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Author Archives: British Chamber of Commerce | EU & Belgium

-A message from the Dean-

In academia, September marks a fresh start, a new chapter. We are delighted to be saying hello to our new members at the British Chamber Academy, and to be welcoming back some familiar faces, too. The past few months haven’t been easy, so we have put together a selection of initiatives in order to support our community and help you and your business get the best out of these unprecedented times. 

To start, we are now offering online executive education to individuals and organisations who wish to acquire immediately applicable skills, knowledge and enhance their professional network. The upcoming training schedule offers a wide variety of digital workshops, carefully configured to address the challenges associated with remote working environments and encouraging individuals to maximise the benefits of our digitised world. 

In cooperation with Brussels New Generation (BNG), the academy will be offering digital workshops targeted at young professionals, who aim to enrich their employability and thrive within increasingly competitive labour markets. 

Academy ‘credits’ are being introduced as a method of preventing participant  ‘e-learning fatigue’. This development aims to maximise the digital learning experience of our clients and encourages the purchase of ‘credits’ to allow the completion of  a series of shorter, more engaging workshops as opposed to one less productive training session. 

As part of our long term commitment to improving the quality of work within our business community, we will continue to utilise our extensive network of like-minded professionals and offer specialised courses in support of broader social initiatives such as promoting women in enterprise. 

I look forward to virtually meeting with you soon!

Dirk Daenen

Click here to register for our upcoming trainings!

By César Guerra Guerrero
Partner & Director of Trade Policy at Euraffex

The number of Free Trade Agreements (FTAs) have surged in the last years. It is clear that applied tariff levels and the number of comprehensive trade agreements of a country determine its readiness to constructively engage in ambitious trade treaties. For example, it is relatively easy to strike deals with Singapore or Chile, but it is completely different with Mercosur. In my view, a successful conclusion of a process depends on the political will and the real room for manoeuvre to accommodate each other’s interests.

Most of the time, governments must make important and difficult decisions to bridge gaps, especially in the final stages of negotiations. Trade negotiators have the ability to present results in a way that shows the benefits and minimises concessions to justify their decisions, so that FTAs will always prove positive in countries, or blocks of countries, that are so lined up with the free trade agenda. However, this is not exempted from partisan backfire that would normally use political arguments to prevent moving forward on the trade agenda. As long as negotiators prove that sensitivities were protected by using alternative treatments and specific non-trade concerns were addressed somehow, countries would be inclined to make hard calls to close a deal.

In the meantime, the private sector- whether on the offensive or the defensive side- is faced with uncertainty. It is difficult to know how their products are going to be treated if they are part of the final package that would solve the most difficult issues to clench a deal. The reading and identification of true red lines is crucial for governments. Stakeholders play an important role to influence this vision. Using the example of the EU-UK trade negotiations, is the level playing field a true red line for the European Union or is it just the access to British fishing waters? What are the potential trade-offs all parties can live with? The answer is communication and creativity. The private sector must be part of the solution and governments should be open for feedback as it is in their best interests. The successful outcome for business sectors and individual companies often depends on the engagement with trade negotiators and making the case with sound arguments, whilst providing reasonable alternatives to the ideal outcome.


Here at the British Chamber of Commerce, we will continue to update you with the necessary information to help all our members to succeed. 
We are all in this together, and with the right plans in place, consumer confidence can be restored. BritCham offers support, guidance and specialised coverage for both Brexit and COVID-19, including webinars, workshops and events that will give your firm the tools it needs to navigate through this challenging period. Click here to register: https://www.britishchamber.be/upcoming-events

By Yasmine Lingemann

On Friday 28th August the British Chamber of Commerce EU & Belgium had the pleasure of hosting Sophie Maes and Sieglien Huyghe from Claeys & Engels to discuss the new changes to the Belgium temporary unemployment scheme from today, September 1st. 
The existing scheme will be split up into five new schemes for Belgian businesses to choose from. See below for a full breakdown of each scheme.

1. Corona temporary unemployment scheme valid until 31 December 2020
Conditions-
The firm must either belong to a sector that has been heavily affected by the Coronavirus OR have a minimum of 20% days of unemployment in one quarter compared with the previous quarter.

Application process-
Applicants must complete a C160A- HGO form to send to the National Employment Office (NEO) and receive a confirmation from NEO.

