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OLHÃO · SÃO BRÁS · TAVIRA · ALCOUTIM · CASTRO MARIM · VILA REAL DE SANTO ANTÓNIO ISSUE NO. 110 FEBRUARY 2018
How much tax can you save living in Portugal? Portugal is a very tax-efficient place to live in – more so than many other European countries – if you have an in-depth understanding of the tax regime. There are many tax benefits even if you cannot benefit from nonhabitual resident status.
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I NT ER NAT IONA L TA X A DV ICE • I N V E STM ENTS • E STAT E PL A N NI NG • PENSIONS Blevins Franks Financial Management Limited (BFFM) is authorised and regulated by the Financial Conduct Authority in the UK, reference number 179731. Where advice is provided outside the UK, via the Insurance Mediation Directive from Malta, the regulatory system differs in some respects from that of the UK. Blevins Franks Trustees Limited is authorised and regulated by the Malta Financial Services Authority for the administration of trusts and companies. Blevins Franks Tax Limited provides taxation advice; its advisers are fully qualified tax specialists. This promotion has been approved and issued by BFFM.
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BERLIN’S FASHION WEEK
PRESENTING WINTER COLLECTION 18.19 AT KRAFTWERK WINTER 17.18 NOW ON SALE _UP TO 70%_TRU FEB
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PUBLISHER & DESIGNER Richard Bassett EDITOR Richard Bassett EDITORIAL CO-ORDINATORS Richard Bassett Snr. ADVERTISING Call 961 700 200 or email info@eastalgarvemag.com DISTRIBUTION 3,500 copies printed. All advertisers are issued copies for distribution, along with retail outlets. COVER PHOTO Richard Bassett. All rights reserved. Except for normal review purposes, no part of this magazine may be reproduced without the written permission of the publisher. Every care has been taken in the preparation of this magazine, but the contents are only meant as a guide to readers. The proprietors of this magazine are publishers not agents or sub agents of those who advertise therein. The publisher cannot be held liable for any loss suffered as a result of information gained from this publication
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Welcome...
With the delicate Almond Blossom already arriving we welcome you to your February issue. Monte Rei continues with construction and gives us an inside look at the impressive “Club House Residences” which will adorn the hillside next to the clubhouse. We introduce Sushi d’Art, the very latest in super fine dining in Tavira and we also feature Laser Art who can provide all your laser cutting and etching requirements and more. Many congratulations to Tavira Golf who proudly presented their charities with cheques having once again raised an incredible 6,000 Euros throughout the year. As always we have all our regular interesting features and don’t forget to send us your comments and suggestions, we always look forward to hearing from you. Have a great month!
Richard Bassett Editor
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Contents 6 8 10 14 16 20 23 26 32
NEWS Local news. HEALTH Magnesium and your health.
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PLACES Sushi D'Arte, Tavira.
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CHARITY Tavira Golf club donates. PLACES Laser Art. PROPERTY Monte Rei's Club House Residences. PROPERTY A rising tide lifts all boats. PROPERTY Property of the month. TAVIRA Look out for our advertisers on the map of Tavira. GARDENING Growing Grape Vines.
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FINANCE Finance news from Blevins Franks.
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FINANCE Finance news from Ricardo Chaves.
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FAMILY FINANCE Be prepared. FINANCE Financial advice from deVere. SPORT The latest from Chris Wright. GOLF Pro tip from Brad! CLASSIFIEDS Grab a local bargain.
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News
Portuguese paid out €42 billion in taxes last year
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he Algarve has been chosen by the International Yacht Training course provider for a training centre between Faro and Olhão. The provider aims to offer sailing and motor yacht courses that are approved by the Maritime Coastguard Agency UK to the RYA International Certificate of Competence level that allows sailors to navigate in any ocean. This initiative is a partnership between the Algarve Cruising Centre in Olhão and the Association for the Study and Conservation of Oceans, and has Ricardo Barradas as the manager – a regular trainer at the Clube Internacional da Marina de Vilamoura. According to Barradas, this new school and training centre could increase the Algarve’s international appeal, putting the region on
the map as one of the main destinations for advanced nautical training. Barradas said this agreement represents a qualitative leap in the training that is given in Portugal, since the focus on the practical component presents an alternative, but above all, a complement to the training that is already given in the country." There is a plan to expand this type of training through partnerships with other entities, such as the University of the Algarve and other relevant bodies in the region, says Ricardo Barradas. "The Algarve region has significant potential for nautical activities and there are many products yet to be explored such as advanced courses and even scientific tourism, but we need to innovate and invest," added Barradas.
HAIR STUDIO
The
Source: www.algarvedailynews.com
Algarve chosen for new International Yacht Training centre
rom a country of only 10.5 million people, Portugal’s government managed to extract more than €42 billion in taxes last year, nearly €2 billion more than in 2016. According to figures published by the Directorate General of the Budget (DGO), direct taxes such as income tax and the tax on company profits, totalled €18.33 billion, up half a billion on 2016. The directorate, led by Manuela Proença, reported that the increase in direct taxes is mainly due to more companies paying more tax, just as well as the income tax take was unchanged at €12.2 billion. The council tax ‘additional contribution’ raised an extra €129 million in its first year but the reticence of the energy sector to pay their ‘extraordinary contribution’ taxes and a lower contribution from the banking sector had to be made up from somewhere. The answer has been indirect taxes where the State raised 23.85 billion, €1.35 billion more than in 2016. This 6% increase was explained by the increase in VAT revenue to 15.97 billion (€894 million more than in 2016). Tax on booze and the new ‘sugar tax’ on sweetened drinks grew 44.2% but Portugal’s smokers were a big disappointment with tax revenue down €70 million. No worries for the Finance Minister as the money kept rolling in from taxes on fuel, €3.36 billion and tax on new vehicle sales.
HAIR STUDIO ● CREATIVE HAIR LADIES & GENTS
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NOTICEBOARD
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NER Music for parties, ba rs and res taurants , Email Richybasse tt@hotmail .co m, www.richyb assett.co m
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ENGLISH MOBILE MECHANIC Call Paul on 00351 914 417 580
ENGLISH EUCHARIST As and from October 1st Mass will be in English at 12.15 pm at The Parish of Santa Maria in Tavira and every Sunday
TAVIRA AIR CONDITIONING SERVICES
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Health
Magnesium & your Health
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Duarte Arrais, Fisioclube, Fuzeta
agnesium is essential for the proper functioning of the body because all organs of the body need mineral, especially the heart, kidneys and muscles, and much of the magnesium we consume is stored in the bones. Hence the importance of this mineral to make the bones strong and resistant. As only 1% of our body's magnesium is in the blood, a blood test is not enough to diagnose the deficiency of the mineral. So it is quite possible that your body may be deficient in magnesium and you may not know it, which is why magnesium deficiency has been dubbed "invisible deficiency." The main way to assimilate magnesium is by feeding. Probably 80% of our population is not getting enough magnesium and may be deficient in magnesium. The daily amount of magnesium recommended for women is 310-320 milligrams and for men it is 400420 milligrams. But there are those who advocate, a dose a little higher than the recommended standard, to strengthen and help the body function properly. The main symptoms of magnesium deficiency are: loss of appetite, constipation, headache, dizziness and dizziness, nausea, weakness and constant tiredness, chest pressure and difficulty swallowing, feeling "knotty" in the throat, tremors, insomnia. If the deficiency is severe, symptoms will also be more severe: frequent cramps, photophobia (light sensitivity), blurred vision, swelling and tingling in the extremities, convulsions, mood swings, hallucinations and delirium, abnormal
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heart rhythm, cartilage degeneration. A good way to know if you are taking in enough magnesium is the "bowel test": you know when you have too much magnesium when the stools become "loose," soft. Constipation can therefore be one of many ways of manifesting magnesium deficiency. For a long time, it was believed that magnesium was only needed for the heart and bones. Today, however, it is already known that this concept is wrong. Magnesium participates in about 350 enzymatic reactions required for life! Unfortunately, his power has been underestimated over time. Just to have an idea of the importance of magnesium, it is now known that it is useful for: detoxifying the body and avoiding damages caused by environmental pollution, harmful chemicals and heavy metals; Leave muscles and nerves ready; Improve the quality of sleep and rest; activating adenosine triphosphate (ATP), which supplies energy to the body; relieve general ailments, especially those of the joints, facilitate digestion of proteins, carbohydrates and fats, give strength and flexibility to muscles, help balance nerves, prevent prostate problems, prevent diabetes: studies have shown that a higher dose of Magnesium significantly reduced the risk of developing type 2 diabetes and also decreased progression in pre-diabetic patients; decrease the risk of fractures; reduce the risk of cancer, especially colon and rectum; alkalize the body; reduce convulsions. Ways to increase magnesium levels: a good way to increase magnesium in the body is to consume green foods. Opt for organic foods because fertilizers and herbicides prevent the
absorption of magnesium. In addition, always consume a good amount of raw foods, because when they are highly processed or cooked, the magnesium decreases. Vitamin D facilitates the absorption of magnesium in the body. Avoid alcoholic beverages, because alcohol impairs the absorption of vitamin D and, consequently, of magnesium. Excessive sugar consumption also negatively interferes with the absorption of magnesium. The same goes for caffeine. Discover some natural sources of magnesium: seaweed, fish, green leafy foods, banana, apricot, peach and plum fruits, pure cocoa and dark chocolate, grains and seeds such as pumpkin, sesame, sunflower, lentil and pea, cereals Such as oats and brown rice, walnuts, almonds and hazelnuts, wheat germ, avocado, potatoes, pumpkin, brewer's yeast. Even while consuming these foods, we still run the risk of being short of magnesium. So, how to solve magnesium deficiency? Through supplements, properly advised, since balancing the levels of this mineral in the body is not easy. Magnesium works in conjunction with calcium, vitamin D and vitamin K2. If too much calcium and little magnesium are consumed, for example, a serious heart problem can develop. The secret is in the correct intake of each substance, and there is mutual support by which they balance and function properly. The best magnesium supplements, ie those with the best absorption, are magnesium glycerophosphate. Visit Fisioclube Holistic Therapy Center, where we can improve your quality of life and well-being.
