Direct and indirect costs of moving house, administrative procedures, etc.: here’s a quick overview of the steps to complete before you can start enjoying your new home and getting to know your new neighbours. more →
Are you the happy owner of a flat or house? Great! But, whoops, life happens and suddenly you need to rent out your flat or house, or maybe just a room therein. What should you consider before putting it on the rental market? Here are six points you need to remember to avoid any nasty surprises: more →
On 25 May 2018, radical changes will be introduced regarding the protection of personal data for all European citizens. A new European Regulation that entered into force on 24 May 2016 – but which is applicable two years later – aims to protect the fundamental rights of European citizens in our increasingly digital world. Until now, we thought that our private data was safe by using “pseudonymisation”. But with big data analysis and predictive algorithms, that is no longer true. more →
If you are already a parent, you have certainly faced one day or another the following situation: walking with you through the shop’s alleys, your kid stops suddenly in front of a toy, begs you to buy it and, because you don’t want to, starts yelling. You try to explain that the toy is too expensive, but unsuccessfully and your child cries even more. Do you have to indulge your kid? Surely not. Teaching kids about money is possible, and even desirable. How? Here are six ways of teaching children the value of money. more →
This is the D day: you’re moving! All the paperwork is done and you have the keys to your new home. It is time to move in!Is everything ready? The secret to ensuring your removal goes smoothly is proper organisation. Packing your belongings in good time is essential. It allows you to sort through them and throw away what you no longer need. If you do not want to throw away your unwanted items, you can give them away or sell them on second-hand sites or at a flea market.
It is not always easy to compare the borrowing terms put before you by a bank or credit institution. You can easily get lost in a sea of different and diverse offers. Which figure should you focus on? The nominal rate, which is the one that appears on your loan agreement and that you have to actually pay each month? Unfortunately, that is not enough. In order to know exactly how much you will have to repay and compare the various loan offers effectively, you should also look at the APR. more →
This is a valid question because there are so many articles about how social media, and Twitter in particular, are able to anticipate movement on the stock markets. With 320 million users (as at 6 May 2016) and 500 million tweets sent per day, Twitter has the advantage of being both instantaneous and volatile. For some, it has become the go-to place for share price analysis and recommendations. more →
A share is a unit of ownership delivered by a capital company. In most cases, it is a commercial company with a limited liability. Holding one of several shares – in other words, being a shareholder – means that you own a part of the company’s capital but you are not held personally liable for the company’s debts.
Generally, shares are freely negotiable and transferable. As a shareholder, you can decide at any time to sell all or some of your shares to other investors. You can sell them – or buy them – at a stock exchange if the company is listed on a regulated market or in a private exchange (in this case, the transaction takes place between the vendor and the buyer). more →
While waiting for a train or our appointment, many of us may occasionally take a quick look at our emails or our Facebook account – in which case, we might use one of the free Wi-fi networks available almost everywhere. You would do well, however, to be careful, for surfing on a free Wi-fi network is not always risk-free. Cybercriminals can easily intercept your data on this type of network. more →