Formalities during use-
Notify & inform employees, the Work Council/ Trade Union.

Advantages & disadvantages-
+Few formalities and applicable to all workers (blue and white collars).
-Expires on the 31st of December.

2. “Normal” economic temporary unemployment scheme for white-collar workers
Conditions-
The firm must prove a loss in turnover, production or orders by at least 10% OR a reduction in employment for blue-collar workers by 10% OR sufficient recognition by the Ministry of Work as a company in difficulty.

Application process-
A new CBA or Business Plan must be drawn. The Business Plan MUST be approved by the Commission for Business Plans which takes roughly two weeks.

Formalities during use-
A C160A form must be completed together with supporting documents. 
If you have a CBA, send this to the NEO.
If you have a Business Plan, send this to the FPS.
Notify the NEO and all employees a minimum of one week before starting date of unemployment.
Communicate the economic reasons to support your application to either the Work Council or Trade Union Delegation.
Keep record in a validation book.
Deliver a C3.2A form to each employee an notify the NEO before the first day of unemployment every month.
A daily supplement of €5 is required.


Advantages & disadvantages-
+Possibility to regulate temporary unemployment for an immediate period of one year
+Maximum of 16 weeks for full-time workers and 26 weeks for part-time workers (of minimum 2 working days per week)
-Approved Business Plan or CBA is required
-Daily supplement paid by the employer

3. New “Transitional” economic temporary unemployment scheme for white-collar worker
Conditions-
The firm must prove a loss in turnover or production by at least 10%
Offer two training days per month to employees.

Application process-
A new CBA or Business Plan must be drawn. Business Plans must be submitted to the FPS but does not need approval.
Submit a C160A form to the NEO.

Formalities during use-
Notify the NEO and all employees a minimum of one week before starting date of unemployment. This can be done electronically via
www.socialsecurity.be
Communicate the economic reasons to support your application to either the Work Council or Trade Union Delegation.
Keep record in a validation book.
Deliver a C3.2A form to each employee an notify the NEO before the first day of unemployment every month.
A daily supplement of €5 is required.

Advantages & disadvantages-
+Maximum of 24 calendar weeks for full-time worker and 34 weeks for part-time workers (of minimum 2 working days per week).
+No approved Business Plan required.
-2 training day required per month.
-Only valid until the 31st of December.
-Daily supplement paid by the employer
.

4. Economic temporary unemployment scheme for blue-collar workers
Conditions-
The firm must be in economic difficulties due to an external problem e.g. The Coronavirus.

Application process-
Inform the NEO.

Formalities during use-
Notify the NEO and all employees a minimum of one week before starting date of unemployment. This can be done electronically via: 
www.socialsecurity.be.
Communicate the economic reasons to support your application to either the Work Council or Trade Union Delegation.
Keep record in a validation book.
Deliver a C3.2A form to each employee an notify the NEO before the first day of unemployment every month.
A daily supplement of €2 is required.

Advantages & disadvantages-
+Few formalities.
+Maximum of 4 weeks for full-time workers and 18 weeks for part-time workers (of minimum 3 working days per week).
+Small suspension also available for up to 12 months (of minimum 3 working days per week).
-Only valid until the 31st of December.
-Daily supplement paid by the employer.

5. “Normal” temporary unemployment scheme for force majeure
Conditions-
Unforeseen, unexpected event independent of the will of all parties.

Application process-
Notify the NEO and all employees a minimum of one week before starting date of unemployment. This can be done electronically via: 
www.socialsecurity.be.

Formalities during use-
Deliver a C3.2.A form to the employee concerned.

Advantages & disadvantages-
+Notice period is suspended.
-Case specific.


We hope that with this information, you will now find the temporary unemployment scheme that suits you and your company best.


Here at the British Chamber of Commerce, we will continue to update you with the necessary information to help all our members to succeed. 
We are all in this together, and with the right plans in place, consumer confidence can be restored. BritCham offers support, guidance and specialised coverage for both Brexit and COVID-19, including webinars, workshops and events that will give your firm the tools it needs to navigate through this challenging period. Click here to register: https://www.britishchamber.be/upcoming-events

By Yasmine Lingemann

Belgians are big savers. According to recent figures released by the National Bank of Belgium (BNB), Belgians have reached a record high in average household savings, with figures reaching 290 billion euros in aggregate regulated savings accounts. On average, the household savings ratio in Belgium is 12.6%, which by comparison is just over double that of the UK, where households save 6.2% of their disposable income. Belgians have traditionally saved a lot, yet even in an era of zero or negative interest rates on savings, the lack of spending is beginning to become problematic and even a hinderance to the national economy.