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Art For Everyone Find us in front of Hotel Vila Gale Tavira. Rua 4 de Outubro, 24, Tavira
Telephone 96 201 2111 www.taviradartes.com taviradartes@gmail.com
Fisioclube FUZETA
HOLISTIC THERAPY › Osteopathy › Physiotherapy › Global Postural Re-education (RPG) › Nutritional Therapy › Iris Diagnosis › MicroKenesitherapie › Neuromuscular Balance › Auricular Therapy › Neural Therapy › Therapy Taping › Cupping Therapy › Quantum Therapy › Flexion-distraction system › Neural Biopunture
Tel 962 777 701
email duarte@fisioclube.net www.fisioclube.net
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Ruy Barros Hairstyling & Beauty Salon Ladies & Gents Welcome to our new space in the centre of Tavira! With a professional and friendly service. Cut, colouring, perming, hair extensions, hairstyling, hair treatments, massages, face/body treatments, make up artist, epilation, laser, lash extensions, gel nails, nail art, gel polish and much more. MON - SAT 09.00H - 19.00H All year Travessa Zacarias Guerreiro No16, Tavira Tel +351 281 023 636 Mob +351 964 888 810 or 913 999 906 Email: rbcabeleireiros@gmail.com Rui Barros Cabeleireiros e Estetica
We are hiring!! Contact us to join our team..
Spa Taster Full body Massage & 50 mins Facial only €40 (saving €46)
PAMPER YOURSELF, YOU DESERVE IT... Situated down the avenue from Tavira train station in the square. I look forward to seeing you...
Tel; 919 630 255 elle_dayspa@hotmail.com 9
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Sushi D'ARTE Meet the friends who have opened Tavira's brand new Sushi restaurant, located right in the center of the City
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riends and now business partners; Wilson from Santa Catarina and Ricardo from Alcoutim, first met while working at Praia Verde beach restaurant 'Well'. Wilson had been a waiter there and was asked to help the Sushi chef while they recruited. It was during this time that he learned to prepare Sushi from one of the best Sushi Chef's in the Algarve. Ricardo joined the team and as no.2 chef Wilson returned to serving. The two became friends, both respecting the way the other worked. It wasn't long before an opportunity came up that was too good to miss. The premises that is now 'Sushi d'Arte' became vacant. Located on one of the main streets in Tavira, the pair knew that this was a chance they had to take. They opened their restaurant on 22nd November 2017. A modern restaurant, bright and friendly with
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People
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Places a terrace out front where you can 'people watch' and enjoy the best Traditional sushiand Fusion sushi available. We were lucky enough to taste the food in the photographs and let me say it is simply delicous, and yes, it tastes as good as it looks! Sushi D'arte offer a Take away service, Home deliveries and also 'Sushi man at home' where they come to your house and prepare Sushi for you! Ideal for dinner parties and special occasions. Wilson and Ricardo insist all products used are authentic Japanese ingredients which will guarantee the best flavours every time. They are always looking for new ideas and plan to continually evolve the menu and the space. We think it's a great addition to Tavira and our new favourite place to go. We wish the boys the best of luck in the future. Pop in and say hello, you never know, we may see you there! Address: Rua da Liberdade n.ยบ 37 8800-399 Tavira Telephone: 00351 281 326 011 Facebook: SushiD'Art
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Interiors
2017 Tavira Golf It's the time of the year when Tavira Golf Club count up the pennies they've collected over the year and donate 6,000 Euros to local Charities.
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e were delighted to be invited along to the annual presentation lunch for the Golfe Clube de Tavira at Benamor Golf. This not only included a fantastic lunch, prizes for the winners of the 2017 season competitions, but the real winners of the occasion, two local charities; G.A.T.O. and The Associacão uma Porta Amiga who were presented with cheques of €1,000 and €5,000 respectively. This incredible amount of money has been raised over the past 12 months with various competitions
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and special fund raising events organised by the club... and of course very generously supported by its members. The recipients were exceptionally grateful, and thanked the club for enabling them to help so many people, and continue their work helping everyone from educating underprivileged children, to assisting families with problems caused by addiction. If you would like further information on joining the Golfe Clube de Tavira, contact Benamor Golf direct on 281 320 880, or Nick Everott on 968 428 124, Email; neverott@sapo.pt
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Left: Representatives of Associacão Uma Porta Amiga receive a cheque for €5000 and from G.A.T.O. receive a cheque for €1000. Above: Richard Woolard with Presidents Cup Right: Peter Westera with Men Club Champion Cup and Carolyn Wright Lady Club Champion Cup
club WINNERS
Far left: Kevin Powell Spring Cup, Monica Delard Easter Cup, Teresa Baker Winter Cup, David Winstanley Autumn Cup. Middle left: Menna Winstanley Lady club Championship Net Cup Left: Michael Storman; Pairs Knockout Cup & Pairs Greensomes Cup Above: Lynn Everott trophy for best lady on Captains Day, Alan Alvey trophy for best man on Captains Day.
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Places
Cut, etch or print on a huge range of materials to make your home, business or personal items stand out from the crowd, Laser art have the technology to do so.
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n 1965, the first production laser cutting machine was made by the Western Electric Engineering Research Center and in 1967 the British pioneered the laser-assisted oxygen jet for cutting metals. In the early 1970s this technology was being put into production to cut titanium for aerospace applications and at the same time CO2 lasers were adapted to cut non-metals. Today, Laser cutting and engraving is available here, near Moncaraphaco on the EN 125. Laser Art provides a
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professional and comprehensive service for businesses and the public combining its in-house technology and artistic ability.. Proprietor Martina Neuweger has lived with her family in the beautiful East Algarve region for over 10 years. She had spent many years in North Hamptonshire, U.K. after moving from her home town near Frankfurt. Martina is trained in all aspects of the business and having opened in November 2017 she has many clients requiring her expertise with both small
and large projects. Laser Art provides its clients with an incomparable and professional service which includes Engraving and Laser Cutting with Wood, Acrylic, Stone and Paper. They are able to provide Signs and Boards for business users and homeowners as well as Fliers, Business Cards and printed T-shirts, either for your business or social event. Laser Art can also be applied to Glass and Ceramics which opens endless decorative possibilities, for example
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on glass, furniture, prizes and shields, ceilings, bathroom mirrors, doors, office entrances, aquariums, keychains or table tops etc. You can choose anything you like and Martina will etch your design on to any of above mentioned materials. That special event can be made more so with an engraved gift, or hand made puzzles are available to purchase from their shop. Personalized sign writing and specialist light boxes are made on site and every detail is professionally taken care of. If it’s business cards and
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promotional material you need, Martina can arrange this in just a few days, as well as restaurant menus, stamps and stands. Engraving is carried out on any material and floor and wall tiles can be prepared exactly to the customers dimensions and individual design. All promotional merchandise can be arranged from printed mugs and souvenirs to advertising boards. With her wealth of experience Martina is able to help with the design and any fitting. It was a pleasure to meet Martina, a
valuable and needed business located between OlhĂŁo and Tavira. Find Laser Art on Facebook; 'Laser art abc' www.laserartabc.pt Tel: 289 094 100 Email: Laserartabc@gmail.com Address: E.N125 , Quatrim do Sul, Cox 505-Z 8700-128, Moncarapacho.
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We take 100% care of your property!
E-mail: rentals@riosultravel.com Tel +351 918 064 615,+351 965 454 503 www.riosultravel.com
� Couple and Family Tuk Tuks � Webshop direct bookings � Culture and nature tours � Typical food workshops Call: 00351 913 352 830 Email: geral@tuktuktavira.com Facebook: tuk tuk tavira Website: www.tuktuktavira.com
TASTE THE DIFFERENCE!
Home grown spices imported from India gives a unique flavour producing the best Indian cuisine in the East Algarve!
