In 2009, my wife and I became owners (or rather the bank… 😉 ) of our main residence, a nice house in the suburbs of a big city. Happy parents a few months earlier, we had managed to find a larger and more interesting property than our borrowing capacity suggested, with a rather attractive discount … Read more
Vacations, absences, resignations, activity records… All of these elements constitute workloads for which the HR Department is responsible. And you certainly know that managing all these tasks is not going to be easy. Fortunately, there are many software solutions for HR planning and employee time management. Personally, I have used about ten in my company, … Read more
With the recent signing of the sales agreement for my first rental investment last February, I took the next step: looking for the Holy Grail, a mortgage to finance my (future) apartment building. But even more, how to obtain the best possible conditions according to my project. Take the time necessary for this crucial step, … Read more
Is there really a tutorial for everything, even how to get rich? One thing is certain, everything can be learned. And if the goal is not necessarily to become rich like Croesus to strut around and compete with billionaires, or even to become rich in 3 seconds, amassing nuggets and realizing your biggest materialistic dreams … Read more
Since 2012, my wife and I have acquired a minivan, a necessity with the arrival of our youngest almost 2 years ago: transporting our 2 children, our dog and ourselves would otherwise have been a task very difficult, if not impossible! And then the air conditioning, which we then discovered, is priceless in the middle … Read more
Many entrepreneurs wonder how the creation of a company in Luxembourg is going. This country is a preferred destination for many foreign investors who want to expand their portfolios and profits in this part of Europe. The business environment offers an advantage in all important areas. In addition, the tax structure is very attractive. If … Read more
And here is the continuation of my article How to properly negotiate your mortgage, second and last part. Let’s pick up where we left off… After this interlude, we finally get to the heart of the matter, rental investment. I then simply put in place what I mentioned in the first paragraph to properly negotiate … Read more
Sometimes we need money to complete an impending project, such as buying a car or real estate. However, loan applications for financiers do not always receive a positive response. How to put the odds on your side and optimize your credit application file? The data of the people are kept for 5 years for the … Read more
For those of you who are lucky, it’s likely that the company you work for offers a number of benefits, sometimes referred to as employee benefits . Even if your goal is financial independence, it would be a shame, on the path that leads you there, not to take advantage of these bonuses offered by … Read more
How much does it cost to manage employee leave and absence? The processing of expense reports? The production of a payroll? Whether you are an SME or an ETI, the administrative management of a company is a significant cost center. Both vis-à-vis the time spent carrying out this succession of micro-tasks, and the consequences of … Read more