Globally, the Coronavirus pandemic has hurt economies everywhere. With firms in the UK and Europe also having to simultaneously adapt and create contingency plans to prepare for the end of the Brexit transition, businesses face the situation where they need to use alternative methods to attract clients and re-establish confidence in their company. In Belgium, that means trying to encourage people to spend more and save less at the same time as rising unemployment, weakening job security, and people generally tightening their belts and restricting spending to the bare necessities.

Despite this, firms must not lose hope: Now is the time to seek new opportunities. Businesses are responding, many are offering their goods and services in a different way. In Belgium, where consumers have traditionally been less open to online commerce, increased time at home in front of a screen enables households to be more susceptible to e-commerce and advertising. Businesses must use this time to improve communication and dialogue with their clients to reestablish trust and retain brand loyalty. Getting active online and keeping your customer base up to date on changes will help businesses in the long run and hasten the adoption of a more digitalised economy.

Belgium government support has not been as forthcoming as in the UK. However there are a variety of loans and tax deferral schemes that have been put in place to weaken the damage felt by Belgian firms.

Click here for Belgium’s government website to see how your business can benefit from the support available: https://www.belgium.be/en

Here at the British Chamber of Commerce, we will continue to update you with the necessary information to help all our members to succeed. We are all in this together, and with the right plans in place, consumer confidence can be restored. BritCham offers support, guidance and specialised coverage for both Brexit and COVID-19, including webinars, workshops and events that will give your firm the tools it needs to navigate through this challenging period.

See our website here for more details on how we can help you: https://www.britishchamber.be/

By Tomos Ireland-Life

Not knowing many people in Brussels at first, living in overcrowded house and missing home a bit meant that I was nervous to start my new role one year ago. Now, even though this year has panned out differently than what was expected, I can say that deciding to work for BritCham in Brussels has been one of the best decisions that I’ve made.

I did not know what to expect at first. Whilst I was definitely interested in communications and events, in all honesty when I applied for the job in February 2019 I did so primarily because I wanted to live in Brussels for a year, and because I liked how it sounded to say that I worked at the British Chamber of Commerce | EU & Belgium. But I’ve thoroughly enjoyed the role, and it’s been an incredible time to represent UK-EU as Brexit unfolds.

My responsibilities changed throughout the year as there was a restructuring within the organisation due to the impacts of Covid-19. Generally speaking, my role consisted of three main responsibilities: the organisation of the Brussels New Generation Task Force (the leading network for young professionals in Brussels); content development of all of the Chamber’s social media platforms and regular blog updates; and delivering content and support for the high level events that the British Chamber organises.

Even though we were hosting online webinars, working remotely since March meant that less impetus was placed on the events side of the role and more on the communications, and I enjoyed developing my communication and writing skills further.

I’ve developed skills in the field of communications and public affairs, gained an appreciation of how to organise a committee of highly capable professionals, and have developed the ability to organise multiple assignments whilst meeting tight deadlines. Since early on in the role I’ve learned to use my initiative so that progress with various projects could then be made.

One of the positives of working in a small office was the larger responsibility that was placed on us, and the opportunities that have stemmed from this. Consequently, we were working alongside a number of senior, highly accomplished professionals in Brussels, and being able to learn from how they practice within their businesses was truly a huge pleasure. It’s also been amazing having the opportunity to listen and gain insight from senior representatives in the European Parliament, senior members of the Commission, the previous Deputy Prime Minister of Belgium, the British Ambassador to Belgium, and the Chief Economist of the British Chambers of Commerce as these people have spoken at a number of our events.

It’s been eye opening living in another country which speaks another language. My favorite bar in Place Jourdan was run by a sweet old man called Bernard who could not speak a word of English, so I’d then have the opportunity to practice my French. But other than ‘deux leffe blonde s’il vous plait’ I must concede that the only other term that I can say with great confidence is ‘je voudrez parler français mais c’est difficile’… still, I am determined to learn the language if I am to return to Belgium! 

