Who’s Afraid of The ‘Big I’?

Who is afraid? – Starting close to home: a group of UK retirees in Bali using their UK state pensions to fund their twilight years! Who else? –  Any retiree anywhere on a fixed pension or annuity –  People with small incomes –  Owners of government or corporate bonds –  People holding large cash deposits […]

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Managing Your Money in A Pandemic

For expats dealing with tax authorities, other government departments, banks and other financial institutions in their home countries, life has become more and more complex in recent years. It is a particular challenge for the older generation who did not grow up in a digital age. If expats lived in their home country they might […]

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Planning a Financial Recovery From Covid-19

The deserted streets, empty hotels and closed businesses have become a familiar sight in Bali and other places around the world that rely heavily on tourism for survival. Initially there was disbelief, then for a short time, hope that the pandemic would be short-lived. But soon reality set in and many despaired that this situation […]

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When Investing Becomes a Casino

2020 was a tragic year for those who fell victim to Covid-19. Hundreds of thousands globally lost their lives while millions more lost their livelihoods. Few parts of the world escaped its grip; Bali has been among the worst affected and the misery is not yet over. Yet some have benefitted. Industries and businesses that […]

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Financial Resolutions For A Better Year

Firstly a Happy New Year to all readers of this column! When I expressed the same wish at the start of 2020 I never imagined how the year would become a nightmare for billions of people across the globe. In December 2019 the coronavirus was just a breaking story in the unheard of city of […]

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Winners and Losers During The Pandemic

It is not difficult to get depressed when we see how the pandemic has struck down so many and disrupted the lives of many more around the globe. But let’s start on a brighter note, namely the approval in several countries of the first fully-tested vaccines which in theory should bring the nightmare of the […]

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What a Biden Victory Could Mean for Bali

At the time of writing the US presidential election is all over bar the shouting, or should I say sulking. President Trump is refusing to accept a fair and clear defeat and is instead claiming massive voter fraud without a shred of evidence to back the claim. The president and his team appear to have […]

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Sustainability – The Key to Survival

The coronavirus has been a wake-up call to a world that has been brought almost to a standstill by its impact. It has caused chaos in developed and developing countries alike and all but destroyed global travel and tourism, the industry most vital to Bali. The disruption to work, travel and the lockdowns has also […]

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Have You Planned For Longevity?

With the pandemic affecting all aspects of our lives thoughts are mainly focused on how we are going to get through this period. Survival is the first instinct that motivates us. Planning comes way down the line in the list of life’s priorities. Nevertheless, we have to convince ourselves that we are going to pull […]

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Actions Needed Before The Pandemic Is Over

Financial planning may not be uppermost in your mind if your business is no longer functioning or you have lost your job and are struggling to make ends meet. I have not been to Bali since before the pandemic was fully acknowledged in Indonesia, but I hear plenty of distressing stories from friends and clients […]

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