The four-day workweek - utopia or reality? In the world of work that we know, we have been used to a full-time working day of 8 hours a day for many years, which translates into 40 hours per week. There are also half-days or part-time work, but these are always...
How does credit scoring work?
During the Covid Pandemic maintaining and being in control of our personal finances has and will continue to be a major concern for many of us. With job uncertainty, extended borrowing, taking payment holidays from credit cards and mortgage payments brings so much pressure on a personal level it can...
Tips for a good nights sleep in the summer
The long-awaited summer is just around the corner, and going to the beach, shopping in the town, or go out with your friends and have a drink on the terraces, or just rest at home with a good ice cream. However, there are nights when the heat persists and prevents...
The STO or “security token offering”
It had to happen, it was the next logical step In previous blogs we have talked about the tokenization of the cultural and natural heritage of the states, in another of the NFTs , also related to tokens and blockchain-based technology. Therefore, it was to be expected that this digital financing revolution would come...
Are you getting the best out of your Accountant?
The accountants role has changed quite dramatically over the years, especially with the introduction of online accounting. Everything is more transparent and not to mention immediate. The days of having to wait weeks for your management or even year end accounts are long gone with clients expectations such that a...
How do you make your company more sustainable?
Nowadays, there is no business or entrepreneur who should not think about how their business should be more sustainable. What do we mean by "sustainable"? This is actually a term that has strongly shaped our lives in recent years. Climate change is unstoppable if each of us does not take...
Common mistakes in the life of the self-employed
As we well know, self employed workers must keep correct control of their finances and above all maintain an adequate record and documentation of all their activity, when preparing their taxes. However, this task is usually a problem for many freelancers because not only do they sometimes have to put aside...
What is an NFT?
It is clear that the digital economy is not only here to stay, but is ready to gain ground from the “traditional” economy. A few days ago we published an article explaining what had been called “tokenization” of public artistic assets and heritage and the possibility that they could serve as financing...
Pensions – when is the right time to start?
When you're young you don't really think about pensions, that part of your life seems such a long way away and saving for your retirement could well have an impact on your current disposable income which you may wish to spend on other more current activities. For most of us...
Entrepreneurship after 50
With the coronavirus crisis, but also in previous years, many people over 50 have lost their jobs. The unemployment rate among this age group is estimated to be 12.5%. Many companies, in times of recession, choose to do without the people who have more experience and better know the sector and the company...
The tokenization of assets. A new form of public debt?
The digital age and blockchain technology are leading us to a digital revolution in the financial markets that began with bitcoins but does not stop there. We are witnessing a new phenomenon that is the next step for bitcoins, the “tokenization” of assets. What is asset “tokenization”? Let's start by briefly...
Factors when applying for a mortgage
When we sign a mortgage with our bank or building society, we are signing a contract for a duration, this can be 25 years depending on how much you are borrowing and how old you are. A very long-term relationship in which all conditions must clear from the very beginning. Therefore,...