Lisa Smith, Editor and Writer

Expat for over 15 years with my wonderful two children. A teacher and a writer and in my spare time (which is very little) a surfer. You can usually find me at the beach or in a cafe reading or writing. Currently doing a great deal of research and reading in to expat pension and retirement plans such as QROPS and QNUPS. I would love to hear your comments on any article I write, it really does fuel my passion for journalism :)

Online Shopping Tricks To Make You Buy Revealed

Online Shopping Tricks To Make You Buy Revealed

Expats shopping online may be shocked to know that some price comparison web sites tempt them to buy with some shady tactics. Most online shoppers believe price comparison sites help them find the best priced deal to suit their personal circumstances, but this is not always the case. Popular financial products expats buy online include […]

Expat Drivers Costing UK Millions In Lost Road Tax

Expat Drivers Costing UK Millions In Lost Road Tax

Millions of pounds of road tax is going uncollected because expat and foreign drivers are failing to register with the Driving Vehicle Licensing Centre, claims a motoring organisation. The RAC also argues that many vehicles coming into the country from abroad could be unsafe because they are not subject to the same stringent MoT checks […]

Pension Cash Boost For Car And Holiday Sales

Pension Cash Boost For Car And Holiday Sales

Car dealers and travel agents can expect a boost in sales next year as one in five retirement savers plan to spend their pension cash on life’s luxuries. Holidays and cars top the wish-lists of many retirement savers who will be able to unlock their pension savings from the age of 55 from April 2015 […]

Expat State Pensions Take A Pounding

Expat State Pensions Take A Pounding

Expat state pensioners on a fixed income are at the mercy of the ebbs and flows of fluctuating foreign currency exchange rates. As the pound rises and falls against other major currencies, the spending power of retirement savers can suddenly shrink or grow, making financial planning a real headache. Meanwhile, many of the 550,000 British […]

EU mobile roaming charges explained for expats

EU mobile roaming charges explained for expats

New European Union rules mean the costs of making calls or accessing the internet from a mobile phone have fallen. But many expats and travellers remain confused about which countries are in the pact – and those that are not. Here is a quick guide to the new rules and what they mean for mobile […]

Seven-Day Loophole That Boosts A Company Pension

Seven-Day Loophole That Boosts A Company Pension

Paying a bonus into a company pension fund to take advantage of the proposed new drawdown rules is not a problem – providing the timing’s right. Chancellor George Osborne’s proposals to open up the money locked in defined contribution pensions from April 15, 2015 is an attractive proposition for many retirement savers – especially directors […]

Fund Managers Tear Up Interest Rate Predictions

Fund Managers Tear Up Interest Rate Predictions.

Fund managers are tearing up the rule books and looking afresh at how to predict investment returns in the US economy. Leading funds work out likely interest rates with complicated computer modelling. According to Keith Wade, chief economist and strategist at Schroders, the models say US interest rates should already be on an upward path […]

SEIS Helps Entrepreneurs Take Vision To Market

SEIS Helps Entrepreneurs Take Vision To Market

The Seed Enterprise Investment Scheme (SEIS) is so important to new businesses because offering equity finance is much less risk for the business and investors than taking on debt. SEIS directors are also more likely to get someone to work with who understands their financial return depends on the financial success of the business and […]

QROPS & Safety; Keeping your Money Secure

QROPS SafetyKeeping your Money Secure

When devising a retirement strategy, British expats are now looking to a Qualifying Recognised Overseas Pension Scheme (QROPS) as an integral aspect of any future planning. Perhaps one of the biggest fears amongst expats in terms of financial scenarios must surely be the threat of falling victim to a scam. While a QROPS is no […]

Financial Considerations for Expats in Shanghai

Financial Considerations for Expats in Shanghai

Shanghai has an expat population of over 175,000 – a figure which is currently rising by seven percent annually – and is perhaps the most metropolitan city in China. The municipality has quickly become a major financial centre, and is extremely influential on a global scale within industries such as e-commerce, media, technology, transport, fashion, […]

Funding Problems Stifle Small Business Growth

Funding Problems Stifle Small Business Growth

The Seed Enterprise Investment Scheme (SEIS) is still a vital fund raising tool as business experts and the government identify finding growth finance as an ongoing major problem for small companies. Despite pumping funds into the British Business Bank, a state-backed lender that has raised more than £660 million and underwriting commercial bank loans to […]

Start-ups Need to Know About SEIS

Businessman with ideas for success

Since its introduction on the 6th April 2012, the Seed Enterprise Investment Scheme (SEIS) has resulted in over £82 million worth of investment in over 1,000 new businesses in the UK (according to official 2013 figures released by the government). But despite various high profile SEIS investments gaining attention and exposure in the press, there […]

QROPS America Overview

Unites States Flag

The number of expatriates leaving the UK for America is on the increase, and many are arriving with a UK pension left back at home. With the uncertainty of having a lifetime’s worth of savings out of range, and with a cloud of uncertainty hanging over the UK pension landscape, those living in the US […]

How Seed Enterprise Investment Scheme Should Stand Out From The Crowd

How A SEIS Should Stand Out From The Crowd

Britain has nearly 5 million small businesses, so if you are looking for a Seed Enterprise Investment Scheme (SEIS) investment, how do you pick one that stands out from the crowd? As an investor, a focus on return on investment from a SEIS that has a place in the market is an important factor. A […]

QROPS Tracker – July 1, 2014

QROPS Tracker

The number of Qualifying Recognised Overseas Pension Schemes (QROPS) has hit yet another new high with 3,416 pensions detailed on the latest HM Revenue & Customs (HMRC) listings. Published on July 1, 2014, the HMRC QROPS list shows 24 new pensions opened in the past two weeks, while two are suspended from the list. The […]

Expats And Their Tangled International Love Lives

Expats-And-Their-Tangled-International-Love-Lives

Why and where expats move around the world for love and marriage has been revealed by a fascinating look at visa applications. Immigration assistance firm Global Visas has analysed more than 5,000 cases they have helped over recent years to give an insight into how cross-border relationships work. The research has uncovered some interesting facts […]

Nigel Green slams FATCA as “fiscal imperialism”

Nigel Green slams FATCA as “fiscal imperialism”

Today, 4th July, as Americans around the world celebrate Independence Day, the chief executive of one of the world’s largest financial advisory firms has slammed the U.S. government for its “fiscal imperialism” and its “complete disregard for 7.6 million American expats.” The damning assessment from Nigel Green of deVere Group is in response to Washington’s […]

Defined Ambition Pensions Bill Launched

Defined Ambition Pensions Bill Launched

Pensions minister Steve Webb has laid a new bill before Parliament allowing financial providers to import retirement saving schemes like those in Denmark and the Netherlands. Called a defined ambition pension, the new scheme is a halfway house between existing defined contribution and defined benefit pensions. Webb says he has proposed his bill after massive […]

Rich Man, Poor Man In A Divided Britain

Rich-Man-Poor-Man-In-A-Divided-Britain

The richest British households are 15 times better offer than the poorest, according to new official figures. The office of National Statistics has crunched the numbers on the impact of taxes and benefits on household incomes and come up with some insights about how much money the wealthiest and poorest households have to spend. The […]

Luxury Home Prices Stall In Dubai

Luxury Home Prices Stall In Dubai

Price rises of luxury property in Dubai have slowed to a standstill due to a mortgage gap introduced to cool the overheating market. During the first half of 2014, prices rose by just 1% as mortgage controls took a grip, according to international property firm Knight Frank. However, prices are expected to start rising again […]