Cryptocurrencies and cryptoassets are digital means of exchange that use strong cryptography to secure transactions, control the creation of additional units, and verify the transfer of assets. In short, they constitute “digital money”. In recent years this currency has become very popular as a form of investment, especially among young people, a group willing to take a lot of risk in exchange for a higher return.
The evolution of customers -who are now multichannel and demand comprehensive, streamlined, accurate and personalized responses- is one of the main reasons for the emergence of the Insurtech phenomenon. This term refers to a new offer from insurance companies. It relies on technologies like big data, blockchain, artificial intelligence, cloud computing, machine learning and the Internet of Things, among others, to create new products and services that are perfectly adapted to the needs of each policyholder.
Child allowances are often a source of doubt for many families. From whether or not to actually pay them an allowance to when to start or how much money to give at each age.
Saving is the basis of healthy and stable personal finances. It is the cornerstone that will later support your entire financial system and perhaps the most important element for achieving financial peace of mind.
For the UN, energy is the root of the climate change problem and also a key factor in its solution. Using electricity you produce yourself is a growing trend and more and more people are deciding to generate their own energy by installing solar panels at home. In this way they become independent of the electricity companies, save money, avoid price increases, and reduce CO2 emissions into the atmosphere.
We all like to get free stuff and think we’ve got a bargain. These are the cornerstones of cashback, a marketing technique that rewards your purchases with savings, but it can be dangerous if you don’t know when to take advantage of it.
There are many ways to organize your finances so you can save and invest. The envelope method is one of the simplest and most traditional.
Have you ever felt like you were making decisions on autopilot? You don’t understand how you ended up buying that big TV? Why you save so little, even though you know it’s important? The answer to all these questions lies in your brain and what are known as cognitive biases.
What should you do with your emergency fund? Is it possible to get a return on the money you put aside for unexpected events? This question is becoming increasingly common in the face of rising inflation.
An economy goes into recession when its Gross Domestic Product (GDP) contracts for two consecutive quarters. This is the technical definition of a recession, something that already happened in the United States as well as in the eurozone in the first quarter of this year.
Saving and managing your finances is a lot like dieting or exercising. You always start off strongly and with enthusiasm. However, as time goes by, bumps in the road and unexpected events come along, then excuses, and finally you give up and go back to your previous routines.
Whether it is good debt or bad debt, mortgage or credit card debt, with debt there always comes a time when it hurts and the question arises: how can I get rid of it? Should I sell my investments to pay off the debt?
Fixed income is back in fashion with Treasury Bills taking a starring role. The demand for these has been so high that it has forced the Bank of Spain to change the contracting system to avoid queues.
Can you imagine a life without having to work? Living on an income or retiring young is the dream of many people and the best way to achieve it is through passive income.
Each household spends an average of 5,050 euros a year on food and non-alcoholic beverages, according to the data from the Spanish National Institute of Statistics (INE). Of this total household budget, 16% is spent on shopping and covering these basic needs.
They are looking for programmers to develop the Internet of Things, experts in digital marketing, specialists in big data, IT, the cloud, and software, as well as data analysts, cybersecurity and UX/UI experts, and people who can act as intermediaries between the business and technical departments… Although this job offer may seem to be that of a company in the technology field, the truth is that these are the skills most in demand for today’s insurance companies.
Mobility is evolving, there are more and more hybrid and electric vehicles on our roads and the insurance policies that protect drivers are adapting to the new scenarios. A very clear example of this is insurance for electric cars.