CABANAS
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Clubhouse 20
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Property Exceptional living at Portugal’s #1 golf course
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onte Rei Golf & Country Club sits in the picturesque foothills of the Eastern Algarve with sweeping views of the Serra do Caldeirão mountains to the north and the Atlantic Ocean to the south, conveniently located between Faro airport (only 30 minutes’ drive) and the Spanish border (15 minutes away). A globally-acclaimed golfing paradise set in a private estate spanning over 1,000 acres of unspoiled countryside, Monte Rei boasts the lowest building density of any comparable luxury golf resort in Europe. In addition to the magnificent Clubhouse and the multiple award-winning Jack Nicklaus Signature Golf Course, the resort also offers traditional and contemporary residences for discerning homeowners - an exquisite collection of beautifully designed private homes. Monte Rei offers unparalleled levels of quality and choice to suit even the most discerning real estate purchasers. Whether you are considering the spacious threebedroom linked villas of Parque Miradouro, the luxury standalone villas of Miradouro Village with private pools and spectacular sea views, or the stunning contemporary homes at Casa do Campo built on individual plots bordering the golf course, the selection of properties available to purchase at Monte Rei is as exciting as it
Residences www.eastalgarvemag.com
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is varied. Offering state-of-the-art design, outstanding architecture, the highest standards of construction and premium quality fixtures and furnishing, the impressive selection of properties available for purchase at Monte Rei is about to expand further with the launch of the Clubhouse Residences. Just a short distance from the Monte Rei Clubhouse, infrastructure soon coming to a close, structural construction is set to start during February. As with all Monte Rei properties, The Clubhouse Residences epitomize the highest standards of architecture, design and comfort. Sitting on the same level as the Clubhouse, these superbly appointed apartments and penthouses - all of which are interior designed and fully furnished - will enjoy panoramic views over the 18th hole towards the scenic golf course, countryside and coastline beyond.
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This exciting new addition to our real estate portfolio comprises spacious two-bedroom and three-bedroom frontline golf apartments and penthouses, all with terraces, which are scheduled for completion by 2019. Built in eight individual blocks, this exciting new phase will offer: • 32 apartments • 8 duplex penthouses. Clubhouse Residences owners also benefit from a private swimming pool, gym, saunas and cafe restaurant. The development has already been awarded the Touristic License that allows owners to rent out their properties for holiday accommodation, managed by the Monte Rei property and rental services. For further information, please contact our Real Estate team through the number +351 281 950 959 or email us at clubhouseresidences@monterei.com
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CELEBRATE LOVE!
€ €
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A Rising tide lifts all boats PROPERTY MANAGEMENT ALGARVEAN COTTAGES
V I LLAS
H A P P Y H O M E S A L G A RV E A PA RT M E N T S
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Happy Homes Algarve is currently looking for additional good quality rental Villas and Apartments to offer to our customers for next season. If you have a property to let, please contact us for more details'
Confused about the new rental law? Contact us for specialist advice. C o n t a c t us t o d a y : 2 81 32 0 28 3
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Covering the whole of the Algarve as independant real estate agents, we can provide you with unbiased advice when you decide to purchase a property and can introduce you to a wide choice of reputable mortgage banks, architects, lawyers, builders, chartered surveyors and interior designers. We have been in business for over 16 years, finding the right property for countless satisfied clients. We currently have over 900 properties available online and would be very pleased to help you find your ideal home.
If you are the owner of a good quality property and wish to sell, please contact us to arr ange an appoin tment TA VI RA
R u a J o sĂŠ P i r es P a d i n ha 1 7 8 880 0 - 3 5 4 T av i r a
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C o n t a c t us t o d a y : 2 81 32 0 28 1
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V I L A MO U R A
N 1 2 5 , B e n f a r r a s , B o l i q u e i me 81 0 0 - 0 6 8 B o l i q ue i m e
Property expert Robert Bijker reports from Land and Houses Algarve on the still buoyant property market
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hen it comes to the desirability of property, it is all about location, location, location. But for property prices in general, liquidity, liquidity, liquidity is just as important. This does not refer to how easy it is to trade in and out of property, but liquidity in the financial system. Money supply can either stimulate or slow down demand. A rising tide lifts all boats. The abundance of cheap and easy money from a loose monetary policy has benefited economic growth and employment. It also inflates prices of financial assets and could potentially lead to another economic bubble. With ultra low interest rates investors in search of a higher yield are accumulating riskier asset classes such as junk bonds and other exotic investments. The property market is also benefiting from this. Yields in real estate are out stripping other assets such as bonds, giving a boost to the industry. Not only does a buy to let property generate a higher annual return but it can also be of use for family holidays. Over time there can be upside potential from price appreciation, which is something a saving account doesn’t offer. Over the years the ECB has been very accommodative and the outlook is that this will remain the same in 2018 and possibly beyond, until the ECB sees signs that the economic recovery is on a more solid footing with core inflation near their 2% target. The current
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Property
strength of the Euro makes it harder to meet the 2% inflation target and may fuel arguments for a prolongation of ECB stimulus. However, the global economy is experiencing a synchronised pick-up in growth. There are signs that we are entering into a normal economic cycle with increased consumption leading to more corporate investment and trade rather than being finance driven. This reduces the need for stimulus. There will come a time that the ECB will reduce – and eventually end – the quantitative easing program. As long as the normalization of monetary policy is achieved in an orderly fashion we do not see an interruption in the current recovery of property prices in the Algarve. With the financial system being flush with liquidity, it is normal that some of the money finds its way into financial assets. The recovery in house prices in Portugal is just one example. However, with property prices of existing homes still below the previous peak, the market is far from being overheated. As a result, real estate continues to be popular for both permanent living and investment. The total number of visitors
to the Algarve continued to increase in 2017 and surpassed the all time high recorded in 2016. This is mainly due to the continuous popularity of the destination as well as the influx of hundreds of thousands ´newcomers´ from other holiday destinations in countries that are currently facing turmoil. We expect 2018 to be no different. For those interested in a buy to let property, rental income from short term holiday letting is taxed under the simplified regime. 65% of rental income is automatically considered as an expense and therefore exempt from income tax. In other words, you are only taxed on 35% of your invoiced rental income. There is a flat tax rate of 25% percent, which results in a final rate of 8.75% of total rental income. Rental income from long term letting continues to be taxed at 28%. Contact us for more information about the new rental law, investment opportunities and assistance with your property search. Our multilingual associates have all lived in the Algarve for many years and are experts at walking you through each step of the buying and selling process.
Yellow Homes - Land & Houses Algarve has specialized in all manor of property in the Algarve since 1995. All properties on our website have been personally visited and inspected by our real estate consultants for accuracy before listing and we are in direct contact with all vendors.
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Robert Bijker Director Land & Houses Algarve – Yellow Homes www.landandhousesalgarve. com www.landandhousesalgarve.de Tavira Office Rua Dr. José Pires Padinha 178 8800 - 354 Tavira Tel: 281 320 281 Fax: 281 321 901 (AMI – 6232) Vilamoura Office EN 125, Benfarras Boliqueime 8100 - 068 Boliqueime Tel: 289 301 294 Fax: 289 301 439
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As an advertiser you automatically become a distributer, and will be provided with a number of copies to issue to your customers. www.eastalgarvemag.com
COUNTRY VILLA, FAZ FATO €365.000 REF: 2254
• Stunning detached villa • Plot 2136m2 build 244m2 • 13Km from beach, 7km
from golf • Basement room/garage • Private pool and patios • Perfect condition
• A/c, heating & fireplace • Solar panels for hot water • Energy certification A
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Property
Property of the month
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Detached 3 bedroom villa with a Pool in the countryside. Sitting garden plot of 730m².
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RUSSELL & DECOZ REAL ESTATE Tel: 00351 289 792 785 Mobile 963 085 580 Email: sales@russell-decoz.com Ideal property for the family who want to be out in the countryside away from the hustle and bustle of the coast, but don't want to be isolated. Or could suit a person looking for a good rental property with limited maintenance requirements.
* Borehole * Water cistern mains water nearby * electric * hot water system * Private drainage * 220V electricity * SAT-dish * 2 en-suites Fitted wardrobes * Double * glazing * Air conditioning * wood burner * sat dish Pool with seating * wood decking * BBQ * * Poolside shower * Terrace * Pergola * Low maintenance garden * automatic irrigation system * some trees for shade *Shed for storage * workshop * Partially walled / fenced * Private driveway & parking * Open views of the countryside * Part furnished. REF:- 1617VN LOCATION:Moncarapacho ENERGY CERT:- C
€315,000
www.russell-decoz.com
AMI License nº 870 - Member of APEMIP nº 1178 Av. Maria Lizarda Palermo 43a, 8700 - 081 Moncarapacho, Algarve, Portugal
PROPERTY REQUIRED: Moncarapacho, São Brás, Estoi, to Tavira area, please call or mail.
