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Episode Transcript

Speaker 1 (00:06):
Friday, Saturday, Sunday.

Speaker 2 (00:15):
Are you ready?

Speaker 3 (00:21):
I think people holiday working in Spain.

Speaker 1 (00:24):
It's the right way with David. Right.

Speaker 4 (00:29):
A very good afternoon and happy Halloween. You're listening to
the right way with me, David write more tips and
advice on living and working in Spain on my show
today and some great guests as well. I've got some
tips and advice and a live guest coming on my
show a little bit later on in the show. Big
thanks to John Alex for keeping us entertaining this afternoon.
Thank you John. Kicking it off with this one section. So, yeah,

(00:51):
it's Halloween and a bit of a tradition here in
Spain that the kids come around doing the trickle tree,
as they do in most places now. But if you
don't give us sweets out to them, the other thing
they do do here in Spain is throw eggs at
your house. So yeah, that's not a very nice thing
to do, but yeah, a lot of them do do that.
So if you don't leave some sweets out for them,

(01:11):
you might get some rotten eggs thrown at your house,
and yeah, that can be a bit not so nice
celebration for the Halloween. So Halloween two thousand year old ceremony.
This is from the Celtic fiestas and festivals celebrating the
end of the summer, and yeah, two thousand years ago.
And it's called also the All Saints for the first

(01:33):
of November All Saints Day. Here in Spain they call
it All Saints Day or the Day of the Dead.
A lot of Spanish people go to the cemeteries. They
have a holiday day off and they go and visit
their relatives in the cemetery and have a family lunch together.
That's how the Spanish celebrate it. Are you doing anything
special for Halloween? Are you going out trick or treating?

(01:54):
Are you prepared? Have you got some sweets to give
out your kids? Let us know in a comment section.
A bit of a theme going on here today, Ava,
Max and.

Speaker 3 (02:03):
Ghost, David Wright, help and advice for living and working
in Spain. You're listening to the Right Way, The Right
Way with David Right.

Speaker 4 (02:16):
Good afternoon. John Alex joined us in a conversation and
Tim the Legend and Andy from soult Spray Painters. Good afternoon, guys,
join us here on Almria Radio this afternoon. A Well
did you see there's some more flights coming in and
out of al Moria to Liverpool. Now direct flights started
this week going up to John Lennon Airport in Liverpool

(02:37):
Tuesdays and Saturdays. The flights and there's prices are from
fourteen pounds one way thirty four return, so pretty good
prices there. That's twice a week coming in from Almorea Liverpool.
So would you reckon? That's pretty cheap and how can
they do that? Fourteen pound a taxi for the airport
across twenty pound but for twenty euros for us, So

(03:00):
there you go. So yeah, flights in and out of Liverpool.
So that could bring some extra tourists here for this year. Okay,
where we go now? Christmas Appeal believe you or not?
Seven tune in now and join the place you're listening

(03:26):
to the right way with me David right here on
our Maria Radio or one oh seven point five FM. Okay,
So Spain has made it a little bit easier to
get a GP's appointment. Now you can do these bookings online.
I've been telling you about this for some time. If
you get the digital certificate, If you download the digital certificate,
you can do pretty much anything making appointments with any

(03:48):
government official buildings or social security, the tax office, things
like that over on the digital certificate. But you need
to go and register for that. It's quite straightforward, quite
simple to do. But now most areas of Spain have
also introduced a special hotline for making GP appointments, making
it easier for people that aren't that good with their

(04:09):
Spanish to make an appointment online. And you can find
out more about this over on my website. I've got
to step by step god, how you can download your
digital certificate. That's over on my website. David Wright online
dot com. Cutting crew there and died in your.

Speaker 3 (04:26):
Arms David Wright help and advice. But living and working
in Spain, you're listening to the right way with David Wright.

