Move: the useful checklist

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.

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What is the APR for?

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.
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Can social media really predict stock market prices?

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

What owning shares in a company actually means

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).
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How to avoid falling into the free Wi-fi trap

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. 
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Save to feel safe?

The sixth annual ING International Survey on savings asks more than 14,000 people in 15 countries how comfortable they are with their level of savings for 2017. We also delve into the effect of the low interest rates on savings seen in many countries. Let’s find out where Luxembourg resident stands compare to its neighbours.
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Survival guide for safe winter driving

Freezing temperatures can transform a simple landscape into a winter wonderland. But for drivers, winter is not always particularly pleasant. Wet roads are hazardous enough, never mind those covered with snow or black ice…

Since not everyone can leave their car in the garage, here are some pieces of advice for getting through the winter months without a hitch.
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Luxembourg residents: indebted but confident!

Without enough savings, people can end up needing rather than wanting to borrow money. In 2017, 20% of people in Europe have personal loans. Let’s find out what are the results for Luxembourg as well as its neighbours …
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