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AMI 8799
LwL Properties.com, Nº40a, Rua 1º de Maio, 8800-360 Tavira Office: 00351 281 327 656, Voip: 02070999193 Email: info@lwlproperties.com Web: www.lwlproperties.com
3 Bed Farmhouse with 2 Ruins, Large Plot and Distant Sea Views – Quelfes, 650,000€
Studio Apartment with Fantastic Pool in Pedras D´el Rei – Santa Luzia, 120,000€ Ref: 4558741
Ref: 4549447
Very typical Farmhouse located 5 mins from Olhao. The main house is bursting with character, yet has recently been renovated, giving you the best of both worlds. Very large plot, with many fruit trees, and two ruins, that subject to planning, can be built on. Ideal as a home, or as a fantastic project, which could be turned into a business.
QUELFES
A great opportunity to purchase a studio apartment, in good condition, in a very well sought after complex. Pedras D`el Rei, in Santa Luzia, is a popular exclusive holiday complex, only a few minutes from the beautiful Barril beach. Pedras D’el Rei benefits from many services such as restaurant, café`s, pubs, supermarket, reception, a fantastic swimming pool and landscaped gardens, making this an exceptional rental business all year round.
Modern 3 Bed Apartment, Next to the Sea and Marina – Olhão, 295,000€ Ref: 4562045
Modern 2nd floor, 3 bed apartment within the popular complex of Marina Village. The complex sits in front of the marina, next to the lagoons (sea), just on the edge of the main avenue. Everything on your doorstep or within walking distance, including the market, shops, cafes, restaurant, the island taxi boats, and much more. Ideal as an investment for holiday rentals, or as a holiday home.
OLHÃO
SANTA LUZIA
MAIN OFFICE – (Waterfront) Ava Ria Formosa, Centro Comercial Loja 2, 8800-591 Cabanas de Tavira TEL: 281-370277 Mobile: 91 7212498 OFFICE – E.N.125, Cevadeiras, 8900-024 Vila Nova de Cacela TEL: 281-951165 Mobile: 91 2177055
▲
LICENÇA No 504-AMI
EMAIL geral@estealgarve.net WEBSITE www.estealgarve.net
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▲
2+1 BED. TOWNHOUSE - NEAR TAVIRA - Situated in a new residential area, 2 kms from Tavira, 5 mins to supermarket. Private parking in the street. Loft - ideal for children's bedroom. Sold furnished and equipped. ***ENERGY CLASS C €175.000
3+ 1 BED SEMI-DETACHED TOWNHOUSE W/ GARAGE - NEIGH. VILA NOVA CACELA - 2 kms from the village and all amenities, 4 kms from Manta Rota beach. 3 floors. Sun terrace (24.70m2). Patio. ***ENERGY CLASS B- €230.000
GB E
F
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WE'LL
BUY YOU R CAR
BEST PRICES PAID FOR PORTUGUESE OR FOREIGN REGISTERED CARS
TEL+34 642 458 853 or 00351 914 417 580
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OUR SUMMER BEST INVESTMENT BUYS EXCELLENT OPPORTUNITIES
4-BED VILLA, TAVIRA - €487,000 A very well maintained propertyMARIM with a nice landscaped VILLA FRONTLINE CASTRO GOLF - €395,000 garden and a private individual pool. 10 Delightful semi-detached, end villa withQuiet privatelocation swimming pool and walk large to garden. minutes TaviraModern centre. kitchen, well presented with
3-BED REFURB APARTMENT - €185,000 Second floor refurb apartment in Urb Mato Santo Espirito. PLOT OVERLOOKING GOLF COURSE - €750,000 Very high spec with views south to the sea north to Superb building plot within walking distance of and the Monte theGolf countryside. Lovely balcony. Rei clubhouse. Roomcovered for a spacious 400m2 villa with
NEW 4-BED VILLA IN REAL SANTO ANTÓNIO - €595,000 Recently built villa 3 minutes golf and 2-BED HOUSE WITH ANNEXfrom ANDMonte POOLRei - €297,500 A delightful house withThe separate annex. WellThe 8km from the beach. plot is1-bedroom over 12,000m2. house opens onto décor a wideand veranda views to awindow. large finished, modern viewswith from every
2-BEDROOM VILLA ON LARGE PLOT - €195,000 Located in Faz Fato PRIVATE in a peaceful country setting on a CHANCE TO BUILD VILLA - €172,500 spacious of 3,260m2 with established trees. It also Plans are inplot place for a 4-bedroom villa with basement, just ten minutes the centre Tavira, close to schools and all features a to small plungeofpool.
air-conditioning throughout.
private swimming pool and orange groves beyond.
wonderful golf views.
local amenities.
The Best of the Algarve Close to Beaches & Golf Rua 1º de Maio 32, 8800 -360 Tavira Tel: +351 96 25 66 421 - www.proluna.com
r.nagelsmit@proluna.com www.eastalgarvemag.com
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We offer a complete service starting with the discovery and evaluation of your expectations, the search for your property, the administrative and tax procedures, the monitoring of the project and work in the case of a renovation with our partner professionals, the furnishing and decoration of your property if you wish. We have special relationships and trustwith all of our customers. Algarve real estate advice is here to accompany you from A to Z. Info : www.algarveimmobilierconseils.com www.facebook.com/Algarve-Immobilier-Conseils-isabelle-Naud-LDA-252065174947726 algarveimmobilierconseils@gmail.com Tél :0033. 6-81-18-81-87 Or 00351 968 216 283
MONTE da PALHAGUEIRA VILLAGE
Villas from: £140,000 Ι Apartments from: £95,000
DESIGNED FOR THE OVER 55’S Monte da Palhagueira offers 33 houses and apartments, exclusively designed for the over 55’s. Set within a traditional village development of 22 acres, just 20 minutes drive from Faro International Airport, the village nestles in the tranquil and picturesque hillside of Gorjões, Faro in the Algarve. EXCELLENT FACILITIES The village offers many unique features, including its own own Anglican Church, public restaurant, tennis court, two swimming pools and an ornamental lake, all set within traditional village surroundings, bounded by stone walled lanes and terracotta tiled buildings. COMPLETE PEACE OF MIND In addition, village properties all have access to British trained medical staff, on duty at all times, via an aid call system linked to the village nursing home. MAKE AN ENQUIRY For Roberts on ++351 289289 990900 For further further information information please pleasecontact contact Clive Alexandre Neves on ++351 990 900 E-mail: montedapalhagueira@gmail.com ΙWeb: Web:www.retirementvillageportugal.co.uk www.retirementvillageportugal.co.uk E-mail: mdpvillage@amesburyabbey.com Monte Monte da da Palhagueira PalhagueiraVillage, Village,Gorjôes, Gorjôes,8005-488 8005-488Sta. Sta.Barbara Barbarade deNexe, Nexe,Algarve, Algarve,Portugal. Portugal. Part of the Amesbury Abbey Group, Church Street, Amesbury, Wiltshire SP4 7EX www.amesburyabbey.com
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Tavira Castle
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c Tavira Câmara t Tourist Information
BARS & CAFES 1 Cafe Meringue
PLACES TO VISIT 1 Casas das Portas 2 Casas das Portas 3 Fado Com Historia 4 Kozii store 5 Kozii store 6 Tavira D'Artes 7 Tavira Discount Warehouse 8 Tamam 9 Blossom 10 Baú de Barro 11 Carlos Pascoal
SERVICES 1 A.F.M. Accountants 2 Ibex Insurance 3 Rui Horter Lawyer
HEALTH & BEAUTY 1 Elle 2 Rui Barros 3 Thai Massage Expert
REAL ESTATE 1 Land and Houses 2 LWL 3 Algarve Immobilier Conseils 4 Tavira House & Home 5 To Go For Homes 6 Proluna
RESTAURANTS 1 Abstracto 2 La Petite France 3 Sushi D'Arte
www.blossomfotosandmore.com (00351) 918 050 612 Wall Decoration Canvasses Woodprints Metalprints Acrylprints
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La Petite France Bistro
A real taste of France in Tavira
Tel 967 668 252
• French wines • Foie Gras • Baked Camembert • Gazpacho • Home made Chocolate Mousse Extensive range of wine's and Cocktails. See Facebook for Event details
Tel: Chuttcha +351 923 254 175 Vorakorn +351 923 145 282 Facebook: Thai Massage Expert
• Foot Massage • Oil Massage • Traditional Thai Massage • Theraputic Massage for pain relief • Face lifting treatment Av Dr. Mateus Teixeira de Azevado TAVIRA, 8800-379 Loja No 24 From the station walk down to center
Rua da Liberdade n.º 37 Tavira sushidart.geral@gmail.com Telephone: 00351 281 326 011
Restaurant & Take-away
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33
Growing Grape
VINES 34
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Gardens
Grapes are often ignored in home gardens, and yet are one of the most widely produced fruit in the world as well as beautifully ornamental plants. We have plenty of vines in our own garden.
