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On the occasion of Home Expo (formerly the Autumn Fair), we've brought together all the important information you need to get started on your housing project! From financing to ecological subsidies, you'll find everything you need to know about your future home. Happy reading!

You've heard so much about them that you can't ignore them any longer. Especially as you now see them just about everywhere… except on your roof! Now is the time to take a more serious interest, for the sake of our planet!

Ferdinand-Marc Gallinelli's takeover of the Dessange group in Luxembourg, after devoting virtually his entire career to this internationally renowned French brand, marks the culmination of a successful career. During our interview, we wanted to find out about what motivates him and the various steps that had made him a major entrepreneur in the Luxembourg hairdressing market, as well as the details of this business takeover, which has been supported by our experts Johny Basher and Franck Alter from the Transfer team at Spuerkeess. Happy reading!

Passing on your business to a third party or within your family is a crucial stage in the life of your company, just as taking over a business marks the start of a new life for a business owner. At Spuerkeess, these two important steps are taken with the advice and support of dedicated experts. Whether you are the assigner or assignee, our experts Johny Basher and Franck Alter, both business transfer advisers at Spuerkeess, reveal the keys to a successful transfer in this article. Happy reading!

Are you self-employed in Luxembourg, live there and want to boost your retirement? Do you want to cover yourself and your loved ones against the risk of death or disability? In this article, our expert Bruno Mendes, Business Advisor Coordinator at Spuerkeess, explains why and how you can benefit from a highly advantageous tax framework. Happy reading!

Are you self-employed in Luxembourg, live there and want to boost your retirement? Do you want to cover yourself and your loved ones against the risk of death or disability? In this article, our expert Bruno Mendes, Business Advisor Coordinator at Spuerkeess, explains why and how you can benefit from a highly advantageous tax framework. Happy reading!

Fred Giuliani spent his whole career in IT before co-founding a start-up in Luxembourg. With his LetzTrail app, he hasn’t chosen to come to rest, but rather to cover the miles on foot or by bike with his smartphone to guide him. In this article, he tells us about his app and what inspired him to embark on this project. Happy reading!

Three “Fit 4” support programmes offered by Luxinnovation already enable companies to improve their performance in three areas: digitalisation, sustainability and operational excellence. In July 2024, Lex Delles, Minister for the Economy, SMEs, Energy and Tourism, and Sasha Baillie, CEO of Luxinnovation, announced that existing programmes were to be standardised and simplified, and a new one to be launched: Fit 4 Digital - AI. We asked Emmanuelle Kipper, Senior Advisor - SME Performance at Luxinnovation, to tell us more about these performance programmes for businesses.

What are the various aspects of responsible banking and what are the challenges faced by banks? In this interview, Aude Payan and Elena Fuzzi, respectively Director and Senior Manager in Risk Consulting and in charge of ESG services for credit institutions at KPMG provide detailed insight and examples for innovative strategies for financial institutions to advance ethical banking standards.

The Luxembourg Private Equity and Venture Capital Association (LPEA) has recently launched a technical committee dedicated to fund financing. In an exclusive interview, Yves Wampach, IRM – Lending-Fund Finance at Spuerkeess and newly elected co-chair of the new ‘Fund Financing’ Technical Committee” within the LPEA, shares the origins of this initiative and its ambitious goals.

When working together, banks and NGOs can ensure a real-world impact. Banks provide financing for sustainable projects, while NGOs raise awareness and propose projects for funding. In this interview, Nicoletta Centofanti, CEO at LSFI, explains how banks and NGOs should collaborate together to drive positive social impact.

Do you like the idea of helping to finance a project that respects the planet and treats its employees fairly, with ethical values? In this case, Alternative Savings from etika should be of particular interest to you. Any project that respects the environment, and/or involves social issues and/or is based on solidarity, is worthy of special attention from Spuerkeess, which proposes a solidarity mechanism, the Alternative Loan, in partnership with etika. Find out more about these two solidarity products in this article, with our expert Zoé Peter, Corporate Relationship Manager at Spuerkeess.  

Do you like the idea of helping to finance a project that respects the planet and treats its employees fairly, with ethical values? In this case, Alternative Savings from etika should be of particular interest to you. Any project that respects the environment, and/or involves social issues and/or is based on solidarity, is worthy of special attention from Spuerkeess, which proposes a solidarity mechanism, the Alternative Loan, in partnership with etika. Find out more about these two solidarity products in this article, with our expert Zoé Peter, Corporate Relationship Manager at Spuerkeess.  

