Seniors Capital
I am an introducer for Seniors Capital loans. If you want to get more information about how you can release capital from your Spanish Home, please e-mail me at:
davebat53@hotmail.com with your name, address, contact phone number.
Alternatively call my office on 0034 966713057.
Things to consider if you want to work as financial adviser in Spain
In order to ensure that you are choosing the right company to work for as a financial adviser in Spain, make sure that you follow the following instructions.
In order to ensure that you are choosing the right company to work for as a financial adviser in Spain, make sure that you follow the following instructions.
1. Ask questions about their legal status.
2. Ask to see the authorisation documents for the company.
3. If they are an SL company ask to see the company registration documents to see who the directors are.
4. If they are registered under the umbrella of a network, ask the network to confirm everything is in order.
5. Ensure you have a good cash reserve in place, as it can take you 3 – 6 months to earn any money.
6. Find out if they can allocate you an existing bank of clients, otherwise the job is very difficult.
A proper company will take up proper references, and do proper checks on you and will have regulatory application forms to register you with a network or governing body, such as the FSA if it is “passported” from the UK. A contract , in Spain, is only binding if it is written in Spanish and witnessed at the notary.
These recommendations are based on my own personal experiences of joining companies, in Spain, who have since proved to be “not all that they seem”. By taking the correct precautions , you will not end up wasting all the effort you put into obtaining your professional qualifications, particularly the Financial Planning Certificate, which involves a great amount of study and time.
In Spain, most financial advice companies pay you on a commission only basis. The percentage varies asto what else they may provide, such as office equipment, an office etc. If you work from home, then you usually get 50% of the 5% (of the sum invested for the client).
This is not a guaranteed way to get you success, as other factors can affect the business , particularly the economic considerations. The last two years have been the worst on record, and many financial advice companies have suffered a great reduction in revenues. However, it has given you a guide as to what you should think about, before taking the plunge into financial services in Spain.
Dave Bates Information Pages
Article Source: http://EzineArticles.com/?expert=Dave_Bates
What to do if you are giving up your “autonomo” to return to the UK
Should you want to go back to the UK to find work, as many people are doing, then you need to consider how to stop your “autonomo” classification, if you are working on a self-employed basis. The process is quite simple:
1. Modelo 037 needs to be completed , it is downloadable from the Agencia Tributaria website. Whilst you can try and complete the form on-line, there is a fault, which prevents you from doing so. Section C : Baja (which means to exit the system) needs to be checked and a reason typed in the box. This can be “closed my business” prefearbly in Spanish, or “gone to UK to work and live”
2. Take the modelo to your own tax office and go to the “Censos” desk with you NIE and/or residencia, and passport. They will stamp the wto copies and give you one back.
3. Go to your own Social Security Administration office (In Orihuela they are iin the same street, but I am not sure about other areas) Go to the reception (registro desk) and they will probably give you a ticket. Watch the board to see which desk to go to. At the desk ask to “baja en autonomo”. They will enter the details and get you to sign some forms, and then you will get a copy which confirms the date from which you stopped being “autonomo”. They will not expect any further payments from you, until/if you decide to set up again.
Let your accountant have a copy, as he/she will no longer have to do your quarterly returns. If you have been in Spain over 6 months from January of the current year, you will still have to submit an annual tax return in the following year, and may benefit from a tax refund, if you have overpaid.