G
rape vines not only produce sweet and versatile fruits, they add an element of drama to a garden or landscape. They are vigorous growers, and with the proper pruning, they will produce fruit with ease and can last longer than 30 years. There are three different types of grapes: American (V. labrusca), European (V. viniferia), Muscadine (V. rotundifolia). American grapes are the most coldhardy, while European grapes, usually more for wine than the table, do well in warm, dry, Mediterranean weather. Hybrids are available. Thick skinned Muscadines thrive in our warm climate
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Make sure you purchase grape vines from a reputable nursery, or the markets have good vine plants. Vigorous, 1-year-old plants are best. Smaller, sometimes weaker, 1-year-old plants are often held over by the nursery to grow another year and are then sold as 2-year-old stock. PLANTING Plant dormant, bare-root grape vines in the early spring. Construct a trellis, arch or pagoda before planting. Grape vines will need to be trained to some sort of support to grow upward. This will also cut the risk of disease. Most grape varieties are self-fertile. To be sure, ask when you are buying vines if you will need more than one plant for pollination. Before planting grapevines, soak their
roots in water for two or three hours. Select a site south facing with full sun. If you don’t have a spot with full sun, make sure it at least gets morning sun. A small amount of afternoon shade won’t hurt. Your soil needs to be deep, well-drained, and loose. You also need good air circulation. Space vines 6 to 10 feet apart (16 feet for some varieties.) For each vine, dig a planting hole 12 inches deep and 12 inches wide. Fill with 4 inches of topsoil. Trim off broken roots and set the vine into the hole slightly deeper than it grew in the nursery. Cover the roots with 6 inches of soil and tamp down. Fill with the remaining soil, but don’t tamp this down. Prune the top back to two or three
35
Gardens
buds at planting time. Water at the time of planting. CARE In the first couple of years, the vine should not be allowed to produce fruit. It needs to strengthen its root system before it can support the extra weight of fruit. Pruning is important. Not only would vines run rampant without control, but canes will only produce fruit once. Prune annually when vines are dormant, in March or April. This is before the buds start to swell, but when winter damage is apparent. Don’t be afraid to remove at least 90 percent of the previous season’s growth. This will ensure a higher quality product. Remember, the more you prune, the more grapes you will have. In the first year, cut back all buds except for 2 or 3. Then, select a couple of strong canes and cut back the rest. Make sure the remaining canes are fastened to the support. In the second year, prune back all canes. Leave a couple of buds on each of the arms. Remove flower clusters as they form. Do not fertilize in the first year unless you have problem soil. Fertilize lightly in the second year of growth. Use mulch to keep an even amount of moisture around
36
the vines. A mesh net is useful in keeping birds away from budding fruit. HARVEST/STORAGE If grapes aren’t ripening, pinch back some of the foliage to let in more sunlight.
Grapes will not continue ripening once picked from the vine. Test a few to see if they are to your liking before harvesting, usually in late summer or early autumn. Grapes are ripe and ready to harvest when they are rich in colour, juicy, full-flavoured, easily crushed but not shrivelled, and plump. They should be tightly attached to the stems. Sample different grapes from different clusters, and the taste should be between sweet and tart. Grapes can be stored for up to six weeks in the cold store, but grapes can absorb the odours of other fruits and vegetables, so keep them separate. Use cardboard boxes or crates lined with clean, dry straw. Separate bunches with straw or sawdust. Check often for spoilage. Or make some vino; I know which I would prefer. Seedless grape varieties will produce smaller grapes. ‘Edelweiss’: Hardy, early white variety. Table and wine ‘Reliance’: seedless, pink table grape. ‘Seibel’: Hybrid, wine grape. Cold hardy. ‘Swenson Red’: Hardy, red table grape. ‘Magnolia’: White Muscadine wine grape. Sweet. ‘Valiant’: Eating grape hardy. Making homemade Vino is very satisfying, when you grow from garden to glass.
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CASA DO POVO Moncarapacho... What's On A Special
Valentines
evening with: The
New
Orleans
JAZZ BAND
Saturday 17th Febuary Starts at 19.30 Members of Casa do Povo €7 Members of Afpop and AHA €9, Non members €11 Dinner Option €12 Euros Nibbles and two courses
THE SAO BRAS PLAYERS PRESENT
AN EVENING OF SONG & DANCE WITH NOEL COWARD & FRIENDS Saturday, March 10 at 7.00 pm The Sao Bras Players are celebrating the musical work of Noel Coward with additional music from the 20’s, 30’s and 40’s. The show will take the form of a Cabaret with songs and dancing being performed between dinner courses. An evening of light hearted entertainment is promised with all cast dressed in costume. Guests are encouraged to dress in the fashion of the period to add to the party atmosphere. There will be a prize for the best costume. Prices Include Show and Dinner (Excluding drinks) €24 Non members €20 Euros Afpop/AHA €18 Members of Casa do Povo
Fish and Chips Wednesday Lunchtimes 12.30 and Friday Evenings 19.30 hrs
Curry dishes Friday evenings FREE STARTER IN MARCH
Contact teenyweiss@gmail.com or text 920362233 38
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Expert financial advice By Gavin Scott, Senior Partner, Blevins Franks
Portugal tax in 2018
A
ENGLISH MOBILE
MECHANIC 'WE COME TO YOU AND QUOTE YOU HAPPY' Electrical work, Cam belts, Clutches, Servicing, Brakes Etc. ON ALL MAKES AND MODELS OF CAR or TRUCK! NO JOB TOO BIG OR SMALL! FULL DIAGNOSTIC EQUIPMENT TEL+34 642 458 853 or 00351 914 417 580 email: paul.titcombe@hotmail.co.uk
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s we move further into a per person, deducted from the value new year, let us have a of all Portuguese properties. This is look at the tax landscape available for individuals and estates, except for those whose tax affairs are in Portugal in 2018. Income tax and not in order. Some companies are not eligible. surcharges The minimum and maximum income There are no changes to this tax in tax rates remain the same as recent 2018, other than the ability to be taxed years, but two new income tax bands on a joint basis. have been introduced. Tax now starts Capital gains tax being levied on income over €7,091 With effect from January 2018, (previously €7,000) and the 48% top non-residents who own shares in rate applies to income over €80,641 a non-trading company that owns Portuguese real estate will be subject (previously €80,000). We finally see the end of the two to capital gains tax when they dispose extra taxes introduced under austerity of the shares. measures. The surtax was phased out Trusts last year and the solidarity tax will be Since January 2015, Portugal taxes distributions from fiduciary structures removed in 2018. such as trusts made to individuals Investment income As previously, interest and resident in Portugal. Trusts can still be investment income is taxed at a effective for estate planning purposes, but you must take flat rate of 28%. Residents can With effect from January specialist advice for your circumstances choose to be taxed and objectives. at the scale rates 2018, non-residents who Your estate instead. own shares in a nonplanning, tax If the bank account planning and or investment is in trading company that i n v e s t m e n t a jurisdiction on owns Portuguese real planning should Portugal’s list of ‘tax be considered havens’, income estate will be subject to together. You is taxed at 35%. capital gains tax when should have a Gibraltar remains informed on this blacklist. they dispose of the shares. tax investment strategy, The Isle of Man, Jersey and Uruguay were removed in based on a thorough understanding 2017, but have been reinstated as the of the tax landscape, to protect your procedure that removed them did not wealth for the long-term for yourself and your family. There are many follow the correct legal procedure. opportunities available to residents of Non-Habitual Residents regime Portugal’s NHR regime remains in Portugal to help you do just that, if you place – with no changes – providing take expert and personalised advice. new residents with very attractive tax Tax rates, scope and reliefs may change. Any statements concerning benefits for their first 10 years. taxation are based upon our Wealth tax Introduced in 2017, the Adicional understanding of current taxation Imposto Municipal Sobre Imóveis laws and practices which are subject (AIMI) affects those with higher valued to change. Tax information has been Portuguese property. Regardless summarised; an individual is advised of residency, rates are 0.4% for to seek personalised advice. properties held by companies, 0.7% Keep up to date on the financial for individuals and 1% for those owning issues that may affect you on the Blevins Franks news page at www. property valued over €1 million. Relief comes via a €600,000 allowance blevinsfranks.com
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Expert financial advice Keep up to date with our Finance expert, chartered accountant Ricardo Chaves from All Finance Matters.
