Author: Ahmed
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Balancing chores and errands with your daily remote job
You work from home but you feel you work long hours? A few chores here and there drag your work? Working a little longer because you had a few things to take care of during the day?… If this sounds familiar, you’re not alone. Of course, having flexible hours means you can work whenever you…
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A calendar or a to-do list? What’s the best time management tool for you?
When you work remotely, time management becomes a crucial part of your day. What needs to be done today? When can I squeeze in my groceries shopping? Can I pick my son earlier from school? etc. All these are questions we ask ourselves on a daily basis and having a central tool to help us…
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Should you work fixed hours, even if you have a flexible schedule?
The beauty of having a flexible schedule, when you are a freelancer, remote worker, or consultant, is being able to work whenever you like. When traveling, you can spend the whole day touring and working at night. Or maybe working in the morning and night, and enjoying the evenings. Whatever you want, it’s your call.…
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Investing in Morocco: Retirement Plans
Retirement plans are another way of investing in Morocco, especially for the long term (well, technically, very long term). This way of investing is also known as a good way of reducing your taxes (we’ll see why). When I say retirement plan, I’m talking about private plans created by banks and/or insurance companies. There are…
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2022 Moroccan finance law: New solidarity tax
When Morocco was facing COVID in 2020, a new “corrective” finance law was introduced to help with COVID-related expenses. One of the “corrective” measures was introducing a “solidarity tax” (ie, helping with COVID-expense) on individuals earning more than 20.000 MAD per month, and companies making more than 1 million MAD in profit. With the new…
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Investing in Morocco: OPCVM
OPCVM is a way of investing in Morocco and is an acronym for “Organisme de Placement Collectif en Valeurs Mobilières” which means a collective organization for investing. In plain English, it means a financial institution that gets money from different people and invests it in the stock market following pre-defined allocation rules. What I mean…
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Investing in Morocco: Stock Market (Bourse de Casablanca)
If you want to invest in the stock market, and want to know how you can buy stocks in Morocco, this post is for you! If you’re looking for other investing approaches, see our page about investing in Morocco. Returns Shares price changes Like any stock market, it’s hard to quantify if your shares will…
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2022 Moroccan finance law: Proportional tax (IS)
A new year, a new update to the finance law! While I won’t cover every change, I’ll at least cover those affecting freelancers and remote workers. The first change affecting us is the proportional IS (Import sur la Société). Before, this tax was progressive. And it’s better explained via an example: Benefits (MAD) IS Less…
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Investing in Morocco: Compte sur Carnet
“Compte sur Carnet” is a way of investing in Morocco by putting your money in a specific account, and getting a fixed return each quarter. Think of it as a savings account. You can get a “Compte sur Carnet” from your bank and it will be tied to your normal account. This way, you can…
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Moroccans: How much money can you spend on international e-shopping in 2022?
Every year or two, Morocco updates its laws regarding international spending for Moroccans. As a Moroccan resident or an international resident in Morocco, you don’t have the right to spend more than a specific amount of USD/EUR (or really, any currency other than the local one) in a calendar year. For 2022, you can spend…