Alternatives to borrowing money that doesn’t include your friends and family

Alternatives to borrowing money that doesn’t include your friends and family.

18 alternative investments investors should consider

Investment opportunities for inventors are becoming harder to score better returns. Alternative investments are several options that provide decent returns. But is alternative investing riskier?

Is cat insurance worth it?

Cats may have nine lives but still need the right care if they get sick or injured. Vet bills can quickly mount up, but pet insurance can help cover these costs and ensure your cat receives the best care possible.

Dog insurance: how it helped a pet dog who developed a sudden heart condition

Every pet owner hopes to be that policyholder who’d purchased nothing more than peace of mind. But once they need it, they are happy they have it.

Goodbye role-based salary! Hello skills-based pay!

One of the biggest changes we’re seeing is the move from traditional role-based salary structures to skills-based pay models. There is a growing recognition that an employee’s skills are often more valuable than their job title.

Common investment mistakes to avoid

Despite learning the lessons of history, there are still plenty of common investment mistakes that investors perform. Our updated 2024 guide will get you started for building a prosperous investment portfolio.

Understanding pet insurance: A guide to protecting your furry friends

Find out what dog and cat insurance covers, what types of policies you can choose from and common exclusions to watch out for.

Comparing gyms in Estonia

Finding a fitness or health club that will meet all your personal targets and help you stay motivated requires asking some key questions, and being realistic and upfront about your goals.

But how do you find the right gym?

What should you be looking for? Price? Equipment? Location?

Finding the ideal gym to aid you in reaching goals is challenging, so here is an overview of a list of gyms to help you get started.

Myfitness
Myfitness is Estonia’s biggest sport and fitness club chain, allowing customers to use their 13 different centres in Tallinn simultaneously, with a further five located around Estonia—(Three in Tartu, one each in Viljandi and Narva). Myfitness is very popular among locals because it offers a variety of classes (Cardio, Strength, Body and mind and children) combined with well-equipped gyms with dedicated personal trainers.

It has something for everyone!

P2P investing myths: Separating fact from fiction

A fair share of P2P investment scams have led to a rise in so-called P2P investing myths. Yet how justified are these myths? Let’s separate fact from fiction.

Why do so few women do investing?

Why do so few women do investing? Very few women invest, yet when they do, they statistically outperform men. Why then, are not more women investing?

How to save money on household utility bills

Winter is soon upon us, and many families around the country will begin to be concerned about how high energy bills will be and the cost of living through winter.

Household costs like electricity, gas, water, broadband, car insurance and mobile phones consume most of our household budgets.

Rather than wait for the onset of another winter where prices will inevitably rise – now is the time to take stock and consider how we could save before winter arrives again.

By following these simple tips, you can save money and energy too!

Switching energy providers is more straightforward than you think.

The simplest way to examine and compare alternative suppliers’ contracts and prices are to view which deal will suit your home’s energy consumption using Comparison websites like Võrdle to assess all the Estonian energy suppliers.

How risky is P2P lending? [And how to manage the risk]

As with any investment, there are risks to investor capital. The trick is to manage P2P lending risks so that investments are both lucrative and safe.

Dealing with home loan problems: what to do when you can’t pay your mortgage

If you’re having difficulty paying your mortgage or home loan or are already behind on your payments, what’s the best way to avoid losing your home?
This article discusses possible solutions to difficulties in making mortgage and home loan payments but is not intended to substitute for personal legal or financial advice.

According to the recommendation of minuraha.ee, a consumer website run by the Financial Supervision Authority Finantsinspektsioon, the total amount of loans to be repaid each month should be at most 50% of the family’s monthly income.

11 tips to know before starting P2P investing

Before starting P2P investing, consider these 11 smart tips for minimising your risk and gaining higher returns using a P2P platform.

6 ways you can shave years off your mortgage

Mortgages are your biggest monthly outgoing. It would significantly boost your lifestyle if you did not have to pay this each month. There are ways to reduce your mortgage length; here are seven tips.

This may sound obvious, but making additional payments can save you more in the long term. Every extra pound you add can reduce the interest you will pay and the mortgage’s length.

Making additional payments depends on your personal circumstances. Can you afford to do this? With the current cost of living crisis, finances are walloped by the present economic situation, and many feel that paying extra is not an option.

Many lenders permit a certain amount of fixed payments annually, then apply an overpayment penalty. If so, ensure you continue to put money aside but in a savings account so that when you can make a lump sum, it is there to pay off your mortgage sooner.

Are you an emotional spender?

However good you are at managing your money, your emotions can urge you to make unnecessary purchases. Are you an emotional spender?

Are low-risk, high-return investments a myth?

Investing at its very core is simple. It’s all about risk and returns. But is there a thing as a low-risk, high-return investment? MoneyHub discusses.

How to get a home improvement loan

A home improvement loan is designed to help you get more from your property, whether you’re buying a new kitchen, fixing a leaky garage, or giving your property a new lease of life.

Building your investments – Property investing

If you consider property investing, there are certain factors you have to take into account before deciding if it is a sound investment for you.

The rush for rare coins – the new alternative gold rush?

Volatile markets cause investors to flock to new alternative investment opportunities. One such strategy is investing in rare coins, the new gold rush.

How debt damages your personal relationship(s)

Debt can cause an unbelievable amount of pressure on relationships, causing disputes, quarrels and frustration from either partner.

In a debt-ridden environment, staying strong as a couple can be challenging. Either or both partners can become cold and withdrawn from each other, leading to repeated arguments on how the debt was accumulated in the first place.

Moreover, trust within a relationship can be damaged or, worse, broken.

How does debt become a problem in relationships?

Couples get into debt for several reasons.

The most common is a significant life event, like getting married, illness or having a child. Changes in circumstances can have a considerable impact on a couple’s finances, and adjusting can be financially challenging.

Fine wine, fine profits?

Fine wine is one of the most talked-about alternative investments. Yet Is fine wine investing an opportunity for retail investors or the preserve of a few expert specialists?

Art flipping: How does it work, and is it a good alternative investment?

Art dealers claim that the number of people flipping artworks has grown immensely in recent years. But is it right to do, and can it turn investors a profit?

What are NFTs, and why are they worth investing in?

NFTs are commanding exorbitant sums of money. But what are they, and are they worth investing in as an alternative investment?