CAISL
CAISL is a student-centered educational community in which we challenge ourselves and each other to do our best and to make positive contributions to our diverse and ever-changing world.
CAISL is a student-centered educational community in which we challenge ourselves and each other to do our best and to make positive contributions to our diverse and ever-changing world.
Accredited
American Curriculum
American Curriculum
700 students (3 - 18 year olds)
700 students (3 - 18 year olds)
50+ Student Nationalities
50+ Student Nationalities
American High School Diploma + International Baccalaureate Diploma Not-for-Profit
American High School Diploma + International Baccalaureate Diploma Not-for-Profit
Over 60 years of success
Over 60 years of success
Accredited by MSA
Accredited by MSA
Authorized IB World School
Only school in Portugal assisted by the Office of Overseas Schools of the United States Department of State Permanent License from the Portuguese Ministry of Education
Authorized IB World School Only school in Portugal assisted by the Office of Overseas Schools of the United States Department of State Permanent License from the Portuguese Ministry of Education
Rua António dos Reis 95, Linhó, 2710-301 Sintra (25min. from Lisbon’s city center) Portugal 351-219-239-800 info@caislisbon.org www.caislisbon.org
Rua António dos Reis 95, Linhó, 2710-301 Sintra (25min. from Lisbon’s city center) Portugal 351-219-239-800 info@caislisbon.org www.caislisbon.org
Rua António dos Reis 95, Linhó, 2710-301 Sintra (25min. from Lisbon’s city center) Portugal 351-219-239-800 info@caislisbon.org www.caislisbon.org
WHEREVER’s all about Family this winter. It seemed to make sense and be a good match for Christmas! But rest assured, there are plans for another foodie issue soon.
When we move to a new home, moving with our families, we all share the same concerns, especially when kids are involved. Will they adapt? What about schools? Is it smart to go the international route, or the local route to better integrate? We speak to some global experts to help with all those quandaries and talk to those who see the future of education in a different light from, Lisbon to Bali.
We have Christmas inspiration for gifts and tips for your interiors from the likes of Kelly Hoppen and Matteo Alessi. And, since it’s the end of the year, you’ll also find Financial Pages.
Our yachting expert, Julia Zaltzman, looks at where to go in 2023, while our very own Car Geek checks out Family SUVs. We’re delighted to welcome new columnist Kam Heskin who shares her expat life in the Algarve, fresh off the boat from LA.
Find Us. Follow Us. Don’t miss out! wherevermags.com @wherevermags @wherevermags
Want to be featured in our pages?
Contact us, we’re always looking for good stories!
Editorial & Content E rowena@wherevermags.com T +351 910 200 272
Advertising, Distribution Business Development
A huge THANK YOU to all our supporters and advertisers including Martinhal, W, Quinta do Lago, IHG, Maria Raposo, Aderita Gallery, CAISL, and many more... We look forward to our continuing partnerships in 2023 and to bringing WHEREVER to another corner of the world soon. Watch this space.
And, Merry Christmas and Happy New Year!
PS: Keep the feedback coming @wherevermags Rowena Carr-Allinson
CEO + Editor in Chief
WHEREVER Magazines
In Lisbon E Di@wherevermags.com T +351 910 200 272
In Algarve E laura@wherevermags.com T +351 912 769 614
Design & Production
Richard Grace E hello@wherevermags.com
A warm welcome to the new team members, Di, our new Commercial Director, and Sophie and Michele our lovely Marketing execs.
With special thanks to family and friends, without whom this project would not have been possible, especially Mike Evans.
Copyright 2022. All rights reserved. Reproduction of any written material or illustration in any form for any purpose other than short extracts for agreed review purposes is strictly forbidden. WHEREVER does not accept liability for loss or damage to any materials submitted for publication. Or claims made by advertisers. The views expressed by interviewees or contributors do not necessarily reflect those of the Editor or WHEREVER Mags. WHEREVER is published quarterly by GreyMatter Lda. 30,000 copies across Lisbon and the Algarve. Distribution in collaboration with CTT, by hand and with handpicked outlets. DL No: 485025/21. Printed by Walstead, Ronda de Valdecarrizo, 13, 28760 Tres Cantos, Madrid, ES C.I.F. A28352656.
There’s inspiration on which Insta mums to follow for a bit of light relief, and good advice from Baby Spice on how to manage family screen time.
Over the past 50 years, Quinta do Lago has established itself as the world leader in luxurious living and as one of the most sought-after locations for exclusive prime real estate. In its semi-centennial year, there is no better time than now to invest in this world-class destination, boasting over 300 days of sunshine each year and situated only 15 minutes from Faro’s International Airport.
Quinta do Lago Real Estate provides unsurpassed expertise and services to our esteemed clients and has now available a unique collection of luxury residences at the resort. Located within a gated community offering superior privacy and exclusivity, these 89 contemporary residences truly stand out among surrounding resorts for their striking design and sheer grandeur.
If you are looking for exclusive and unique villas and apartments, we now have available the perfect home for discerning buyers seeking a truly life-changing investment in a timeless destination.
Ruth Van Reken is the co-author of Third Culture Kids: Growing Up Among Worlds and author of Letters Never Sent, her personal journaling seeking to understand the long-term impact of her crosscultural childhood. She is an expert on expat childhoods, and a second generation ‘Third Culture Kid’ (TCK) herself, as well as a mother of three grown up TCKs.
@rdvanreken
Emma Bunton probably does not need an introduction! Part of the iconic 1990s band, the Spice Girls, as Baby Spice she was part of the best-selling female group of all time with 100 million records sold worldwide. Today she is a radio host, singer, songwriter and mum of two. Her most recent adventure is a book: ’Mama You Got This: A Little Helping Hand For New Parents’.
@emmaleebunton
Kam Heskin is a former actress and writer, who moved to Portugal from Los Angeles. She has appeared in several movies, and TV shows, including Catch me if you Can, Pride and Prejudice, the ‘Me’ in The Prince and Me series, CSI NY, along with the soap-operas Sunset Beach and Passions. As a writer, she had her own satirical column in LA’s Genlux Magazine.
@kamekam
of FRANK (Denison Yachting’s publication) and editor-in-chief of TIDE, so definitely the right person to run WHEREVER’s yachting pages.
@superyachts
Adrian Mackinder is a writer and performer. He has twenty years’ experience scribbling for just about everyone from The Guardian to the BBC and The Beano!
A professional improviser, actor and comedian, he was also Head Writer at Comedy Central UK, before moving to Copenhagen with his family.
@adrian_mackinder
Fashion planner Taryn King, turned freelance writer for various lifestyle and travel brands. Wife and mom of three from
Taryn is passionate about books, travel, good coffee and sharing stories about family life as a foreigner in a new country.
@tarynleeking
A partner at Blevins Franks, Sharon Farrell has 29 years’ worth of experience in wealth management and family legacy planning. A member of the Chartered Insurance Institute (CII) and the Personal Finance Society (PFS), Sharon holds the diploma in financial planning and advanced qualifications in pensions, taxation, and trusts, specialising in long-term care planning. Read her article about inheritance for the Financial Pages.
Mark Quinn specialises in crossborder issues for expats including Non-Habitual Residence, pensions and QROPS, investments and estate and trust planning. He has broad experience in advising individuals, companies, and trusts regarding their financial and tax issues. Mark is a dual-qualified Tax Adviser with the Association of Tax Technicians (UK) and a Chartered Financial Planner with the Chartered Institute of Insurance, UK. He is the perfect contributor to our Financial Pages in this issue.
John Westood, the Founder and Group Chairman of Blacktower Financial Management, has more than 35 years’ experience in the financial services industry and has been advising clients in Portugal’s, Algarve region since 1999. A highly experienced Wealth Manager with a substantial degree of knowledge of both the UK and International financial services and taxation matters. He continues to provide advice to many high-net-worth clients Globally.
South Africa living a European adventure as an expat in Lisbon.
Julia Zaltzman is a a freelance writer with 20+ years’ experience. She specialises in luxury lifestyle with a focus on superyachts, travel, property and design. The lead marine contributor to Robb Report US, editor
10.
A selection of dreamy spots to whisk the family away to in 2023.
16.
WHEREVER talks to social media star Daisy Upton about parenting, and all that jazz.
A chat with United Lisbon school founder about future proofing education.
A very different school in Bali is hoping to change how we think about education.
WHEREVER catches up with the South African expat entrepreneur extraordinaire about his latest venture, the Brave Generation Academy hubs popping up in Portugal, the USA and South Africa.
28. Digital Detox for the Family Emma Bunton, aka Baby Spice shares her tips on how to manage that screentime.
29. Moving Families
WHEREVER’ columnists Maayan and Gal explore the effects of “expating” with kids in tow.
31. Relocating and Educating
WHEREVER delves into the real issues when moving with expert Ruth Van Reken, author of Third Culture Kids.
34. Choosing a School
The experts give their tips on what to look out for.
36. #Parenting
Much needed light relief and insight from social media mums with a sense of humour.
38. The Christmas Gift Guide 47 ideas for the whole family.
44. A very English Abbaye
WHEREVER takes a trip to Burgundy to meet the British family who set up an award winning hotel in an ancient monastery.
46. Quinta da Marinha - New Gen
Talking to Miguel Champalimaud about his approach to one of Portugal’s most famous family businesses.
48. From London to Sri Lanka
Changing lives, Dee Gibson decided to switch her life from London to Sri Lanka to open Kalukanda, a boutique hotel. She shares her adventure.
51. X-Pat Expert - Kam Heskin
Fresh from Los Angeles, the one time actress is WHEREVER’s latest columnist. Follow her new life!
52. X-Pat Expert - Adrian Mackinder Our favourite expat Dad tells us about his son’s first forays into school life.
Set just outside the seaside resort of Tetouan, this sprawling resort is in a prime spot right on the sandy shores of the Mediterranean. It comes with all the amenities you’d expect including an eternity pool, a kids’ club where they put on face painting, movie nights and beach sessions, and a sleek spa with eight treatment rooms, a hydro vitality pool and a yoga room. There are several restaurants to pick from, whether you want to go local Moroccan, Thai or snack on bar food. The room service menu is also good, with amazing giant pizzas! Highlights include the Azure restaurant on the beach for the big blue views, the excellent buffet breakfast, feeding the ducks on the lake, looking for kittens in the gardens, basketball on the tennis courts and the freedom of riding bikes throughout the resort. Hole up in a pool villa, the ideal escape for the whole family! They are both spacious and ultracomfortable with extra beds for the kids, giant family-size bathtubs and plush exotic design throughout. banyantree.com
Another collection of dreamy escapes where design and style are paramount.
Sani Resort is a world-class luxury holiday destination, featuring five award-winning hotelsSani Beach, Sani Club, Porto Sani, Sani Asterias and Sani Dunes. Located on the Kassandra peninsula in Halkidiki, 80 km (50 miles) southeast of Thessaloniki international airport, Sani is nestled in a peaceful 1000-acre reserve, surrounded by pine forests and beautiful beaches.
For nearly 50 years it has set the benchmark for luxury hospitality in Europe, with world-leading facilities including a private marina, the Rafa Nadal Tennis Centre, the Chelsea FC Foundation and the Bear Grylls Survival Academy. Sani also hosts two globally-renowned cultural events, Sani Festival and Sani Gourmet. sani-resort.com
© Dryhill 2022.
Set high on the Cotswold escarpment with amazing views across to the Malvern Hills, Dryhill Vineyard Estate is a luxurious four-hundred-year-old, five-bedroom former farmhouse with its adjacent four-bedroom contemporary lodge. The estate is well equipped to entertain up to 22 guests with barbecues, fire pits, Valoriani wood fired pizza ovens, two hot tubs, a tree house and a new swimming pool. Dryhill has ‘Out of Africa’ views and provides epic sunsets. Built on the site of an ancient Roman villa and vineyard and replanted in 2017 with 2000 vines, the estate also has the most romantic gated wooded glade with a small spring-fed pond, a little oasis equipped with barbecue and a safari tent; it is ideal for sundowners and intimate barbecues with the extended family. luxurycotswoldrentals.co.uk
This 200-year-old family-run estate offers a Farmland Families break for guests of all ages to embrace the magic of the great outdoors and celebrate the Alentejo’s agricultural heritage. Encouraging children to learn about the origins of their food and connect with the land, there’s a dedicated children’s vegetable patch, and a children’s gardening class. Budding naturalists can join resident ornithologist Nuno Guégués for a family-friendly birdwatching session, where they’ll learn to build two types of nests and spot different species. Or, join Nuno for a gentle ethnobotanical hike to learn about local medicinal, aromatic and edible plants. Another option? Explore the estate on horseback, with lead-rein, ‘how-to-groom’ lessons and feeding sessions available for younger children. Families wanting to learn more about local traditions can join a local master potter for a pottery masterclass, learning how to work with clay and decorate in the traditional Alentejo style; and as night falls, families are joined by astronomers from the Dark Sky Observatory for a private stargazing session. barrocal.pt
© Landings Resort and Spa.
Located in the heart of Lisbon’s old town, Martinhal Lisbon Chiado offers luxury serviced apartments with family-friendly facilities, a kids club - featuring extended hours for a Pyjama Club – and the new Bar 1855 Gin Garden for breakfast, light meals and very special cocktails in the evening. The bar celebrates a building from 1855 that has been refurnished offering modern living spaces without compromising the C19th architecture, with large wooden windows and narrow balconies with stunning views to the city. The 37 carefully designed apartments range from studio to two-bedroom apartments and are complete with fully equipped kitchens. This is the perfect hub for a luxury city stay with the family, friends or as a couple. Also, great for work trips and digital nomads in Lisbon’s trendy Chiado district.
martinhal.com
Enjoy a fun-filled week for all the family at Four Seasons Fairways - a discreet and elegant private villa resort which can be found nestled within the privacy and security of the Ria Formosa nature reserve in Quinta do Lago. If you find it hard to choose between hotel or villa, Four Seasons Fairways provides the best of both worlds with private villa-style accommodation but with all the extras you’d expect from a hotel or resort at their Clubhouse including kids club, restaurants, and indoor and outdoor pools. The 132 traditional-style villas and apartments are all set in verdant landscaped gardens, all of which have recently been renovated, with each featuring its own pool or jacuzzi, terrace or garden area and outdoor BBQ/cooking station. They cleverly blend authentic Portuguese style with modern and vibrant interior décor and furnishings along with new, ultra -modern kitchens.
fourseasonsfairways.com
For a luxurious St Lucian break with all the fun you’d expect from a Caribbean getaway, The Landings Resort and Spa offers the very best of family living. From movie nights on the beach, to the Kid’s Club and free non-motorised watersports included as standard, there’s so much here to keep all ages entertained. Set on a sprawling estate close to popular Rodney Bay, it comes complete with its own marina, indulgent spa and stretch of white sand beach. The resort’s all-villa accommodation is ideal for families, with one, two and three bedroom villas available, each one boasting a beautiful vista across the marina, ocean or beachfront. The bonus of full kitchen facilities, a lounge area and expansive terraces ensures space for everyone.
landingsstlucia.com
Just an hour’s drive from Naples, this 183-year-old hotel sits on the clifftops of the Amalfi coastline and was built on the ancient foundations of a villa designed for Emperor Augustus. Popular amongst the stars, the hotel has a Michelin-starred restaurant with breath-taking views over the Bay of Naples and Vesuvius, a gorgeous boutique spa and fascinating history. Swim in the Mediterranean sunshine; sail around Le Galli islands where the sirens tempted Ulysses;
lunch at Mariagrazia, a secret Italian hideout at Marina del Cantone; stop off to bathe in the thermal springs of Ischia, the island of artists. Sorrento is one of Italy’s most famous resort towns, the centre of the city is Piazza Tasso, which is full of energy and people at all hours. Corso Italia is lined with cafes, restaurants and shops but the entire historic centre has life, sights and eateries tucked away in the side streets. exvitt.it
Avoriaz is in the French Alps and is a family ski station par excellence. It offers convenient access to the 600 km (373 miles) of piste which makes up the Portes du Soleil ski area. The pistes span 12 resorts across France and Switzerland. Europe’s highest waterpark, Aquariaz, is an exciting alternative to the slopes with its water playhouse, ‘Slidewinder’ and open-air heated spa. There’s also ice skating, bowling and horse-drawn sleigh rides among many other activities for the family. Chalet Kipnuk is super convenient for the lifts, just 50 m (55 yards) from the piste in the heart of the resort and VIP Ski look after all the logistics and meals! The chalet spans three levels with huge windows and balconies and mountain panoramas from every room. The open plan living and dining area, complete with log fire and squashy sofas provides the perfect space to relax after a day on the mountain. The chalet comes complete with flat-screen TVs in every bedroom, open fire, music system, boot warmers and balconies. VIP SKI nannies are also available. vip-chalets.com
Your own villa at the Four Seasons in the South of France? With the opening of Villa Beauchamp and Villa Clair-Soleil, two revamped historic villas, it’s the perfect escape for families and friends wanting to enjoy a luxurious stay in total privacy, while benefiting from legendary Four Seasons service. The hotel has appointed acclaimed Parisian designer Sybille de Margerie to create bespoke interiors. Offering butler service and their own private access, the Villas feature pairedback palettes and soft touches, with rich decorative accents and unexpected details coupled with a touch of chic seafaring charm. Pathways connect the hotel’s three villas, with secured gates ensuring privacy is always maintained, making the villas the perfect solution for larger groups wishing to rent all three villas. Villa guests enjoy direct access to the hotel and can make use of all the facilities throughout their stay, with complimentary golf carts available to reach the hotel. fourseasons.com
A 21-bedroom luxurious castle hotel tucked away on the breath-taking Ayrshire coast, it’s renowned for offering an abundance of indoor and outdoor activities including: axe throwing, canoeing, coasteering, kayaking, yoga, forest bathing and a digital detox day; there is something for the whole family! In May 2021, Glenapp Castle launched its brand-new castle penthouse apartment. Through the conversion of the hotel’s entire top floor, The Endeavour provides more than 4,500 sq ft (418 sq m) of luxurious accommodation, making it arguably the most beautiful penthouse apartment in the whole of Scotland! In addition to the four bedrooms, five bathrooms, media room, library and games room, sauna, beauty and treatment room, The Endeavour has its own kitchen and private dining room and can be offered on an exclusive and private basis with a full butler service and private chef. The perfect luxury space for the whole family to come together. glenappcastle.com
Located in the UNESCO World Heritage city of Évora, the hotel sits on 11 ha (27 acres) of pristine Portuguese landscape and immaculately blends modern living with country life. It offers a family adventure far from the ordinary, with stargazing, hot air balloon rides, nature walks, bike tours and horse rides, as well as breakfast on the hotel’s meadows at dawn and learning more about farm life!
