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Category: Private

Articles which are likely to be relevant for private readers

  • 14 The importance of fixed expenses

    In this article we will further examine regularly recurring costs, for their impact on free cash flow.

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  • 13 Investment grade precious metal collectibles: Sentiment or smart

    Over recent years an increasing number of bars and coins is made from gold/silver without being made as a straightforward investment: Because it is made, possible just sold, at a higher premium, justified by its special appearance or link to a popular cultural phenomenon.

    In this article we will examine this form of purchasing gold and silver, to determine its merit. Should be noted that at moment of writing it is primarily gold and silver, other precious metals are also suitable, manufacturers simply have not gotten around to using them yet. Though platinum is gaining momentum. Copper is also not that rare, if you know where to look.

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  • 12 Paying down debt, why it is essential

    A brief essay on the importance of paying down debt, instead of issuing more or regular spending.

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  • 10 Consultants and coaches

    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.

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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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  • 4 How to save money for buying real estate

    We are writing this small guide on How to save money for buying real estate, becuase of the following: In many countries, the price of houses has sky rocketed for several years.  For instance, in the coutry of the author, it has done so for over 15 years now. Mortgages are not taken into account in this article, because they are the opposite of saving; borrowing.

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