Shopping for an engagement ring feels a bit surreal. It is one thing to think about marrying your partner and thinking how lucky you are. It is a very different story to ask for permission from his or her parents and take concrete steps to prepare the perfect proposal. I vividly remember my proposal to […]
How the 2018 Budget affects your personal finances and your business
The Chancellor of the Exchequer, Philip Hammond, delivered the 2018 Budget to the House of Commons. Most measures in the 2018 Budget will enter into force on 6 April 2019, which will mark the beginning of the new fiscal year. Or they should become effective at that time. The Chancellor indicated that a new “fiscal […]
Student loans are a scary ticking time bomb
Last weekend was my law school reunion weekend in Washington, DC. It’s incredible to see how much people have achieved in five years. It is also crazy to see how very little has changed. Some left the legal profession and other stayed, relationships strengthened or fell apart, and overall people look quite good. We […]
How to get your deposit back
A few months ago, I moved out of my old apartment. Moving is stressful for everyone. Packing, finding a new place, moving boxes, unpacking, sorting and decorating are all necessary steps. Retrieving your deposit is, however, one of the most important steps. Unfortunately, what should be a simple task too often turns out to be […]
Should I rebalance my portfolio when the stock market is crashing?
For the first time in months, US equities almost went into full correction mode. While valuations are still very high, many portfolios will have felt the pain. That’s because most portfolios will follow a common asset allocation strategy split between equities and bonds. Equities are viewed as the riskier assets but also the more rewarding […]
Why holding cash is not necessarily a stupid idea
Asset allocation refers to a strategy that aims at creating diversification within a portfolio in order to balance risks. By dividing assets across certain categories such as stocks, real estate or bonds, you are reducing your risk exposure to a single asset. Each asset has a different level of risk and returns, which means that […]