The hotel has 56 rooms, including three family rooms with bunk beds and private outdoor areas housing swimming pools and gardens, and five larger, exclusive-use villas. With a dedicated kids’ area and children’s check-in facility, family holidays are right at home. Facilities include an outdoor area that comprises five pools - two for families and three for adults only. There’s a gym, a spa with an indoor pool, sauna, two treatment rooms and a Turkish bath, the À TERRA restaurant and meeting rooms in addition to an educational farm, vegetable garden, olive grove and orchard. evora.octanthotels.com
Skiathos Princess is a carefree, family friendly, island escape with a beautifully relaxing atmosphere and bohemian chic vibe. This five-star resort has well-appointed guest rooms for families, many with interconnecting options, each with a balcony or veranda, offering a private haven to enjoy the wonderful views of the gardens or the bay of Aghia Paraskevi. Little ones will love the kids’ pool, kids’ clubs, indoor playroom
and outdoor adventure garden, and guests can wander out directly onto one of Skiathos’ premier sandy white beaches with the island’s warm, crystal-clear waters proving hugely enticing. The resort is also home to several restaurants with live cooking stations, delectable Mediterranean cuisine and seafood specialties served right on the beach. santikoscollection.com/princess/
WHEREVER catches up with Daisy Upton aka @Fiveminutemum. With 254k followers on instagram, she’s turned making easy, fun games and activities for busy people to do with little kids into a business.
Once upon a time, Daisy Upton was a teaching assistant working in schools, where she drank hot cups of tea. But when she had her own children, she found she never quite managed to drink a brew while it was still remotely warm. So, she started putting her TA skills to good use and coming up with fiveminute games, not only to support her children’s learning, but also to buy her time for that cuppa. She shared those games online and it turned out quite a few other people wanted to join in too. Daisy now has a large social media following, a website and four books, including a bestseller. Daisy likes to celebrate this fact by eating copious
quantities of chocolate oranges and creme eggs - season dependent - and dancing in the kitchen.
How did the social media mum career come about?
When my children were three and one, I was a stay-at-home parent and I started playing games with the kids to keep us all busy and entertained, whilst also stealthily including things I knew would help with their development. My friends asked me what I was doing, as they knew I had teaching experience, so I thought I would start a little blog to share with them. My husband came up with the name Five Minute Mum when we were on a rare night away without the kidsjust shows what your brain can come up with when you’ve had a full night’s sleep! Once I had the name, I decided to share the blog on social media, and it just went from there. It’s now been four-and-a-half years and still going strong. I feel incredibly lucky that I just happened to hit upon it at the right moment.
Tell us more about your books?
I have three books out in the world. They feel like my other children, as I take so much time and care to create them all! The first is called Give Me Five and it is for roughly ages 1-5 preschoolers. It’s all the games and activities I did when they were both at home with me to keep them busy and give me some peace! The second book is called Time for School and it is a breakdown of why children are taught what they are at school, how this is taught and quick and easy ways we can support this at home with five-minute games and fun - so ideally for children aged four and above. The third book is called On The Go and it’s basically for all ages. It’s travel entertainment ideas and hacks, it’s quick ideas for ways to keep the kids from moaning that they are bored when you’re out and about, and it also includes a chapter on games for friends and families to play together: perfect for Christmas!
Are you a pro at multitasking? Or is that a motherhood myth?
I think I am pretty good at multitasking; I always have several things on the go at once, but I don’t think it’s down to motherhood. I think busy people just find ways to get stuff done! I live by my five-minute rule. I try to do things little and often. It’s always much easier if you can break a task down into small bits -
and it’s the same with anything. If we are learning something new, just start tiny. Teach your kid the first letter of their name in lots of fun ways. Build it up slowly five minutes at a time. It’s the same for me. I won’t write a book all in one go, I’ll write a few pages a day. There’s always the washing machine beeping or the doorbell ringing or a kid asking for a snack. I never get more than five minutes for anything anyway!
Can you pinpoint key turning points in your life?
Yes, when I decided to leave my career in sports broadcasting. I had a really good job, which I had built up to over a few years, but I knew it wasn’t what I had hoped it would be and it wasn’t fulfilling. I quit one day and decided I would like a career in teaching, so I started back at the beginning - volunteering in schools, going to college in the evening, working as a midday assistant and at after school clubs while I studied. But I loved it. I went home happy and satisfied and that is worth a lot.
When I started Five Minute Mum, I called on so many of the skills I learned from those days. How to start at the beginning and take my time, how to work with others and use their skills and knowledge collaboratively. It all felt like those other careers had led to this.
Any words of wisdom? Or lessons learned you can share? Life motto? It will often go wrong. Nothing will ever look exactly how you think it will. But if you can learn to adapt and just give it a go, then it will always feel worth it in the end.
What are the plans for 2023? Making reels! Ha! Social media takes a lot more time and effort than it used to, so I am figuring out how to make videos that will reach the people that want to see it. I hope to help parents or carers who are at home with kids, don’t want to create a big mess or spend money, but want to play quick, easy games that are good for child development or education without them even realising. If I can keep doing this, then I’ll be happy. And I’ve been writing again so watch this space…
“
I live by my five-minute rule. I try to do things little and often.”
Of Singaporean origin, via London, Chitra Stern is making her mark on Lisbon, from hospitality to property and education.
hitra Stern is the recipient of the prestigious Deloitte Institute Entrepreneur of the Year Award at the London Business School in 2014.
Chitra is of Singaporean Indian origin, an Electronic Engineer, Chartered Accountant and MBA (London Business School). Between 2017 and 2019, Chitra was on the Committee of Portugal IN, a special task force created by the Portuguese Prime Minister’s office to further enhance Foreign Direct Investment into Portugal (portugalin. gov.pt). She is also an invited professor for Luxury Marketing at the Nova School of Business and Economics, is on the board for Internationalisation and Innovation at Catolica School of Business and Economics and is the current President of the Entrepreneurs Organization (eonetwork. org) in Portugal. She is also on the Advisory Board of the Portuguese Association of Tertiary Education Institutes.
Owner and founding board member of Martinhal Family Hotels & Resorts (martinhal.com), Chitra is a passionate entrepreneur and realestate developer, working alongside her businesspartner and husband, Roman, on their projects in Portugal. The Martinhal group has a luxury collection of four resorts and hotels in Portugal. The fifth Martinhal is in construction and will open later this year.
Martinhal Residences is a 5-star branded hotel residences project and apartments with serviced living (. martinhalresidences.com) in Parque das Nações in Lisbon. Chitra and Roman have had four children during the process of building up their businesses.
Their latest project, the United Lisbon Education Hub (.eduhublisbon.com) is a large rehabilitation project and is being developed as an innovative ecosystem for education. The first piece of the project, a world-class international school – the United Lisbon International School - opened in September 2020 and already has a student
population of over 500 children across 30-plus nationalities (unitedlisbon.school) The school won the prestigious ‘Lisbon Prize’ at the World Architecture Festival recently for its features of repurposing defunct industrial buildings for the higher purpose of education. The rest of the hub with office spaces, further education spaces and accommodation is being built out in the next two years.
What first brought you to Lisbon? We moved to Portugal in 2007 – first to the Algarve, where we lived for 15 years. The people, opportunities, weather and connectivity are all brilliant in Portugal. Lisbon was the natural progression for us to expand the Martinhal brand after having opened two resorts in the south successfully. Lisbon is the capital city and is unparalleled in being an authentic yet modern European capital. It’s surrounded by a river and the Atlantic Ocean and is wellconnected to the rest of Europe, the Americas, as well as the Middle East and Africa. In 2016, we opened two hotels in the Lisbon area – one in Quinta da Marinha, Cascais and the other in Chiado, old town Lisbon. In 2017, we started to diversify our real estate business interests into commercial and education as well.
Was it a childhood dream to become a successful entrepreneur with multiple businesses under your hat? Not really! I was meant to become a doctor! And then I chose to pursue engineering for my undergraduate degree. Chose to enter Finance and Business by becoming a Chartered Accountant with Price Waterhouse and after six years with PW, I left to pursue a full-time MBA at the London Business School. It was really when I was 28 that I started thinking about becoming an entrepreneur with my husband, whom I had met at the same time.
“WE ARE PASSIONATE ABOUT EDUCATION BEING THE DRIVER FOR GOOD IN THE WORLD.”
“THE XPAT FILES / New Gen
UNITED LISBON INTERNATIONAL SCHOOL,
How did the Martinhal concept come along?
The Martinhal concept was born when we had to figure out what unique positioning we could adopt for our first resort in Sagres. It was exactly then that we had our first child, and we realised the trials and tribulations of travelling with children! It suddenly became difficult to have luxury for parents while travelling with children. We looked at various existing family concepts and realised that there was a niche in the market to satisfy families at the luxury end of the market. This is how the concept was born.
Are you a pro at multitasking?
Whether I’m a pro or not, I do multitask! I think this is what every entrepreneur has to do.
How does the real estate development business fit in?
All our businesses have had a real estate connection from the start. We started developing the real estate in Sagres before developing a hotel brand. Every new Martinhal has a real-estate angle behind it. What we have done is diversified into other kinds of real estate, as well as businesses.
A STUDENT
And was the school a natural progression? It was not natural per se. It was a passion to create positive impact for foreign direct investment in Lisbon that drove that decision. Without enough international schools, we saw back in 2017 that expat families who had to move here for work or investment couldn’t do it. Companies thinking of relocating to Lisbon could not be attractive without international schools for their employee’s children. Understanding children and families from all over the world with our experience in Martinhal obviously helped us to enter the educational world.
How does being a mum of four work alongside running the various businesses? It is challenging and obviously you’re ridden with guilt on every side! However, children learn so much from entrepreneurial parents – life lessons and how much hard work must go into these ventures. As a mother, I feel much more balanced having to focus on both work and the family.
Can you pinpoint key turning points in your life?
There are probably several. One of the key turning points was my decision to leave Singapore to come to Europe to study – I came to London. This obviously changed my life in ways I couldn’t imagine. The next one was certainly meeting my husband and business partner, Roman. We have complementary skill sets and we are great as co-founders.
Any lessons learned?
Therearevariouslessonslearntinour20-plus yearsofentrepreneuriallife!Toomanyto coverhere.Topfiveasanentrepreneur:
1. Grit is far more important for the execution of an idea than a good business idea.
2. Focus on building great teams.
3. You need to always combine persistence with rational analysis.
4. Stay positive and optimistic and think about how you’re going to steer the ship in good weather and bad.
Are you expat or local?
I am truly both! I am a proud resident of Portugal and an expat with various cultures in me (Singaporean, Indian, British and Swiss).
Follow Chitra @chitrastern
For more about The United Lisbon School at unitedlisbon.school
im Vieira moved to Angola with his wife in 2001, and initially focused on Media opportunities. In conjunction with his partners Nuno Traguedo and Odair Peres, Tim Vieira founded Special Edition Holding, one of the largest Media groups in Angola. He also has interests in companies that operate in Mozambique and Ghana.
Tim became known to the Portuguese public in 2015, after the first season of Shark Tank Portugal. Today he invests in other areas such as agriculture, services, IT, human resources, cinema film production, real estate development, energy distribution, tourism, education solutions and, currently, the establishment of an investment fund for opportunities in Portugal. He is also the president of the Portuguese-South African Industry and Commerce Chamber and the founder and president of Be Brave, an Entrepreneurship booster association, and Founder of Escolhe Portugal.
What first brought you to Lisbon?
From an early age I had always come to Portugal every year on a family holiday. We had wonderful summers split between Lisbon and the Algarve at family homes. Once we had our own family, we started to look for a place to live that offered safety coupled with an amazing lifestyle. Portugal was our first choice as it met these criteria and much more.
Was it a childhood dream to become a successful entrepreneur with multiple businesses ‘under your hat’?
Yes, I knew early on that becoming an entrepreneur would allow me to write my own path and give me independence which really means freedom to do things I enjoy with people I like.
I am definitely a man with some failures but at the same time these have never stopped
Born in South Africa, Tim Vieira dropped out of a business course to start his first company in 1993. Having established one of the first independent micro-breweries in South Africa, he founded the Brave Generation Academy (BGA) in 2020, providing an online curriculum that is recognised by the world’s top universities.
me from trying repeatedly while on the way to obtaining success.
How did the BGA concept come along?
I had been trying to rethink the traditional educational system for a while. After an amazing around the world adventure with my family I became more determined than ever to make it happen. I started to think about a new system using common sense mixed with the best of online. This became the basis which would allow young adults to obtain more opportunities and be better prepared for today’s world. At BGA they work at their own pace, allowing them to still follow their passions.
Is launching an educational programme different from your other business?
Yes, I feel a lot more responsibility which drives me day and night to create a positive impact with BGA. I feel that what we are doing is critical for a better world and therefore it’s our mission not to fail. I’m committed to making
Tell us more about each of your businesses?
BGA is now my full-time mission. It’s what makes me wake up early and go to sleep late. I have stepped back in my property development, hotels and start-up investment ventures and allowed others to take the lead and shout for help when I am needed.
I believe that all the experiences I’ve gained, all the failures and all of my successes to date are contributing to the Brave Generation Academy. I feel that I was born to do this as I am impacting young people, families and communities first hand and that was always my purpose.
Any words of wisdom?
Do what you love with people you enjoy as it will make you achieve so much more.
How is life in Lisbon now?
There is more talent, more interesting people and all this brings with it more opportunities for us to do amazing things.
sure we don’t drop our learners and their brave parents who have entrusted their most valuable assets to BGA. It’s our responsibility to always keep putting our learners first in order to provide them with opportunities so that they can change the world using their own determination, courage and talents.
How does being a hands-on dad work alongside running the various businesses?
I don’t distinguish between work and family time as I only have one life.
I am a dad 100% of the time wherever I may be or whatever I may be doing. I am blessed that my two sons and my daughter are themselves enthusiastic about BGA. More importantly all three of them have their own passions outside BGA which they share and want me to be part of as well.
It’s a full-time privilege being a dad and I make sure to include them in my own life which makes them include me in theirs. I am also blessed to have the’ glue’ in my wife Lidia who seems to hold this madness all together so naturally.
It’s exciting to live in a place that most people want to visit or come to live. Let’s enjoy it.
Are you expat or local?
I would say that I am a mix, I am different from either and that’s definitely ok with me.
Follow Tim @timvieira75
For more about BGA’s hybrid hubs around the world bravegenerationacademy.com
“BEING AN ENTREPRENEUR ISN’T ALWAYS EASY AND I HAVE HAD MY SHARE OF HARD KNOCKS. THE TRUTH IS THAT I WOULD DO IT ALL OVER AGAIN AS IT PUT ME IN A POSITION TO FULFIL MY DREAMS.”
Truth
ohn and Cynthia wanted education to offer possibilities for students that were relevant to the future. At the time, they had two school-age kids and were looking at homeschooling as being preferable to sending them to a traditional school.
WHEREVER catches up with Sal Gordon, the head of this very different school.
What first brought you to Bali?
I was in Australia trying to create innovation and transformation from within the traditional, public school system, where I was
designing units around sustainable education. Despite working within that system, I didn’t feel like a traditional school was something I wanted my own kids to be a part of. I found Green School Bali – a place that was so outside the traditional paradigm and innovating to the point of helping create a new paradigm that prepares kids for the C21st. As a parent, I was more than happy to bring my kids to the school. That was almost a decade ago now.
Was it a childhood dream to run a school? I love my job. I love this school. But I wouldn’t say it’s a childhood dream. I wanted to be an
The Green School was established by John and Cynthia Hardy in 2008.
As the legend goes, John had gone to see Al Gore’s An Inconvenient
and it moved him deeply. He wanted to act in a way that would have a real, positive impact on the world for his kids and all future generations, and he saw education as the way to do that.
astronaut! But I try to infuse my own childhood dreams and longings for play and creativity into this school.
It sounds like paradise. We agree that the current educational system is clearly outdated. How hard / easy was it to create something out of the usual boundaries? I think one thing we realised quickly is that this idea would not succeed if we didn’t bring the entire community along for the journey - that means not just students and teachers but also parents, staff, local government, neighbouring villagers, environmental organisations on the island, and so on. Cultivating a keen sense of community has since become foundational to what we do at Green School.
Initially, we had the choice of boarding at Green School but eventually we realised how essential it was for parents to be part of the learning journey alongside their children. The more we’ve come together as a community in this education revolution, the more we
enrich, nourish and motivate each other. If our campus is the beating heart of Green School, our community is the lifeblood.
What really motivated you to push the boundaries of traditional education and set up the Green School? I’ve always been someone who thinks outside of the boundaries, so I guess I didn’t need much motivation there. What I’ve known since joining Green School is that what we create here will inspire a new kind of future - one that is balanced and able to support all life. To achieve that balance, we need to first create a more balanced definition of success. Right now, it’s all about achievement and profit and progress. At Green School, we look at how our students are progressing holistically, including knowledge and skills acquisition, yes, but also looking at how they are internalising and demonstrating our iRespect values - integrity, responsibility, equality, sustainability, peace, empathy, community and trust.
The way we’ve co-evolved with our community is also something that, in my opinion, the world needs more examples of. Schools shouldn’t exist in silos but be cultural hubs for their communities. This is how we make the world a better place. This is one of the many things that makes Green School so unique. It says it in our mission - we have a community of learners - and we stick to that. Rather than being a place where parents leave their children at the curb, we have a living community of learners - meaning both students, parents, and everyone else involved - who have a lot of interaction with each other so we’re all furthering each other’s learning. In fact, Green School has about 10% of its students from the local community, kids from the local villages. We have the largest local scholarship programme of any international school in Indonesia, and we’re immensely proud of that. We also have a programme after school for local kids to come and learn English and computer skills, which has been hugely powerful for them.