New Social Security rules applicable to sole traders
T
here is news for sole traders, also commonly known as workers on green receipts. The new social security regime has already been published, but new rules will only take effect on January 1st, 2019. One of the key changes has to do with the fact that the rates to be applied to green receipts consider the average quarterly income, instead of the yearly income. This means that in the first declaration, under the new rules in January of next year, this will be based on the income of the last quarter of 2018. Does this mean that I will be paying more or less? Well each case is different. In relation to the rate of discounts for Social Security, this drops from 29.6% to 21.4%, being applied to 70% of the average income of the last three months. And there's a particularity: workers will be able to adjust their income up to 25% up or down. So, in case you stop working on green receipts or suddenly reduced your income, you don’t need to wait one year to apply for a reduction, this can be done each quarter. But the opposite is also valid, in case your income increases. In the case of self-employed persons with organized accounts, the relevant income must correspond to the value of the taxable profit calculated in the
previous year, with a minimum limit of 1.5 IAS, even if the taxpayer may opt for the quarterly scheme. Currently, these people also deduct taxable income (from 1.5 IAS), but only if it is lower than what results from the general rules. Other novelties relate to the sickness and unemployment allowance The sick allowance will now be applied from the 11th day, not 31st, and the unemployment benefit for workers considered to be economically dependent (of the contracting entities) is now requiring 360 days of discount instead of 720. What will be the minimum amount to pay each month? The new rules provide for a minimum contribution of € 20, also applicable in cases where the employee decides to lower the relevant income. This is still the amount that should be paid in the months when there is no income, which will allow workers to continue to accumulate social protection rights. In the current law, the minimum contribution exceeds 62 euros even in the months without gains, applying to workers of reduced income who are placed in a sort of 'step zero'. When is the declaration made? Green receipts that are not exempt from contribution must report income from services, production and sale of goods quarterly. But the bill also points to the
tlm:+351 281 029 059 email: info@allfinancematters.com
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declaration of other values necessary to the determination of the relevant income, in terms still to regulate. The declaration is made until the last day of April, July, October, and January, regarding the income obtained in the previous three months. The tax base is then constant for three months, corresponding to one third of the relevant income for the quarter. The first quarterly statement takes place in January 2019, with reference to the incomes of October, November and December of 2018. Therefore, until the end of this year the current incidence base, communicated to independent workers in November of this year, still applies. should be maintained until October 31, 2018 (with its discount the following month), but there will not be a new contributory repositioning under the current rules. In the future, self-employed workers will also have to declare or confirm the values of the previous year in January, and in this case the obligation extends also to those who are not exempt from contributing. None of these obligations apply to workers whose relevant income is determined on the basis of taxable income. When is the contribution paid? The payment of contributions of selfemployed workers will be made between
web: www.allfinancematters.com
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Closer to you! the 10th and 20th of the month following the month to which it respects - now, the deadline extends for the first 20 days of the month. What changes in the exemptions? Those who accumulate employment and independent work may only be exempt from contributions by green receipts if they have a relevant income of less than four IAS. This threshold will correspond to around 1,716 euros in 2018 (the amount will be updated annually), which implies an overall yield of around 2,450 euros. The remaining exemptions that already exist for those who accumulate pension activity are to maintain. The law also provides that, after 12 months to pay for the minimum value of 20 euros, the worker becomes exempt from contributions. This rule replaces another, which today determines the exemption of discounts after 12 months to discount for a relevant income lower than six IAS (2,573 euros in 2018). And for companies, what changes? The projected changes increase the rate due by so-called "contracting entities" and also extend this concept. Today, contracting entities are legal persons and natural persons with business activity responsible for 80% or more of the annual value of the self-employed activity. In the future, the percentage drops to 50%. And if these companies are now subject to a rate of 5% on the total of services provided to them by that person, in the future the contribution rises to 7% - in the case of economic dependence between 50 and 80% - or 10% when economic dependence exceeds 80%. This means that contracting sole traders, to avoid employing them with full benefits, will be now more expensive than in 2017. These changes take effect as early as 2018 to apply to the payment made by companies in 2019. Local Lodging excluded from Social Security contributions The law already lists a group of tax payers that are excluded from the selfemployed regime, now also specifically excludes leases activities (including for housing). In the case of income from electricity production, there are also changes in the wording. There are many other alterations that may affect your situation with the social security and it may come as a surprise to you in 2019. If you have any other questions, please feel free to contact us; tax planning is critical and you and your company, cannot afford surprises. Pass by our office to discuss your personal situation and avoid any surprises.
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Finance
Have you had “the talk” yet? Long time friends and writers for the East Algarve magazine Janet and Mark introduce their new venture; Associação Animals Lost Paradise Found NIF:514597682
N
o, not the birds and bees talk with your preteen ... the one with your parents or other aging family members to discuss their finances, health, and longer-term wishes and desires. I’m lucky because my parents and I have always been pretty open about money matters. But for many people, it can be hard to get parents to open up about such topics. Still, it may be one of the most important conversations you’ll ever have. (And if you have siblings, they should be in on it, too.) To better explain why, I’ll give you a hypothetical case study below... Sally, Tim, and Howard were siblings who lived in different parts of the country. Their parents, Mary and Jeff, were in their mid-50s and looking forward to an early retirement. Mary was a school teacher for 25 years and Jeff was an engineer with a local government agency. Between pensions and overall thriftiness, a comfortable and secure retirement seemed a sure thing. Fast-forward 10 years - Jeff is playing a round of golf with his buddies. He’s walking up to a green, clinches his chest, and collapses. He’s had a stroke. After a week in the hospital, Jeff is discharged but requires in-home nursing care. His wife Mary was at a loss. Jeff
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had handled the family’s finances. She hadn’t even written a check in years. Toss in dealing with Jeff’s nurses and home care aides eight hours a day, and it was overwhelming. Bad enough, right? Then the other shoe dropped. A neighbor found Mary unconscious in the kitchen. After getting her to the hospital, she called Sally to give her the bad news. Sally called her brothers. With Jeff needing full-time custodial care and Mary in the hospital, someone had to travel to their parents’ house to figure out what was going on. Neither brother would lend a hand. Both said jobs and other responsibilities prevented them from helping. And since Sally only worked part time for a little extra spending money, they said she should be the one to drop everything. First, she visited her mom in the hospital. The doctor said her mom had suffered a severe concussion, was still unconscious, and might need aroundthe-clock care. Then he asked if Mary had a living will and a healthcare power of attorney. “I don’t know,” Sally said. Next, Sally went to see her father. A nurse and the neighbor were there. The nurse told her that Jeff was slowly getting dementia and recommended that he be moved to a long-term care facility. Meanwhile, she’d make arrangements
for an aide to spend the night. Sally called her brothers to discuss the situation. “Whatever you think is best,” they both replied. Now she had to make some tough decisions. The nurse helped her find a decent longterm care facility for Jeff. But before he could be admitted, the business office wanted to know how they were going to pay for it. And did she have the authority to make financial and healthcare decisions for her father? They told her that Medicare wouldn’t pay, but perhaps her father qualified for Medicaid. They also asked: Does he have a long-term care insurance policy? Does he have investments that could be used? While at the nursing home, Sally called her brothers to ask if they knew. “I don’t know,” was their joint response. “But do whatever you need to do.” Sally returned to her parents’ home and dug through files in her father’s desk. She spent several hours sorting brokerage statements, bank statements, credit card statements, correspondence, and insurance policies going back 10 years. She concluded that her parents had more than 100 holdings with five brokerage firms. There were no long-term care policies. Nor could she find paperwork indicating any type of power of attorney, wills, or even correspondence with a lawyer.
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The nursing home business office recommended that Sally get an elder care attorney. The lawyer got the ball rolling by drafting powers of attorney that would give Sally the authority to make health and financial decisions for her parents. He prepared wills making Sally the executor of their estates. He then rushed them through the court in 48 hours. Jeff and Mary were moved to the longterm care facility where they shared a room. And it was determined that they’d have to pay out of pocket for their care. Sally was tasked with dealing with medical and nursing home personnel, attorneys, and real estate agents. Traveling from another state took an enormous amount of time away from her family. Eventually, Jeff and Mary’s home was sold and their assets were consolidated into one account holding a money market fund and two ETFs. The story doesn’t end there… Fast-forward three more years… Jeff dies peacefully while asleep. And Mary does the same six weeks later. Their brokerage account had been jointly held with right of survivorship. So when Jeff died, it went to Mary. And when Mary died, it was to be divided evenly amongst the three children. But when it came to splitting the account,
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one of the brothers pointed out that Sally had been getting compensated while handling their parents’ affairs. Therefore, she shouldn’t receive a full third. The other brother agreed. Sally objected, saying that she was only reimbursed for flights she had to take. Not for her time, lost wages, or other expenses she incurred. The brothers wouldn’t budge. Sally didn’t have the energy to fight them. So she agreed to pay half of the reimbursed travel expenses. And the family has been divided ever since. This is a hypothetical case, of course. The exact documents needed and court process would vary among states and one’s net worth. But I know plenty of REAL-LIFE stories that ended up even worse than this one. So to make sure something similar doesn’t happen to your family, below are four things to include in your “talk.” First, ask about finances… Preferably BEFORE anyone even retires, ask: · What investments do you have and how are they owned? · Do you have an emergency fund — money market account, saving account — that you can get at quickly? · Where are important documents kept? · Who is your attorney, accountant,
insurance agent, and so on? · Do you have debt, such as a mortgage, auto loans, or credit card balances? · Is there a safe deposit box or anything else we need to know about? Second, how is their health? Are there chronic issues you’re not aware of? And what are their plans/wishes if their health deteriorates? Third, assess options and formulate a plan. What home health care options are available in their area? Is a long-term care insurance policy a practical solution? Are there other family members who would help with care? Consider all the possibilities and permutations as best you can. Fourth, get any advice before it’s needed. Regardless of your parents’ net worth and health, if they don’t’ have an attorney, find one who specializes in eldercare issues like advance directives. It’s a whole lot easier to work out who will do what if your parents can’t make critical decisions. While it’s not necessary easy or pleasant, helping family members or other people in your life prepare for retirement by having “the talk” might well be the most valuable thing you can possibly do. By Nilus Mattive
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Expert financial advice By Andy Oliver, deVere, Portugal.