Do you like the idea of helping to finance a project that respects the planet and treats its employees fairly, with ethical values? In this case, Alternative Savings from etika should be of particular interest to you. Any project that respects the environment, and/or involves social issues and/or is based on solidarity, is worthy of special attention from Spuerkeess, which proposes a solidarity mechanism, the Alternative Loan, in partnership with etika. Find out more about these two solidarity products in this article, with our expert Zoé Peter, Corporate Relationship Manager at Spuerkeess.  

Mayday! Mayday! The moment Sophie has been dreading has arrived: from 31 December 2024, it will no longer be possible to access S-Net without using Luxtrust Mobile! That gives her six months to convince her dad to accept the technology and replace his physical Token with the Luxtrust Mobile app. And if you’d had dealings with her dad, you’d know that’s no easy task!

What are the major issues regarding CSR and sustainability in Luxembourg, and what specific obstacles do the country’s economic players face when they seek to establish sustainable communities? In this interview, Laetitia Georgel and Sophie Öberg from IMS Luxembourg tell us about the involvement of Luxembourg companies in the field of corporate social responsibility and sustainability, and offer five practical tips for building sustainable communities.

Private asset funds in general and their ancillary entities have gained a strategic importance within Luxembourg's financial ecosystem and lending to the fund industry is playing a growing role on the financial place. In the context of these market dynamics, Spuerkeess completes its product offering to the Luxembourg fund industry with two main lending products: Equity bridge financing (EBF) to Luxembourg alternative funds and other liquidity credit facilities to mainstream / alternative funds. In setting up a new Luxembourg fund or in driving growth for existing ones, why not taking advantage of such facilities, should the structuring and risk profile match the risk appetite of the bank? In this first article, Paolo RADAELLI, Team Manager Lending-Fund Finance and Yves WAMPACH, IRM – Lending-Fund Finance at Spuerkeess introduce the EBF product offered by the bank.

As a transition enabler, Spuerkeess plans to contribute to the national target of electrifying 49% of Luxembourg’s car fleet by 2030. Thus, since 2018, the Bank has included electric vehicles in its Lease Plus offer, and these now account for 80% of the leases taken out by the Bank's customers. This very strong interest in electric cars is partly due to the desire to "consume better and more sustainably", but is also due to our attractive Lease Plus offers. Emir Mustafic, Business Developer - Private Lease at Spuerkeess, gives us the criteria to be taken into account when buying or leasing an electric vehicle.

How can financial institutions leverage technology and data analytics to mitigate environmental risks within their investment portfolios? What are the strategies adopted by banks to align their financial services with sustainable development goals and how they can incentivise customers to adopt eco-friendly banking habits? In this interview, Julien Froumouth, Sustainable Finance Adviser at ABBL, addresses the role of Luxembourg's banks in financing renewable energy projects and supporting the transition to a low-carbon economy. Furthermore, Julien provides five tips for readers to assess a bank's corporate behaviour regarding environmental responsibilities.

In this interview, Mariana Ruiz, Senior Social Development specialist at the European Investment Bank, tells us how banks can promote social justice by integrating human rights considerations into their lending practices and investment decisions. Do not miss Mariana’s five useful tips to make informed choices that align with your human rights principles.

Originally from Canada and an expatriate, Kasia has plenty of creative ideas when it comes to getting involved in ecological projects. After a baby and a pandemic, her desire to help others was too strong not to embark on an entrepreneurial project. What steps did she take to set up her own business? In this article, she explains her journey. Happy reading!

Financial incentives encourage companies to adopt more environmentally-friendly practices. Both governments and the private sector play a crucial role in this dynamic. Luxembourg is implementing legislative measures to reduce the amount of plastic waste, while providing practical advice on concrete actions at a local level. Charles-Albert Florentin, Cleantech Cluster Manager at Luxinnovation, shares his expertise on sustainable innovation in Luxembourg, with a focus on the global impact of financing to combat plastic pollution.

Looking back to the events of early 2022 and the developing global crisis and challenges, the real estate market in Luxembourg has known some changes: price adjustments, decrease of new constructions and high interest rates have taken their toll. We spoke to Andrea Maramotti, CEO of Immotop.lu about the actual situation.

When you are self-employed, an SME, an association or a large company, you may need to pay for certain products and services by means other than by bank transfer. Some stores will agree to give you the invoice at the same time as your goods, but others don't have that option, which can make an ordinary purchase more complicated than expected for your financial management. A business bank card is a good way to resolve this kind of situation. Discover what Spuerkeess can offer for your business in this article. Enjoy your reading!