Speaker 4 (04:39):
Yeah, Sylvia, you can get a bit more than three
months use out of your pool here. But the more
you've been here, the longer you've been here in Spain,
the more you get used to the weather here. And
I remember when I first moved here, I swam in
the sea or in around April time and also in November.
But I wouldn't dream of doing that now. It's this
is what you get used to, I suppose. But yeah,

(05:00):
having said that a couple of years ago, we had
a party on the beach with some friends. It was
their birthday on the second of November and we were
in Kabadakata Park here in Almaria, and it was such
a beautiful day. We went in the say, the water
was lovely. It was a little bit chilly, took your
breath away, but it was a beautiful day. So yeah,
a couple of years ago I did actually go on
the sea in November. But the sun is pretty warm,

(05:22):
but that Paul does get cold very fast here in Spain. Okay,
so some news about tax in Spain. So remember, if
you're a non resident in Spain and you've got a
property here and you're renting it out, you do need
to submit your tax returns for the model to ten
here in Spain to show that you're making any money
on your property at all. And also if you're non

(05:43):
resident in Spain and you've got a property here and
you're not renting it out, you still have to present
your taxes to say that you're not renting it out
here in Spain. So that's something to be aware of
for non residents here in Spain. Whether you've got a
property here and you're renting it or not, you still
have to declare some things a lot of people don't
understand as well. If you're living in Spain, you're retired

(06:05):
and you're not working, you're not earning any money, you
still have to declare to the tax office that you
are not earning any money. You have to do this
every year, and if you don't do it, then they
can come after you and go back up to four
to seven years to see how you're living here on
your expenses. So yeah, make sure you get in touch
with an accountant and you do it properly. And even

(06:26):
if you're earning nothing, you still need to declare that
you're earning nothing here in Spain, just so that you're
on the radar. That's always a good bit of advice.
And talking about financial advice, we've got a financial advisor
coming on the show very shortly to give you some
tips and advice.

Speaker 2 (06:44):
You're listening to The Right Way with David Wright in
the afternoon on al Maria Radio one seven point five FMS.
The comment section is open, so come say hi to
David right now.

Speaker 4 (07:01):
Okay, so lot's going on this weekend and let's see
what's going on at Valerie. Okay, so Silvia, if you're
still listening, Yeah, good that you've got your padron. If
you go to a doctor's here and they refuse you
because you can't speak Spanish, that is wrong. They can't
do that. You have a right to be once you're
on the padron. That you have a right to get
access to the doctors, even if they can't understand what

(07:24):
you're saying. I know it's difficult, but they cannot refuse
you from entry. Something you can do if you get
any bad service like that, you can ask to see
the complaints book that normally puts a fear of God
up people. Even a doctor, surgery, a dentist, anything, any
public service has to have a complaints book and it
has to be at hand for you to fill in,

(07:46):
and you have to fill it in either in English
or Spanish. Now, if you go to somebody and they
say I want to see the complaints book and they
say it's locked away in the back office or haven't
got access to it, that is against the law here
in Spain. You can actually call the police and they
can be fined heavily for not producing the complaints book.
Now I heard her story a little while ago about

(08:07):
a guy, a Spanish guy that went into a petrol
station and he had an incident there and he wanted
to make a complaint and the attendant said, the manager's
look the complaints book up in the back office. I
can't get it. And he actually called the police because
he knew the law, and they came and there was
a right so and so going on there. So, yeah,
you have a right here in Spain to get access

(08:28):
to the complaints book. Normally, just a fear of that works.
Several years ago, I was helping an elderly English lady.
She had a problem with a TV that she had
bought bought here at a big department store she was.
It went wrong after a couple of days and she
went back and they said, no, you have to send
it to the manufacturer. She was getting very upset about it,

(08:48):
didn't know what to do, so I went back in
with her with the TV and said that you know,
even though it's under guarantee, she's got a right for
you to exchange it and do this, that and the other.
And they didn't want to know, so I said, can
we have them plaints book please? And then after a
little bit of tour and eight with them. The manager
came out and he took the TV in and sorted
out the repairs on it for her. So just the

(09:10):
sheer threat of the complaints book is normally enough to
do it. But it is a law here in Spain
there I have to have. Anybody that's working here in
Spain as well, even if our self employed, you're supposed
to have a complaints book that can be access to
the public at all times. So it's no good it's
saying it's I haven't got it or don't know where
it is. It needs to be on at hand at

