For all your insurances under one roof in English offering the cheapest quotes on the coast with the most competitive and friendly service!! Renewal due? Give us a call!!!
Life cover – Bank life cover
We have received several calls this month from clients looking to change their life insurance, currently with their Bank and paying extortionate rates. If you have a renewal due that is with another company or through your bank let us quote to see if we can reduce your premiums. In some cases we have managed to save clients 100s of euros per year!
Cashback Campaign– till mid December only
We still have our Cashback campaign running till 20th December for existing clients and new clients offering 40/60 euros cashback for any NEW policy for car or home taken out with Liberty with a start date of 20th December or before. Premiums for car insurance has to be over 400 euros and home insurance over 200 euros a year and must be paid by direct debit through your Bank. If you have a second car coming up for renewal with another company or want to change your home insurance to Liberty, then you would qualify for the cashback! (Not for replacements or renewals)
Pensions for Ex-Pats living in Spain and Brexit
There has been an agreement for all British pensioners who live in the EU will continue to see their state pension payments increased each year after Brexit, the Government has indicated.
There had been fears that millions of expats who live in Europe would see their pensions “frozen”, meaning their value would be steadily eroded over time. This is the situation in countries such as Canada, Australia and New Zealand, where British state pension payments to expats are not increased each year in line with inflation.
But an official update, published quietly last month, confirms that the British government intends to continue increasing state pensions to expats in the EU after the UK leaves the EU in 2019. The update showed that Britain and the EU had the same position on annual increases: that they would continue to be made as now after Brexit. (The Telegraph 13 Sept.)
Brexit healthcare deal is ‘good news for pensioners’
Brexit negotiators have agreed to maintain reciprocal healthcare for British and EU retirees affected by Brexit
The deal applies to British retirees living in other EU countries, and people from those states who have retired in the UK. British pensioners who have retired to other EU countries will continue to have their healthcare paid for by the NHS post-Brexit, after a deal in principle was agreed by negotiators in Brussels.
In one of the few advances made in discussions about EU citizens’ future rights, the Brexit secretary, David Davis, said there had been agreement on four key areas, including reciprocal healthcare for British and EU retirees affected by Brexit.
“This is good news for British pensioners in the EU,” he said.
Other areas of agreement included protection for “frontier workers”, those who live in one EU member state and work in another. This would include people who live in the UK and commute to Europe, or Britons settled in one country, for example Germany, who commute to work in another, say Luxembourg. (The Telegraph 13 Sept)
Christmas Dinner Spain – v – Christmas Dinner UK
Wherever we are in the world Christmas is celebrated with family and friends (hopefully) and an abundance of food and possibly the odd tipple…. If you are in Spain for Christmas there are certain different foods on the menu…
In the UK our traditional Christmas menu consists of Turkey and cranberry sauce or Chicken or other roasted meats with roast potatoes, 2 veg, gravy and Christmas Pudding or Mince pies…
In Spain, Christmas Eve is called La Noche Buena or The Good Night and is celebrated with a large family feast that is eaten late in the evening and lasts a couple hours. It is more important to Spaniards than Christmas Day. Spaniards exchange their Christmas Gifts 13 days after Christmas on January 6th and there is more celebrations then too with a cake made to resemble a King’s crown.
The popular dishes for a Spanish Christmas include cold meats, soft Goats cheese and Manchego, Pate and crackers and various types of sausages. Seafood and Seafood soups are popular with boiled shrimps as classic examples eaten with warm crusty bread. Homemade Cheese puffs are also popular.
Main course is generally traditionally Turkey but it is normally stuffed with a mixture of nuts, dried fruit and grated cheese. This could also be accompanied by roast lamb or pork too. Salad is also served in many different varieties.
Sweets or Puddings?
Chololate sponge cake rolled in a log with fondant and cream is popular and almond based sweets. Orange Olive oil cake is also a popular sweet addition at Christmas.
All washed down with sherry or beer!
However you intend to celebrate Christmas, eat , drink and be merry!!
For all your insurance needs in Plain English call us:-
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You will need to be completely fluent (spoken and written) in both English and German or English and French, with Spanish an additional benefit but not mandatory. If you live in and around the Malaga province this is a great opportunity to work from home for a stable international business together with all the benefits of a full time contract.
