22 Apr 2013 5:59 PM:

It is my opinion that many , many investors do not actually understand what their true attitude to risk really is as if that is the case then the larger majority of invesmtents made are most oorbably not going to be suitable over the longer term. 

With any investment there are only two main areas that will affect the overall outcome, these are

a) the charges / costs

b) the fund performance

it is pointless having for example 10% pa grwoth if the charges are 7% per annum and similarly vicea versa.

As a rule of thumb the higher the potential return the higher the risk.

Thread: HIGH INTEREST INVESTMENTS

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12 Dec 2012 7:50 AM:

There are golf courses ad there are golf courses! 

Firslty if booked through a local agent they can be far less expensive per round, secondly a lot depends on what a golfer will pay as the spanish mentality albiet changing slighlty over the last two years used to be that if it coast 10,000e per day to maintain the course and they had only one player would have been  o charge him the 10,000e!

 

Parado by Malalga airp[ort is or exmaple one of the least expensive and is one of th eponly ones that is flat and that you an walk the round instead of having to take a buggy.

Torrequebrada is another well known course but in my opinion (9 handicap) overpriced, a lot of oourses in Spain use the natural contours that are already there meaning that you hit a good shot dow the middle and it simply rollsof into the rough! 

Mijas has 2 good curses

you could travle say 20 mins up the toll road towards Estepona as imo thi is where th st ourses are situated

finca cortesin

san roque

valderama

sotogrande

being four genuinely "special courses"

 

 

 

 

Thread: Golf Courses on the Costa del Sol

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12 Dec 2012 7:38 AM:

18,623e  for £15,000 at 7.20 this morning 

Thread: transferring money

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30 Oct 2012 6:58 AM:

Nearly every Spanish Lender will ultimately hand your account over to your nearest branch where they all have an english speaking person, 99% have telephone and internet banking in english

Thread: To Mortgage or Not to Mortgage

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23 Oct 2012 3:10 PM:

What is of ultimate importance is the end result, many UK banks will state "we do not charge commission" and that is true they do not HOWEVER the exchange rate they offer is particularly poor!

Many foreign exchange companies do charge a commission or fixed fee which whilst as it is a competitive arena may seen small it has a larger impact on smalerl transactions than larger ones.

Worldwide I suppose my clients transfer in excess of £5m in one of large payments and small monthly payments, Moneycorp, HIFIX and Curencies Direct tend at any time to be market leaders so we have stayed wit Moneycorp as they provide excellent service and I only deal with one person, they also have an excellent new product called "travel money" and if you are nipping of for a last minute weeked etc they can deliver directly to your home at a decent rate.

 

Thread: transferring money

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