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Everything you need to know about the 30 % ruling in The Netherlands
Most Expats are aware of the 30%-ruling – a beneficial ruling designed to lower the Dutch tax burden; however, few seem to understand the exact criteria, benefits and overall implications. Vincent Wijgerden from ExpatTaxes (GVN) explains the 30% ruling below. The 30% ruling applies to employees, coming from abroad, who possess expertise which is scarce…

European challenger bank bunq launches interest rate 9 times higher than market rate
Amsterdam, 26 February 2019 – bunq launches an interest rate 9 times higher than the going market rate. The rate will apply to all bunq accounts, removing the common difference between checking- and savings accounts. Tonight at bunq Update #10, the bank also introduces investment categories and launches Google Pay in Germany, Belgium, France, Italy…

Mobile Payments and Mobile Banking in Europe
The first smartphone prototype ever developed was called the “Angler”. It was developed by scientist and engineer Frank Canova, while he was working at IBM. Following the Angler came the first ever commercially available smartphone : the IBM Simon. Although very basic, It could make calls, send/receive e-mails and and several other features. It had,…

Top Tips for Retiring Abroad
This article was provided by TorFX, an award-winning currency transfer provider. Whether you’re thinking about retiring abroad or have already taken the plunge, we’ve got some top tips to help you make the most of your time overseas… Save Money by Using a Currency Broker Retiring abroad may mean you need to move money from…

Understand your Currency Transfers – Exchange Rates Explained
If you’re sending money abroad or receive your salary in a foreign currency, you’re probably familiar with currency transfers. But do you ever wonder what goes on behind the scenes? TorFx explains to us the ins and outs of currency exchange rates.

How Banks Work
Banks can seem mysterious and confusing, but it doesn’t have to be that way. Our friends at bunq — a mobile high tech bank that lets you easily open an account and has a unique view on investing money (or not) – gave us the scoop on how banks work. They also helped us understand…

3 Ways To Manage Your Savings Account as a US Based Expat Living Abroad
As an expatriate living in another country, you may have worked long and hard in the US before beginning a journey overseas. If this is the case, you most likely accrued retirement savings in a 401k or Roth IRA. These savings programs are monumental in the US, with a large majority of Americans choosing to…

Money Tip of the Month: The Key to Saving More Money
Saving isn’t always easy Let’s be honest, saving money isn’t always easy. Housing prices are sky high and there are loads of awesome things to do. It’s easy to overspend in the heat of the moment and end up at the end of the month with virtually no savings. Save for a goal Studies have…

Basics of the Dutch Income Tax System
Taxation and death seem to be unavoidable aspects of life. Generally speaking, taxes are a national issue; and, tax laws change when crossing country borders. For expats, tax consequences differ based on residency status and

Leaving the USA? Don’t let your 401k go to Waste
For many, the United States is the land of opportunity. Chances are, if you’ve worked there a while you’ve built up some money in a 401(k). Accessing these funds can be difficult if you’ve returned to Europe however. Thankfully, Beacon Financial Education can help you take control again. The 401(k) is a staple of the…