Simple - (deeds extract) now in
Lawyer - Inheritance Tax, Wills, Probate
author Dave Bull releases new book...
In 1999 Dave Bull reluctantly moved to Alicante with his
wife and his 7 year old son to start a new life. Now it’s Spain
2010.... where it’s considered dangerous to change lanes on a
roundabout but ok to buy a chainsaw in ALDI! In his book - It Just Is - local ex-pat and entrepreneur Dave Bull takes a
hilarious look at life as an expat in Spain...
Why do Brits behave differently when they move to Spain?
And what are the funny (and sometimes annoying) differences in
culture between us and ‘them’? Dave found out the hard (and funny)
way. Released on amazon in paperback and Kindle
version, click here
site THE PADRON
Dying in Spain
Owning and driving a car
Play Spanish Primitiva
Lottery on-line... Every Thursday &
Saturday for 1 Euro per selection (plus IVA).
reputable and long established Spanish on-line lottery
site. Please note that you will need to provide credit
card details or bank account details to enrol
on-line. Click here to go to
the secure site
IF YOU FIND YOURSELF IN THE
POSITION OF BEING IN A SPANISH COURT EITHER ON A CHARGE, AS A
WITNESS, OR TO FILE A COMPLAINT, THE VALENCIA JUSTICE MINISTRY WILL
NOW PROVIDE YOU WITH AN OFFICIAL TRANSLATOR FREE OF CHARGE. TO
TAKE ADVANTAGE OF THIS YOU MUST EITHER TELEPHONE, OR, GO TO THE
COURT THAT YOU HAVE BEEN ASSIGNED TO AND TELL
THEM THAT YOU NEED A ENGLISH
TRANSLATOR TO ASSIST YOU.
Banks dumping their toxic real estate
assets on the market at big discounts...
I thought it might be useful to provide a list of the
bank repossession websites. The banks are now the biggest
estate agents in Spain, with many of them offering 100% mortgages
just to get properties off their books.
Some of the banks have lopped 25-30% off their asking
prices. Banesto seem to be one of the few banks with prices that are
starting to look realistic. Here is the list:
- bbva servicios
particulares (bbva): http://www.bbvaservicios.com/portal/particulares/
- procam (caixa catalunya): http://www.procam-inmobiliaria.com
- reser subastas (caja madrid): http://www.resersubastas.com
- quermes (cajasur): http://www.quermes.com/
- altamira santander real estate (banco
- portal inmobiliario (caja canarias): http://portalinmobiliario.cajacanarias.es
- casaktua (banesto): http://www.casaktua.com
- servihabitat (la caixa): http://www.servihabitat.com
- oportunidades cam (cam): http://www.oportunidadescam.es
- aliseda gestión inmobiliaria (banco
- solvia gestión inmobiliaria (banco
- ahorro casa (ahorro corporación soluciones
- revalua (Caixa Penedès) : http://www.revalua.es
- anida (bbva): http://www.anida.es
Procedure for registering a Spanish
put you in touch with a local company that specialises in
this, for more information please send an email to: email@example.com
D I Y: The first thing you will need
is a contract in Spanish which is signed by both the seller and the
purchaser. The stated price must be in Euro's.
office in Alicante have samples of a typical contract if you
need a template to work from. A Transmission form must also be
signed, which provides the new owner's details, and a form 620
completed in order to pay the 4% transfer tax. The Permiso de
Circulacion and Ficha Technica documents are required - these are
the log book and MOT record equivalent for the vehicle. The Permiso
de Circulacion should be completed and signed on the back by the
seller, and, if the car is over 4 years' old, it must have a current
ITV test (MOT) documentation, (the details of which should be
stamped on the back of the Ficha Technica). The Road Tax must be up
to date, so the latest Impuestos Vehiculos Certificate should be
included with the paperwork. Trafico will require a photocopy of the
seller's Residencia, or a photocopy of the passport and original NIE
form if they do not hold a Residencia card. The buyer must provide
their original Residencia, or their original passport and NIE form
if they are not Residencia holders. Non resident purchasers must
also prove their address, and the preferred method is to include a
Certificate de Empadronamiento with the other documents. This can be
obtained from your local Ayuntamiento (Town Hall). Alternatively,
you can use your Escritura to show your address, but it has to be
the original registered version; a copia simple will not be
All the above
documents must be presented to the Trafico Office as soon as
possible after the purchase has taken place. The Trafico office
transfer fee is around 50 Euros. The transfer tax must also be
paid and this can be anything from 29 Euros for an old car to up to
200 Euros for a car registered since the year 2000. It is quite a
complicated procedure and to attempt this yourself can be very
frustrating. It would advisable to enlist the assistance
of someone who is conversant with these matters, a spanish Gestor is
someone that specialises in this kind of work for a
fee, an average amount for this service is 150
To Register with
Citizens living in the urbanisations of San Fulgencio
must go the medical centre in calle Amsterdam in La Marina
urbanisation. You will need to take copies of your Residencia
certificate, the card you received from the INSS office, and, an
up-to-date certificate of
Padrón. As with anything else in Spain it is advisable to
take copies of all your official documents with you as they
frequently change the goalposts. You will be issued with a
temporary SIP card. Once you have received this take it
to the medical centre where they will apply the name
of the doctor and stamp it accordingly.It takes approximately 6
months for your official SIP card to arrive.
