residence Archives - usatoday24

“it’s cheaper than a residence”

October 31, 2025 by usatoday24

Marty and Jessica Ansen have been married for 57 years and love traveling by cruise, although due to work and family they did not do it as much as they would have liked. In June 2022 they decided to take a radical turn to your lifestyle and they boarded the Coral Princess cruise ship for the first time in Brisbane, Australia. That moment marked a journey across the seven seas that has not yet ended. Since then they have traveled on some 111 cruises, making these enormous ships your new floating home, with confirmed reservations until September 2027. According to his family, traveling the world aboard a cruise is cheaper than a residence …and much more fun. On endless vacations As the cruise company Princess Cruises in Australia shared in your Instagram profileMarty and Jessica Ansen have been on cruises for 2,335 days of their lives, on 111 voyages, and they already have 33 more cruises booked until 2027. This routine of non-stop sailing has allowed them to enjoy trips around the world, with access to unlimited food, high-level entertainment and a community atmosphere on board where they have even made friends among the crew and other passengers. On board, the couple combines the adventure of waking up every day in a different port with a comfortable life, since the cruise includes cleaning services and food included, which saves them from many of the responsibilities of life on land. “Now we no longer know how to wash the dishes or make our beds because we haven’t done that in a long time. So now we have to stay on board to survive,” Marty joked in an interview for Australian television. Plus, they can stay connected with their family. The couple of cruise passengers take advantage of the scales that cruise ships do in different parts of Australia to visit their children, grandchildren and great-grandchildren. Plus, as Ren van Rooyen, hotel manager aboard the Coral Princess, said, Marty and Jessica are “kind of like local celebrities,” so it’s easy for them to make friends during their travels. Tap on the photo to go to the original message How the couple told in a report of The TelegraphThey also take advantage of these stops to visit friends from all over the world that they have made during their travels. “When our ship visits other countries, we meet up with family and friends we have met at sea in places like Ireland, Canada, the Netherlands, Alaska and New Zealand,” Marty told the British newspaper. Living aboard a cruise ship The most common thing is to imagine cruise ships as a temporary place to stay during a vacation. However, just as there are people who live permanently in hotels, there are also those who live all year round. on board cruises. That is the case of Marty and Jessica who, according to their children and grandchildren, find it cheaper to live on board the cruise than in a nursing home. According to their statements, the budget includes everything: from unlimited food to a bed made daily. Furthermore, it includes access to activities and medical services on board, which is an important advantage for elderly people. To stay healthy and active, retirees have created a simple but effective daily routine that includes an hour of table tennis together each morning. This daily exercise contributes to their physical and mental well-being, while they enjoy the changing landscape and the multiple services that the cruise offers. Although this way of life has multiple advantages, not everything is perfect for the couple. A big drawback is the constant changing of time zones while traveling around the world, which makes it difficult for them to keep clear control of elapsed time and can lead to some disorientation. Additionally, Marty jokingly confessed that he misses “being able to drive wherever I wanted to go whenever I wanted,” a limitation typical of life in the sea. However, these small setbacks are considered minor details compared to the experience of living aboard a cruise ship and enjoying a unique lifestyle that for them is more economical and satisfying than a traditional nursing home. In Xataka | A millionaire has been living from cruise to cruise for 25 years: his biggest problem has not been money, but balance Image | Princess Cruises

If they do not use it as usual residence, it must be declared

August 21, 2025 by usatoday24

The situation of the Housing in Spain It has become the subject of maximum concern both for citizens and politicians. For this reason, the Tax Agency is taking special attention to the taxation of those homes that do not have a habitual residence use. Although having more than one property can mean advantages, such as obtaining extra income through rent or enjoying them during holidays, it also implies tax obligations that should not be ignored. No fulfill these obligationsmainly the Declaration in the IRPF, can lead to sanctions for its owners, As they published The taxation experts of TaxDown. What is a habitual home. As much as you visit it every weekend, for a house to be considered habitual housing, a series of requirements must meet and, as expected, a person cannot have two usual homes, although the owner can change the habitual housing provided that his change is justified for work, conjugal reasons or for greater cause (disability, natural disaster, etc.). According to what the Tax Agency explains, the main residence must comply with: That constitutes the taxpayer’s residence during a continued period of at least three years. That the taxpayer inhabits it effectively and permanently, within a period not exceeding twelve months from the date of acquisition or termination of the works. Such and as they highlight In the portal Iachorro, Any house not dedicated to the use of habitual residence of its owner, is likely to become a second home for fiscal purposes, it will not apply the tax exceptions that the owner can apply in his habitual residence. If it is not habitual housing, it is heritage. According to article 85 of the Spanish fiscal legislationthese properties must be included in the income statement, regardless of whether they are rented, they are inhabited for short periods of time (holidays or weekends) or are empty. According The published by The independentif the second residence is rented, the yields obtained by this lease must be declared as real estate capital yields and the corresponding deductions or taxation will be applied. In the event that the house is empty and used only a few days a year, it must also be declared as “properties not involved in economic activities” indicating its use as a empty. In that case, the Treasury then imputes a value of 2% of the cadastral value, or 1.1% if the value has been reviewed in the last ten years. If it is not declared correctly, there is sanction. As in any other casenot correctly declare the second residence can be considered tax evasion and, therefore, implies a sanction. According to the Income Tax Law of natural persons, sanctions may vary depending on the severity of the infraction. According to explained The director of the Studies Cabinet of the Spanish Association of Fiscal Advisors, Arturo Jiménez, explains to Verifartve, if the amount not declared does not exceed 3,000 euros, the fine will be 50% of the amount, with a maximum of 1,500 euros. On the other hand, if the unpleasant amount exceeds that amount and there is concealment, the fine can ascend between 50% and 100%. In very serious cases, where fraudulent media and corporate infrastructure have been used to hide That heritagefines can reach up to 100% and 150% of the unstalled amount. These sanctions seek to ensure that tax obligations are fulfilled and avoid tax evasion. In addition, to all these sanctions interests of delay can be applied. In Xataka | They have not yet returned the 2024 rent: this is what they can be reviewing in your statement of this 2025 Image | Unspash (Niels Baars)

