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Essingen
Posted on: 26.Oct.2013, 08:18 AM





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A scheme was somewhat reluctantly introduced in Sweden a couple of years ago, with some of the terms being identified in the previous entry. The organisation receiving the gift must have been approved by the Swedish Tax Agency, who will then report the donation as a "kontrollupgift" and it will then appear pre-printed on the tax declaration of the person making the gift.

The charity has to pay to get the approval and its activities must meet some critieria. This means that it will be only of interest to the largest charities.

All in all...it is a waste of time and reflects the fact that Sweden felt pressurised into doing something because virtually every country in the world allows you to offset charitable deductions against tax.
  Forum: Life in Sweden · Post Preview: #821271 · Replies: 2 · Views: 8,425

Essingen
Posted on: 24.Oct.2013, 04:06 PM





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A limited liability company (AB) requires share capital of SEK 50,000. If you haven't got this, you need to re-think.
  Forum: Life in Sweden · Post Preview: #821152 · Replies: 14 · Views: 5,080

Essingen
Posted on: 23.Oct.2013, 07:48 AM





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QUOTE
Try http://www.metageek.net/products/inssider/ which you can use to see what are the common wifi channels used around you and change your channel to a less busy channel in your area.

Thanks, but I looked in my router instructions and it says that it is supposed to automatically look for the best channel and change to it. But if everyone's router does that ...??
  Forum: Miscellaneous · Post Preview: #821036 · Replies: 16 · Views: 11,187

Essingen
Posted on: 22.Oct.2013, 11:36 AM





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I am sorry for your situation.

Regardless of whether you are legally entitled to stay or not ( a question I can't answer) you would seriously need to research whether or not you could afford to stay here as a single person. That would depend on your financial situation in the event of his death. Although there is no inheritance tax, life can be pretty tricky here for single elderly people.
  Forum: Visas · Post Preview: #820976 · Replies: 18 · Views: 5,629

Essingen
Posted on: 22.Oct.2013, 11:29 AM





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Thanks, I might give that a go. I seem to have a multiplicity of streaming issues these days even though I use 4g and should have amply download speeds.

I suspect it is due to the 15 or so other wireless networks I see in our area!
  Forum: Miscellaneous · Post Preview: #820975 · Replies: 16 · Views: 11,187

Essingen
Posted on: 22.Oct.2013, 11:18 AM





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QUOTE
The question is : is it in my interest to do so?

Lets put it this way...if I offered to sell you something worth over £200,000 for about £50,000, would you be interested in buying it?

QUOTE
The United Kingdom pays a full basic state pension to people who have paid National Insurance contributions for 30 years.

They are intending to increase it to 35 years and at the same time increase the basic state pension.

QUOTE
I am aware that there is a system whereby at retirement the two countries contact each other and work out how much I have contributed and calculate my entitlement on some pro-rata basis which I don't understand.

I don't believe that it is a pro-rata system (although I am not drawing a pension) because I don't see how that would work. The Swedish one is based on accumulating a pot of cash based on life time earnings from which your pension is calculated. The UK is a flat amount of money which is then reduced if you do not have full NI contributions. It is my belief that they will just add these together. Assuming that you are still in Sweden when you retire the Swedish authorities write to the UK authorities to ask what you are entitled to.

The UK pension will go up to £7500 when they extend the period to 35 years. You would need a pension pot of well over £200,000 to buy an annuity of this amount. However, your voluntary NI contributions cost around £700 a year. So my advice is to go for it. I would even consider buying "back" years...you can buy up to 7.

As you say, there is political risk to consider, but like you, I would consider this to be minimal.
  Forum: Finance · Post Preview: #820973 · Replies: 1 · Views: 3,595

Essingen
Posted on: 22.Oct.2013, 08:11 AM





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Yes, there are lots of things wrong with the housing market. If they had been smart they would have phased out ränteavdrag now that rates are low.

And 22% capital gains tax is a tremendous disincentive to move, down size or get together with a partner where both parties have a property.
  Forum: Life in Sweden · Post Preview: #820966 · Replies: 56 · Views: 29,718

Essingen
Posted on: 22.Oct.2013, 08:06 AM





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QUOTE
The only problem I have is the sound is it bit muffled, but good enough to watch BBC iPlayer. FilmOn is good to watch live UK TV via Airplay.