Another perk of the job was that we were essentially given season tickets to watch Royale Union Saint-Gilloise (better known as UNION!) who played football in the Belgian First Division B. After winning a few matches later on in the season we were hoping to see their charge for promotion but this was disrupted due to the pandemic. Now that the season’s back on they seem to have picked up some form, promotion might still happen… as a self-diagnosed Union ultra-fan I will have to return to watch them play at some point next season.

Whilst going into my final year without having cemented a grad role from my placement (as many of my peers have) is slightly daunting, I’m not in the slightest bit regretful for the time that I’ve spent with the British Chamber. I’ve learned skills that I would not have learned otherwise, and have had the opportunity to achieve things that I wouldn’t have done elsewhere. Three of my biggest achievements was setting up the BNG Mentoring Scheme which is the first of its kind in Brussels, establishing and becoming editor of the BritCham Weekly Newsletter, and organising the Connect with the EP two-day event in the European Parliament last October.

As long as you’re learning, any experience is good experience. I would therefore recommend this internship to any student who’s looking to do a placement in another country. Whilst I may not want to be a communications expert once I’ve graduated, I’ve learned so many other transferable skills that I’ll be able to bring forward to whatever profession I go into when I leave university. With the challenges posed by Brexit and Covid-19 I sincerely hope that the class of 2020 and beyond will benefit from similar opportunities that I have, and will continue to have the option to work in Europe for years to come.

By Liam Smyth, ChamberCustoms

@chambercustoms www.chambercustoms.co.uk

The UK left the European Union on 31st January 2020, and the transition period comes to an end in December this year. It is vital that businesses take action now to get ready for a new border operating environment from 1st January 2021.

Until the new border operating model was published on 12th July, we could only speculate on how goods would be controlled at our borders once we left the EU.  It’s now clear – and the new model brings this into stark reality – that businesses need to prepare for a significantly higher level of customs declarations and associated administration.  It candidly states “customs declarations are complicated”.

Declaration volumes will grow from 55 million now, to almost 300 million next year.  The cost to business is estimated at around £7bn per annum, and the customs intermediary market lacks the necessary capacity to deal with the increase.

The detail

New border procedures for importing and exporting goods to and from the EU will be in place. Traders importing ‘standard goods’ – covering everything from clothes to electronics – will need to prepare for new customs paperwork.  You will need to keep specific records of imported goods and you can opt to take up to six months to submit a full customs declarations for goods arriving from the EU.   

Taxes will need to be paid on all imports, but payments can be deferred for up to six months until July. This will help trader cash flow until the end of 2021, but only if you or your agent have the correct approvals in place to use simplified procedures.  Full customs requirements will apply to controlled goods from 1st January 2021 whether they arrive from the EU or elsewhere.

Businesses will be able to account for VAT on goods imports using Postponed VAT Accounting from the start of the new year.  This means that once the staged introduction period ends, payment of VAT due on imported goods can be delayed until the next VAT return.  

What does this mean for business?

Despite the much needed clarity on customs procedures, and a welcome delay through staged introduction of full customs controls, big challenges remain for most businesses.  Declarations volumes will increase, costs will rise, traders need to skill up to deal with new procedures and time is incredibly short.

Companies trading across the globe will need to make a choice.  Should they take advantage of the staged introduction of measures for EU imports and gain a cashflow advantage through delayed duty and VAT payments?  Or, stick with the systems and processes they already know, and use the newly introduced postponed VAT accounting and guarantee free deferment accounts to delay border taxes by up to six months?    Whatever you decide, businesses that export and import goods have change coming and it’s inevitable. 

The wise amongst you will wake up to change and plan your level of readiness.  There is much to do and qualified and compliance led customs experts are becoming a rare commodity.

Our expert team at Chamber Customs, our international trade training programmes and our overseas connections make us an ideal customs partner.  

As your business gets ready for the end of the transition period, our customs agents are ready to help you clear your goods at the border.  Give us a call to arrange a chat.

Whether here in Belgium or across the UK, the Chamber network is here to support you and to help you to trade with confidence.

The practical implications of Brexit on everyday UK-EU trade is becoming clearer week by week. This week, Amazon announced changes affecting Amazon sellers, customs briefings and enquiries ramped up, and the impact on product availability and businesses started to become evident. The detail is very welcome, and helps businesses prepare further. For some, the impact will be more difficult to manage and will effect consumer choice, price and availability.