Latin millionaires set their residence in Madrid. Private bench has begun to open branches only for them

April 25, 2025 by usatoday24

All cities of a certain size have certain neighborhoods in which the Density of wealthy people exceeds the average. In the case of Madrid that neighborhood has traditionally been the Salamanca neighborhood, and the type of housing that, by surface and qualities, in it, in it, is witnessing it, in it It has been built. That real estate valuehe has turned the central Madrid neighborhood into the new destination for the Latin American millionairesto those who do not tremble their pulse for Pay up to 13,000 the square meter for a second residence on this side of the Atlantic. Before the rise of these new neighbors in the neighborhood, the response of the bank has not been waiting. BBVA has announced The opening of a new exclusive office on Goya Street in Madrid only for Latin Millionaires. The requirements for you to meet: a minimum capital of 500,000 euros and economic interests on both sides of the ocean. The Spain of the two benches While in the rest of Spain the banks close physical branches (only in 2024, the Santander announced the closure of 200 offices) and mails must take care of giving coverage of Effective to Spain emptiedin the Wealthy neighborhoods in Madrid The trend is just the opposite. Financial entities have identified the potential of this capital flow and have opted to open specialized offices, such as the new BBVA private bank branch in the heart of the Salamanca neighborhood. Where if not. This office, the first of its kind in Spain, is designed exclusively to serve Latin American clients with high assets. As I pointed out The Economic newspaper Fifodiesthe branch manages a base of 583 clients, whose joint assets amounts to 440 million euros. The objective of this new “luxury” branch is to offer a personalized service to those who have investments and assets On both sides of the Atlanticfacilitating the management of its wealth in a global and coordinated way by focusing on both European and Latin Americans. To access this private banking service, customers must have a minimum financial assets of 500,000 euros. In addition, there are differentiated services for those who have between 500,000 and two million euros, and for ultra -ups with more than 10 million. At the global level, the BBVA Private Banking Division manages assets valued at about 140,000 million euros. The best bankers: yes, those of Madrid At the Goya BBVA Private Banking Office, he serves a team of five bankers specialized in managing assets in Mexico, Colombia or Peru markets. Each of these bankers makes periodic trips to their assigned country to maintain direct contact with customers and understand their specific needs. That is to say, They are the ones who queue To talk to your customers. Karma. According to statements by Fernando Ruiz, director of private banking of the entity in Spain, published in InvertiaThe average international client profile that is attended from this branch has an average heritage of 800,000 euros. By nationalities, 50% are Colombians; 30% Mexicans and the remaining 20% are Peruvians. Beyond traditional financial management, BBVA offers a range of extrafinancial services specifically designed for this high purchasing power client profile. Do not think about the latest generation televisions, televisions or mobiles. As confirmed by the bankers themselves Fifodieswe talk about exclusive experiences, such as entries for Real Madrid parties or the mutual Open Madrid, private visits to museums such as Prado and Thyssen, and training courses on the transmission of family heritage. Although this personalized attention model is anecdotal in Spain, it already works successfully in enclaves with High concentration of millionaire populationlike Zurich and Miami. If the Salamanca neighborhood office works, perhaps this model could extend to Other areas of Spain who also host great Latin American fortunes, such as Galicia, Barcelona or the Costa del Sol. In Xataka | If you have money, you have nationality: how the billionaires have fond of “gold passports” Image | BBVA, UNSPLASH (Jorge Fernández Salas)

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