Unfortunately Expat shield now wants to be paid for their excellent service so my iplayer has gone out of the window . I'm a bit reluctant to provide credit card details to them. My favourite programme to swatch is Have I got News for You which can be done well via U tube on apple TV after the event.
  Forum: Miscellaneous · Post Preview: #820965 · Replies: 16 · Views: 11,187

Essingen
Posted on: 21.Oct.2013, 04:25 PM





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Well I am 100% certain that you can, using the application I mentioned.
  Forum: Miscellaneous · Post Preview: #820927 · Replies: 16 · Views: 11,187

Essingen
Posted on: 21.Oct.2013, 11:57 AM





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QUOTE
What you are now allowed to do is not only include the running costs but also a return percentage based upon the market value of the apartment at a rate of Riksbanks reference-rate plus a couple of percentage points.

OK thanks. In association with proposed changes that are due to come into force next year and which will mean that the owner's reasons for wanting to sublet should normally be sufficient, does this not mean that we will pretty much have a potential buy to let market here in Sweden?
  Forum: Life in Sweden · Post Preview: #820876 · Replies: 56 · Views: 29,718

Essingen
Posted on: 21.Oct.2013, 08:07 AM





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QUOTE
That part didn't survive. The new law only makes it possible to charge a rent comparable to what you actually pay in loan interest + monthly fee. The previous law only made it possible to charge the same rate as comparable rentals, no matter what the apartment cost you.

Is it what you actually pay or is it the equivalent of what the loan costs would be?

i.e. if you don't have any loans on the apartment can you still change the interest amount?
  Forum: Life in Sweden · Post Preview: #820855 · Replies: 56 · Views: 29,718

Essingen
Posted on: 18.Oct.2013, 10:03 AM





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Go to the Opera. It is hugely subsidized. laugh.gif
  Forum: Finance · Post Preview: #820695 · Replies: 20 · Views: 7,306

Essingen
Posted on: 15.Oct.2013, 08:03 AM





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[quote]I would suggest Opel Astra 1.6 Halvkombi 1999 for that price range[quote]

Ha! When I saw this thread I thought about recommending what I have owned myself since new...Opel Astra 1.6 Halvkombi from 2001, but I thought that people would think I was daft recommending an Opel.

Infact, as the previous writer said, they are brilliant. This was the model when Opel decided to do something about rust, and they certainly did. They have also won an award for the second hand condition of their cars. No one likes them in Sweden, hence the residual values are crap. But they are a good buy.
  Forum: Life in Sweden · Post Preview: #820420 · Replies: 15 · Views: 22,155

Essingen
Posted on: 6.Oct.2013, 08:21 AM





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Since posting that I found a neat little application called Airparrot that does the job perfectly. You can test it for 20 minutes at a time or buy it for $10.
  Forum: Miscellaneous · Post Preview: #819729 · Replies: 16 · Views: 11,187

Essingen
Posted on: 5.Oct.2013, 08:09 AM





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Is it possible to use airplay from a windows PC? I have itunes on the PC which has the airplay symbol but what I want to do is to use BBCiplayer installed on the same windows PC via airplay.
  Forum: Miscellaneous · Post Preview: #819658 · Replies: 16 · Views: 11,187

Essingen
Posted on: 1.Oct.2013, 12:04 PM





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You would get the guaranteed minimum pension...I forget what the figure is.
  Forum: Swedish news · Post Preview: #819282 · Replies: 7 · Views: 4,941

Essingen
Posted on: 1.Oct.2013, 11:58 AM





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QUOTE
Also, Basic pensions in Sweden are based purely on time spent in inside Sweden and not what a person has contributed in taxes or work?

Not really true. They are based on the pot of money that you have managed to build up, which in turn is a function of the time and income you have had in Sweden.
  Forum: Swedish news · Post Preview: #819279 · Replies: 7 · Views: 4,941

Essingen
Posted on: 1.Oct.2013, 11:44 AM





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QUOTE
Look at it another way for example, in terms of fairness, if you worked as a civil servant in the UK the tax payer paid your salary, paid your taxes, paid your pension contributions and you served the nation.

