Latest from Melanie Nutbeam
My husband and I have owned our flat here for more than 35 years. For succession planning, we would like to add the names of our two children (living and working abroad) to the title deeds of the property. Would this involve any duty or tax at any stage and, if so, would it be wise to do it in the current financial climate? We are about to start making our wills.
My husband and I have owned our flat here for more than 35 years. For succession planning, we would like to add the names of our two children (living and working abroad) to the title deeds of the property. Would this involve any duty or tax at any stage and, if so, would it be wise to do it in the current financial climate? We are about to start making our wills.
My wife and I are British/Irish. We plan to sell our property in Hong Kong and use the money to retire to Britain. Should we look for an adviser here or in Britain and what steps should we take?
My wife and I are British/Irish. We plan to sell our property in Hong Kong and use the money to retire to Britain. Should we look for an adviser here or in Britain and what steps should we take?
Recent events in Cyprus remind all of us that you cannot always count on the cash in the bank. It is vulnerable to bank runs, financial crises, institutional failures and government edicts - of which recent Asian history provides many, many examples.
Recent events in Cyprus remind all of us that you cannot always count on the cash in the bank. It is vulnerable to bank runs, financial crises, institutional failures and government edicts - of which recent Asian history provides many, many examples.
My wife and I are permanent residents and jointly own our home. We have separated and I would like to buy my own flat. Will I be exempt from the new higher stamp duties?
My wife and I are permanent residents and jointly own our home. We have separated and I would like to buy my own flat. Will I be exempt from the new higher stamp duties?
Rising property values have increased our equity in our Hong Kong home. We are thinking of increasing our current home mortgage to buy a property in Britain or Canada. We are in our mid-50s and plan to repay the loan from the sale of our Wan Chai investment flat when we retire at 65. This flat is mortgaged to about 70 per cent of its value. What do you think?
Rising property values have increased our equity in our Hong Kong home. We are thinking of increasing our current home mortgage to buy a property in Britain or Canada. We are in our mid-50s and plan to repay the loan from the sale of our Wan Chai investment flat when we retire at 65. This flat is mortgaged to about 70 per cent of its value. What do you think?
How is financial planning different for women?
Women generally earn less than men, earn over shorter periods, and live longer. This means they face greater challenges accumulating the wealth needed for financial security throughout retirement.
How is financial planning different for women?
Women generally earn less than men, earn over shorter periods, and live longer. This means they face greater challenges accumulating the wealth needed for financial security throughout retirement.
We arrived in Hong Kong a few months ago. My partner's initial contract is for two years with another two likely after that. Do you have any personal finance tips for us, or comments on pitfalls to avoid?
We arrived in Hong Kong a few months ago. My partner's initial contract is for two years with another two likely after that. Do you have any personal finance tips for us, or comments on pitfalls to avoid?
I'm 45 and my annual health checks are great with no hint of the heart problems that killed my Dad and his Dad. My wife is 47 and in good health but smokes. My employer provides generous medical benefits for the family. I love my job and have no plans to move but my industry is fickle. Should I look for some sort of back-up cover?
I'm 45 and my annual health checks are great with no hint of the heart problems that killed my Dad and his Dad. My wife is 47 and in good health but smokes. My employer provides generous medical benefits for the family. I love my job and have no plans to move but my industry is fickle. Should I look for some sort of back-up cover?
Should I consolidate my MPF accounts?
Regardless of the sum in your Mandatory Provident Fund (MPF) accounts, it's worth considering consolidation. The MPF Authority (MPFA) is on a mission to encourage people to do this. There are over two million scheme members and four million accounts. You, and all scheme members holding multiple accounts, will soon receive a letter from the MPFA recommending consolidation.
Should I consolidate my MPF accounts?
Regardless of the sum in your Mandatory Provident Fund (MPF) accounts, it's worth considering consolidation. The MPF Authority (MPFA) is on a mission to encourage people to do this. There are over two million scheme members and four million accounts. You, and all scheme members holding multiple accounts, will soon receive a letter from the MPFA recommending consolidation.
We have property in Australia and a bit of superannuation there. Was there anything arising from last month's federal budget that we should be aware of?
We have property in Australia and a bit of superannuation there. Was there anything arising from last month's federal budget that we should be aware of?
Life is a lottery. Why bother with financial planning?
Life is a lottery and, even for the most controlling, mostly beyond our control. All we can hope for is to manage the odds and relish the evens.
Financial planning is, at least, risk management and, at best, wealth enhancement.
Life is a lottery. Why bother with financial planning?
Life is a lottery and, even for the most controlling, mostly beyond our control. All we can hope for is to manage the odds and relish the evens.
Financial planning is, at least, risk management and, at best, wealth enhancement.