“OUR MISSION THEN, AND STILL TODAY, IS TO CREATE A COMMUNITY OF LEARNERS THAT WILL MAKE OUR WORLD SUSTAINABLE.”
Our primary motivation is to create a new model of education, with sustainability at its core - for schools to be places of fun, meaningful life-long learning, and positive impact.
Would you describe yourselves as Educational Pioneers?
We are pioneers in the sense that we want to evolve what the purpose of a school is. We have not re-considered the purpose for school since the traditional school system was set up more than a century ago during the industrial revolution. It has not adapted fast enough to our fast-changing world. Today, we are facing increasingly complex
grow up quickly. I learned how to take responsibility for my own life and learning. After my first university degree, I took a gap year, which ended up lasting a decade. That was a turning point.
When I started my career as an educator –slightly disillusioned with a system that hadn’t changed since I was a student - I made a conscious decision to be a part of the solution. I wanted education to be different, so I decided to do something about it. And that’s why I’m here at Green School Bali.
Any words of wisdom? Or lessons learned? Find a mantra, something that helps define your purpose. For a long time, mine was ‘learn more’. All I wanted to do was LEARN… languages, cultures, skills, music, art, science. I bring that mantra to what I do now, where I help support our faculty to nurture our students to be lifelong learners.
How is life in Bali now?
It has changed a lot in the last few years.
We had some quieter years here during the pandemic, but things are getting back to normal once again. Like other highly trafficked tourist destinations, there is a lot of development happening, especially in the main expat hubs of Ubud and Canggu. I think places like Green School, Desa Potato Head and other eco-minded organisations here are helping to keep that development in check, because you do have a lot of expats who come here seeking peace and sanctuary in nature.
challenges - both social and environmental.
At Green School Bali environmental action is the foundational purpose of our schooleducating FOR sustainability - and our learning programmes are designed with environmental action embedded across the experience. Simply put - we are pioneering education and school to make the world a better place.
Can you pinpoint key turning points in your life?
I moved away from home to go to a private school when I was 13 years old - I had to
How has the expat community changed? Our Green School Bali expat community has always been very mission-aligned. We are community-minded and we all believe we have a role to play in making our world sustainable.
What are the plans for 2023? Any more new ventures?
In 2021 Green School became part of Education in Motion’s global family of school brands. We’re looking ahead to bring our education model and mission to other parts of the world!
“WHAT WE CREATE HERE WILL INSPIRE A NEW KIND OF FUTURE, ONE THAT IS BALANCED AND ABLE TO SUPPORT ALL LIFE.”
ESCAPE
WORLD
In the foothills of the Eastern Algarve, before the mountains meet the ocean, lies Monte Rei, a worldrenowned golf and country club resort offering an unparalleled respite from the hustle and bustle of the modern world.
The resort is unrivaled as a destination for golfing, with its incredible Jack Nicklaus Signature course, and leisure with plenty entertainment available.
With on-site facilities including our Michelin-starred restaurant Vistas Rui Silvestre, tennis courts, heated swimming pools and gyms, it is easy to never leave the resort! However, the Eastern Algarve has so much more to offer...
Outside of the resort, the thriving local area awaits you, with a dedicated
concierge team readily available to assist with arranging days out and recommending activities.
Monte Rei’s Clubhouse Residences apartments and townhouses are available for short and long term rentals offering our guests all the comforts needed to unwind while soaking the Algarvean sun in their generous sized terraces.
Q: What is the name of Monte Rei’s Michelin starred restaurant?
Email your answer to competitions@wherevermags.com Before February 15th 2023
Emma Bunton says families should set their digital ‘house rules’ together in an easy, fun way with a pledge covering everything from rules about devices at the dinner table to how they will use social media, with all family members agreeing to stick to it – parents included! She even helped Vodafone launch a Digital Family Pledge to help bring parents up to speed on key online areas their children are spending time on and brings families together to establish digital ‘house rules’.
YouGov research revealed millions of parents have never been given advice on the topic and over half are unaware of what their child is doing online. Did you know that four in 10 parents say they have never been given advice on their children’s online behaviour? 54% of parents say they aren’t aware of what their children are doing online and 33% of parents said better knowledge would help them have conversations with their children. It’s definitely time to talk about it!
Set ground rules as a family
“My first tip would be to set ground rules as a family. Using the pledge helped us to work as a family to decide what the rules should be together, so we weren’t just dictating them to Beau and Tate. It also encouraged my partner, Jade, and me to think about our own habits.”
“Instead of worrying so much about what our kids are doing online we now try to get involved. It’s impossible to be there all the time, but we might watch YouTube videos together or Jade and Beau will game online.”
“I used to think that it was all about managing the time the kids spent online. But I’ve realised it’s more important to focus on what they’re doing online rather than the exact amount of time spent. If they’re watching and playing the right stuff, it can be really educational and beneficial to their development.”
“It’s not just about the children, I realise that Jade and I are guilty of sneaking a look at our phones at the table or getting distracted by work emails. We’re using the Digital Pledge to set limits for ourselves, too!”
Every parent can agree on one thing – kids today are exposed to too much screen time, simply because the offer there is never ending. Gone are the times when one could switch off the movie because it ended. YouTube and other platforms mean the constant stream of content is available 24/7 making parenting and screen time management even trickier.
Find out more about the Digital Family Pledge at vodafone.co.uk For more information see www.emmabuntonofficial.co.uk
“Being in the spotlight, I’ve had plenty of experience with people being unkind online and I’ve worried about what Beau and Tate see there. My final tip is to remind everyone that they need to think about what they say online. Remember that there’s a person at the other end of the screen who might be upset by unkind comments.”
“The kids are at that age where they want to play with new apps and games and are getting more interested in social media. At the end of the day, it’s about being open and finding the right balance and the Pledge is a great way to help families do this.”
Emma Bunton, one time Baby Spice, solo artist, radio presenter, owner of eco baby brand Kit & Kin and mum of two tells WHEREVER how she manages her screen time.
If the thought of your being a bad parent because you’ve uprooted your kids ever crossed your mind, congratulations, you’re human.
I(Maayan) have spent countless nights wondering, why am I doing this to my kids? They shouldn’t suffer because I want to live my dreams. To be entirely honest, though, I believe it’s the best gift I could have ever given my kids, and I’ll explain why. But first, let me tell you how my sister and I came to this understanding.
Truth be told, when we first moved abroad, we were both very young kids. Nobody questioned whether we approved of the change or whether we wanted it. We had to go-along with our parents’ decision.
Back in the early 1990s, the gap between our home in Israel and our new home in France was enormous.
As children, having suddenly six TV stations instead of one, together with a VCR, was a game-changer.
We were unfamiliar with the scale of stores, the range of tree-green shades, the cultures represented at the neighbourhood school, and more. Although it was initially somewhat shocking, we rapidly adapted to this new reality.
At home, we kept living our ‘normal’ life, speaking our native language, following traditions, playing the same games. But outside, we started taking in the brandnew world. In addition to learning a new language, discovering food, experiencing ‘winter’ and its holidays, we even developed a new fashion style (questionable when looking at our childhood pictures).
Eventually, we adopted what we liked from it. And became international children. Mixing our own culture with the cultures we’ve met over the years.
As kids and teenagers, we saw it as a negative connotation because we were perceived as outsiders, those who didn’t belong, were different, and so on. With time, maturity, and self-development, we realized that it’s actually a beautiful mix.
Dr. Ruth Hill Useem, American sociologist and anthropologist, was the first to give this ‘mix’ a name – Third Culture Kids. Her study over the years revealed that, if handled appropriately, the advantages for kids who are exposed to cultures other than their own are likely to outweigh any drawbacks. Third Culture Kids: The Experience of Growing Up Among Worlds by David C. Pollock, Ruth E. Van Reken and Michael V. Pollock, is one of the books based on this concept. In this
book, they weigh the pros and cons. These particularly resonated with us:
Personality development: Children who move abroad acquire the abilities needed to adjust to new settings and accept new cultures. They learn to overcome future challenges by learning how to accept constant changes.
“It is not the strongest or the most intelligent who will survive but those who can best manage change.” –Charles Darwin
As kids, we were unable to recognise that we’re acquiring valuable life skills. As adults, it appears clear to us that these experiences of life abroad shaped us into adults who can deal with today’s uncertainty better, adapt to changes more easily, and truly appreciate life wherever we are. And we see this way of looking at life as a gift from our parents that we can now pass on to future generations.
Family bonding: Living abroad is ideal for strengthening family bonds because everyone is learning how to manage their lives in a new environment. Initially, kids may not have close friends and will rely more on you and their siblings for support, entertainment, and social interactions; this can have a positive impact on the family bond.
New is good: Despite popular belief, change can be positive and exciting. Children who move abroad can more easily develop positive responses to unexpected life changes. Being able to do so will allow your kid to enjoy life far more!
Despite the common challenges of expat life that I faced, and witnessed my parents face, I decided to relocate to give my daughters new opportunities, teach them to be open minded, to embrace change, and to be welcoming of what the world has to offer. I truly believe that the benefits outweigh the struggles, and that they will eventually mature into better adults. I understand my kids’ challenges, but I have consciously chosen not to make a big deal of it, to help them see the opportunities beyond the obstacle, and, most importantly, to encourage them to be themselves wherever they are.
By setting an example, I enable them to explore new cultures, languages, and lifestyles and adopt only those aspects that are compatible with who they are and who they want to become.
To make a long story short, if you’re a parent who relocated abroad and is concerned about how it will affect your children, the truth is, it’s up to you. Children, like adults, face difficulties and discomfort while living abroad. However, if approached positively, such drawbacks may be surpassed by the incredibly priceless and extraordinary long-term rewards.
So, all you got to do is… Go. See new things. Be curious. Change. Try. Fail. Live.
Follow Maayan and Gal @smoozitive
“These experiences of life abroad shaped us into adults who can deal with today’s uncertainty better, adapt to changes more easily, and truly appreciate life wherever we are.”
WHEREVER asks Ruth E. Van Reken, co-author of Third Culture Kids: Growing Up Among Worlds about the topic on every family’s mind – choosing a school.
Ruth speaks internationally on issues related to global family living. She is co-founder of Families in Global Transition and a second generation Adult ThirdCulture kid (ATCK) not to mention the mother of 3ATCKs!
What would be your advice to parents making a move looking for a school? Do you favour the integration into a local school system or using international schools?
Making the best school choice is dependent on each person’s individual circumstances. I don’t personally believe there is a ‘one size fits all’ answer. I have seen positive results from local or international systems, as well as home schooling. Make the best decision for your particular circumstances by asking the right questions.
What are your long term plans? Is this a short international stint with an expected permanent return home? Are you planning on making ‘serial moves’ to various countries or is this expected to be a long term move?
How does this school system and its curriculum interface with the one in the country from which your children have come and where they may return to? How does it fit into the ‘flow’ of your overall academic plans?
3. University choices
Depending on where your child chooses to go to university – will attending this school make it easier or harder for them?
How does the language of the school mesh/ or differ from the language your child will be using at home each evening? Also, if different from home/ passport culture, how will you keep them fluent in that home language?
5. Academic standards
In some subjects there may be different emphases. Will your child be able to pursue further studies in university or other occupational training?
8. Cost
What is the difference between local and international schools? How does each option fit your budget?
9.
Are there particular needs your child may have physically or academically that need to be in a school’s curriculum or offerings?
6.
Does it primarily teach by rote? By strong interaction with students? What is the take on homework?
7. Transition management
Is there an active transition programme to welcome new students and say farewell to departing students?
Perhaps you are making the move specifically because you want your children to have a true cross-cultural experience in their growing up years. You believe this will best prepare your children to function well in a globalising world. If you expect to live in this new place for just a year or two, you may feel attending a local school is your children’s greatest opportunity to learn a different language or be more fully immersed in another culture. Maybe you may plan to be in this new place for many years and want your children to become more aligned with the host culture, rather than living in the ‘bubble’ of an international school. And for some of you, a local school is by far the best choice for economic reasons - it is generally much cheaper than an international or other private school.
While these are noble goals or reasons and can be part of maximising the gifts of a global childhood, there are also a
“Even when there is not a language issue, often there are cultural differences that can create unexpected challenges for children.”
few cautions. If your child doesn’t know the language, that can cause much emotional distress during the period while they learn it. They will likely become fluent, but meanwhile, work with the school to have translators or tutors available so your child can be successful while they acquire fluency.
Cultural challenges - More to it than language barriers. One of my friends moved to the USA from England and on the first day of school, her son stood up when the teacher walked into the room. All other students remained seated and snickered at this faux pas.
Also, the cultural approach to education may be quite different. Those coming from rote learning systems may feel a bit lost in a system where creative thinking is more encouraged. Or vice versa. Also, the educators and fellow students may not fully understand how it is to be the ‘new kid on the block’ if they have primarily been in this one school or place for a lifetime. It can take time to get used to new ways.
If the methods of teaching and homework requirements differ from previous schools, make sure everyone communicates. But, do not despair! I have seen many families navigate the challenges well to have very positive outcomes using local schools.
Of course, there are pros and cons to international schools as well, including the price. This can be a drain on your budget. Perhaps some of you may not want your children to be in what others may consider to be a ‘privileged’ environment. A few now adults who attended international schools have told me that while educators and administrators in such schools presume to be universally accepting of all cultures, the truth is that often international schools are based in Western thought and culture. For those from other backgrounds, their lives and cultures at home seem invisible to others in their school community. One told me how she developed an internalised racism against herself… that
“Whether you choose a local or international school, don’t forget to consider if there are particular needs a child has, such as physical limitations or learning styles, does this school offer programmes that would meet those needs?”
‘if I only had blue eyes and blond hair, I would be fine’. Her unconscious message was that ‘West is best’ and, as an Asian, her background and home way of life and culture was second class.
On the other hand, for globally mobile families, an international school can be a tremendous asset, in particular if your lifestyle includes frequent moves. Many international schools offer the IB curriculum so that a transfer from one school to another is relatively seamless. A growing number are also offering strong transition programmes to help new students feel welcomed and quickly oriented. Perhaps one of the biggest gifts is that, while there can be students from many cultures and nationalities, they are sharing this experience of growing up cross-culturally in a world where mobility is a constant and there is an intuitive understanding of this way of life that is not present in a local school. For those interested in attending university in almost any country in the world, most international schools prepare them academically well for those transitions.
A word of caution. If your child has grown up in one place and culture and then makes their first international move as a teen, they can be a ‘hidden immigrant’ in this world of international school living where others already understand how life operates in this realm. For the new, more monocultural child, it can take time to get used to this new way of life just as others have this experience when repatriating to a world at ‘home’ they do not know. They generally make this adjustment in time, but it can create some resistance initially when they realise others expect them to know the ‘rules’ of how life operates in this space, but it is foreign to them.
One last word. Whether you choose a local or international school, don’t forget to consider if there are particular needs a child has, such as physical limitations or learning styles, does this school offer programmes that would meet those needs? Some families I
have met choose home schooling for a time. If you are going to be making many moves in a brief period, it might be that home schooling offers your children more continuity to get through such a period when it may not be possible to settle into a new academic environment repeatedly.
Bottom line, each parent, each child, needs to consider carefully the situations listed above. Talk to others in your community, as well as those in your new place to find out what is available, what experience others have had, and make your best choice within that wealth of information.
I have seen over and over that thoughtful parents who know their children well, who research what is available in the new location, generally make decisions which help their children thrive in the end and develop their personal gifts, as well as the gifts that come with growing up globally.
Third Culture Kids: Growing Up Among Worlds, 3rd edition available on amazon.com
Letters Never Sent updated, 2012, by Summertime Publishing available on expatbookshop.com
Follow Ruth @rdvanreken crossculturalkid.org
“Making the best school choice is totally dependent on each person’s individual circumstances.”
One very important question we rarely have from prospective families is whether or not the school is licensed (has a Portuguese “Alvará”), which allows us to operate as a school. In terms of curriculum, parents should investigate not only the contents, but the teaching methodologies. The American curriculum emphasises critical thinking and problem-solving, and we challenge students to apply what they learn to new situations. We focus on a balanced program that includes arts and athletics, and extra-curricular opportunities such as Model U.N. and Community Service. It is also important that parents make data-informed decisions and ask relevant questions such as how long the school has been in operation, to establish stability, and school demographics, which may reflect a truly multicultural environment. Knowing university destinations and understanding the college counselling program are also important in ensuring the successful continuation of a child’s education.”
WHEREVER asks the experts how to look for the perfect school away from “home”.Nate Chapman, Director, Carlucci American International School of Lisbon (CAISL)
I recommend finding out the school’s mission and values – I look for a school that not only provides a first-class education but also nurtures children to become the best version of themselves. In Portugal, it is good to ask whether the school is approved by the Ministry of Education. You might think they all are, but many aren’t so you can face difficulties down the line, for example getting into a university. I also look at the exam results and destinations of the students – do students achieve success in internationally recognised qualifications like Cambridge or Pearson iGCSEs and A-Levels? Do the majority of students go on to study at recognised universities around the world? And finally, I look at who supports the school. Does it have a history of success, is it supported by a parent-company who assures its future, or is it a member of a recognised association like AEEP - the Association of Educational Establishments in Portugal?
Abi Lewis, Head of School at Nobel Algarve LagoaLook for a school that fits your child’s needs and ambitions. Look for a school that has a truly international community. Do you want them to do the IBDP? What kind of international curriculum are you looking for? Are you looking for your children to be learning skills for the future of work.
Some expats do send their kids to local school and kids are welcome and they can integrate well if they start at a young age. It depends on what parents want for their children and whether they are still looking to go abroad to university after finishing high school.