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What next for UK expatriates?
n March 29th, 2017, the United Kingdom put into action the withdrawal notice under Article 50 of The Treaty of Lisbon. This set into motion an unbinding agreement between the United Kingdom and EU. With this, all the existing legislation will be copied over to the UK domestic law, and from there UK parliament can “amend, repeal and improve” individual laws where they deem necessary. Until all is settled with the Brexit talks, the UK is still under the watchful eye of the EU law. This means that the free movement of capital within the EU is still relevant for now. This leaves a question unanswered until the UK finally leaves the EU; what does it mean for expatriates who still have a significant financial hold in the UK? The government currently receives £776.4 billion per annum in tax revenues from its residents. However, there is a significant risk that once the UK leaves the EU, the annual trend of productivity growth will plummet. This has the potential to culminate in a hefty hit to the tax revenues. After this hit, the government will need to find somewhere else to regain its losses. The UK housing market over the last 10 years has seen a large tax increase. The government receives £14 billion in stamp duty taxes and £10 billion in capital gains. In April 2015, the government introduced the Capital Gains Tax for non-residents. Previously non-resident properties that had been sold were exempt from capital gains so long as the seller had been a non-resident for at least five years. As of 6th April 2015, if a non-UK resident sells a UK property they will be liable to UK capital gains tax in any gains they made. The rate of tax will be the same as for UK residents. However, the UK government announced that, from April 2019 a further UK tax charge will be put in place on gains made on direct and certain indirect disposal of UK real estate by individuals that are not residents in the UK. Kevin Nicholson, head of tax at PwC, the professional services firm, described the proposal as a “major change in direction [that] could undermine the attractiveness of investment in UK infrastructure at a time when it’s needed most”. The
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government has predicted the charge would raise about £500 million by 2024, although that figure is expected to increase sharply as it applies to growing number of sales. While not surprising, considering the current direction the UK tax treatment has taken in recent years, this is still a significant change in the UK tax landscape. Steve Wheeler, Partner at Moore Stephens, said, “The reality is that foreign investors have numerous options of where to invest their funds. As the UK leaves the EU, it should give investors every possible reason to choose the UK. This move by the chancellor may do the opposite.” Pensions have been another area that has taken a large hit from UK taxes, seen by many as a “Cash Cow” that they can milk for all its worth. UK pensions have been a cause for concern for a while now. No longer are they the gold-plated safety nets they were, rather weights sinking further into financial uncertainty. Since 2006 many people have begun transferring their pensions into QROPS for better protection of their savings. The government soon realised they were losing approximately £60 million per annum in missing tax because of QROPS.
Since then, to combat this loss, the UK government has made numerous revisions to pension transfer rules and delisted thousands of QROPS from various jurisdictions. Where HMRC deems its rules have been broken, it can charge a 55% tax penalty on the transfer amount, even if you moved funds before the rules were changed. There is a further worry that once the UK leaves the EU it will allow the HMRC to increase taxes on pensions being transferred out of the UK into the EU. Just as it had previously been with residents transferring their pension outside of the EEA incurring a 25% tax. With Brexit on the horizon, it seems more and more likely that those expatriates who already reside abroad, or are looking to move away from the UK, will no longer be able to have a strong financial hold in the UK without receiving an ever-increasing tax bill. This could have a large impact on many who were once in a stable position. While Brexit is still in the transitional phase, it might be a worth researching what may happen to your pension and home, especially if you want to move abroad. There is no harm asking the winner of ‘Best European Expatriate Financial Consultancy Award 2017’ for a free consultancy meeting.
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Sport
Push For The Play-Offs
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All the latest local sports news from Chris Wright.
lhanense, despite a shock 1-0 defeat at Almancilense, are still in with a chance of finishing second in the Campeonato Portugal Division E and joining runaway leaders SC Farense in the knock-out stages of the Championship. Goals have been hard to come by with the top marksmen Rúben Fidalgo, Mailó, Rodrigo Parreira and Leleco - having only bagged four apiece. Mailó has left for pastures new in Madeira whilst Inter Milan have loaned Olhanense, 21 year-
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FARENSE FLYING HIGH
he Faro based team were within a whisker of reaching the Portugal Cup semi-finals as they led 2-1 at Caldas SC only for the home side to equalise and then snatch victory in extra-time. Undeterred by this set-
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old centre-forward Zé Turbo until the end of the season. Two more new arrivals, 26 year-old midfielder Sana and 23 year-old Dutch striker Okitokandjo, have been signed from Leixões. A crucial game will be the home fixture against Oriental (Lisbon) on the 18th February at the José Arcanjo Stadium, Olhão (behind McDonalds on the EN125) kick-off 3.00pm. Olhanense suffered their first league defeat of the season back in October when the Lisbon outfit won 2-1 in the capital. Ideal keeper Imerson the wrong way
back, Farense won their next two Campeonato Portugal league games, including a 3-1 win at Moncrapachense, to make it fifteen victories in seventeen games and barring a sudden collapse they should win the league. An
interesting battle will take place in midMarch when Farense travel to archrivals Olhanense who will be looking to overturn the 4-1 defeat they suffered in Novermber.
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Olhanense keeper Cléber Santana foils a Benfica attack
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VOLTA ON VALENTINE’S DAY
he eagerly anticipated 44th Volta do Algarve takes place from the 14th to 18th February and will feature twenty-five of the best teams in cycling including a select group of World Tour teams. The first major cycle event of the year will include BMC Racing Team (USA), Bora-hansgrohe (Germany), Lotto Soudal (Belgium), Quick-Step Floors (Belgium), Team Dimension Data (South Africa), Team Katusha Alpecin (Switzerland) Team Sunweb (Germany) and UAE Team Emirates (United Arab Emirates). In addition teams from France, Belgium and Portugal make this a truly international event. The Irish Daniel Martin will lead the UAE Emirate team which also includes the British sprinter Ben Swift, alongside the Italian riders Valerio Conti and Edward Ravasi, the Norwegian Vegard Stake Laengen, the Sloveniam Jan Polanc and the Australian Rory Sutherland. The Australian Richie Porte, winner of the Volta ao Algarve in 2012 will be one of the strongest contenders for the yellow jersey. Another rider with personal history in Algarve, Tejay van Garderen, three times top ten in the Portuguese race, is also pre-registered. The five stages will provide opportunities for sprinters, climbers and time-trialists. The race starts with a stage for sprinters, linking Albufeira to Lagos. The climbers will have their first opportunity on the second day of the competition, a journey that starts in Sagres and ends at the top of Fóia. Route: First Stage: Albufeira – Lagos. Second Stage: Sagres – Fóia. Third Stage: Lagoa – Lagoa (ITT). Fourth Stage: Almodôvar – Tavira. Fifth Stage: Faro – Malhão. www.voltaaoalgarve.com
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NEW UEFA NATIONS LEAGUE
he UEFA Nations League has been introduced in an effort to reduce the number of meaningless friendlies in the international calendar. The fiftyfive UEFA member nations have been divided into four 'Leagues' based on their UEFA ranking. Each 'League' is sub-divided into three or four groups of either three or four nations. Each nation will play each other home and away in September, October and November 2018. The winners of each group advance to the finals in June of next year. There is also promotion and relegation between the 'Leagues' and the Nations League is also connected to qualifying for Euro 2020. Four Euro 2020 places will be decided through play-offs with the teams coming from the Nations League group winners. League A, which is the top league, consists of the Netherlands, France, Germany, Iceland, Switzerland, Belgium, Poland, Italy, Portugal, Croatia, England and Spain. Wales, Northern Ireland and the Republic of Ireland are in League B whilst Scotland are in League C. Gibraltar are joined by FYR Macedonia, Armenia and Liechtenstein in Group 4 of League D. In League A, Portugal, Poland and Italy form a sub-group whilst England have been drawn against Spain and Croatia. In League B, Wales and Republic of Ireland were paired together, along with Denmark, meaning that former Manchester United team-mates Ryan Giggs and Roy Keane will face each other on the touchline.
EX PREMIERSHIP FOOTBALLER WOW'S TAVIRA AUDIENCE.
eith Gillespie give a fantastic insight into the world of the modern day footballer. The former Manchester United and Newcastle winger talked about his career both on and off the field, with stories of various players and managers he played with and for. Also his gambling addiction that once cost him £67,000 in two days. The second part of the evening was a question and answer session for the audience. All in all it was a very enjoyable evening and €300 was raised in a raffle for the mobile cardiac unit.