No, sorry...you've lost me in that argument. If there are two people aged 67 living in Sweden -one of whom has spent their life in Sweden, retired here and has a pension of say SEK 12,000 (the average that comes out of the state scheme here) and pays tax at around 30 per cent, it would seem completely unreasonable for the second person - a retired British civil servant - to pay no income tax at all in Sweden - and enjoy the same benefits.

Or?
  Forum: Swedish news · Post Preview: #819276 · Replies: 7 · Views: 4,941

Essingen
Posted on: 1.Oct.2013, 09:55 AM





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Yes, if it is an occupational pension scheme from a government or local authority employer.

But I don't think it applies in terms of the normal "state" pension.
  Forum: Swedish news · Post Preview: #819255 · Replies: 7 · Views: 4,941

Essingen
Posted on: 1.Oct.2013, 09:23 AM





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People have told me that occupational pensions received from either the state or a local authority are always taxed in the home country and never in the country you may move to/retire. I have always had difficulty believing that this is the case. However, it appears that it is true.

http://www.privataaffarer.se/pension/premi...-sverige-552506

"Enligt OECD:s modellavtal ska stater inte beskatta varandras offentliga pensioner, alltså pensioner som kommer från stat eller kommun. Dessa ska istället beskattas i det tidigare hemlandet."

Well that makes a lot of sense...I don't think!!
  Forum: Swedish news · Post Preview: #819248 · Replies: 7 · Views: 4,941

Essingen
Posted on: 1.Oct.2013, 09:16 AM





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QUOTE
You do not need to inform them of anything it is the banks responsibility to notify authorities.

Is it not the case though, that since a bank does not know the reason for the cross-border transaction it will send you a form to complete, which you then return to them who forward it to the relevant authority.
  Forum: Finance · Post Preview: #819247 · Replies: 3 · Views: 4,238

Essingen
Posted on: 26.Sep.2013, 01:22 PM





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QUOTE
The board decides to use the opportunity to completely renovate all bathrooms (2 per appartment).

What do you mean by "completely renovate" ? I thought that a bathroom was primarily the responsibility of the leaseholder rather than the association.

If the members don't like the way that the board is doing it, you can always call a meeting.
  Forum: Legal · Post Preview: #818820 · Replies: 9 · Views: 6,936

Essingen
Posted on: 20.Sep.2013, 11:35 AM





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You should definitely talk to the authorities about this. And in case you are thinking that you don't want to ask for things, this isn't really how you should view it. The Swedish model builds on taxing everyone but then trying to ensure that people have a reasonable income on which they can be taxed. So on the one hand, they tax your own very modest pension. In addition, pensioners are obliged to pay VAT on food, special energy taxes and so forth. These are things that you wouldn't pay in the UK. So even if you apply for assistance, you can be sure that they are getting it back in other ways...it is all part of the economic model. As it is now...you are only taking part in the part of the economic model which is disadvantageous to you!
  Forum: Life in Sweden · Post Preview: #818173 · Replies: 19 · Views: 10,916

Essingen
Posted on: 20.Sep.2013, 07:43 AM





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Your reply touched on another question I was thinking about last night...whether or not you were doing everything legally in Sweden! As you obviously are...and presumably your husband is too...why not make an application. You have nothing to lose. Unfortunately, the tax situations in the UK and Sweden are about as different as they can be. In the UK there is a very large tax free limit, here pensioners pay relatively more tax than people in work.
  Forum: Life in Sweden · Post Preview: #818153 · Replies: 19 · Views: 10,916

Essingen
Posted on: 19.Sep.2013, 12:17 PM





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QUOTE
Sorry, I meant £65 a week approximately.

It still sounds very low.

Assuming that you or your husband can speak some Swedish, you can read more about the guarantee pension and how it might apply to you here...

I think you should consider talking to someone about this.
  Forum: Life in Sweden · Post Preview: #818073 · Replies: 19 · Views: 10,916

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