When choosing an international school for your children there are many aspects to analyse. Schools offering an English National Curriculum ensures continuity and consistency in education. Outdoor learning is also a crucial element to consider. This approach gives students experiences in a secure green environment for activities such as forest school, gardening, and sports. A third feature would be the extra-curricular programmes offered such as mindfulness, chess, drama, cricket, etc. Another key aspect parents should highly consider is the additional language lessons that the school provides. Offering Portuguese is truly valuable to students in order for them to become inclusive community members. These four elements contribute to a holistic education that will prepare your children to shape the world.
Maria Tomé, Head of School at Nobel Algarve AlmancilAlmost any parent you talk to wants their child to be successful in life. The problem is, a lot of parents, when considering where to go for their children’s schooling, are defining success by old standards - wealth, power, privilege, and so on. Yet if you ask those same parents if that kind of success, or the pursuit of it, ever made them happy they’ll agree that it did not. What we should seek for our kids is a place that nurtures their innate curiosity and creativity. That develops them holistically and balances academic success with internalised values and mental and physical wellbeing. That encourages them to identify for themselves what a meaningful, purpose-driven life looks like, and then empowers them to pursue that life.
Sal Gordon, Head, The Green School, Bali“We believe that school should be a place where children are inspired, and strive to reach their individual potential. It is vital to find a school environment that motivates your child. At IPS high academic standards are achieved through an objective-driven approach, but with fun open ended challenges to keep children engaged. While following the English National Curriculum, we also believe in initiatives such as our ‘enrichment programme’ and a focus on outdoor learning.
IPS Cascais prides itself on the warmth of its welcome to children and parents from around the world. With around 340 children, the community spans over 35 different nationalities. Our efforts to ensure child engagement and happiness is evident, with 90% of our parents agreeing that their children come to school happy (Parental survey, 2022).
Matt Hegeer, Admission, IPS Cascais“What we should seek for our kids is a place that nurtures their innate curiosity and creativity.”
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In 2005, the Cummings family acquired a 12th century abbey in the heart of Burgundy, transforming it into a magnificent country house hotel where three generations work together.
Founded in 1131 by another Englishman, Stephen Harding, a Cistercian monk from Sherborne, Dorset, the building is nestled in 6.9 hectares (17 acres) in the luxuriant Ouche Valley between Dijon and Beaune. Once home to some 300 monks in the C13th, it only became known as the Château de la Bussière in the C19th.
Joy and Martin Cummings began their long journey in the hospitality business in 1977 when they acquired their first pub, the King’s Arms Inn in Cookham-on-Thames. Then came The Inn on the Lake in Godalming in 1982, and in May 1988, with the help of a sizable bank loan, they bought Amberley Castle in West Sussex.
One of Joy and Martin’s four children, Clive, trained to become a chef at Westminster College in London and by 1998, Clive and his wife Tanith became the managers. Over the years, Amberley Castle would become an awardwinning, luxury country house hotel, joining the Relais & Châteaux group and gaining worldwide renown. In 2005, the Cummings sought a sister property and, being ardent francophiles, France seemed like an obvious place to start. Visiting the Abbaye de la Bussière, it was love at first sight. They signed the purchase contract there and then. Clive moved out to France with Tanith and their four children. So began a new challenge; to plan the transformation of the abbey into a country house hotel, to set up the new business, to settle the children, then aged ten, eight, four and two, into French schoolsand all this without a word of French!
The abbey opened in April 2006 with ten bedrooms, along with a gastronomic restaurant in the former refectory and a bistrot in the former monks’ kitchen. Within a year, they
became members of the Relais & Châteaux group and the gastronomic restaurant earned a Michelin star. In 2008, the abbey won the prestigious accolade of Andrew Harper Hideaway of the Year. Since then, it has been voted among Condé Nast Traveler’s Best Hotels of the World and listed in the Daily Telegraph Travel’s 50 Best Hotels in the World.
Forever flowing with innovative ideas, Clive and Tanith plan to renovate the old watermill to create some 10 additional bedrooms, create a spa area with swimming pool and develop both a cooking and wine school. The consecrated crypt in the park has been carefully preserved, providing the most wonderful, intimate and spiritual spot for weddings.
In 2015, the family installed three beehives, allowing the abbey to produce its own honey. The organic vegetable and herb gardens are forever being cultivated and, last year, shrimps were reintroduced into the waters below the dovecot and in the lake. The monks have long gone, but Abbaye de la Bussière retains a feeling of peace and tranquillity, hard to find in this modern world.
How is it working with family?
Discipline and diplomacy are important and as much as possible, we try to keep work and family life separate. For us, it is important that if our children work with us, they share our values and love the business as much as we do. They must be accountable for their roles.
How has the business worked within Covid? Hospitality specifically has had a rough time…
To a degree the government helped to keep the business alive, but we still had to borrow
more money - and over a much shorter term. In addition, finding personnel became even more difficult than it was prior to Covid. Many people rediscovered free evenings and weekends - and liked it!
Can you pinpoint key turning points in your life?
Without a doubt, coming to see Abbaye de la Bussière for the first time and signing a ‘compromis’ or preliminary sale agreement on the very same day, without knowing if we could borrow the money from the bank. That was the start of the adventure.
Any advice for those thinking about starting a family business? In hospitality or otherwise?
You need to make sure that all the family is on board, working towards the same goals and fully understands their roles in the business.
What’s your life motto? It has changed over the years, but probably: ‘Follow your Dreams’.
Will your children follow the same path? Our two daughters definitely want to continue in the hospitality sector. We don’t know yet about our two sons.
Would you do it all over again? Absolutely.
Have you integrated the local community? Yes. We moved here from England in 2005. The children went to local schools, we have made local friends and the Abbaye supports local business, from renovation work to our suppliers, to supporting local charities. Not to mention our staff.
“Family means everything to us. It is the base of everything.”
Since Carlos Montez Champalimaud bought Quinta da Marinha in 1922
than a residential estate in a picturesque setting. Today The Oitavos hotel and award-winning Oitavos Dunes golf course offer contemporary design and luxury rooted in Portuguese heritage on Lisbon’s doorstep.
Areal family business, when Carlos Sommer Champalimaud carried on his father’s vision in the 1950’s and 1960’s he built roads and the first homes on the estate. He also introduced sports facilities including horse racing and tennis. Under the ownership of Miguel Champalimaud (the third generation), the sporting estate has been enhanced, including one of Portugal’s leading equestrian centres, a state-of-the-art Health and Racket Club.
WHEREVER chats to Miguel Champalimaud about his take on taking over the family business.
How is it growing up within the family business?
Fascinating, overwhelming sometimes, but always interesting. Also an added responsibility when taking in consideration the future generation.
Did you always know you would follow in your parents’ footsteps or were there other plans?
It was never something I was aiming at. It just naturally happened. A good timing of new projects with finishing of university, made the process evolve naturally. If I would not be working in the family business I might ended
it’s become much more
up working in the same industry – hospitality. My business education and personal traits of personality have led me to like to work with people. Make things happen!
How is it working with family – Benefits? Challenges?
Working with the family is good. But there are always two sides in each coin. On one side you it’s easy to engage people to speak and think about taking important business decisions. Sometimes all that you need is a phone call or a one-on-one meeting and you take a decision. This for me is a major benefit.
On the other side you can have work related issues on top of your mind all the time and you might skip family time (related to non working issues) more than you should. And that is challenging.
How has the business worked within Covid? Hospitality specifically has had a rough time…
Covid affected all our business very hard. We managed to maintain the workforce in place through 2020 and 2021, of course with furloughs in place, etc. But that was one of the most important, if not the most important, challenge we successfully managed.
Can you pinpoint key turning points in your life?
Being national surf champion in my teens; Gap year
Graduating from university Being a father (I have three kids) Opening The Oitavos hotel
Any advice for those thinking about starting a family business? In hospitality or otherwise?
Listening is as important as speaking
What’s your life motto?
I don’t have one but like a fine wine… one should be balanced in life.
What does family mean to you? Big get togethers, culture, big meals
How important is your location? Cascais is in a privileged location in the actual context. It is far yet close from it all. Location is not everything but it is very important. I’m a believer that good experiences/views/ meals/ hotels/ golf courses/ waves, etc deserve a detour - or an entire trip in itself..
How has your area changed recentlyCascais and Quinta da Marinha has seemingly exploded with expats in the last couple of years?
Our area has changed a lot. Like with every change there are good and not so good things. I think that the balance so far is positive for the local community and economy.
Find out more at quintadamarinha.com Follow Miguel at @theoitavos
“Prepare for the worst, hope for the best! Work hard play hard!”
Interior designer Dee Gibson built Kalukanda House and swapped London for running a hip hotel highlighting Sri Lanka’s creativity and natural beauty.
Did you always plan to go into the hospitality business?
It was unexpected. One day I was a London-based interior designer and the next I owned land I had dreams of developingthe vision has exceeded expectations and keeps evolving.
The best thing has been having total control over the narrative of Kalukanda House and creating a brand and platform to highlight the Sri Lanka I know and love.
How has the business worked with Covid? Hospitality, specifically, has had a rough time… and the situation in Sri Lanka? Covid was hideous. Everything stopped overnight and in Sri Lanka there was not only a full lockdown with curfews, but the country stopped anybody flying in for a year! I was
island keeps bringing people back. Recent political trouble was grossly exaggerated, and it is unfortunate that people think that Sri Lanka should be avoided. Nothing could be further from the truth. It is safe, beautiful and as abundant as ever - while trying to withstand the same economic and other issues that all countries are going through.
Can you pinpoint key turning points in your life?
Yes! Switching from a decade-long finance career in the City of London to interior design was a leap of faith into a field I had yearned for. It was the best thing I could have done, despite raising eyebrows at the time.
incredibly lucky that our guests all waitedinitially thinking it would be back to normal by summer, autumn, Christmas, then spring again… they hung in there and I am eternally grateful, they have since all visited. Financially it was tough. Our staff all have young children, and I didn’t want to make anybody redundant. There was no furlough scheme in Sri Lanka, so I was working as a designer in London and funding the maintenance and salaries in Sri Lanka for almost two years. Honestly, the stress was high.
Sri Lanka is a much loved and revered holiday destination and the love for the
Having children slowed me down and anchored me, in a good way, and buying land in Sri Lanka on a whim in 2016 was the most unexpected thing I ever did, even to me. I fell in love with my homeland, one where I had spent early years living with grandparents. The connection had never left me. It really was a calling to go back, and I don’t regret following my heart. It was meant to be.
Any advice for those thinking about starting a family business? In hospitality or otherwise?
Try to follow your heart and instinct. Don’t worry about what others are doing - build your own unique place and fill it with a style and experiences that bring you joy.
Look after your staff and the community you live in and share stories widely. Think about it as a regenerative act, be kind and go into it with your eyes wide open because it is challenging work and is a full-time job.
“If I had been told four years ago, I would be doing this, I would not have believed you.”
Make sure you have a plan B, C and D, and put those in a drawer and don’t look at them unless you absolutely must. Make sure that you have a safety net, the world the way has been spinning the last few years, it’s important to do that and foolhardy not to - but never let that stop you building your own life.
What’s your life motto? I’ll do it my way.
Will your children follow the same path? I truly hope so but come back and ask in 10 years or so!
How do you balance work with raising a family?
It’s tough, there is no denying but it is incredibly rewarding. The cultural differences are quite noticeable - especially as a female founder of native descent who is essentially an ex-pat. However, this can also have its benefits, I have a foot in the east and west and can marry the two, and one of the most beautiful things of having such a difference is that life is so interesting. The cross pollination of ideas creatively is endless, and it feels like there is an opportunity to be more original and have more social impact at the same time. People in Sri Lanka are extremely kind and life is
slower. As a result of that I have developed a more spiritual awareness of life/kids/ purpose/friends and so on.
I absolutely love London and the UK, but I am thankful for the ability to counter the pace of life and expectations we put on ourselves over here, with some deeper connection to myself and the people and nature we find in Sri Lanka. I think we need it now more than ever. I see so many people who are disconnected and are becoming aware of it, they need a place to re-set and Sri Lanka is the perfect place for it sensorially and culturally. I feel incredibly lucky that my life involves travel and design and that I can keep creating in a way that I find fulfilling and which adds value to guests and community, too.
I want to show my daughters that mum needs to work! At the same time, you can change your circumstances and create an environment where you thrive. If my life were a book the first half was mundane and conventional and the second half is full of chapters that twist and turn. Life comes with many challenges, but the rewards surpass, and I wouldn’t have it any other way.
Find out more at @kalukandahouse
“Life is too short so if you have an opportunity to do something you love, go for it!”
Kam is a mum of two, fresh off the boat, having escaped from the United States in search of a new lifestyle.
Four days. That’s the total amount of time I’d spent in Portugal before immigrating here. I packed my boys, my husband, my house, my car (I was naively ambitious with that one), and my elderly dog before taking a giant leap of faith into the Algarve.
Let me explain how I got here. At 3am, on June 5th, 2020, I went into labour at our home high in the Hollywood Hills. My trusty husband grabbed our masks, ‘ready’ bag, and a large cardboard sign as I waddled to the car, taking one last selfie. We sped down deserted Laurel Canyon until we reached the tanks blocking Sunset Boulevard (BLM protests). My husband brandished the homemade, but good to have, Woman in Labor, Cedars-Sinai! sign, and a soldier gave us a thumbs up, and waved us through.
When we got to the hospital, they quickly admitted me, but made my husband wait in the car for several hours due to Covid plague protocols. A very short 48 hours later, the doctors sent us home because the risk of the virus outweighed the post-operative dangers of having a C-section.
In case you didn’t know, 2020 saw California pretty much entirely on fire. So after returning home, we resealed ourselves in our little airpurified sanctum with a new pandemic baby thinking, “Wow, that was intense, but we made it.” A few nights later, a bassinet-rocking (cradle) 4.3 earthquake woke us up, and I finally told my husband: “OK, we’re out.”
After gathering visas, criminal background checks, NIFs and health insurance applications, we left the US for good. Remember how I said I’d only spent four days in Portugal before moving here? Yes, well, luckily, it’s been great.
Portugal is safe, the cops are friendly –there’s nothing to fear from them here –and if someone is wearing a red hat, it’s Benfica, not MAGA. There are no active shooter drills for elementary students either. At four-years-old, my son’s pre-school had to practice hiding and staying quiet in case a ‘stranger’ came into the building.
My sons pursed their lips at their first taste of Portuguese yogurts because they lacked 50g of sugar in every spoonful. Bread goes stale here in a day or two, versus the ‘fresh’ loaves still good for weeks in the US, and the A22 traffic with its occasional horse and cart is no comparison to the carmageddon of the 405.
I have to say, I love everything here, the people are kind, the food’s delicious and everyone is surprisingly friendly. Even our old dog is thriving, She’s the slightly croaky voice in the nightly canine choir.
So far, we feel safe, valued, and very happy. So in my still rudimentary Portuguese, but from the bottom of my heart, ‘muito obrigada’ Portugal.
“The Algarve feels like Hollywood’s golden era with swimming pools, suntans, pristine beaches and magical light.”
Not a new California, a better one...
This August, my son finally started school in Denmark. It was a moment of trepidation for all of us. His world is about to be turned upside down after years of børnehaven (Danish kindergarten). For us parents, it’s a myriad of anxious questions. Will he like it? Will he make friends? Why does the school year start a month earlier than most of the world?
Danish school starts just after 8am and finishes at 2pm. Yes, you read that right. You have to pick them up just after lunch. Fortunately, there is a uniquely Danish thing called SFO, basically a holding pen for bored kids to muck about in under minimum supervision until they get picked up.
So this SFO runs every day until 5pm and the kids can run around until you are physically able to come pick them up. At first, of course, we are still picking him up around 3 p.m. because otherwise he’s just shattered. For Danes, your world revolves around the kids, not the other way round. Which is fine in theory, but it makes managing your world quite tough –especially when compared with my own school experience.
I should point out that growing up in England, I went to a ridiculously anachronistic school. Five hundred years old, founded by the son of iconic fat wifekilling psychopath Tudor monarch, Henry VIII. Formal, archaic, draconian and strict. Think Hogwarts, but only ALL the kids were muggles. That said, I had a great time. I
learned a lot, I still have daily WhatsApp chats with fellow school friends more than twenty five years after leaving, and I wish such treasured aspects from my youth upon my own children. But therein lies another challenge.
My education was pretty regimented. Structure was the order of the day. Now he has been there for around two months, I am surprised by how, ahem, ‘relaxed’ it all is. They say the best way to learn is through play, and I thoroughly believe that. I just hope that there’s enough structure that this opportunity is not squandered through a decade of dicking about with LEGO.
Then again, I’m probably missing the point. The purpose of school is arguably to help create and nurture happy, well-rounded individuals. Kindness is clearly a more useful life skill than knowledge of quadratic equations or the Reform Act of 1832. That said, I wouldn’t have achieved so many things in my adult life that I’m incredibly proud of without my classical, academic education. I was very lucky. Many aren’t. And that was then. This is now.
So now, we take him in each morning, keeping one eye on how things are going. Asking questions without pushing, making sure he feels loved and secure when he gets home, and waiting for things to settle down. And I know that if I could wave a magic wand and cast a spell to make everything smooth sailing, I would. But even I didn’t get taught that.
The struggles of becoming a bilingual family in Copenhagen.
“Emphasis was placed on academic excellence and how many pickled onion Space Raiders you could stuff in your mouth during lunch break.”
It’s an uncomfortable truth (or maybe a very comfortable one): the tall SUV vehicles that increasingly dominate roads around Europe and North America are lousy at moving families. How many more new Volkswagen T-Rocs, Peugeot 2008s and Hyundai Tucsons do you see than any kind of sedan or estate? You have to go far down the list of bestselling cars to get to a Toyota Yaris or Renault Clio.
SUVs have bred more SUVs. If people around you are driving tall cars, you’re at a disadvantage in visibility at intersections
and in traffic when all you can see out your windows are doors and grilles.
They’re also popular because especially for people with reduced mobility, it’s easy to get in and out of something with a seat closer to your hip height (H point, in car speak). However, making tall vehicles requires compromises, the biggest one of which is space.