(09:30):
all times. Sometimes if you go to petrol stations here
you can see they have a sign up on the
wall saying we have a complaints book free for you
to use. So yeah, that is something a lot of
people don't know about here in Spain. So if you
get refuge surface or you're not happy, then bring the
older complaints book one out that normally gets them going
a little bit. Yeah, so a little bit more about

(09:50):
this complaints form that you're entitled to here in Spain.
If you didn't know this, when you fill it in,
there's three copies. There's a white copy that goes to
the consum authorities, and then there's a green copy I
think it is. It's for the business and the white
copy is for you to keep, and there's ten days.
They have ten days I think it's ten or fifteen
days to reply to you. And then you also get

(10:13):
a follow up I remember I've got a follow up call.
And if they're not they don't sort out this problem,
if don't come to some sort of agreement, then they
can go as a black mark against them. The consumer
can put a black mark against that company or business.
So this is any business is dealing with the public.
This includes government buildings, authorities, hospitals everywhere, doctors, dentists, appointments everywhere,

(10:37):
including self employed. And they are very strict on it
as far as the book must be available. This is
something that years ago it wasn't available and people didn't
really take much attention to it. But now you have
the right to call the police and they can register
the fact that that company has not given you that book.
So that's a little bit of authority, a little bit

(10:58):
of power for you on that one. Whether it will
do much good on the day, I don't know, but
it's worth for try and just normally the threat of
that is enough to get a little bit better service
at least. Okay, So live guests coming up in the
show right after this. You're listening to the Right Way
with me, David, right here on our Maria Radio one
oh seven point five FM. And we've got a live

(11:20):
resident guest in the show today again. Hi, Josh Williams.
How can you can you hear me? Josh?

Speaker 1 (11:26):
Well, yes, I can hear you.

Speaker 4 (11:28):
I can Yeah, good, good, Josh. Yeah. Lots to fit
in the show today, But Josh, some tips from you today?
What have you got for us today?

Speaker 3 (11:36):
Mate?

Speaker 4 (11:38):
Yeah?

Speaker 1 (11:38):
I mean it's obviously October, it's Halloween, it's the end
of the year. Is creeping up on us like that
that little pun there, David, Yeah, he's creeping up on us.
And October is the time when ascienders will start turning
quite quietly in the background, you know, before the year ends.
There are a few smart moves expats, British expats in particular,

(12:00):
can make to reduce their twoenty twenty five Spanish tax bill,
especially if you've got investments savings or have become tax
relaersdent this year. Especially, So little things like how your
money structured before the first of December, which is the
end of the Spanish tax year, can save considerable amounts

(12:21):
in well for or income or couples against tax next year.

Speaker 4 (12:25):
Sure. Sure, yeah, and as you said, they are thirty
first December. It's weird the UK is April, but here
is January to December and it I think it's third.

Speaker 1 (12:33):
Yeah, yeah, it makes more sense, you know. Yeah, the
year mix it overlaps and if you're moving, you know,
from the UK to Spain, then there's that sort of
time lapse, you know, that sort of double over from
sort of one taxia to the other in Spain that
it's the same tax year in the UK. So you've
got to be quite careful with that.

Speaker 4 (12:53):
Makes sense to make it from January to December, though
it's funny that Spain have got it right for once.

Speaker 1 (12:59):
The first Hopefully it's not the last either.

Speaker 4 (13:02):
Okay, great, well, so, so Josh, you know, I was
talking earlier about the you know, people who have got
properties here and that they need to even if the
people are living here in Spain, then they need to
be on the radar that the tax raidar, don't they
So you know, it's something it's always worth, you know,
making sure that you speak to an advisor and you know,

(13:23):
get get yourself on the radar, so to speak, because
you know, some years ago I spoke to somebody that
had got a tax building and it was a ridiculous
amount of thousands, and they said, well, we don't know,
and that we've retired here and that you have to
prove to the tax or visit you haven't earned that
sort of money, you know, and they can start investigating.
So you don't want to upset people like that. So
it's always good to get a legal expert of somebody

(13:45):
that's an expert like that on your finances and stuff
that can help you with any queries like that.

