In the previous post of the Investing series, we talked about mutual funds. They are a great tool for investment. And especially passive funds with very low fees, thanks to index investing.
This is all great, but the problem with mutual funds is their availability. If you are lucky, you have access to Vanguard via your bank. And you can directly invest in their low fees mutual funds. There are other like Vanguard, but they are the most famous ;)
If you are not lucky, for instance, if you live in Switzerland, you do not have any easy access to good mutual funds. I can bet that your Swiss bank does not offer cheap passive funds. At least mine does not! This is where Exchange Traded Funds (ETFs) are being a very good investment tool!
Continue reading “Exchange Traded Funds – ETFs”
Recently, I did some ordering in my technology closet (yes, I am the kind of guy that has a technology closet…). And I realized that I had way too many things stored at home. I also realized that I had way too many servers. So I decided to sell online a few things. I also decided I was being crazy and started to dismount two of my servers to sell the pieces.
I am mostly using online websites to sell things. To be honest, I am far from being a minimalist. This is easily seen by my technology that is still too full after this first purge. But I am trying to reduce a bit the amount of burden I own. And if I can get some money in the process, it is bonus ;)
In this post, I am going to talk about what am I selling online in Switzerland. And how am I selling them!
Continue reading “How to sell things online in Switzerland ?”
In the previous post of the series, we covered stocks and bonds. They are important financial investing instruments. They both have their advantages. Bonds are more stable but will generally return less over time. Stocks are more volatile but should return more. In a balanced portfolio, you need both. But picking stocks and bonds is a lot of work. And it is a difficult and dangerous game. It requires a lot of knowledge and time.
So why not let other people pick bonds and stocks for you?
Investment funds are doing exactly that for you. In this post, we are going to cover them! We are going to see what is important when choosing between different mutual funds. And finally, we are going to cover a very important subject: passive investing.
Continue reading “Mutual Funds and Index Investing”
Yes, yet another post about credit card :) This one is going to be about the Revolut credit card.
Three weeks ago, I tried to find the best credit card in Switzerland. And last week, I studied another credit card, the TCS Travel Mastercard Gold, with 1% cash back. At this point, I found out that foreign exchange fees were costing me more than the annual fee on the card.
In my first review of my options for Switzerland, I already took a look at Revolut. They offer prepaid credit cards with free foreign exchange transactions! I did not want to consider it because there were a few problems. In this post, I am going to come back to these problems. I finally decided to order a Revolut credit card! And I found out a process to top up a Revolut card for free in Switzerland!
Continue reading “Revolut Credit Card – No more foreign exchange fees!”
After all the problems I had with Bluehost, I decided to migrate my blog from Bluehost to SiteGround. I still have some months of hosting at Bluehost. But I do not want to deal with them anymore. I am sure they capable of messing up again during that time. Thus, I decided to do the transfer as soon as possible. As you read this post now, the website is now hosted at SiteGround.
It took me a bit longer than I thought for the transfer. And I did not have as much time as I needed. So I am a bit late on my blogging schedule. In this post, I am going to show how I did the transfer to SiteGround. I hope this will help realize that it is quite easy to do the transfer. And I hope I can convince you that Bluehost is not a good host.
Continue reading “How to transfer a WordPress blog from Bluehost to SiteGround”
A few weeks ago, I compared the credit cards in Switzerland. I came to the conclusion that for me, the best credit card would be to use Cumulus Mastercard. Since then, I ordered the card, but I haven’t received it yet. I’m also waiting on Revolut to finally get a Swiss IBAN so that I can top it up for free.
However, there is a card I haven’t considered in my first comparison. The Touring Club Suisse (TCS) is offering two credit cards for its members. The first one is the TCS Member MasterCard. This is not really interesting since it does not have any cashback, but it’s free. What is more interesting is the TCS Travel MasterCard Gold. This card will cost you 100 CHF per year, although it’s free on its first year. But they will give you 1% cashback. In this post, I’m going to look at this card in details.
Continue reading “TCS Travel Mastercard Gold credit card – 1% cashback!”
In the first post of the Investing series, I covered the basics of investing. This should have given you a few important rules you should follow before you invest. However, we did not cover into details how to invest. In this post, I am going to cover the most important financial instruments that you can use to invest: Cash, Bonds and Stocks.
All these instruments are quite different. They are all important. If you are serious about investing, you should be aware of them. We are going to see the advantages and disadvantages of each of these instruments. By the end of this post, you should have a better understanding of them. And you can always ask questions for more information :)
Continue reading “Cash, Bonds and Stocks”
As you may have seen, my blogs was pretty much not working between last Thursday and Saturday. I had many issues with Bluehost and it took them an unreasonable amount of time to fix the issue. I already had issues before and this last one was a really bad outage. So, I decided I will never trust them again. Since I don’t trust them as hosting provider, I’m not going to recommend them anymore.
I’ve only started using Bluehost a few months ago. But I have had several issues in these months. And these last issues with the website being down for more than a day. They are really doing a bad job… I plan to migrate to another hosting provider soon. In this post, you’ll find the story behind this!
I’m going to start with a question: How many Bluehost support guys do you need to fix a SSL certificate ? You’ll find the answer below ;)
Continue reading “Why I will never recommend Bluehost again!”
At the beginning of this month, I started my new job. For the sake of anonymity, let’s say I am working for Pied Piper. I hope there are some Silicon Valley fans in my readers ;) Since I am just starting working at this company, I do not want to disclose it on this blog. And since I am still anonymous, I am going to try to stay like this.
This is going to be a shorter post than usual. In this post, I will describe all the financial aspects of my new job. I am really happy about my new job. Working at Pied Piper is an incredible opportunity. In my field, this is a great company. And in the region where I live, they offer really good conditions. This will help me a lot in my path towards Financial Independence (FI). As you will see, there are many advantages when working at Pied Piper.
Continue reading “My new job at Pied Piper – Opportunity and benefits”
For a while now, I wanted to buy a Do-It-Yourself (DIY) furniture myself. I wanted to do it principally for fun. And also, I wanted to save money on buying new furniture. Since we needed a new bookshelf for our living room, we decided to build a bookshelf ourselves.
We did it with my wife. None of us is an expert and it is our first DIY furniture. I am reasonably handy in general. And I built a few things with wood when I was a kid. But that was a long time ago. I watched a lot of DIY videos on Youtube and it taught me a lot. But that is all the experience I have. If you have advice for us, do not hesitate to let us know :) In the end, we still managed to build something quite nice for our experience :)
In this post, I am going to go over all the steps necessary to build this project. And since it is a finance blog, I am also going to go over the costs of building the wook shelf.
Continue reading “How to build a DIY bookshelf for 65$”