Even when it’s not all-wheel-drive, which is increasingly common, the height takes up room that could be used for other things, like
David Traver Adolphus says SUVs killed family transportation, but EVs might be bringing it back…
of the
people. It does allow manufacturers to package more components underneath the car and tuck in the ends, making them shorter, but getting people on top of that ends up exaggerating the height even further.
Saloons and estates have another advantage: they’re more efficient. No matter how aerodynamically slick it is, a taller vehicle pushes more air out of the way, making it consume more fuel for a given volume. There’s a reason aircraft are long and thin.
time to come, there’s a lot of incentive to keep them at least a little lower than comparable conventional engine cars.
Safety is a real concern, though. Tall vehicles are already increasing pedestrian fatalities, and making collisions more dangerous. If the American trend of making EV SUVs even larger than their gas engine equivalents continues and spreads, we risk an arms race of electric behemoths rampaging through the roads.
Electric cars can have a battery pack under the floor that might only be 30cm thick, but their real trick is eliminating the transmission and driveline. Instead, they usually have electric motors at the wheels, with no connection between them and the power source other than some cables.
This lets an electric car use more of its interior space for people, recreating some of the upright experience of an SUV in a lower package. Since battery ranges will continue to be a serious concern for EVs for a long
The best hope to avoid EVs going the way of the family car is for people to fall in love with their style and convenience. Low and sleek used to be selling points, and we’ve yet to see a luxury SUV, even a Lamborghini or Bentley, that we’d call attractive, let alone stylish. Sitting close to the road is just more fun than up high, cars handle better, and lower cars just look better. EVs can save not just the family car, but car styling, as well.
“Saloons and estates have another advantage: they’re more efficient.”
“We love MPVs, which drive much better than SUVs, and have far more room in an equivalent space. Some people don’t like them because of their lack of style.”
WHEREVER’S resident yachting expert Julia Zaltzman says Greece’s Saronic Gulf is the stuff of legend.
Experience Greek island hopping in the coveted Saronic Gulf aboard a private sailing yacht, and discover ancient mythology, arresting coastlines and the thrill of escapism at sea, set against a backdrop of fine food and expert diving.
The alluring Greek Islands are saturated in ancient legends. The Saronic Gulf, opposite the Peloponnese mainland, once believed to be a string of six entrances to the Underworld is today appreciated for its translucent azure waters, secret coves and verdant green landscape.
The pine-covered hillsides and sandy beaches of Spetses have attracted the likes of Marilyn Monroe and Elizabeth Taylor, and in June the sleepy town comes alive for the three-day Spetses Classic Yacht Regatta.
A favourite among the sailing elite, the fiveisland archipelago provides relaxation amid the salty sea air. Drop anchor at Agistri, the smallest island, and dive vast caves and submerged fishing boats teeming with life.
For novel divers, the Hydra Diving Center provides a stunning introductory experience (hydra.com.gr/diving-center/).
The winding, whitewashed streets of Hydra, with a tiny population of circa 2,000, are lined with C18th buildings that point downhill towards the small horse-shoeshaped harbour. Take in the view atop Mount Eros, Hydra’s highest peak, en route to Prophet Ilias Monastery. For utter seclusion, visit the cove of Saint Nikolaos.
Peppered along the coastline brilliant white dots of ancient architecture stand in stark contrast to the cobalt blue sky and turquoise church domes. Take a leap of faith off the side of the yacht into glistening, clear waters, or for a touch of glamour, head to The Poseidonion Grand Hotel on Spetses (poseidonion.com) and dine on freshly caught seafood right on the water’s edge.
You’ll never forget...
Travelling by mule – Hydra remains one of the few Greek islands on which no cars or modern transportation is allowed, so it’s the easiest, and most fun way to get around.
Make time in Athens to sip on ouzo at the Grande Bretagne’s rooftop restaurant, the view of the floodlit Acropolis is breath-taking
“Take a leap of faith off the side of the yacht into glistening, clear waters.”
The yacht charter season starts early April and ends in November, but the best months to go are June through to August when the wind is reduced, and the sea is a pleasant 23°C
A charter sailing yacht is the most authentic way to island hop, but for cheaper options there are regular ferry trips between all five islands. Just be sure to check live updates as times and duration can differ between seasons
Fly into Athens International. Flisvos Marina is where most private yachts tend to anchor, although Alimos Marina offers more options for bareboatingspontaneous charters. Alternatively, request the yacht to meet you at the Port of Poros, which is well-placed to begin a charter in the Saronic Gulf.
Accommodating up to 12 guests, 50-metre (164 ft) luxury sailing yacht Meira is available through Ocean Independence, with a oneweek summer charter starting at around £101,600 (oceanindependence.com).
“A favourite among the sailing elite, the five-island archipelago provides relaxation amid the salty sea air.”
Located 12 kilometres (7.5 miles) south of Marrakech, along the banks of Ghord’s wadi, the Fairmont is set within the grounds of Domaine Royal Palm in a pristine oasis, dotted with age-old olive trees. Nestled at the foot of the snowcapped Atlas Mountains, this unique 18-hole course pioneers luxury and sustainable development in Morocco. Designed by Cabell B. Robinson (who chooses the top 100 courses worldwide on behalf of Golf magazine and is the sole independent member of the American Society of Golf Course Architects in Europe), the Par 72 course stretches over 6,608 metres (4.1 miles) and 75 hectares (185 acres). Also on hand, are two putting greens, a chipping green, advanced equipment for technical analysis, a junior golf academy, classes of all levels, digital coaching studio, club fitting workshops and s pro shop. There’s a very smart clubhouse not to mention the hotel’s plush facilities, from the Clarins Spa to the gym and a choice of restaurants ranging from the Moroccan Al Ain and the gourmet La Caravane. Being all suites, the hotel’s swanky rooms are a treat too, the smallest a spacious 73m2. So, you won’t be left wanting for space.
fairmont.com
Terre Blanche Hotel Spa Golf Resort, Tourettes, France
This luxurious hideaway in Provence is the perfect family golfing escape. Sprawling over 300 hectares (741 acres), it’s got two glorious courses designed by Dave Thomas, its own golf school starting age five, and all the highend tech and gear a pro can dream of. The two 18-hole courses, Le Chateau, named after the Château Bouge, which you can glimpse from the green, and Le Riou, named after the river that runs through, are set in some of France’s most beautiful countryside.
Le Chateau runs over 6,616 meters (4.1 miles) with bunkers and greens worthy of a championship course. Each September it hosts the French Riviera Masters, otherwise known as the European Seniors Tour. Geared to golfers with a handicap/index under 35, Le Château is ranked 14th in Continental Europe by Golf World Magazine. Le Riou, offers panoramic village views with steep fairways and elaborate greens. The training centre, a ‘European Tour Performance Institute’ features sixty-four tees on two levels, closed training tees, indoor putting green and high-performance training programmes with an overwhelming array of gadgets. In addition, it boasts two outdoor putting greens, two chipping greens, an amazing Pro-shop, grassy driving range with bunker area, as well as covered, lit, heated spaces, so one can train no matter the weather conditions! Families will also appreciate the spacious, plush suites and villas, all over 60m2, as well as the huge Carita spa with a sauna and hammam, the high-tech fitness room, the Kid’s Club, choice of four heated pools and four gourmet restaurants. terre-blanche.com
Whether you want to take the family or go solo, here’s a little inspiration for that next short haul golfing trip.© Fairmont Royal Palm Marrakech. © Terre-Blanche Hotel Spa Golf Resort.
Check into the swanky Conrad Algarve, set in Southern Portugal, where the sun shines 300 days a year. Just as stone’s throw away from Quinta do Lago, it’s a golfer’s paradise with several first-class championship courses. Its South Course is a favourite with European Tour professionals, and regularly features in Golf World magazine’s ‘Top 100 Golf Courses in Europe’. The par-72 layout was named ‘Best Course in Portugal’ and has hosted the Portuguese Open many times. Try Laranjal for its picturesque surroundings and perfect Bermuda grass fairways. The Royal golf course in Vale de Lobo, based on a design by Sir Henry Cotton is best known for its dramatic cliff edge location, while the new North Course was redeveloped by renowned American golf architect Beau Welling with 2014 European Ryder Cup captain Paul McGinley. Quinta do Lago also boasts Europe’s only Paul McGinley Golf Academy and a TaylorMade Performance Center. The Conrad Algarve even has a golf concierge with PGA golfing pro on hand for professional coaching. Off the fairway, the Spa and Health Club provides welcome pampering, while foodies will be spoilt with five restaurants!
conradalgarve.com
A classic, quick weekend escape from London, Stoke Park is set just 15 minutes from Windsor. A magnificent mansion house set amidst 350 acres (142 hectares) of beautiful parklands landscaped by Capability Brown. Stoke Park might look familiar thanks to its many forays onto the silver screen. A close relationship with Pinewood Studios has seen it featured in James Bond films including the epic duel between Bond and Goldfinger. To swing like Bond, hit the 27-hole championship golf course designed in 1908 by Harry Colt. There are also perfect practice facilities, with a putting green, driving range and short game area as well as a state-of-the-art indoor Swing studio for interactive lessons and club fitting. Never mind the rain! The rooms have their own soul thanks to authentic antiques and paintings aplenty and currently being refurbished. In addition to the golf, you’ll also find 13 tennis courts, which welcome international players for the annual pre-Wimbledon tennis tournament. Enough exercise? The spa with its pool and marble steam room is just the place to kick back and relax before dinner at Humprhy’s.
Although this glorious Art Nouveau hotel dating back to 1910 doesn’t have a golf course on site, it’s a quick 10 minutes’ drive to get to the Menaggio and Cadenebbia Golf Club. What’s more, this is where George Clooney (who apparently plays to a 25 handicap) likes to practise his swing when he’s at home in Lake Como. The 100-year-old Menaggio and Cadenabbia Golf Club was established by Brits, set in stunning mountain scenery with narrow fairways and steep inclines, keeping it off the International Opens’ radar, and therefore utterly discreet. Prefer to play further afield? The hotel is also within easy reach of seven of Italy’s top 18-hole courses, including the Circolo Golf Villa D’Este, the Golf Club Monticello and the Lanzo Golf Club. In terms of accommodation, the Grand Hotel Tremezzo offers the ultimate in five-star luxury, with astounding lake views against the stunning Grigne mountains backdrop. Check into an 8th floor suite for the full experience, including butler service, impressive cedarstone bathrooms - with more jawdropping views - and your own rooftop Jacuzzi overlooking the lake. Other perks include two outdoor pools, one right on the water with its own beach bar, two restaurants, an indoor heated pool at the spa, a clay tennis court, a plush billiards room and the Panoramic Trail, making that early jog a real treat. All that in an authentic Belle Époque palace set in a 20,000 square metre (4.9 acres) park with rare magnolias, azaleas and rhododendrons. No wonder Greta Garbo said Tremezzo was her ‘happy, sunny place’. Sadly, the story doesn’t tell whether she played golf there.
grandhoteltremezzo.com
Christmas is time to make the effort and transform your home and your dining room into a warm, cosy and spectacular scene.
Accessories are key to creating a particular look on your Christmas dining table.
Whether you use candles, flowers or home-made decorations, this is the time to get creative.
Setting a colour theme is essential to tie a table’s decorations together. You can never go wrong with traditional reds and greens, simple whites and slick metallics.
Adrienne Chinn, interior designer.
Great company, great wine… This is the time to get out the fancy glassware for a cheery toast. Go modern or dig out the family crystal if you’re lucky enough to have some!
Using special tableware is a classic way to bring a festive look to your table. To keep things simple, choose contemporary versatile white quality bone china or go vintage.
“CHRISTMAS IS A TIME TO PULL OUT ALL THE STOPS ON THE DINING TABLE. I ALWAYS INCLUDE CANDLES, LINEN TABLECLOTHS AND NAPKINS, SILVERWARE, CRYSTAL, GOOD CHINA AND CHRISTMAS CRACKERS (OF COURSE!).”
Sparkling white damask or linen tablecloths like those from the White Company are eternal classics. As a blank canvas there isn’t anything better. White is the perfect backdrop for any colour you choose to set as your theme.
Usually discarded on today’s dining tables, Christmas is their time to shine. Try classic silver rings or go for fun novelty. Or make your own with ribbon or raffia.
CUTLERY IS ESSENTIAL FOR A FESTIVE TABLE DRESSING. BLEND MODERN AND TRADITIONAL WITH SLEEK PIECES SUCH AS THE ‘CACCIA’, BRINGING CLASSIC ITALIAN DESIGN AND STYLE TO THE TABLE.”
Matteo Alessi, managing director, Alessi.
Pick up colourful candles from Ikea where silver and red candles are available, or simply use an array of tea lights in Christmas themed holders. To create more of an atmosphere, scented candles are a good trick. For a Christmassy feel, try the Nutcracker from the Algarve Candle Company.
Remember, a huge centrepiece might look great but isn’t terribly practical and could block the view! Make your own using seasonal holly sprigs or the ever-popular mistletoe. If you are sticking to a colour theme, simply spray paint some of your key pieces. Silver ivy always works. Don’t forget to include a Poinsettia in your decoration, it’s the traditional Christmas plant you can’t do without.
“LIGHTS
Emma Carson, senior interior designer, IKEA.
Creating place name holders is easy and a unique way to really make your mark on your dining room table. A chance to get creative, any personal touch is appreciated. Try simply using a flower laid across a napkin with a name tag attached to it, or if you are a whiz in the kitchen, bake a Christmas cupcake or mince pies with each person’s name on top.
Use colour-coordinated Christmas tree decorations, or think out of the box by using sweets, children’s toys or glass charms that will twinkle in the candlelight. Other popular options are mesh butterflies, wooden figurines or garlands of greenery and berries across the centre of the table or hung above.
Oranges and apples are a great seasonal way to decorate a table without breaking the bank. For a more complex arrangement, slice lemons and oranges and drop into a vase with a few sprigs: a minimal and arty result. For a hassle-free dash of colour, simply fill over-sized bowls with clementines or nuts to the brim.
“NO SPACE ON THE DINING TABLE FOR A CENTRE PIECE? SIMPLY HANG DECORATIONS ABOVE THE TABLE USING INVISIBLE FISHING WIRE.”
Reality superstar Kim Kardashian has had a busy year! The socialite-cumbusiness mogul finalised her divorce to rapper Kanye West, got together with actor Pete Davidson and then broke up with him, officially became a billionaire, helped Afghanistan’s women’s soccer team escape the Taliban, and passed California’s ‘baby bar’ law exam. In between running her mega-successful brands KKW Beauty, KKW Fragrance, and Skims and raising four children, Kardashian has also made some big moves in the real estate market. She has listed a Vincent Van Duysen-designed condo in Calabasas (featured on Keeping up With the Kardashians) for sale for $3.5 million. She paid her ex-husband, Kanye, $23 million for his share of the sprawling
Calabasas mansion where the couple had lived with their kids since 2014, and picked up an even more spectacular property, with big ocean views in Malibu.
A two-storey, red-roofed Mediterranean, the residence spans 7,450 sq ft (692 sq m) with 3.2 acres (1.29 ha) of luxuriously landscaped grounds. With a chic, airy floor plan, the main floor is complete with a great room combining the living room, den, dining area and gourmet kitchen. Floor-to-ceiling sliding glass doors showcase sweeping coastline views and open onto the wrap-around deck with firepit. The grand master suite includes a fireplace and sitting area, as well as dual spalike bathrooms and a walk-in closet. The other bedrooms include their own en-suites, with
A sneak peek into Kim Kardashian’s new home, snapped up in Malibu’s Encinal Bluffs for a cool $70.4 million.
one having a private entrance, bathroom and kitchen. A gym with vaulted ceilings and a media room complete the villa.
A spectacular pool and spa including a cabana with its own fireplace, tennis courts and multiple outdoor decks provide options for entertaining and enjoying the stellar sunsets for which Malibu is known. A private path leads down to the white sands of El Sol Beach, accessible only to the handful of surrounding mansions that make up the neighbourhood. Mature trees, including palms, surround the house for a serene, natural feel. Nearby options for entertainment include the Malibu Riding and Tennis Club and the famous Paradise Cove Beach Cafe, with the boutiques and restaurants at the Malibu Country Mart just a scenic fifteen-minute drive down the coast.
Kim was born in Los Angeles and, although having lived in a variety of homes in her 41 years, has stayed close to LA with houses in Beverly Hills, Beverly Grove, Bel Air and Hidden Hills. Her new ocean-front home in Malibu will keep her close to the many other celebrities who have homes in the area, including Lady Gaga, Courtney Cox, Leonardo DiCaprio and Cher. It is about an hour’s drive to Beverly Hills and Bel Air.
PREVIOUSLY OWNED BY SUPERMODEL CINDY CRAWFORD, WHO STILL LIVES NEXT DOOR, THE HOUSE WAS ORIGINALLY LISTED FOR A COOL $99 MILLION.
Rita Branco completed a post-graduate specialisation in Tax Law, Real Estate, Urban Planning and Construction Law before founding ALLawyers Law office with Tiago Felizardo in 2010.
Who are ALLawyers?
We are a Portuguese law firm with expert advisers in every area and we are experienced in dealing with the particular needs of clients in purchasing and owning properties. Our approach is client-centred, collaborative and carefully built around a complete understanding of the needs, challenges and aspirations of our clients. Currently ALLAWYERS has collaboration with law offices in the UK, Belgium, France and Ireland and has a team of lawyers with over 20 years of experience in a broad range of legal fields, all registered with the Portuguese Bar Association and fluent in English.
When it comes to purchasing a property in Portugal, ALLawyers can help with the following points when it comes to conveyancing
Consideration of the initial purchase/sale documentation and legal advice on its main terms;
Advice generally in relation to aspects of Portuguese inheritance law and property ownership and applying those rules to your position;
• Approving the closing documents and arranging for completion of a Power of Attorney if you decide to have another sign on your behalf;
General guidance throughout the transaction;
• Consideration of Wills and advice on any changes recommended covering property ownership in Algarve.