The UK government’s publication of its border operating model provided traders and logistics operators with more detailed information on the requirements for UK exports and imports. While much of the overall approach was predictable, the details of the arrangements make clear the challenges that traders will have to adapt to, and the costs likely to be incurred.

This week, retail giant Amazon announced the end of Fulfilment by Amazon (FBA) for UK sellers delivering to customers in the single market (and vice-versa). Sellers will now have to divide their inventory between UK and EU-Based Fulfilment Centres to avoid losing sales in either market.

This will raise the cost of reaching customers through increased storage and transaction costs of shipping their goods to warehouses in both markets. With Amazon putting in transitional measures before 1st January 2021, sellers Christmas trade may be affected too.

As so often, it’s the detail that counts. The UK’s plan to introduce postponed VAT accounting will be a boon to the cashflow of UK importers. But some businesses are beginning to see additional unwelcome challenges. For example, fresh fruit and vegetables delivered by air from Africa to the UK and its Benelux neighbours are distributed across the region. Since these goods movements will now need phytosanitary checks at the entry point, the opening hours of phyto offices at ports and airports now become a critical factor in avoiding lengthy delays.

With the time for preparation now short, the UK government is stepping up its communications to businesses with webinars for Belgian and Irish firms this week and more to come.

With its network of expert members and the backup of its UK chambers, Britcham is there to help you. If you have questions, contact us at BusinessContinuity@britishchamber.eu

Glenn Vaughan – Senior Adviser

UK Govt – Border Operating Model: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/899991/200713_BPDG_-_Border_Operating_Model_FINAL_1320_edit.pdf

The UK Government has published its long awaited border operating model. It makes clear how the border with the EU will work – at least in most cases. But some important questions remain, and the cost to business, in customs administration work alone, will be substantial. The government has responded to some key demands from British Chambers of Commerce for measures to improve cash flow. But if there’s not a deal, the cost will be higher again – and key questions remain unanswered.

While businesses will welcome more detail on processes for trading goods overseas, some questions still remain unanswered, including on trade across the Northern Ireland border and the operation of the Goods Vehicle Management System. We will continue to look at the detail and how it affects businesses over the coming weeks.

The Border Operating Model provides clarity and certainty for the border industry and businesses, including technical detail on how the border with the EU will work after the transition period and the actions that traders, hauliers, ports and carriers need to take. It covers all of the processes and systems, across all government departments, that will be used at the border. It provides clarity on the end to end journey for moving goods across the border – with information about controlled goods and new government systems that will support trade.

To help businesses prepare for these changes and continue to trade, guides on how to import and export goods are available in the form of a ‘journey’ (see below). That’s important since so many UK based companies currently trade only with the EU. They need to clearly see every step they need to take to ensure that their goods are transported successfully.

This will cost businesses money. With full border controls in place at all ports from January 1st next year, regardless of any deal that is agreed with the EU, an estimated 200 million more customs declarations will need to be made by traders annually. At a cost of £20 to £45 per declaration the cost to business could be in the region of £4bn to £9bn.

The UK government has listened to the British Chamber network and reintroduced Postponed VAT Accounting, as well as allowing the deferment of duty and VAT on EU imports for at least 6 months from January 2020.   And many businesses will appreciate the introduction of bond-free duty deferment accounts, which will provide much needed help to cashflow for businesses and reduce import costs.

Along with the European Commission’s Communication last week on preparing for the end of the transition period, it’s clear firms that import and export across the UK-EU border should take action now including the appointment of customs intermediaries and addressing approvals and certifications.

With its network of expert members and the backup of its UK chambers, Britcham is there to help you. If you have questions, contact us at BusinessContinuity@britishchamber.eu

Glenn Vaughan – Senior Adviser

Hyperlinks also below.

