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Showing posts with the label taxes

Let justice be done

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I don't usually know what your average Spaniard is talking about as they chat with the neighbours, keys in hand outside their house or have a drink after work in the bar. It's easy enough for me to ask real Spanish people real questions but asking for answers isn't the same as knowing what people talk about spontaneously. Of course the traditional media, newspapers, television, radio and the social media probably reflect what's going on in the street but not necessarily so. There has been one constant in the news for months. Cataluña. Every morning as I do those things that you do in the morning in the bathroom listening to the radio and as I move to the kitchen for my breakfast tea and toast I hear the pundits sounding off about Cataluña. There are lots of other things in and on the news but Cataluña just keeps coming back and back. Maybe they should start to have a section for Cataluña similar to the sports slot or the stock market updates. I have no idea about Ca...

Tax burden

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Today is the first day that we Spanish tax payers have been able to sort out either under or over payments in the 2016 tax year. The Spanish tax year is the calendar year. Everyone, resident in Spain, who earns over 22,000€ or has more than one source of income, has to make a tax declaration. If you earn money from more than one source you don't need to make a declaration if you earn less than 12,000€. The declaration is on worldwide income. What happens is that the tax office, Hacienda to you and me, sends out a thing called a borrador, a draft assessment. Once you are on the website you can check if the borrador looks fair enough. If you have just one job with one salary and things are pretty much as they were last year you may have to tweak a few things but, chances are, that the borrador will be close to the truth. For quite a few years all I did was to have a quick scan and press the accept button because Hacienda usually sent me back a few euros. If your situation is a ...

What that Franklin chappie said

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I don't really mind taxes. That doesn't mean that I like handing over my hard earned but I approve of the idea. I'm much keener on the model where we pay the taxes and, with them, our governments attempt to provide healthcare, education, infraestructure and all the rest than I am on the model where everyone looks out for themselves and to hell with the rest. Anyway. For the past six years or so I've been getting a pension from a final salary pension scheme that I paid into for most of my UK working life. Because that money comes from a quasi government source the agreement between Spain and the UK was that it was exempt of Spanish taxes but taxed, at source, in the UK. Normally Spanish residents have to pay tax on their worldwide income here. In reality my pension is so small that it has never exceeded the personal UK allowance so, although Customs and Revenue send me coding notices and I get P60s and what not, I don't actually pay any tax on it. I also have a p...

Professionalism

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It's probably some sort of jingoism on my part but I can't say I'm that impressed by the professionals that we have occasionally used here. By professionals I don't mean doctors or mechanics or plumbers or builders. They seem fine or at least just normally inept. No, I'm talking about the sort of people who work from offices and should wear suits - architects, lawyers, accountants, bank workers and the like. A friend of ours was going through a divorce. The lawyer forgot to tell her that the divorce had been granted. Right on the ball then? When we first got here we hired a lawyer to sort out our residence papers. We thought we could do it ourselves but to avoid hassle we paid a professional. Unfortunately the lawyer was completely unaware that the legislation was changing. He went through the tried and tested process but, by the time we went to collect the documentation, it no longer existed. We'd paid upfront. There was no talk of a refund. We did...

Evading tax

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I got a letter from the tax people yesterday. Now letters from the tax people are not written in normal, everyday Spanish. They are Brontesque in style. With the envelope ripped open and the single page scanned it looked bad. There were lots of words I didn't understand but it was clear that the Revenue, Hacienda, were unhappy about the tax I'd paid on my pension. Tax people can be nasty. Tax people take your house and send you to prison when you're naughty. Unless of course you are very, very rich in which case they are extremely nice to you. I explained my situation last year in a post on Life in La Unión  Just a quick recap. Normally, if you are a Spanish resident, your worldwide income is taxed in Spain. However, I have a local government pension from the UK and there is an agreement between Spain and the UK that government pensions are taxed at source, in the UK. So far so good but where I turn into Al Capone is about my additional voluntary contributions. They pr...

Nothing in particular

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It's raining. It's rained quite a lot in the last couple of weeks. We've forgotten all about the drought which lasted from last winter through to a few weeks ago. Usually, though not today, it rains overnight which is very civilised. I can't pretend that it's warm but it isn't cold either - at least not outside. Generally we're into the mid to high teens during the day but with sun and blue skies so it feels pleasantly warm. Overnight we're down at 7ºC or 8ºC maybe. I expect it will turn cold in December, it usually does. The pile of leaves that have just started to clog our drive suggest that Autumn has finally arrived. And its getting dark just after six in the afternoon. Considering it will start to get lighter again just before Christmas that's not too bad. So outside, in the fresh air everything is as it should be. Inside the house of course it's miserable. On the front page of today's Alicante paper there's a headline which say...

Separate to save

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Apparently, on average, we Pinoseros - the population of Pinoso - produce 500 kilos of rubbish each year. Of that just 28 kilos is recycled. Rubbish collection isn't done on an individual basis as in the UK. Instead there are big rubbish bins placed at strategic positions in the villages, towns, cities and throughout the countryside. Individual householders have to carry their household rubbish to the bins. Collection in the towns is usually every night whilst in Culebrón collection is twice per week. There are recycling bins too. Generally it's green for glass, blue for paper and cardboard and yellow for containers. There isn't discrimination within those three categories so the empty shampoo bottles, the tetrapaks and pop cans all go in the yellow container. Green, blue, clear and brown glass all go in the green container. I'm told that people have jobs separating the different classes of waste but any time I've ever talked to Spaniards about this the majo...