Rita Branco is a Portuguese qualified lawyer and member of the Portuguese Law Society. She has been practising law in the Algarve since 2000. Rita completed a post-graduate specialisation in Tax Law, Real Estate, Urban Planning and Construction Law before founding Allawyers Law office with Tiago Felizardo in 2010. Rita was President of the Loulé Delegation of the Law Society from 2011 to 2016 and a Member of the Council and National Board Committee in Lisbon, representing the Algarve, from 2016 to 2020. Rita practices in the fields of property conveyancing and tax law, wills, gifts and probates, corporate and commercial law, residence and emigration.
Rua Cristovão Pires Norte, 137N 8135 - 117 Almancil, Algarve – Portugal
T +351 289 399 720 E ritabranco@allawyers.eu W allawyers.eu
This communication is for informationalpurposesonlyandis notintendedtoconstitute,and shouldnotbeconstruedas, investmentadvice,investment recommendations or investment research. You should seek advice fromaprofessionaladviserbefore embarkingonanyfinancial planningactivity.
Liaise with the estate agent and closing agent in connection with the sale or purchase documentation and its execution and raising any additional enquiries;
ALLawyers work with small and medium sized businesses, families and individuals throughout the UK, Ireland and Europe in providing legal and notarial services. Being a small niche client-focused firm, we are not the typical firm practising in the Portugal.
This communication is for informationalpurposesonlyandis notintendedtoconstitute,and shouldnotbeconstruedas, investmentadvice,investment recommendations or investment research. You should seek advice fromaprofessionaladviserbefore embarkingonanyfinancial planningactivity.
With standard tax rates ranging from 14.5% to 53%, Portugal can either be crippling or a tax haven depending on how and where you structure your wealth.
Portugal introduced the Non-Habitual Residence (NHR) scheme in 2009 and made updates in 2020. It offers new residents to the country the potential for very low (or no) tax on pensions, capital gains and certain types of income for 10 years.
The greatest draws for expatriates are the favourable taxation of pension income: 10% for post-31st March 2020 NHRs (0% for pre), 0% tax on foreign dividend income and a 20% income tax rate on earned income for those working in Portugal in jobs deemed as ‘highly valued’ by the Portuguese government.
Another opportunity is for those with investment property portfolios. NHR can exempt capital gains tax in Portugal, which under normal circumstances would otherwise be taxed at progressive rates.
For those without NHR, Portugal can still be a tax-efficient home depending on how you structure your income and savings sources. With the correct planning and structuring, you can legitimately create a tax-favourable position and in some cases, single-digit rates of tax, which means that Portugal can still be more favourable than most individuals’ home countries.
Planning at least a year before your move is best to put yourself in the most favourable position. This will allow you to take advantage of any tax opportunities in your home country
and arrive in Portugal with the right structures, assets or income sources.
The benefits of NHR do not automatically apply to all situations; planning is required to maximise tax-saving opportunities.
There are subtle nuances to the NHR scheme and international tax rules, meaning that in some cases it may not be beneficial to apply for NHR. It depends on how your income is generated and the interaction with your originating country and in some cases, we have seen this create an additional tax liability.
Another common complexity can be the interaction between taxation in Portugal and the former country. For example, what some people believe will be tax-free income may be taxable because of a nuance in the law e.g. income sources must have the ‘potential’ to be taxed in the originating country to qualify under NHR.
Paying zero or very low rates of tax is possible in Portugal as an NHR or standard resident, but it very much depends on each person’s circumstances. Planning (and potentially restructuring) is required.
As Chartered Financial Planners and Tax Advisers, we are in the best position to provide cross-border advice to expatriates and assist in creating compliant tax-efficient solutions.
For a complimentary initial consultation please contact Mark Quinn & Debrah Broadfield at T +351 289 355 316 or E mark.quinn@spectrum-ifa.com. Alternatively, visit W www.spectrum-ifa.com for tax updates and important information about living in and moving to Portugal.
Portugal has long attracted expatriates looking for warmer climes, good food and a relaxing pace of life; but in recent years, the wide range of entry visas and attractive tax breaks for new residents have seen Portugal’s popularity soar.
Start your estate planning review by getting to know some key features of the Portuguese system and how it might affect you and your family.
1. Portugal’s succession law imposes ‘forced heirship’
The first step in estate planning, whether for Portugal or anywhere, is deciding who to leave your assets to and in what amounts.
Portugal, however, imposes restrictions on how freely you can distribute your wealth. If you are a Portuguese resident, the succession law determines that a fixed portion of your estate
Another key element of estate planning is understanding and reducing succession taxes.
will automatically pass to your direct family (according to the state’s definition of family). This applies to your worldwide assets, with the exception of non-Portuguese real estate.
Foreign nationals, however, can elect for the succession law of their country of nationality to apply instead – therefore overriding Portuguese forced heirship. You must expressly state this in your will or similar legal document, your family cannot opt for this after your death.
What about Brexit? Although it is an EU regulation, your eligibility to apply Brussels IV has not changed since the UK left the EU. It applies to anyone who is resident and/or owns assets within participating countries in the bloc, regardless of EU nationality.
Note that Brussels IV only affects succession law – you cannot choose which country has taxing rights to your estate. That said, applying Brussels IV is complex and could have unwelcome tax implications, so explore all the available options to establish what would work best for you and your heirs.
3. Family status determines who pays Portuguese inheritance tax
BlevinsFranksWealthManagement
Limited(BFWML)isauthorisedand regulatedbytheMaltaFinancial ServicesAuthority,registerednumberC 92917.Authorisedtoconduct investmentservicesunderthe InvestmentServicesActandauthorised tocarryoutinsuranceintermediary activitiesundertheInsurance DistributionAct.Whereadviceis providedoutsideofMaltaviathe InsuranceDistributionDirectiveorthe MarketsinFinancialInstruments
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As a result, your spouse, children (biological and adopted), and direct ascendants (parents and grandparents) could get a minimum of half your estate, regardless of whether that’s your intention.
However, it’s possible to ensure your wishes are fulfilled by establishing specific arrangements to override this rule.
2. You can choose whether UK or Portuguese law applies to your estate
Since the EU succession regulation ‘Brussels IV’ came into force in 2015, the succession law of your country of residence will apply by default on your death.
Another key element of estate planning is understanding and reducing succession taxes. Portugal doesn’t impose an ‘inheritance tax’ as we know it, but does apply a 10% ‘stamp duty’ when assets are passed on death or as a lifetime gift.
There are two key rules/exemptions: Spouses, descendants (children, grandchildren), and ascendants (parents) are exempt from this tax.
The tax only applies to Portuguese assets –mostly real estate – regardless of where the donor or beneficiary is resident. Assets in the UK and elsewhere are exempt.
Note that stepchildren do not count as direct family and so will pay this tax (unless legally adopted). Likewise, partners who are neither married nor in a civil partnership could also be liable, though if you inform the Portuguese authorities after two years of living together you should be considered married for tax purposes.
4. Each recipient pays the inheritance tax
Unlike the UK, where tax is generally paid before an inheritance or gift changes hands, in Portugal tax is paid by the person receiving it.
Ownership of an asset cannot be transferred until the tax is paid – you cannot sell the asset to pay the tax. With stamp duty due within six months after death, some heirs may find it a difficult tax to pay, particularly on highervalue inheritances.
5. You could still face UK inheritance tax
Even after living in Portugal for years, UK nationals could still be considered UK domiciled by HM Revenue & Customs. This could result in UK inheritance taxes of 40% on your worldwide assets (above the thresholds). This is in addition to Portuguese stamp duty, but there are measures to avoid double taxation on the same asset.
Domicile law is extremely complex so take specialist advice to establish your position and plan accordingly.
Portugal estate planning to make life easier for your heirs Ultimately, it’s important to understand how Portuguese succession rules apply to your personal objectives and unique situation, and how they affect your UK liability.
You should also consider how your legacy will be received by your heirs. An extra gift you can leave them is a straightforward and taxefficient inheritance process. Take action now so your assets can be passed to them as quickly and easily as possible – with some investment structures, for example, the funds can be transferred to your nominated beneficiaries without the need for probate –and with as little tax as possible.
With careful planning and specialist, crossborder advice from Blevins Franks, you can get peace of mind that you have the most suitable estate plan in place, for yourself and your chosen heirs.
Contact us today to talk to one our advisers on T +351 289 350 150 (Blevins Franks Loule) or W blevinsfranks.com
Taxrates,scopeandreliefsmay change.Anystatementsconcerning taxationarebaseduponour understandingofcurrenttaxation lawsandpracticeswhicharesubject tochange.Taxinformationhasbeen summarised;individualsshouldseek personalisedadvice.
This communication is for informationalpurposesonlyandis notintendedtoconstitute,and shouldnotbeconstruedas, investmentadvice,investment recommendations or investment research. You should seek advice fromaprofessionaladviserbefore embarkingonanyfinancial planningactivity.
Unlike the UK, where tax is generally paid before an inheritance or gift changes hands, in Portugal tax is paid by the person receiving it.
Time in the market beats timing the market. This well-known maxim encapsulates arguably the most important piece of investment advice – to stay invested - and is particularly timely given the current environment and recent drops in both equities and bonds. Evidence shows that remaining invested for the long term is one of the best things you can do for your overall wealth.
2022 has been a challenging year for stock markets with sizable declines seen in global equities as the highest level of inflation in a generation has caused central banks to embark on rapid monetary policy tightening.
Occurring against a backdrop of slowing global growth, calls for a period of stagflation have gained credence and grown louder.
However, investors should maintain a long-term horizon and look through short-term headwinds. Staying invested allows you to benefit from the growth in businesses and the economy over time, and while it can be tempting to take money out of the market in the short term, history shows it is highly likely to deliver lower returns overall.
To help illustrate this we put together three charts of historical stock market performance over a long-term horizon.
Our first chart shows the performance of US shares from the end of December 1979 to the end of September 2022. Overall, the picture is encouraging with investors enjoying positive returns during the period, despite several significant declines along the way - the market experienced seven bear markets, defined as a market decline of 20% or more, and is currently in one. Downturns are not rare events and typical investors, in all markets, will experience many bear markets during their lifetime.
Chart one: markets trend up over time, despite several bear markets
Source:RefinitivDatastream.BasedonUSMSCITotalReturnindexfrom 31December1979to30September2022.
Investors should maintain a long-term horizon and look through short-term headwinds.
Time in the market beats timing the market. This well-known maxim encapsulates arguably the most important piece of investment advice – to stay invested - and is particularly timely given the current environment and recent drops in both equities and bonds. Evidence shows that remaining invested for the long term is one of the best things you can do for your overall wealth.JohnWestwood,Foundand GroupChairman.
Our second chart demonstrates the negative impact of missing the best days in the market. While it might seem preferable to avoid bear markets, many of the largest daily gains occur during these periods. Missing these days by divesting into cash would have a clear and significant detrimental impact on your overall returns.
The bar on the left-hand side shows how much a £1m portfolio invested in UK shares (reinvesting dividends – see chart 3 below) at the start of the year 2000 would be worth now – it would have more than doubled. The bars to the right show how much your portfolio would be worth had you missed the best 10, 20 and 40 days in the market. Notice that the portfolio would have lost value during this period had you missed the best 20 or 40 days in the market.
Source:RefinitivDatastream.BasedonUKMSCITotalReturnindexfrom 31December1999to12October2022.
Dividends are payments made by companies to shareholders and can account for an extremely significant portion of long-term returns. Reinvesting these dividends allows them to compound and can provide a major increase to overall returns. For instance, reinvesting dividends can more than double the overall return, as has been the case for UK indices since the turn of the millennium. The following chart shows the performance of £1,000 invested into UK shares and US
$1,000 invested into global shares, with dividends reinvested or paid out from the end of December 1999 to the end of September 2022.
Critically, dividends are often paid at regular intervals and therefore, if you try to time your entry in and out of markets, you may miss these payments (there can also be minimum holding periods to receive dividends). Missing dividend payments would have severely diminished your investment returns over the past 22 years – you would have received the returns shown above in blue, rather than the returns shown in orange.
In conclusion, there have been clear benefits to remaining invested over the past 40 years. Historical results should not be seen as a guarantee of future performance, but the
rationale behind this approach is sound. Looking through short-term volatility and maintaining a long-term focus has proven to be a winning strategy, largely due to not missing the best days in the market and the reinvestment of dividends.
Chart three: the dividend difference
Source:RefinitivDatastream.BasedonMSCIUKandUSMSCIpriceandtotalreturn indicesfrom31December1999to30September2022.
Thiscommunicationisforinformationalpurposesonlyandisnotintendedtoconstitute,andshouldnotbeconstruedas,investmentadvice,investment recommendationsorinvestmentresearch.Youshouldseekadvicefromaprofessionaladviserbeforeembarkingonanyfinancialplanningactivity.
There have been clear benefits to remaining invested over the past 40 years.
Eurofinesco is an independent fiscal services company, whose specialist teams of multilingual staff composed of twenty-five professionals offer solutions to assist a smooth crossing to your sound financial future here in Portugal.
We navigate complex bureaucracy, documentation, and personalised tax. Care should be taken with structuring transactions to ensure such is done in the most tax efficient manner. Meeting global compliance and cross border demands we are at your service with thoughtful solutions to minimise our clients’ tax liabilities.
Established in 1991 our experience in building strong relationships with our clients and providing superior services is paramount. We advise and assist the international community on all fiscal subjects providing distinct services helping our clients reach their goals through insight, innovation, and experience.
Our Consulting Services leverage experience with industry expertise to maximise your value and minimise our risk. We emphasise practical planning strategies to reduce your worldwide income tax burden.
Listening and keeping our clients at the centre of our thinking we build their plans. This solid level of expertise from our staff and expert advisers makes it possible to assist and advise a very diverse clientele, whether individuals or companies, or various organisations such as non-profit ventures or trusts.
ties with your country of origin leads more taxpayers to organise their lives. All our clients are individuals. We recognise that the determination of tax residency is not always easy and necessitates asking the correct questions to economic, professional, family, social or even nationality criteria.
We know the questions to ask.
Are you considering Portuguese property as your income? Short term tourist rental perhaps? Using Alojamento Local or an alternative leasing strategy for you to substantially reduce your income tax assessment by operating on a commercial basis with many associated benefits. Double Taxation Treaties ensure no further assessment on your short-term rental income in your home jurisdictions as these business profits are taxed solely here in Portugal. Compliance options are surprising favourable and will give you no sleepless nights.
Our experience creates for you the right solution. We also offer a specialised service in retirement plan design, fiduciary guidance, and investment advice. Evaluation of how effective and compliant any existing retirement plan process is or creating a comprehensive and customised retirement plan design for you. Simplifying the complexities of regulatory compliance. We work hard to maintain our unique identity and we work closely with other professionals in law and fiscal services here in Portugal and globally who mirror our respect and ethical standards. We put our clients first.
Have a question? Ask us!
This communication is for informationalpurposesonlyandis notintendedtoconstitute,and shouldnotbeconstruedas, investmentadvice,investment recommendations or investment research. You should seek advice fromaprofessionaladviserbefore embarkingonanyfinancial planningactivity.
This key point largely determines the tax obligations of an individual. The combination of professional opportunities and family imperatives or simply the desire to settle in Portugal while either cutting or maintaining
Rua do Sol Nº4, 8200-448 GUIA (Algarve) / Rua António Mª. Cardoso, 15 - 4o D 1200-026 LISBOA (Chiado) T +351 289 561 333 E info@eurofinesco.com W eurofinesco.com
ByRaoulRuizMartinez–SeniorTaxConsultantatEurofinescoS.a.Meeting global compliance and cross border demands we are at your service with thoughtful solutions to minimise our clients’ tax liabilities.
Whether you are a digital nomad, entrepreneur, a family relocating or easing into retirement, we can help you. The international tax environment is an area of continued scrutiny and focus by tax authorities. This reality means that international clients need to stay updated.
Marrakesh – its very name is bewitching! It conjures images of all things exotic: camels and snake charmers, carpet sellers and traders come from the Sahara – and it does not disappoint. The bustling market trading city is now firmly on the tourist trail, with thousands flocking to the ‘red city’ to visit the maze of souks selling everything from herbal potions and kaftans to Aladdin-type lanterns in the Medina.
With its cool blend of Arabic and French influences, Marrkakech oozes charm. Today’s its many western style restaurants and bars in stylish ‘Riads’ (ex-merchant houses), mean it’s a glamorous sophisticated place to party too so you needn’t’ compromise on creature comforts. And the great news is that it’s surprisingly kid friendly too! While it might not seem like the most obvious of destinations for a family holiday, Morocco is packed with family friendly things to do.
Definitely outside of your usual ‘comfort zone’, the bewitching sights, smells and flavours will have you and the kids fascinated.
There’s nothing like the narrow, chaotic alleyways of the Medina’s souk, bustling with bikes and scooters, mopeds and men, all eager to get somewhere. Yes, it feels a little dangerous on occasions and the crowds mean you need to hold onto younger kids, but the assault on the senses, the colourful, crazy stalls and the very buzz of life is something the kids will remember forever. A real-life Aladdin’s cave of goodies –a treasure trove of slippers, lanterns and toys, all sparkling and shiny. Not to mention the odd chameleon, or feral kitten zigzagging through the lanes. Just keep a firm grip on that little hand! Older kids will also enjoy being given a budget and the friendly haggling that ensues to secure their goodies. Fascinating and mesmerising, you can also book a guide who can make sure you don’t get lost with Epic Morocco. epicmorocco.co.uk
While it might not seem like the most obvious of destinations for a family holiday, Marrakesh is packed with family friendly things to do.
At the heart of Marrakesh, the famous Jamaa el Fna stretches out, packed with human souls and the odd snake. This is where one really gets the sensation of the crossing of ancient trading routes. Some might enjoy a session with a Henna artist, some might prefer a glass of freshly squeezed orange juice or buying some (tacky but colourful) souvenirs. Beware of the photo opportunities with monkeys - not to be recommended, but possibly a useful lesson in how not to treat animals? And, of course, the kids won’t fail to be impressed by the snake charmers, complete with black cobras, baskets and flutes.