UK Govt – Border Operating Model: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/899991/200713_BPDG_-_Border_Operating_Model_FINAL_1320_edit.pdf

How to import and export goods between Great Britain and the EU from 1 January 2021: https://www.gov.uk/government/publications/how-to-import-and-export-goods-between-great-britain-and-the-eu-from-1-january-2021

European Commission – Getting ready for the end of the transition period: https://ec.europa.eu/info/european-union-and-united-kingdom-forging-new-partnership/future-partnership/getting-ready-end-transition-period_en

Last week’s virtual summit of EU leaders discussed the proposal for a revised long term budget and EU Recovery Plan – put together by the Commission in double quick time. Much of the discussion between member states is inevitably informed by a calculation of who gets what and who pays, so it will not be easy or very quick. But the effectiveness of the EU response will really depend on how the money is spent and avoiding the temptation to create new barriers to business.

At the end of May 2020, the European Commission presented its proposal for a comprehensive reconstruction plan. 750 billion will be mobilised for the “Next Generation EU” action. In addition, the long-term EU budget 2021-2027 will be increased to a total of EUR 1.85 trillion.

The Commission says the plans will deliver resources at the scale and speed needed and focused on green and digital as engines of growth as well as increased resilience for Europe’s ‘open strategic autonomy’ model. It also emphasises the importance of avoiding fragmentation of the single market. Good to hear.

The package focuses mainly on cohesion and recovery along with a boost to Horizon Europe and more money for the planned Just Transition Fund for decarbonisation, and a new health program.

The biggest lump of cash – a new Recovery and Resilience Facility of €560 billion – will offer financial support for investments and reforms with a grant facility of up to €310 billion, and will be able to make up to €250 billion available in loans.

The scale and effectiveness of spending will be central, but it also needs broader global coordination. As pointed out by JBCE (Japan Business Council in Europe) recently, this is not just about the EU alone. So the EU’s response needs to be timely, but also coordinated wherever possible through multilateral and bilateral action. More important for the medium term, the EU’s openness to trade, ideas, innovation and people needs to be part of the answer.

The recovery plan will be based on a model of “open strategic autonomy” and there has been much made of the need to strengthen and diversify supply chains. While that’s undoubtedly true, there’s always a risk that the need to protect its people and companies can be used to push a protectionist agenda. 

That’s why it will remain important for business to make the case, loudly and persistently that recovery will be built on international cooperation and free and fair trade, as well as a vibrant single market and that Europe remains #Open4business

Glenn Vaughan – Senior Adviser

If you have any income that you receive in the UK and are unclear how to declare this in your Belgian income tax declaration, here’s some advice from Eric Laurent. If you need more, sign up for our webinar on Wednesday 24 June, especially as the deadline for personal tax declarations is 30 June!

Eric is a Partner at ERYV – a family business working in accountancy and tax that have been operating in the Belgian market for over 30 years! Eric is a chartered accountant & tax adviser who specialises in cross-border income.

When you are working, or residing, in Belgium you have to file a Belgian tax return. The principle in international taxation is that you have to declare your worldwide income in the country you are residing in. So if you are an expat, it is likely that you have some kind of foreign income; perhaps from interest earned from a savings account or rental income.

You have to report this information in your tax return, but don’t worry you shouldn’t be charged twice! Some tax treaties in place prevent you from being charged twice but this depends on the type of income for example, or on the specific articles from the bilateral tax treaty between Belgium and the source country.

In Belgium, for individuals, you can file a resident tax return or a non-resident tax return. For a resident tax return in Belgium you must declare your worldwide income. This applies even if you are working outside of Belgium. Even if you have had your contract terminated, or you have changed jobs or maybe you have retired, you are still a Belgian resident and have to go through the same process.

For non-resident there are several sub-categories: there are those who are in Belgium under the special regime of taxation for foreign executives, a very special category; there are also those who don’t live in Belgium but do generate some income there.

In addition, there are some people who have a specific status and have to find their way into the resident or non-resident category. These are the people that either work for the Commission or another EU institution or someone working for an international or government organisation like NATO or for a foreign embassy for example.

This touches upon a few issues but greater explanation will be given during the webinar on Wednesday 24 June. The following subjects will be covered during the webinar:

  • Concept of Belgian tax residency
  • Consequence: taxation (declaration) of worldwide income
  • Tax treaty: which state has the right to tax
  • Tax treaty: how to avoid double taxation
  • How declaring UK real estate income in Belgium
  • How declaring foreign professional income in Belgium
  • How declaring foreign financial income in Belgium
  • Other items linked to foreign assets:  bank accounts, life insurance, legal structures

Need to know more? Register here

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