The EHIC has replaced
the old E111. From 1 January 2006, E111s are no longer valid. For
more information, and for the quickest way to get an
EHIC Click Here
FORM E106 - is to cover people lower than "PENSIONABLE
AGE" who are going to stay in another EC country for a longer period
of up to 2 years. The cover is similar to that of
an E121, and has similar conditions except for age - and
pharmaceutical expenditure that has to be paid for by yourself.
E121 - is for a person who receives a
UK state pension. (Although pensionable age comes into it, it really
depends on whether you have paid enough NI contributions on
employment to receive a UK state pension. So receipt of a state
pension is the criterion that defines whether an E121 can be
issued.) If one spouse can qualify for an E121 then no matter the
age or pensionable affairs of the other half, he/she can also obtain
an E121 as a dependant. (It used to be that they would be added to
their partner's E121 but this has now changed and they should get
their own separate E121).
STROKE RECOGNITION: Remember The 1st Three Letters....
It only takes a minute to read this...
says that if he can get to a stroke victim within 3 hours he can
totally reverse the effects of a stroke... totally. He said
the trick was getting a stroke recognized, diagnosed, and then
getting the patient medical treatment within 3 hours.
Remember the 3 steps, S.T.R.... Read and
Sometimes symptoms of a stroke are difficult to identify.
Unfortunately, the lack of awareness spells disaster. The stroke
victim may suffer severe brain damage when people nearby fail to
recognize the symptoms of a stroke .
It is said that anyone can recognize a stroke by
asking three simple questions:
S - Ask the
individual to SMILE.
T - Ask the person to
TALK and SPEAK A SIMPLE SENTENCE (i.e. It is sunny out there
R - Ask him or her to RAISE BOTH
If he or she has trouble with ANY ONE of these tasks, take
them to hospital or call for an ambulance.
Another indication of a possible Stroke -------- Ask the
person to stick out their tongue, if the tongue is 'crooked', or if it goes to one side,
this is also an indication of a stroke.
Blanca - one of the healthiest climates in the
WHO (World Health
Organisation) has described the Costa Blanca as the area with the
healthiest climate in Europe and one of the healthiest living
environments in the world with an average 320 days of sunshine a
Summers are hot and sunny, but not normally uncomfortable
with average temperatures 32ºC in July and August with gentle
Winters are exceptionally mild, protected by
surrounding mountains to the north and west with average
temperatures of 17ºC even in January.
The northern part of the
region with a curtain of mountains that runs parallel to the sea is
relatively green and peppered with groves of orange and olive trees
along with colourful orchards of almonds and
The southern end of the
Costa is much flatter and drier and famous for having the biggest
palm gardens and salt flats in the whole of Europe. Beaches with
sand dunes and backdrops of beautiful palm, pine and eucalyptus
You and the Law in Spain by David
Searl, Santana Books, 84-89954-22-4
This book is important
reading for anyone thinking about moving to
Spain, essential reading if you live here. It is revised almost
every year and is the most accurate and up to date book available.
The latest edition even covers the new traffic laws introduced in
Living and Working in Spain by David
Hampshire, Survival Books.
This book also covers the legal
side but is much better for the nitty-gritty of living in Spain. For
instance it even explains the format of a Bullfight and describes
all the major lotteries!
Buying a Home in
Spain by David Hampshire, Survival
Buying a Home in Spain is essential reading for anyone
planning to purchase property in Spain and is the most comprehensive
and up-to-date source of information available.
The Complete Guide to Buying a Property in
Spain by Anthony
Property Search Spain.
Written by an Englishman who
has lived in Spain for 19 years and worked in the Spanish Estate
Agency business. This book explains the mechanics of buying or
building a property in Spain in detail and on what should be
included in any contract you sign. For those wishing to build their
property or even extend their existing one it covers building
licences and even gives the fines for
Practical Gardening on the Costa
Blanca by “Greenfingers”. ISBN
Mediterranean Gardening – A waterwise approach by
Heidi Gildemeister, Editorial Moll, 84-273-0749-7 An excellent book
with good photos. It concentrates on which plants are
suited for which conditions, particularly those that require little
Gardening in Spain by
Marcelle Pitt, Lookout Publications
A basic “How to do it” guide
– drawings rather than photos but well priced.
The novel which won the first ever Premio De Novela
Ciudad de Torrevieja:
Javier Reverte “La Noche
Detenida” ISBN 84-01-32913-2
These books should
be available from Bargain Books in