Speaker 1 (13:53):
Yeah.

Speaker 4 (13:53):
Yeah, and Josh, you know, you what are the things
just remind us again that the things that you can
personally help people with here listeners, So taxes, pensions, you
know that sort of thing. An investment's really joshing it, yeah.

Speaker 1 (14:07):
Pretty much. You know, it's that's sort of the broad
headline sort of services. You know, we do go into
quite deeper areas, you know, but broadly speaking, it's it's
making pensions, savings and investments more more efficient and more
tax efficient effectively for Spanish residents newly or or been

(14:28):
in for some time. And also you know, helping individuals
grow their wealth in a risk savvy or or low
risk way, so you know, not taking not sticking all
funds in the stock market, which is quite a bad
idea and wouldn't recommend that to most people unless they've

(14:49):
got that long time horizon. But you know, taxes, couple
of gains, income tax inhouses tax is a big one
as well. Help the people understand that and then how
to sort of reduced any liabilities because people need to
bear in mind UK as with the Spain rules of
change in the UK, how it affects non UK residents

(15:09):
with UK assets, So all these areas do need to
be looked at and just to understand if there's any
liabilities and if there are, how how do you get
around them?

Speaker 4 (15:17):
Yeah, make your pensions work for you. I's definitely going
to be giving you a chat a call and talk
to you about my pension, but that's going to be
a couple of years away yet. But so that you
know you've got the money sitting in the bank where
you're coming over here, there are ways that you can
speak to somebody like yourself to make sure that you're
getting the most out of your pensil money in it.

Speaker 1 (15:38):
Correct, Yeah, I mean, and what maybe are valuable today
to take advantage of it may not be available tomorrow.

Speaker 3 (15:44):
You know.

Speaker 1 (15:44):
We've got the UK budget, the autumn budget coming up
at the end of next month, at the end of November.
There's always engine raids and last year they did target
non residents of certain overseas engines. So it can change,
you know, so look at what the options are sooner
rather than later in case you know those options are reduced.

Speaker 4 (16:04):
Sure, yeah, yeah, things do change you quickly with regards
to financial stuff like that. So yeah, if you're interested
in getting some help and advice, Josh gives my listeners
a free consultation, so get in touch with Josh. I
leave his details in the comments section now. So thanks
very much for joining us today, Josh, and I'll be
seeing you in a couple of weeks time done in Maligo,
so looking forward to that now. Yeah, thanks for your help, Josh,

(16:27):
appreciate it all the best man.

Speaker 3 (16:33):
David Right help and advice for living and working in Spain.
You're listening to the Right Way with David Wright.

Speaker 4 (16:45):
So I was watching a programmer oy Day about Portugal,
and Portugal has seen a massive increase in British people
moving there and getting residency in buying properties in Portugal
because of Spain's protest last year. Really, so there's been
a lot of protests here in Spain over the last year,
street protests about the tourists and renting properties, mostly in

(17:08):
the big capital cities here are more populated areas, and
the reason for that is because the locals aren't able
to get the rents, not being able to get on
the rents buy or rent property in the big cities
for their work because the British people are snapping them
all up. But there's two ways to look at this,
and a lot of the I actually know a lot

(17:29):
of Spanish people that have got properties in these cities
in Madrid and also in Barcelona, and they cash in
on the fact that the British people are paying more money,
so they are putting the rents up, the prices up
to cash in on that. So you know, it's the
Spanish people, the Spanish owners that are actually doing this
to get the highest rents and the locals are not

(17:50):
able to get on that property. Ladder to even rent
the properties. But the other way around this is where
the way to look at it is that the Spanish
are brought in some very strict rules this last half
of the year that make it very very difficult now,
and I believe Barcelona have stopped all tourist rentals to
properties are being rented. They've not given out any licenses