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Golf This months tip from Bradley Dye, assistant professional at Monte Rei Golf
Alignment Simplified
1
A
3
2
ligning correctly is as important as the golf swing. Having the correct fundamentals is going to set you up to hit more consistent shots and hit it closer to your desired target. One of the most common mistakes within amateur golf on a flat lie is to set up their feet and shoulders parallel to the intended target which is going to align the clubface, if square to their body alignment, to the right of the target for a right handed golfer. This is meaning they will pull the shot back on line or the shot will finish to the right of the target, if hit straight. A simple drill to set up square to the target and eliminate this mistake on a flat lie within practice is to use two clubs
Image 2: Place the other club or alignment stick parallel to the ball to target line where you would take your stance. This is for body alignment. It will feel like you are aiming to the left of the target. Image 3: Finally, take your stance and ensure your feet and shoulders are parallel to the clubs or alignment sticks, also the leading edge of the club is perpendicular to the target line. Ensuring you follow these four Name: Bradley Dye simple steps will help you align From: Darlington, England squarer to the target on the Club: Monte Rei Golf golf course and can lead to & Country Club lower scores and reducing your Position: Assistant Golf Professional handicap. For individual, group or playing Turned Pro: 2015 off Scratch lessons call +351 281 950 950 Background: BA Hons Golf or email golf@monterei.com Management Degree, University of Lessons include all equipment Central Lancashire. District, County hire, golf balls and water. & University Golf Teams. Career Low Score of 66 (-6) Bradley Dye
or alignment sticks to align yourself correctly. Image 1: Firstly pick a target on the driving range which could be a certain tree or flag. Place one club or alignment stick behind the ball which lines up with the intended target. This is called the ball to target line.
Pro stats
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TARGET
TARGET
TARGET
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A TRUE LINKS COURSE ON THE SPANISH BORDER
2 FOR 1 EVERY WEDNESDAY
EAT AT Costa Esuri
RESERVATIONS: COSTA ESURI GOLF CLUB Urbanización Costa Esuri Avda Juan Pablo II, S/N, A49 – Salida 131 21400 Ayamonte, Huelva, Spain Tlf:(0034) 959 328 071 www.costaesurih2ogolf.com
Restaurante
Abstracto Traditional Portuguese Cousine
Mediterranean restaurant Rua Dr. Antonio Cabrera, 34 8800-344, tavira Tel 937 037 712 restaurante.abstracto@gmail.com Gardens
Square
Rio Gilao
Roman Bridge
Restaurante Abstracto
Restaurant.Abstracto.Tavira
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Bishops Square
Largo do Mercado, Cacela, Faro, Portugal Call: 281 956 118 Email: essencia.net@sapo.pt Facebook: essencia.algarve
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Free Classifieds P R O P E RT Y Property required for purchasing clients in the following areas; Moncarapacho, Tavira, Estoi and Sao Bras area for established real estate company Russell and Decoz, Lda. Telephone 289 792785 – email sales@russelldecoz.com Good quality properties required in the area of Tavira, Moncarapacho, Estoi, Sao Braz, Manta Rota and Praia Verde by established estate agency Land & Houses Algarve – Yellow Homes. Call 281 320 281 or email info@landandhousesalgarve.com Good quality rentals villas and apartments with pool required by established property management and letting agent Happy Homes Algarve. Call 281 320 283 or email rentals@ portugal-accommodation.com Property for Sale:- Rustic plot 1020 m2 Guerreiros do Rio, 10 minute drive from Alcoutim. On the banks of the Guadiana river ideal for boat mooring, caravans, static homes. Bore hole, septic tank, electricity & outhouse with bathroom. €40,000 Tel. 92 442 3913 – email: ashcroft.julie@gmail.com 3 bed townhouse, Altura. Quiet semi-rural location. Furnished & large roof terrace. €190,000 NO AGENTS Tel. 92 442 3913 – email: ashcroft.julie@gmail.com Rustic land with 11,100 m2 and urban land with 120 m2 and a warehouse 36 m2, Electricity and bore hole. Residential build permitted to 300m2. 2 km from Moncarapacho €175,000 Tel. 92 442 3913 – email: ashcroft.julie@gmail.com Este Algarve Propriedades Lda is a long established, licensed estate agency, with its head office in Cabanas, If you would like to sell your property we would be pleased to offer our services. Contacts: geral@
estealgarve.net tel: 281 370277 or 951165
FO R SA LE Ford Cougar, 2.5 V6, Petrol, 190.000km A/c, lots of extras, 2999 ono, Tel 961700200 Man's bike rides well 20 euros. 968786135 Mini Pinscher puppies for sale. Contact Marina 963558592 John Broadwood upright piano superb instrument in beautiful condition. 750.00 euros o.n.o. Tel: 967-289-958. 2 electric golf trolleys, 3 batteries €150 968786135 Prague ratter puppy for sale fully vaccinated. Contact Marina 963558592 Gents bike needs TLC €30 gordonpoynter@ hotmail.com Glass t.V. Table unit: 45€. 281952954. or photo by email.
S E RV I C ES Property management /MeetNGreet, Experienced. Cleaning offered. Neil 915542786 aquaboy63@hotmail.com DJ PIRATE, English DJ, Music, Karaoke, Lighting and effects from private parties to festivals. Interior or Exterior events & all age groups catered for.Contact Chris on [00351] 937372671 or [00351] 289105839. Psychotherapy sessions in Portuguese, Spanish and English. www.institute-of-true-happiness.com. Business and Estate Adviser António Soares-Ferreira, Contact: 917 925 031 email:1950asf@gmail.com Chimney Sweep, Experienced, reliable, punctual. 40 Euro per sweep. Tel: 912842238 Email: smartsweep@hotmail.co.uk
CLASSIFIED ADS ARE FREE... for private advertisers ONLY. ANY Business adverts are free for one month only.
PAINTINGS. Commissions taken for portraits, scenes, abstracts, nudes, copies of old maters from professional Artist since 1969. Further details tel. 289845561 Tavira Sewing Sue any sewing jobs please email: tavirasewer@outlook.com Algarve Roof & Property Maintenance, Leaking roofs, balconies, guttering, painting etc.Tel: 960136445 or 281324602 Jason Music for parties, bars and restaurants, Call Richy, 281 971 484 English mobile mechanic, repair/ servicing/electrical etc. No job too big or small. Quote you happy, all makes and models of cars, vans and light commercial vehilcles. Call Paul on +351 914 417 580 or +34 642 458 853, email paul.titcombe@ hotmail.co.uk
ACTI V ITI ES Painting for Pleasure. Beginners onwards. Wed., mornings 10.30 - 12.30 Afternoons 14.30 -16.30. At Mesquita near Sao Bras. Tel.289 845 561 YOGA & PILATES - contact Hazel on 91 307 5555 or email: hazel.devine@ntlworld.com for details Scottish Country Dancing at the Casa do Povo Moncarapacho, Thursdays 5.30 ~ 7.30PM.e-mail David on daviddenman1@ hotmail.co.uk
M I SC ELL A N EO U S Alcoholics Anonymous Do you have, or is there someone you know that has a problem with alcohol? There is a solution. Please call: (00351) 916 457 733. English speaking. Wanted beginner piano teacher,own electric piano.tel 966618012.
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EVENTS
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EVENTOS
SCANDINAVIAN VINI CUP Sábado/Saturday 17/02/2018* Greensomes Almoço/Lunch Vinhos/Wines A Confirmar | To confirm
2018
8º BENAMOR CLASSIC Sábado/Saturday 10/03/2018* Ind. Stableford Almoço/Lunch Vinhos/Wines A confirmar | To confirm
70€
GOLF ALMOÇO/LUNCH
8º BENAMOR CLASSIC Sábado/Saturday 07/04/2018* Texas Scramble Almoço/Lunch
40€
Vinhos/Wines A confirmar | To confirm
ALMOÇO/LUNCH
8º BENAMOR CLASSIC Sábado/Saturday 05/05/2018* 4Ball Betterball Almoço/Lunch Vinhos/Wines A confirmar | To confirm
8º BENAMOR CLASSIC Sábado/Saturday 15/09/2018* Ind. Stableford Almoço/Lunch Vinhos/Wines A confirmar | To confirm 8º BENAMOR CLASSIC Sábado/Saturday 13/10/2018* Greensomes Almoço/Lunch Vinhos/Wines A confirmar | To confirm 8º BENAMOR CLASSIC Sábado/Saturday 03/11/2018* Ind. Stableford Almoço/Lunch Vinhos/Wines A confirmar | To confirm
Combinamos a paixão pelo golfe com os sabores e aromas da nossa cozinha e vinhos!
SCANDINAVIAN VINI CUP Sábado/Saturday 17/11/2018* 4Ball Betterball Almoço/Lunch
We combine the passion for golf with the flavours and aromas of our cuisine and wines!
Vinhos/Wines A confirmar | To confirm
*Datas estão sujeitas a alteração sem aviso prévio | * Dates are subject to change without warning
seja responsável. Beba com moderação | be responsible. Drink in moderation | www.bebacomcabeca.pt
Para mais informações | For more information: reservas@benamorgolf.com www.benamorgolf.com
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