Smart money
Form W-8BEN explained: who needs it, how to fill it in line by line, what is different by country, how long it lasts, and the US dividend withholding rate for the 27 EU states, the UK and the rest of the world. Checked against dated IRS and national sources in October 2026.
Benjamin Graham, the investor often credited as the father of value investing, was known for favoring simple, durable ideas over complicated models. One of the most useful is the Rule of 72 — a shortcut that answers a question every…
Our ECB rate-hike article covered the policy move itself — the deposit facility rate rising to 2.50% on 16 September 2026 — with a quick snapshot table of savings rates. Two weeks on, it’s worth a closer, dedicated look: which…
On 10 September 2026, the European Central Bank announced a 25 basis point increase to the ECB deposit rate, effective 16 September 2026: the deposit facility rate rose to 2.50%, the main refinancing rate to 2.65%, and the marginal lending…
Between 2018 and 2022 we published several articles reviewing P2P lending and real estate crowdlending platforms. Since then, some of these platforms have collapsed, closed or come under official scrutiny. This page lists only the cases we could confirm with…
ETF Research How to Choose the ETFs That Fit You Published: November 5, 2025 Starting to invest doesn’t have to be complicated—especially when execution costs aren’t fighting you. With trading fees as low as 0.14% + €3 on European…
Bondora Go & Grow: Investing Made Effortless for Everyone Published October 28, 2025 · My Passive Income Bondora Go & Grow is designed to remove friction from investing. With daily growth, instant access to funds, and a simple experience built…
Beyond Tech: The Timeless Strength of Dividend Aristocrats Over the last two decades, investor attention has largely gravitated toward technology stocks—for good reason. Innovation cycles and rapid scaling have driven remarkable returns. Yet behind the fanfare lies a durable counterweight:…
The truth is that in no field of investment are there as many wrong opinions as there are about cryptocurrencies. And in the online environment there are not only erroneous ideas, but also numerous misinformation and outright frauds. There are…
To be a successful investor it is essential to understand and overcome the biases that often lead to wrong investment decisions. A common misconception, especially among many new investors, is the belief that investing in the stock market can make…