(18:13):
and they're not giving out any more licenses in and
in future for rental property rentals in Barcelona. Now that
has helped the locals get on the rent They can
now rent the properties. But the thing is the British
aren't going there, so you're not going so many tourists
going there. They're not going to be spending the money.
So the locals that want to get these apartments because
they're working there, they're working the bars and restaurants, the

(18:35):
tourist industry. They've seen a bit of a slump in
the tourist industry. So yeah, it's catch twenty two minutes.
So there you go. So now I see that Spain
are doing a lot of promotional stuff now for tourists,
trying to get the campaigns going again to get the
tourists back, and they have called it in some of
the places they've called it get the Brits back campaigns
and so yeah, so they're trying to bring back the

(18:57):
British people they know who spends the money here. But
there you go. So it's a bit of a weird one.
I see both sides of it. A friend of mine,
a Spanish friend of mine, their daughter wanted a rent
in Madrid and eleven hundred euros a month for a
one bedroom studio apartment in Madrid. Eleven hundred euros, so
it's crazy and she was working there and studying at
the same time. But so yeah, a lot of the

(19:20):
new stricter laws for renting have come in now and
it makes it very very difficult for people with properties
to rent it out to tourists. So whether the tourists go,
they have to go to the hotels and especially designated
places that have got these tourist licenses that are in
the big cities. Are mostly in the big cities, but
it is quite difficult to get a tourist license for

(19:42):
renting your property out everywhere now. There's some strict rules
and regulations you have to go through. And I've done
this myself with my WAFE we've been through it. It
wasn't too bad where we are in our Maria. But
there's some pretty strict criteria you have to meet now
to get the license to rent your property out here
in Spain.

Speaker 1 (20:00):
Be aware of that.

Speaker 4 (20:01):
Don't do it backhand, that they are on the lookout
for it, and there are some massive fines if you
get caught. So do it properly, do it the right way. Okay,
time for Spanish one. Now this isn't anything to do
with the zombies or Halloween, but it's one I like. Well,
that's nearly it for the show again. This week time
has gone really fast Halloween nights. So are you doing

(20:22):
something fancy this weekend? You're getting out there doing some celebrations.
I'm expecting a load of kids coming around, so we've
got in a supermarket in a minute, get some sweets
so they don't throw the eggs at the house, and
give them some sweets instead. But there you go. So
thanks very much for listening to my show. I appreciate
all your comments, guys, and remember to go and check
out my new YouTube channel as a link in the

(20:42):
description now over in the comments section. Some great videos there,
help and advice on living and working in Spain and
also my experts help page. And remember I've got a
lot of experts I've gathered over my twenty three years
here and these experts can give my listeners a free consultation.
Lots of these experts for lawyers and state agents, financial experts,

(21:06):
visa experts, tax experts, you name it. I've managed to
accumulate these people and you can see videos that I've
done with these people. I've interviewed them and there's services
that they provide and I personally use all of them
or have used them in the past at some time
for advice or their actual services. So these are people
that I recommend and it could save you a lot
of time, money and stress. So make sure you go

(21:27):
and check it out. And that's all over on my
help page on the information page on David Wright online
dot com David Wright online dot com. Yes, so where
we going now? There's a five o'clock hit mixes up
next with Rob mac Just yeah, John, I just got
time to answer that one for you.

Speaker 2 (21:44):
Yeah.

Speaker 4 (21:45):
The rents here in Spain is some new rules and regulations.
Now you can't just stick the rent up. You can
put the rent up a small amount, but you can't
make massive amounts of increases on the rent. There is
some rules and regulations on that as well. I've got
that over on pormation page as well. So yeah, people
have done that before. They've tried to get people out
of the rent of property, so they've doubled the rents

(22:05):
up things like that. You can't do that now. There
is limits on how much you can increase your rents
here in Spain. And remember, like I said earlier about
the complaints book, if you've got any problems or anything
like that, threatened to see the complaints book and put
an actual complaint in it could help you in the
long one.

Speaker 2 (22:21):
So you go.

Speaker 4 (22:21):
Thanks very much for listening, guys, see you next week.
Have a great weekend.