A great way to see the city, without tiring out little, or longer, legs. Kids will enjoy the ride on the bright red seats in the apple green horse drawn carriages, rocked by the rhythmic clip clop of hooves. Some of the horses might look a little worse for wear, so pick your ‘caleche’ carefully. They can take you for a spin or act as a taxi taking you from town, for example to the beautiful Jardins Majorelle.
Stop for lunch at La Mamounia, probably one of the smartest addresses in town. Ultra-chic, the Italian restaurant has a greenhouse vibe with a helping of Art Deco. Service is utterly perfect and the food excellent. The trattoria menu from chef Jean-Georges Vongerichten is all about classic Italian cuisine, from wood-fired pizzas to homemade pasta and the tastiest beef carpaccio in town. It’s also possible to visit for afternoon tea, either way, the hotel is legendary and definitely worth a visit for its opulent design and interiors.
What’s more, outside, the kids can explore the walled gardens that stretch over 17 acres (6.9 hectares). Wander down the red gravel alleyways through the pristine gardens amongst the cactus and the exotic flower beds. They will love the amazing variety of exotic plants and the pond with its lily pads where you might get lucky and spot a turtle or two amidst the lilies.
mamounia.com
The exotic flora in Morocco is a sight to behold. Who knew a cactus could provide the kids with such joy? For real beauty, take them to the Jardin de Majorelle, a legendary garden, now one of the most visited places in Morocco thanks to its vibrant blues and instaworthy backdrops. Most famous as the one-time home of Yves Saint Laurent in the 60s, kids will love ambling through the narrow paths, amidst the giant bamboo, spotting frogs, lizards and birds amongst the water features and dense shady vegetation.
Whether you choose to head to the foot of the Atlas Mountains or to the vast palm grove outside town, a trip to get up close to the camels is unavoidable! Climb up onto the gentle giants and go for a wander in the desert landscape or in the fields. The best part? Meeting junior camels and having a cup of mint tea with the locals under the tent while being treated to magic tricks - a sure hit with kids! For teens, day excursions can also be set up heading out on sand buggies. epicmorocco.co.uk
An oasis amidst the chaos, La Sultana is a real gem. Book the Jaguar suite and step into another era, with its dark mahogany ceilings, red brick and mud walls, and marble floors throughout. It’s decadent. The mix of noble woods, stone, wrought iron and brass, even the kids feel its rich history, especially in the peach and white marble bathroom with its painted ceilings, stone columns and giant sunken bubble bathtub. Beautiful details include the pineapple shaped lamps, the bird print adorning the walls in the kids’ rooms, antique desk and plenty of arts and crafts to remind you of where you are. Best of all, double doors give onto a latticework wooden balcony overlooking the Riyadh turquoise swimming pool. It’s so quiet. Unthinkable from the outside.
The huge bed is wonderfully comfortable, and the dark room makes an ideal resting place. There is a mini bar with
complimentary drinks and more seating space outdoors with another terrace overlooking the pool where cool white cactus sculptures sit. It’s a bit of a maze, like the entire riad is. Exploring it is quite the adventure. Rooms after rooms with intricate furniture and chandeliers, each more opulent than the next, with a 1001 nights flavour. The best spot in the house? The rooftop with its hidden corners, bar and mezze restaurant and plunge pool. On the ground floor, the main pool and restaurant await. Breakfast is amazing. Awesome Madeleines, yummy brownies and great croissants and pains au chocolat. For something traditional there are Moroccan dishes like smokey aubergine spread, yoghurt with cucumber and spice as well as European hams and cheeses and fresh eggs from the farm! Not to mention the delicious Moroccan pancakes. Dinner is very chic, with tasty turbot, pigeon pastillas and sophisticated spider crab with avocado stuffing. The staff is just the right blend of polite and friendly, and we know we’ll miss them when we move on!
lasultanahotels.com
For the perfect antidote to the hectic chaos of Marrakesh city centre, head 15 minutes away to the swanky Fairmont resort. The estate is a haven of peace with all the resort features you could dream of, from a gorgeous all white Clarins spa, to the cutest kid’s club, a gym and several pools, as well as a choice of several restaurants.
Breakfast is a highlight. The buffet laid on is beautiful with everything you could dream of from croissants and muffins to cupcakes, cakes and pancakes - there’s also savoury, cheese boards, salmon, salads, eggs to order and plenty of freshly baked breads. A real treat. For dinner we try Al Ain, the Moroccan that serves up delicious roast pumpkin soup and Royal Couscous. It’s the perfect place to watch the sun set and skies turn pink over the Atlas Mountains with live music. The other restaurant La Caravane is all about international dining with great lamb chops, steaks and risottos. Each restaurant comes with the kid’s menu which is helpful too. There is also a Mexican option with fabulous fish tacos so plenty to chop and change!
Book into a villa, for extra space. So much space, it might be larger than your usual home. A large living/dining room open space overlooks the stunning garden with its own plunge pool. Mature gardens with heaps of bougainvillaea, palm trees and olive trees make the place feel extra special. The overall look is 1001 nights exoticism. The pool is surrounded by beautiful lanterns, sleek sunbeds with thick beige towels
With two bedrooms, each with their own flatscreen TV and plush marble bathrooms, not to mention outdoor showers and giant walk-in wardrobes, the villa feels extremely luxurious. I love the bathrooms, with their intricate dark brown mosaic tiles, beautiful marble flagstones and Neroli products, made from rose extracts and orange blossom in keeping with the Moroccan theme. I also love the shaggy Berber carpets with their black criss cross motifs and the fireplace.
The resort is enormous, so part of the daily fun is riding the golf buggies to the restaurants. Another big attraction? The kids club! Without a doubt the swankiest one in Marrakech, this junior playground paradise is a sight to behold. A beautiful space, all mellow blues and creams, the huge space is laid out around a central ‘tree house’. Lucky little guests can join in arts and crafts, painting, reading, building or riding the very friendly looking, life-sized fluffy wooden sheep! They also run cookery classes in its full-blown professional kitchen, all in miniature size where kids can make cakes and cookies and pancakes. They are also good with arts and crafts.
Other ‘local’ excursions include the resort’s own farm where we meet Lola the six-year-old turtle, a handful of chickens, ducks, rabbits, a cow, a puppy, a pony and a couple of donkeys! A bit further afield you can head to get a taste of the desert in Agafay for dune buggy tours and to take it easy, the Clarins Spa is a world of relaxation, while the gym is perfect for a ping pong game or a workout! What more could you ask for? fairmont.com
match the Adobe style walls and there’s plenty of dark latticed woodwork to provide much appreciated shade.
Down the rock. Hop on the cable car and climb up the 426-metre-high rock to get the best views over Gibraltar and catch a glimpse of the rock’s famous monkeys. But don’t get too close or you might get mugged. Especially if you’re carrying Digestive biscuits. Don’t miss the St Michael’s cave for its impressive stalactites and a peek at the WW2 tunnels where the supplies were stashed for the North African campaign. You might even get lucky and spot a submarine being pulled out to sea. True story.
Gibraltar offers a plethora of dining options, from your good old fish and chips chippie to many traditional style pubs and, of course, the staple family favourites like Pizza Express. What else?
The pedestrian zone along Main street is just the spot to pick up a few souvenirs, not to mention a few Brit favourites - from Matalan to Next and, of course, Marks and Spencer. This is the place to load up on shortbread, Percy Pigs and an impressive choice of Lego in the many toy stores. There’s a host of pharmacies selling all kinds of lotions and potions, and a Costa coffee for a break. It’s not exactly hyper cosmopolitan but there’s enough to keep you busy and most of all, it’s very cosy. The M+S bakery makes a great cookie, too.
The kids will love the experience of staying abroad the Sunborn yacht. A repurposed cruise ship, the Sunborn sits pretty in a central location near all the dock’s attractions and a stone’s throw from the shops. Book parking ahead if you want to save yourself a one-way street headache. The Ocean Suite cabins are spacious for four, with fabulous decks and views. The ‘disco’ golden mosaics in the marble bathroom were a hit, as was breakfast, and the front seat views over the runway (much cooler than it sounds!) but you’ll need a PHD to figure out the lights! sunborngibraltar.com
A hop and a skip away, Gibraltar offers a little taste of Britain ‘around the corner’ – a bit of adventure, a little indulgence and a few surprises.© Michal Mrozek on Unsplash.com © Fabian Navarro on Unsplash.com
Finding some peace and nature here isn’t as hard as you’d think, as there are multiple parks and green spaces throughout Bangkok. Our family’s favourite is Rot Fai Park, where we love to rent bicycles and enjoy the shaded walkways, playgrounds and enclosed butterfly garden. Downtown, Lumpini Park and Benjakitti Park are also great respites from the chaos of the city.
Bangkok is very centrally located which means that with just a max two hour drive you can explore national parks, waterfalls, ancient temple ruins or beaches. On long weekends we love to head off on family adventures.
Chatuchak Weekend Market (also known as JJ Market) is the largest weekend market in the world. There is no better place to buy souvenirs, cheap clothing, or savour the wide variety of flavours Thailand is known for. Don’t miss a chance to eat coconut ice cream right out of the shell. So delicious!
Ifirst came to Thailand during a college internship and immediately fell in love with this country and its beautiful culture and gorgeous landscapes. During college I met my now husband and we decided that we would move to Thailand and make it our home. We’ve lived in Chiang Mai, the small town of Sukhothai and now the bustling metropolis of Bangkok. While the busyness can at times be overwhelming, I’ve found a love for this vibrant city. Thailand is an amazing place to raise a family and here in Bangkok there’s never a shortage of places to go and things to do. There are many challenges that come with living cross-culturally, but the experiences I’ve had here and the person they’ve helped shaped me into have been more than worth the trade.
Bangkok is a city of stark contrasts. The modern abuts the traditional, and images of wealth and opulence often share a wall with poverty and squalor. Our family loves to explore both temples and historical areas, as well as the most prominent monuments to modern culture – the massive, sprawling, multi-level malls that dot every section of the city.
Enjoying the sweeping skyline while sharing a meal or drink at one of the many sky bars or rooftop restaurants makes for a memorable date night or evening with friends. My favourite is the King Power Mahanakhon building. The 79-floor lift ride up is an experience in itself and the view that greets you at the top is unbeatable, especially at night. There is also a skywalk where only clear glass separates you from the ground below. It is terrifying and exhilarating all at once!
In this old pension where travellers used to stop over for the night, it’s time to meet the young Portuguese creators. The Gama Rama gallery blurs the boundaries between the arts, honouring talents from illustration, engraving, ceramics and painting. From exhibition space, artist residency, boutique and workshops they curated the best of the local artistic scene.
I discovered Casa Bohemia’s project on Instagram. The creators are based in Sao Bras de Alportel, a village close to Faro. Vegan candles are manufactured by hand using a traditional process of Olaria, a Portuguese pottery factory, with white clay pots and no pesticides. Currently developing a new artisanal and sustainable products line of soaps, solid shampoos and conditioners with locally sourced olive oil.
The food scene in Faro is booming and creative! One of my favourite restaurants is A Venda, found in a small, hidden street! The space itself is cosy, looks like a Portuguese grandmother’s living room and the creative petiscos to share, the Portuguese version of tapas, have an authentic taste with a twist! A plus are the vegan and vegetarian options.
Angie is an ex-Parisian with a passion for modern architecture. Founder of The Modernist Faro boutique hotel. @Mylittlealgarve
Faro is a sleeping beauty! It is the neglected capital of the Algarve and has so much more to offer than just warm weather and beautiful beaches. I love the very authentic vibe of the city with only locals, vibrant restaurants, arts and culture all year long. The access from Faro’s marina to the Ria Formosa islands gives a very exclusive feeling. Coming from Paris with my family, we fell in love with the slow life, easy access to nature and an interesting entrepreneur network. With my husband Chris we launched The Modernist Hotel Faro in 2021, embracing the city’s South Modern Architecture movement led by local architects inspired by Oscar Niemeyer, Le Corbusier and Frank Lloyd Wright. I love to spot hidden gems and share them with my community of friends, expats and locals!
Passionate about architecture, one of my favourite things to do in Faro is to get lost in the Art Deco district. I would always spot an abandoned Art Deco palace that I would love to rescue or notice an interesting detail of a geometric azulejo covering a house’s facade. Such an inspiration!
I am always dazzled by the magical sunsets of Faro. Blue-pink tones reflecting in the Ria Formosa natural park. For a front-line installation, there are many rooftop options like LAB Terrace, Amura, Hotel Eva and Adao where locals and visitors can, with a drink in hand, enjoy the show.
Think cheese and wine but make it premium mozzarella made with buffalo milk from the Campana lowlands and a comprehensive list of cocktails, wines, beers, and Italian liqueurs - and you will get O Bica - a toast to the true dolce vita. Located in Principe Real, O Bica is a trendy bar and restaurant, best enjoyed with friends over a tasting board to take you on a journey through the highest quality Italian cuisine. linktr.ee/Obica.pt
The first thing to capture your attention when entering Jac, the trendy new brunch spot in Bairro Alto, is ‘A Grande Imagem’ a beautiful piece of art occupying one entire wall of the cafe that sets the tone to enjoy a slow, delicious breakfast surrounded by beauty. Followed by a shop from a range of carefully curated, premium, local brands on display in the restaurant/shop @jac.brunch
In the heart of Lisbon, in a corner full of life and personality, you will find Numa, a space that has been designed with monochromatic geometries and neutral stone textures to create a tranquil environment. Delicious speciality coffee and a mostly plant-based menu. @numacafe.lisboa
For a beautiful escape from the rush of the city enter the magic of Immerso. It’s a short drive out of Lisbon to experience a peaceful, stylish refuge with no shortage of sunset views. Go for a cocktail at sunset with a never-ending view over the ocean, dinner at Emme, the Michelin star restaurant. Here, the Atlantic-based cuisine is paired with delicious wine from the region, or stay for the whole experience, a five star hotel escape that captures the natural beauty of its surroundings. Luxuriously comfortable beds, gorgeous, earthy tones in the rooms, and, of course, more ocean views to leave you feeling refreshed, inspired and in harmony with nature. immerso.pt
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* This campaign is valid from December 1st to December 31st, except finewines, and cannot be combined with other campaigns. If the wine you choose is not available for delivery, we will contact you to suggest an alternative or refund your money.
Inspired by Japanese street food, Izakaya is a real gem in Cascais opened in Summer 2022. A ‘hole in the wall’ type place, it’s a cosy, simple yet funky restaurant with counter service only.
With a great vibe, the staff is super friendly and attentive and, even better, on the ball. Decor has an industrial undertone, with concrete floors, bottle green tile walls, and the Izakayabranded neon, sitting perfectly alongside a rainbow of mini-polaroids of guests gone by.
The music is just the right kind of loud, and the right era for me - a bit of Prince is always welcome. Chef Tiago Penão runs a tight ship, and the hum of the kitchen is rhythmed by regular bursts of ‘Sim, chef’ chorus from the staff. They are all busy creating an array of tempting dishes in their objectively tiny kitchen, under our watchful eyes. It’s a fascinating show.
What I love about this place is that it has no airs and graces, it’s simple and cool, yet each dish is an adventure for the palate. I can’t help but peer at everyone else’s orders, curious as to what they have picked, off a menu which left me clueless. Intrigued, and a little jealous, I wish I had space for more, but the good news is that there will be more to discover next time we come. Sometimes a place is about the view, sometimes about the crowd, but this time, it’s all about the food - and that’s the best kind. As it should be.
Follow Izakay @Izakaya.cascais
Rua do Poço Novo – 180, 2750-465 Cascais Average price €35 Menu Omakase €65
Authentic Japanese, Izakaya is not your average sushi joint. Indeed, no sushi to be seen today. We let Tiago take charge and send over his choice of plates. A great idea. Each is as good as the next, each a surprise, each an experience. It’s an education for the whole family and we leave feeling richer for it.
The chargrilled Edamame beans are a revelation - possibly the best I’ve ever tastedthe smoky flavour with heaps of salt is a delight - even the seven-year-old who won’t usually touch green things can’t get enough of them. So very moorish.
The good news is that the dish size makes it a tapas-type experience, ideal to share and to taste all sorts. Favourites include the grilled and steamed aubergine, with the softest flesh, seasoned in such a magical way it’s almost sweet. We even detect a hint of passion fruit there, which sounds odd, but is incredibly delicious. The pork with eggs and breadcrumbs is another treat, moist, rich and savoury on rice. The oxtail gyoza are dense, savoury and tasty. The sweet, sticky Japanese style chicken wings are a hit. With a mouth watering glaze, and sesame seeds, they are literally finger licking good - and there’s a bit of a fight over the last one. As for fish, there’s a fresh sardine infused with miso and other magic, and grilled squid doused in a butter and chive sauce that is so tender, it’s almost creamy. Deliciously rich and gratifying.
Tapas bar and restaurant. A Mediterranean restaurant in the heart of the historic centre of Loulé, 11 da Villa is an excellent place to have dinner with friends and family. A selection of tapas with quality products, craft beer and a wide range of wines.
T +351 915744972
W loulelocal.pt/11-da-Villa I @11davilla
Specialty Coffee cafe/shop in Mercado de Loulé and an own coffee roastery. Homemade food like Dutch apple pie and more brunch options, also glutenfree/vegan. Local products like Portuguese olive oil, Flor de Sal, ceramic. Closed Sun- and Monday.
T +351 935795858 E ilona@bean17.com FB facebook.com/bean17coffee I @bean17coffeeandmore
All day breakfast, brunch, lunch, with many vegetarian & vegan options. Smoothies, Illy coffee, homemade desserts. Shop quality Portuguese wines, salts, soaps, design ceramics and much more. 2min walk from the Carvoeiro cliff boardwalk Kitchen open. 8:30 am.4:45p.m.Closed Tuesdays.
T +351 282 071766 W facebook.com/earth.shop.cafe
Adão is a glamorous Poké Bar, where you can find fresh fish and the best ingredients of the Algarve. With an esplanade right on top of the Marina, the view and the atmosphere will please anyone who goes there.
