• THAILAND

  The underlying costs of having children

  Spectrum, Andrew Wood, Published on 24/08/2014

  » Children are expensive. We hear this all the time from any parent. There is no getting away from the fact that if you start a family your life changes in almost every way. For many, their uppermost thoughts are that their social life will transform into something new; there will be sleepless nights, while changing nappies and feeding become 24/7 tasks that quickly turn into tiresome chores.

• TRAVEL

  When the expat shoestring breaks

  Spectrum, Andrew Wood, Published on 18/05/2014

  » Asia is tantalisingly attractive and living here makes us feel elated and happy. The carefree lifestyle can distract us from the realities of unexpected events. This can become a trap, leaving you financially vulnerable and exposed.

• TRAVEL

  Personal protection expats should have

  Spectrum, Andrew Wood, Published on 23/02/2014

  » Many expats sincerely believe that mishaps and accidents will never happen to them. They continue their daily lives almost in oblivion and never think of the consequences of sickness or accidents. It is only when someone becomes the victim of a life-changing event or witnesses the devastation it can cause — maybe to a friend or family — that they actually realise and accept that this actually happens to real people.

• THAILAND

  Essential insurance planning

  Spectrum, Andrew Wood, Published on 09/03/2014

  » Hoping for the best is not the same as planning for the worst. Making provisions for eventualities that could happen to you is a very serious business.

• THAILAND

  Why it's never too early for the young expat to start planning

  Spectrum, Andrew Wood, Published on 13/10/2013

  » The younger expat community is growing in Southeast Asia, attracted by the opportunities on offer in one of the fastest-growing regions in the world. This downward trend in age has also revealed a more prevalent integration of expats into local communities. They have left their welfare states behind and are catapulting into the future with enthusiasm. But what provisions must they make for the financial challenges they will face in the future? A more independent lifestyle also carries with it the responsibility of taking care of their own long-term financial independence.

• TRAVEL

  Young expats need to take an interest

  Spectrum, Andrew Wood, Published on 27/10/2013

  » Financial planning for the young expat _ what does this really mean? The last Net Worth column on this subject stimulated a number of queries. Most of these revolved around the practicalities or creating financial reserves and their use during retirement.

• THAILAND

  Do you really understand your investments?

  Spectrum, Andrew Wood, Published on 07/04/2013

  » Many expat investors believe they are well informed when in reality they would have a difficult time explaining the risks and opportunities of investments they have made. Why? Do we believe we know it all just because a quick Google search throws up a plethora of information?

• THAILAND

  Expats beware: Your taxman never sleeps

  Spectrum, Andrew Wood, Published on 03/02/2013

  » Taxation rules for expats are becoming more complicated as their home governments make increased efforts to raise revenue and improve tax compliance. If governments had acted in the same manner as financially prudent individuals, we might not have landed in the mess we have been facing for the past few years.

• THAILAND

  Expats beware: New UK tax residency tests

  Spectrum, Andrew Wood, Published on 17/02/2013

  » New and complex rules relating to tax residency in the United Kingdom have been proposed. By allowing more specific determination of tax residency, they add clarity but cast the tax net wider. So, who is the beneficiary here: you or the UK taxman?

• THAILAND

  How long will your pension last when you retire?

  Spectrum, Andrew Wood, Published on 10/03/2013

  » We tend to assume that current realities will remain unchanged, yet the only constant is change. Are you comfortable today with what you have, based on current cost of living, exchange rates, inflation and investments? Will your pension last in retirement?

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