The new government has stated its intention to boost the housing sector and made this an urgent priority for its administration. Measures have been announced and changes are under way. How does this affect mortgages? We interviewed our expert Michel Marx, Team Manager Retail Banking at Spuerkeess, to find out the situation with regard to investments and the financing of buy-to-let properties. Happy reading!

The new government has stated its intention to boost the housing sector and made this an urgent priority for its administration. Measures have been announced and changes are under way. How does this affect mortgages? We interviewed our expert Michel Marx, Team Manager Retail Banking at Spuerkeess, to find out the situation with regard to investments and the financing of buy-to-let properties. Happy reading!

The new government has stated its intention to boost the housing sector and made this an urgent priority for its administration. Measures have been announced and changes are under way. How does this affect mortgages? We interviewed our expert Michel Marx, Team Manager Retail Banking at Spuerkeess, to find out the situation with regard to investments and the financing of buy-to-let properties. Happy reading!

Rising interest rates, a crisis-ridden construction sector, falling property prices: that's the current situation on the property market. But what does this mean for private individuals looking to buy a property in 2024? We spoke to Claude Hirtzig, Head of Retail & Professional Banking, at Spuerkeess, to find out more about the development of the real estate market and housing financing.

Buying to renovate, or simply renovating your property after several years because it no longer meets today's energy standards, is a great project that requires certain knowledge. Before taking the plunge, you should find out what's new in the energy sector by contacting various suppliers and also by checking out all the state aid and private support available to ensure you get the most favourable financing. In this article, we'll look into the good reasons to start an energy renovation project this year.

Sustainable mobility offers significant benefits and challenges for organisations. Strategic approaches are essential to reduce emissions and promote greener transportation. Falk Fernbach, Director of Strategy and Innovation at LuxMobility, shares his insights on the matter and presents our readers 5 tips related to sustainable mobility.

Have rising interest rates, declining house prices and lower loan applications done the trick for Luxembourg's real estate sector? The answer is no! Although this sector has been affected by the crisis, several measures have been devised to keep property purchases affordable. Read on to find out why you should consider buying a property in 2024.

Growing up in Paris, Thierry developed a taste for cooking. He inherited his entrepreneurial spirit from his Chinese grandfather. With these ingredients, market analyses, recipe tests and production processes, Thierry embarked on the Seabiscuit adventure. Local production, regional products, sheltered workshops - these are just some of the key words in this project. Happy reading!!

Climate change risks are a growing concern for companies, including financial institutions, as they can be caused by physical effects, weather changes, or emissions reduction efforts. Integrating sustainability and climate risks into business strategies is crucial for a sustainable economy. Jean-Philippe Peters, Partner at Deloitte Luxembourg and Maria Josefin Johansson Juup, Senior Manager at Deloitte Luxembourg provide us with insights, as well as 5 useful tips for companies developing a climate risk management framework.

We’ve all heard about it, some of us have already used it... but can you define exactly what Open Data is? What is its purpose, its benefits? What is its reality in Luxembourg? And, finally, what are the short- and medium-term outlook? We spoke to Francis Kaell,Open Data manager within the government’s Information and Press Department, who provided insights, Mr Kaell works closely with Marie-Astrid Cauquy, from Spuerkeess’s Data Management department, to ensure the proper provision of data..

We’ve all heard about it, some of us have already used it... but can you define exactly what Open Data is? What is its purpose, its benefits? What is its reality in Luxembourg? And, finally, what are the short- and medium-term outlook? We spoke to Francis Kaell,Open Data manager within the government’s Information and Press Department, who provided insights, Mr Kaell works closely with Marie-Astrid Cauquy, from Spuerkeess’s Data Management department, to ensure the proper provision of data..

The financial industry can contribute to the European Green Deal by avoiding negative investment and promoting sustainable finance. There has already been cooperation between Spuerkeess and etika since 1996. In the current environment, sustainable economic activities remain a priority. We spoke with etika’s Ekkehart Schmidt about the latest developments and five useful tips on how we can all drive sustainable change in the financial industry.

According to recent studies, a great deal of children grow up not knowing how money is earned or managed. In their daily adult life, a lack of financial skills can lead to unnecessary stress that is entirely preventable. Teaching money skills to your children is as important as learning to read and write or brushing their teeth. We talked to Dr Mara Catherine Harvey, CEO of VP Bank (Switzerland) Ltd and Head Region Europe, and founder of SmartWayToStart.com, about pocket money and embarking on your financial parenting journey. Happy Reading!

According to recent studies, a great deal of children grow up not knowing how money is earned or managed. In their daily adult life, a lack of financial skills can lead to unnecessary stress that is entirely preventable. Teaching money skills to your children is as important as learning to read and write or brushing their teeth. We talked to Dr Mara Catherine Harvey, CEO of VP Bank (Switzerland) Ltd and Head Region Europe, and founder of SmartWayToStart.com, about pocket money and embarking on your financial parenting journey. Happy Reading!