Av. daRepública 1, Faro
T +351 968 557 788
E info@adaobar.pt
FB @adao.bar.faro I @Adão_bar
Holder of a Michelin star, Chef Leonel Pereira, opened the doors of the CHECK-In Faro by Leonel Pereira, with a menu that is also a journey through the chef’s career. Av. da República 40, Faro T +351 968070776/ +351 289 824 178 E checkin.faro@gmail.com W checkinfaro.pt
FB @restaurantcheckin
Eva Market Steakhouse is the restaurant that brings the best cuts of meat to town. With a cosy and relaxed atmosphere, it offers an exclusive gastronomic experience to its clients.
Av. da República 1, Faro T 925 788 880 E info@giao-giao.com W evarestaurant.pt FB @evamarket.faro I @evamarket.faro
An independent Specialty Coffee roastery and Brunch Restaurant. Enjoy brunch in our exotic garden or freshly roasted coffee To Go. Open – Tuesday-Sunday (09h00-18h00), all year round.
Beco do Sol, St.Eulalia, Albufeira, 8200-269
T +351 964359223
E info@al-gharb.coffee
W al-gharb.coffee
FB @algharbcoffeeroasters
A relaxed, contemporary and timeless restaurant with exquisite food and service set in the historical centre of Loule with great views over the rooftops and the castle walls. Open Tuesday to Saturday 7pm to 1030pm.
Rua das Bicas Velhas, Loulé, Algarve T +351 289 043 931 W cafezique.pt I @cafeziquept
You can enjoy the Izzy’s experience at lunch, dinner or just for a cocktail in our beach lounge. Live music is played on Saturday and Sunday afternoon, making it a magical place to relax at the weekend. Large parties welcome.
T +351 289 396 984 E izzy.rest@gmail.com I @izzysbeachbar
Alxama is the best meat restaurant in Algarve, and we only grill our meat with natural wood.
R. Duas Sentinelas 64, 8125-018 Quarteira
T +351 289 041 389
W alxama.com I geral@alxama.com
Located in front of the Marina of Faro, in a noble building that reveals the history of the capital of the Algarve, Columbus Bar is a reference bar in the region.
Praça Dom Francisco Gomes, Faro T +351 969 286 222 W barcolumbus.pt FB @BarColumbusFARO I @columbus.faro
Hannah, welcoming and friendly, serving an extensive breakfast and lunch menu. Local, fresh seasonal produce, vegan/ vegetarian options, home cooked creative, varied. Beautiful garden/ spacious terrace
Largo do Mercado, Almancil
T +351 289 397 339
E hannahvanbanana@hotmail.com
FB @hannahsplacealmancil
Whether you’re looking for a cosy coffee shop, a great meal out or a pet hotel –find all your expat friendly businesses here!
The renovated and iconic Harune Restaurant has recently reopened and promises to exceed all the expectations, with high gastronomic experience!
Av. da República, 1 80000-078 Faro Algarve, Portugal
T +351 289 001 000
W ap-hotelsresorts.com FB @hoteleva.ap I @ap.evasenses
Quinta dos Santos is a family owned and operated wine farm, craft brewery and restaurant.
A PLACE TO INDULGE YOUR SENSES!
Tuesday to Saturday 1pm - 10pm Sunday, 1pm - 4pm T +351 282 343 264
E reservations@quintadossantos.com
The Rooftop Nomad Restaurant & Bar is the ideal place to enjoy hot summer nights with refreshing drinks and fine dining prepared by Chef Milene Nobre.
Rua António Pinheiro, 17 8800-323 Tavira T +351 281 001 200
W ap-hotelsresorts.com FB @nomadbar.ap I @rooftop.nomad
The Ria Formosa Restaurant, at the rooftop of Hotel Faro, in the heart of Faro, has amazing views to the natural park of Ria Formosa.
Liliana and Stéphane run a traditional French pâtisserie in the heart of Loulé where everything is homemade. In a beautiful space, their clients are welcome to enjoy the quiet terrace and delicious cakes.
T +351 962535826
E lateliergourmetloule@gmail.com
I @latelier_gourmet_loule
A very popular and busy restaurant with magnificent 180º ocean views serving Portuguese/International food. Live Music/DJ. Booking always advised. Please see our Instagram.
T +351 289 358675
E team@mariasbeachalgarve.com W www.mariasbeachalgarve.com I @marias_algarve
Praça D. Francisco Gomes, nº2, Faro T +351 289830830 E rp@hotelfaro.pt W hotelfaro.pt
The Fish & Seafood Beach Restaurant located in Praça Vale do Lobo. Open daily, from 9h30 til 23h, serving breakfast, lunch & dinner, with a fantastic ocean view.
Praça Vale do Lobo, Vale do Lobo, Almancil T +351 289398429
E info@sandbanksvaledolobo.com W sandbanksvaledolobo.com FB @sandbanksvdl
At Oliwander’s fill the belly with comfy food, spend time with magic & contribute to home - earth. Upcycled alternative restaurant, gastrobar & rooftop in Loulé. Open Thu - Tue 18h - 24h.
Rua Primeiro de Dezembro 38, 8100-615 T +351935321919
E oliwandersrestaurant@gmail.com
FB/I @oliwandersrestaurant
The Rooftop AP Cabanas Poolbar & Lounge presents itself with a snack & tapas concept. With themed sunsets, dance to the beat of the DJ; a live band and even a solo saxophonist! We have it all!
Rua Tuberária Major, Tavira T +351 289 540 146 W ap-hotelsresorts.com FB @ap.cabanas I @ap.cabanas
With the magnificent Falésia Beach in the background, our restaurant is distinguished by its exotic Thai cuisine and family atmosphere especially at the weekend, for the mythical Sunday afternoons, where the music, champagne and good spirits pour out to the full.
Av. Rocha Baixinha, Quarteira T +351 289322471 W thaibeachclub.com I m.me/thaibeachclubvilamoura
hello@wherevermags.com
Hotel Eva’s Rooftop is one of the most central places in Faro for a good party. Contemporary and relaxed atmosphere, magnificent pool on the terrace, with panoramic views overlooking the Ria Formosa.
Av. da República 1, Faro T +351 924 372 837 E info@giao-giao.com FB @RooftopEva I @rooftop_eva
The Cheeky Pup is a cosy Irish gastropub in Quinta do Lago owned and operated by a young and passionate team. We offer delicious food all day. Open daily 12-2am.
Estr. da Quinta do Lago, 8135-162 Almancil T +351 289 358 205
E reservations@thecheekypup.com I @thecheekypup
Tribulum - it’s a great place to be! For the warmest welcome in the Algarve, come and meet our team in Almancil. With a creative menu, eclectic wines, inventive cocktails, live music, and special events, there is always something new to discover.
T +351 289 397 784
E info@tribulumalgarve.com W tribulumalgarve.com
I @tribulumalgarve
Located in the heart of Vale do Lobo, U&Co serves delicious Mediterranean meals, alongside the best international wines, and the most breath-taking sea views. Visit us!
Avenida do Mar, 23, 8135-864 Vale do Lobo
T +351 289 353 440
E info@uandco.pt W uandco.pt
At BGA we offer an alternative, highly personalised and flexible educational model. We promote lifelong learning and help guide learners towards their passion.
Av. 25 de Abril 901, 2750-642 Cascais T +351 913 578 362
E contact@bravegeneration academy.com W bravegenerationacademy.com
Carvoeiro Clube de Tenis is more than a Tennis Club. With 8 Hard courts, 4 Padel Courts, fitness classes, fully equipped Gym and pool and 2 trampolines for the little ones... something for everyone.
T +351 282 358 236
E Geral@tenniscarvoeiro.com W carvoeirovillas.com/en/carvoeiroclube-sports/carvoeiro-clube-de-tenis
Run by a French couple, this cosy cafe in the heart of Vila Sol offers delightful daily dishes and pastries. The ideal spot for a quick quiche lunch, dish of the day or a cheeky chocolate eclair! Open daily 9-5pm.
Vila Sol Shopping Center, 8125-307 Quarteira
T +351 960 152 719
W vila-sol-caffe.business.site
Founded in 1972, Nobel Algarve Lagoa is southern Portugal’s premier international school, catering for students ages 3-18, in preschool, national and international education sections.
T (+351) 282 342 547
E admissions@nobelalgarve.com W nobelalgarve.com
Inaugurated in 2020, Nobel Algarve Almancil is a purpose-built, state-of-the-art campus. Students follow a contextualised English National Curriculum from Reception through to Year 9.
T (+351) 289 246 303
E almancil@nobelalgarve.com W nobelalgarve.com
The Lagos Tennis Club and Padel is open to the general public. It has 5 tennis courts and 6 padel courts as well as a cafeteria with terraces, a lounge and a specialised shop.
Rua General Humberto Delgado, Lagos T +351 282 013 144 / +351 936 568 858 E tenislagos@gmail.com F facebook.com/ctplagos
Algarve candles are hand poured with a blend of natural soy way and natural fragrance oils. We use a natural wooden wick and they are all vegan friend and paraffin and phthalate free.
E info@algarvecandlecompany.com W algarvecandlecompany.com I @algarve_candle_co
Tennis, Padel, Pickleball, Fitness, holistic classes, FootGolf and RacketGolf. Junior tennis for all levels, cardio tennis, padel group lessons. Come and join the fun! Our restaurant serves fresh homemade dishes and healthy drinks.
Overlooking Atlantic Restaurant & Beach Club. The best sushi and wagyu to enjoy with champagne and cocktails. Panoramic terrace & pool make Well the top choice over luxury venues in the Algarve.
Praça de Vale do Lobo, Almancil
T +351 927 468 881/ +351 924 276 305
E reservas.wellvaledolobo@gmail.com
FB @Wellvaledolobo I @well.valedolobo
Estrada de Vale do Lobo, Almancil T +351 289 385 028
E sports@algarvetennisandfitness.com W algarvetennisandfitness.com FB @algarvetennisandfitnessclub I @atf_club
WOOFF (Worn Only Once Fashion & Furniture) - High quality 2nd hand charity shop with all profits going to ANIMAL RESCUE ALGARVE.
Almancil Shop (next to Lazer Telecom) and Loulé Shop (opposite Lidl)
T +351 289 356 355 | +351 289 416 061/ +351 917558121
E info@wooffcharityshop.com
FB @wooffcharity
Zimzala is a Café, Surf Academy & Shop where you can find food, drinks and all the surf gear that you need.
Edificio vila gale praia, loja 2, 8200-416 Albufeira
T +351 963 139 713
W zimzala.pt
I @zimzala.surf.culture
THE FIT LIFE is the ultimate indoor outdoor training studio. Located just above Vale do Lobo in Almancil, we offer everything from personal training and nutrition services to specialty group classes and wellness workshops.
T +351 910741110
E thefitlifealgarve@gmail.com
Urban, modern, trendy but yet a Hair Salon where you will feel like home.
Lovely atmosphere and highly qualified staff, our main goal is to deliver you the best result.
Travessa Amorim Benevides 9B, Urbanização Hortas de Santo António, Loulé T +351 939168556
E andreph.hairstylist@gmail.com W andre-philippe-hairstylist.negocio.site
In Lisbon E Di@wherevermags.com T +351 910 200 272
In Algarve E laura@wherevermags.com T +351 912 769 614
Erika is an internationally qualified aesthetician, massage & holistic therapist with 19 years experience. She offers 8 different types of massage, as well as 10 different facials in the comfort of your own home in Loule + Sao Bras councils.
T +351 910 024 600
FB @comfortzoneconcepts
I @comfortzoneconcept
The Beauty Lounge in Almancil provides caci synergy, non surgical face lift, Dermalogica facials and products, nails, waxing , medical pedicure, lashes and spray tanning.
Rua Cristóvão Pires norte Figueiral park, Almancil
T 917 548 665
I @thebeautyloungept
Victor Picardo is a brand recognised for the quality of personalised service and excellence in customer service. It currently has 5 hairdressing salons located in the Algarve.
T Carvoeiro +351 282 356 894
T Lagoa +351 282 343 358
T Lagos +351 282 768 523
T Portimão +351 282 418 109
T Vale do Lobo +351 289 353 439
Private hairstylist works with the exclusive Balmain Paris Hair Couture products.
By appointment only.
Estrada Vale de Lobo 947A, 8135-016 Almancil, Portugal
T +351 914 452 315
E JIMHAIRARTISTS@GMAIL.COM
With both international and residential clients frequenting the salon, it has become one of best known in Portugal for its quality and uncompromising standards. A team of carefully chosen professionals will welcome you and ensure that you leave the salon feeling truly wonderful!
Av. da Gondra 23, Almancil T +315 289 356 370
E ps@philippe-stabile.com W philippe stabile I @philippe.stabile
s
With extensive experience and high specialisation in Aesthetics and AntiAging, Mara provide the most diverse treatments, always betting on an integrated diagnosis with the most effective and innovative solutions on the market.
Estrada de Quarteira, Edifício Mouravila, Lote 2, Loja A, Zona 5D, 8125-432
Vilamoura
T +351 912 823 264
E clinic@maraherequechand.com
W maraherequechand.com
I @maraherequechandclinic
Born out of love for the sun, water and light, SAL has been lovingly designed to cater all aspects of well-being. Centred round a temperature controlled salt water pool, we offer treatments, classes and spa circuits.
Rua Direita 44 - Palm Bay, Praia da Luz, Algarve T +351 964 134 759
E zoe@salspaluz.com W salspaluz.com I @salspaluz
A beautiful, professional and sophisticated salon, where people come to be pampered by Alice, Donald and Chevy, who are friendly and happy and they will always do their utmost to make you feel and look incredible.
Av, 5 de Outubro 103, Almancil T +351 289395413 / +315 914132339 W ultimatelook-almancil.com E ultimatelookhairdesign@gmail.com
We pride ourselves in meeting and often exceeding expectations. In a world where mediocre is OK, we need to take our benchmark from companies beyond our shores where capability and deadlines are taken seriously.
Casa Marum, Rua vale Formoso, 883, Almancil T +351 911179474
E dean@theworkseurope.com W theworkseurope.com
Modern, stylish, client orientated. Striving to bring the latest catwalk trends to you. In the relaxed, friendly yet professional atmosphere, you will be given a thorough consultation so that the service you receive will suit your face and body shape, skin tone, personality, professional and private lifestyle.
T Faro +351 289828013 /
T Albufeira +351 289109486 W bhairdesign.pt
Monte Rei is one of the most exclusive developments of its kind – featuring a unique championship Jack Nicklaus Signature Golf Course, a Michelin star restaurant – Vistas Rui Silvestre, luxury accommodation and real estate options that suits investors and private owners alike.
Sítio do pocinho, Sesmarias, Vila Nova de Cacela
T +351 281 950 950
E info@monterei.com W monterei.com I @montereiresort
A beautiful 9-hole course, overlooking the Atlantic Ocean, close to the village of Carvoeiro, in the Algarve it’s the ideal Family Golf course.
T +351 282 358 502
W valedemilhogolf.com
All about property…
We Sell, Rent & Manage
We Design, Renovate & Build With offices in Almancil Algarve.
T +351 915322656 E info@golfleisurevillas.com W golfleisurestore.com
Being part of a junior golf academy you benefit from many life skills, from learning about time management, to building friendships and improving on your listening skills - not to mention the golf !
T +351 911 932 311 W vilasoljuniorgolf.com/
We specialise in quality holiday villas and apartments, providing a personal service to people wishing to rent and offering a property management service to homeowners.
Calçada Marquês Abrantes 67 A
T +44 (0) 208 1248400 / +351 935614473 W rentvillasalgarve.co.uk
Fabulous all-day venue that offers active fun and entertainment for the whole family, including a Kids Club, Mini Golf, Robokeeper, Playground and much more. Don’t miss out!
Avenida do Mar, 23, 8135-864
Vale do Lobo, Algarve
T +351 289 354 095
E info@partee.pt W partee.pt I @parteepark
Helping you with those administrative jobs that you don’t have time for. Specialising in email, bookings, diary and social media management.
E virtuallylaurabegg@gmail.com T +447582 275 437 I @virtuallylaurabegg
BUYING, SELLING or RENTING a property? Sales commission from 3% Advertising on over 200 real estate portals. Professional PHOTOGRAPHY & HOME STAGING. Comprehensive VALUATION incl. sold prices in your area.
T +351 939 091 652 E miriam.naidu@iadportugal.pt
Set within 360 acres of natural beauty, the original home of golf in the Algarve has three golf courses - including the Algarve’s first 18 hole Championship course.
T +351 282 420 200
W penina.com
One of the most prestigious and successful premier golf and leisure resorts in Europe, with 27-holes. The original 18 holes were designed by Ronald Fream while the additional 9 holes were created by George Santana da Silva in 2007.
W pinheirosaltos.com
With over 30 years experience, Alquatro offers a wide range of interior design services, adjustable to your needs and taste and to the available budget.
Alquatro Interior Design Studio and Shop. Av 5 Outubro 302, Almancil T +351 289 395 732 E alquatro@ alquatro.pt W alquatro.pt
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The 18 hole course set in the Quinta do Lago estate, winds its way gently over undulating pine woodland, bordering the Ria Formosa. Designed by Joseph Lee, its beautiful Bermuda grass fairways provides perfect playing conditions.
W Sanlorenzogolfcourse.com
Looking for a BBQ? Choose from our wide selection of barbecues in Algarve! We help you find the perfect grill for your garden, terrace or rooftop. As your outdoor living specialists, we will make sure you get the grill that best suits your requirements.
T +351 289 356 233 E info@bbqs-algarve.com
Merrylegs pet hotel is a purpose built, fully licensed, top quality pet hotel with the highest standard of care possible. Other services offered include training, collection and delivery. Open 9am – Noon and 3.30pm-5.30pm.
Sitio Estacao, Loulé, Portugal T +351 927296332 W wwmerrylegspethotel.com
As one of the Algarve’s leading independent insurance agencies, we aim to provide the best possible cover at the most competitive prices. No matter how diverse or complicated your requirements may be, we’ll find the best suited insurance solution for you. Our motto is, “If we can’t insure you, no one can!”
Avenida 5 Outubro 181, 8135-102
Almancil, Portugal
Open Monday to Friday: 9h30 - 13h / 14h30 – 17h
T +351 289 395 662 E info@jimplayer.pt