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Ruth Forder, Business 1st member, La Cala was running at the London marathon – her time was 4.55, she secured her place, with her running mate, Andrew Barton for Prince’s Trust. Well done Ruth from all of us at Business 1st!!!
Money is still coming in so if you would like to support please go to Virginmoneygiving/ Ruth Forder
Think about your eyes on World Health Day
Specsavers Opticas on the Costa del Sol are offering free eye tests including a visual health check throughout April for World Health Day.
The stores in Marbella and Fuengirola are offering the service for free to raise awareness about the different medical conditions which may be detected using optical equipment and to make people think of an eye test as an important health check, not simply as a test to see whether you need glasses.
Amrik Sappal, Director of Specsavers Opticas in Fuengirola says: ‘The equipment we use is now very advanced and doesn’t just test people’s vision, it’s an eye health check too. We do specific checks for things like cataracts, glaucoma and macular degeneration and can now photograph the back of the eye using a digital retinal camera, which combines a specialist microscope and camera. This enables us to detect the signs of a range of important health conditions before they become serious.” If necessary, the optician can refer patients directly for further medical examination to their hospital or general practitioner.
Recent research undertaken by Specsavers revealed that millions of people are risking losing their sight unnecessarily because they fail to have regular sight tests and make poor life style choices. Almost half of all sight loss cases are preventable – and a simple eye test can be the first step in prevention.
“Take a step to safeguard your health and eye sight and book a free eye test this World Health Day!” adds Mr Sappal from Specsavers Opticas Fuengirola.
All Specsavers Opticas stores in Spain now offer digital retinal photography as part of their complete eye examination. Visual health checks with digital retinal photography are usually 15€, but are free throughout April.
To find your nearest Specsavers Opticas and book a free eye test visit www.specsavers.es
Depression is one of the most serious health risks in the modern world. While it doesn’t come close to reaching the top 5 killers (that would be cancer, stroke, heart, lung and liver disease). It can be debilitating and completely ruinous for the lives of those who are affected by it directly or indirectly.
As such, anything that shows promise for helping reduce or even remove depression is worth talking about, and the aptly named ‘SMILES’ study seems to be providing us with some conversation points.
The idea behind this study was very simple: Two groups with mild to severe depression were randomised to receive one of two interventions.
* The first group received a course of social support known as befriending. They underwent a course of social meetings involving conversations which interested the participant and games. This is a common control method for psychological trials as it is positive. It engages people in something productive and it allows them to socialise but it does not involve psychotherapeutic methods.
This group basically stood to be sure that the results of the trial didn’t occur simply because the participants had somewhere to go and someone to talk to.
* The second group underwent a dietary intervention (lots of complex starches, pulses, vegetables and fruits, moderate lean protein, fish and red meat consumption, eggs, olive oil and limited alcohol). They were asked to set goals, underwent motivational interviewing and were held accountable. The diets were ad libitum as this was not a weight-loss trial, however, the participants were focusing on eating healthily, focusing on whole foods and – critically – ENJOYING their meals by making them palatable.
One cool thing is that the dietary group completed the trial a lot more reliably than the control group which had a high dropout rate (93.9 vs 73.5% completers respectively) meaning that the dietary process was engaging for people with depression, and (I would speculate) the process of setting and achieving goals potentially made things seem more worthwhile.
The big result though? After 12 weeks, 32.3% of the dietary group had achieved remission, compared to just 8% of the control group. That is astounding!!!
Of course this study didn’t have a HUGE sample size (67) and some other issues which are mentioned in the discussion, but it’s absolutely worth thinking about.
So whether it was due to the goal setting and feeling of purpose, because of the enjoyment of meals, because of the reduction in alcohol or because of the nutrients and impact that reducing processed junk while increasing whole foods can have on neural chemistry, I don’t think it matters.
What matters, is that depression can kill. If it doesn’t kill, it can destroy lives.
And implementing a goal-focused nutritional strategy that doesn’t focus on body composition but on simply improving nutrient intake just might help. Not only that, it appears engaging and sustainable for those who take part.
And that, my friends, is pretty damn cool.
Personal Trainer & Nutrition Coach
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