Sophie and Marc are always squabbling about the same thing. While Marc is a big fan of Apple products, Sophie goes out of her way to use devices made by competitor brands – just to annoy him. And with the message that she has just received from her bank, the war is declared!

Antoine, who originally comes from France and has a background in marketing, decided to try his hand at entrepreneurship in 2021 and set up his company WE ARE VOYAGERS in Luxembourg. His goal: to create a clothing brand made from recycled and French-made garments to consume fashion differently and move away from fast fashion. Happy reading!

Luxembourg's industrial sector is transitioning to renewable energy and has to overcome challenges like high electricity costs and infrastructure investments. Strengthening manufacturing capacities and promoting green reindustrialization is crucial for the economy. We spoke to Dr. Gaston Trauffler, head of industrial policy at FEDIL who provided insight and five useful tips for our readers.

Why use open data? We spoke to Romain Van De Louw and Marie-Astrid Cauquy, members of the Spuerkeess Data Management department. They provided us with information on a specific use case, real estate risks and open data in their everyday business activity.

Why use open data? We spoke to Romain Van De Louw and Marie-Astrid Cauquy, members of the Spuerkeess Data Management department. They provided us with information on a specific use case, real estate risks and open data in their everyday business activity.

During the week of 18 to 22 March 2024, Fondation ABBL pour l’éducation financière (ABBL Foundation for Financial Education) is organising the 10th Woch vun de Suen (Money Week) for pupils in cycle 4 (aged 10 to 12) in primary schools in Luxembourg, with the aim of developing a better understanding of the value of money and the importance of knowing how to manage a budget through a fun activity. Angèle Schmitz, staff member of the Marketing business unit at Spuerkeess, has been our in-house coordinator since the beginning of this initiative. Find out more about this initiative, which is one of many activities focusing on financial education in Luxembourg.

During the week of 18 to 22 March 2024, Fondation ABBL pour l’éducation financière (ABBL Foundation for Financial Education) is organising the 10th Woch vun de Suen (Money Week) for pupils in cycle 4 (aged 10 to 12) in primary schools in Luxembourg, with the aim of developing a better understanding of the value of money and the importance of knowing how to manage a budget through a fun activity. Angèle Schmitz, staff member of the Marketing business unit at Spuerkeess, has been our in-house coordinator since the beginning of this initiative. Find out more about this initiative, which is one of many activities focusing on financial education in Luxembourg.

What is open data and what impact does it have on society? We spoke with Marie-Astrid Cauquy, member of the Data Management Department at Spuerkeess, who provided us with information as well as useful advice for our readers who wish to use open data effectively.

What is open data and what impact does it have on society? We spoke with Marie-Astrid Cauquy, member of the Data Management Department at Spuerkeess, who provided us with information as well as useful advice for our readers who wish to use open data effectively.

Why is corporate culture fundamental to ESG (Environmental, Social, and Governance) compliance and how does it set the tone for ethical behavior and responsible business practices? We spoke to Anthony Smith-Meyer, Executive Director at the Institute for Financial Integrity, and Sustainability (IFIS) who provided insight and five useful tips for our readers.

One of the realities of the last two years is that the cost of living is constantly on the increase. Heating, food and rising interest rates mean that many families are having to cope with a tighter family budget. Talking to your children about the cost of living can be tricky, but it's an important subject when it comes to preparing them to manage their finances in the future. We spoke to Tahereh Pazouki, Founder of Magrid Learning Solutions, on how to explain the cost of life to your children. Happy reading!

One of the realities of the last two years is that the cost of living is constantly on the increase. Heating, food and rising interest rates mean that many families are having to cope with a tighter family budget. Talking to your children about the cost of living can be tricky, but it's an important subject when it comes to preparing them to manage their finances in the future. We spoke to Tahereh Pazouki, Founder of Magrid Learning Solutions, on how to explain the cost of life to your children. Happy reading!

Julia drew on her professional experience in environmental education and the development of sustainable and innovative projects to co-create the on.perfekt cooperative. The main aim is to create distribution channels for less-than-perfect food in order to raise awareness of food waste. Happy reading!

How do banks prioritise investments in renewable energy projects and how do they incorporate climate risk assessments into their practices? In this interview, Isabelle Delas, CEO at LuxFLAG dives into the emerging trends in the banking sector and provides five practical tips for those seeking banks that integrate sustainable practices into their day-to-day operations.

