As the number of blue-collar workers has fallen, the number of people whose job it is to provide advice and such has increased. This is not necessarily a bad thing; were it not that they mostly kick in open doors or fail to see beyond their own noses. We will discuss two variants of these professions, the coach and the consultant.
Author: Etienne Edwards van Muijen
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9 The energy transition
For over a century oil and other fossil based sources were our primary source of energy, that has changed and we will take a closer look at how that might develop further. The focus of this article is for private individuals.
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8 Saving for expenses, instead of paying later
This article will compare saving for these expenses, compared to paying later for them.
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7 How to live on a voluntary budget
Please note that we are assuming that you have a choice in this matter: The primary difference with not having a choice is that fixed expenses are either higher or pretty much equal to income with people who are forced to live on a budget.
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6 Minimum cash reserve
This article will endeavour to give an answer to the question: What is the best way to save for a rainy day?
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5 The dangers of leasing and renting
Leasing, or possibly renting something, is usually done for two reasons in lieu of buying; to avoid paying a large amount of money all in once or for tax purposes. This article will not argue against reducing your tax bill, instead it will highlight reasons why not buying it yourself might not be the best option in the mid- to long term.
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3 Best way to account for private cash
There are two highly accepted main streams to account for private cash; cash and accrued system. In the cash system we account for cash transactions as they happens, accrued takes into account to which period the transactions apply.
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2 Equity or bonds in a uncertain market
This article will attempt to weigh pros and cons of both equity and bond investments.
First the obvious statements: Equity always does best in the long run, due to increased yield (keeping up with inflation and such), where bonds only pay a fixed amount over a fixed time. Costs tend to be rather similar so having a flexible option that can go up tends to be better.
