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There is a long-term savings vehicle in Spain that exempts all accumulated gains from taxation if you hold it for five years and convert it into a lifetime annuity. Here's how the PIAS works and when it beats a pension plan or an index fund.
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Keeping things as they are is almost never a neutral choice: it's a decision with a cost. Here's how the bias works that keeps us tied to the fee, the policy, or the portfolio we already have.
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We believe things will turn out better for us than for the average person. That optimism, useful in many parts of life, is one of the reasons we save too little, underinsure ourselves, and take on more debt than we should.
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Turning your home into a monthly income without selling it or moving out sounds like the perfect retirement solution. The reality has more nuance than the advertising shows.
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Earning your salary and building up shares in the same company feels like a sign of commitment. Financially, it's one of the most dangerous and least monitored forms of risk concentration.
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The listing price is never the final price. Between taxes, notary, land registry, and paperwork, buying a home costs 10% to 15% more than the sticker suggests.
Read →Small utilities you can use right now.
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