That's it, your annual leave is booked, now it's time to start organising your holidays! Has anything unexpected ever happened to you before you went on holiday? Since then, do you still hesitate to take out cancellation insurance? Find out in this article about the insurance and assistance services available to you, depending on the payment card you use to pay for your trip.

Given that interest rates remain high and investing your funds in savings accounts doesn’t bring you enough interest, what can you do, as a business, with your excess liquid funds? In this article, Jean-Luc Bermes, Corporate Banking at Spuerkeess, gives you three alternatives to savings that are highly appealing to businesses. Happy reading!

Data literacy is becoming increasingly important in today’s digital age. It refers to the ability to understand, interpret and communicate with data effectively. In a world where data is constantly generated and used to inform decision-making, having data literacy skills is crucial for individuals and organizations alike. What aspects matter in this field? We spoke to Bernard de Villepin, Data & AI Manager and Business Coach at PwC Luxembourg who provided insight as well as five useful tips for our readers who want to enhance their data literacy.

Halfway through our careers, we look back and wonder why we didn’t think about the future sooner. Did you know that even as a non-resident, you can take out a supplementary pension, with all its benefits? Why is the S-Pension private pension scheme the right choice at this stage in your life?

Marina, co-founder of WIDE ANDCO, has always been passionate about entrepreneurship. After learning to code, she realised there was a real need to train women in this field. Using digital technology to innovate and create a positive impact is one of her objectives. WIDE ANDCO obtained Societal Impact Company status at the beginning of 2022 and the adventure of this company has only just begun. Happy reading!

In June 2012, the OECD Council defined financial literacy as “a combination of awareness, knowledge, skill, attitude and behaviour necessary to make sound financial decisions and ultimately achieve individual financial well-being”.The subject is important and of concern to us all.. Among other things, acquiring financial skills enables people to better understand the economic and financial world, make informed decisions and better manage risks. We spoke to Jessica Thyrion, Financial Education Advisor with the ABBL Foundation, about the role of financial education in Luxembourg.

In June 2012, the OECD Council defined financial literacy as “a combination of awareness, knowledge, skill, attitude and behaviour necessary to make sound financial decisions and ultimately achieve individual financial well-being”.The subject is important and of concern to us all.. Among other things, acquiring financial skills enables people to better understand the economic and financial world, make informed decisions and better manage risks. We spoke to Jessica Thyrion, Financial Education Advisor with the ABBL Foundation, about the role of financial education in Luxembourg.

In June 2012, the OECD Council defined financial literacy as “a combination of awareness, knowledge, skill, attitude and behaviour necessary to make sound financial decisions and ultimately achieve individual financial well-being”.The subject is important and of concern to us all.. Among other things, acquiring financial skills enables people to better understand the economic and financial world, make informed decisions and better manage risks. We spoke to Jessica Thyrion, Financial Education Advisor with the ABBL Foundation, about the role of financial education in Luxembourg.

Completing studies: check. Finding the first job: check. Having a head full of plans reminds you that you have your whole life ahead of you to achieve them, because you’re young. However, this is precisely why we need to talk to you about your retirement. Retirement may still seem a long way away to you, but read this article to understand why now is the right time to think about it!

While the Autofestival is being prepared in the various car dealerships and garages in Luxembourg, Sophie and Marc are asking themselves 1001 questions! Which car should you buy with a child and a dog? Is it better to buy or to rent? All they know is that they need a second car and for the rest of their questions, they count on Autofestival to answer them.

While the Autofestival is being prepared in the various car dealerships and garages in Luxembourg, Sophie and Marc are asking themselves 1001 questions! Which car should you buy with a child and a dog? Is it better to buy or to rent? All they know is that they need a second car and for the rest of their questions, they count on Autofestival to answer them.

In a rapidly changing world, the need for businesses to prioritise environmental, social and governance (ESG) issues has become increasingly apparent. As consumers demand greater transparency and accountability, banks have a unique opportunity to contribute to a positive change. We spoke to Julie Batsch, Audit Partner, Banking and Capital Markets Leader at PwC Luxembourg, Jörg Ackermann, Partner, Banking Advisory Leader at PwC Luxembourg and Frédéric Vonner, Advisory Partner, Sustainable Finance and Sustainability Leader at PwC Luxembourg who provided insight and five useful tips for our readers.

Your child is about to turn 18 - it’s hard to believe he is an adult now! It seems like just yesterday that you held him in your arms for the first time, but that already was 18 years ago. Time really does fly! The only thing that matters for him at the moment is to pass his driving licence and buy his first car.

Your child is about to turn 18 - it’s hard to believe he is an adult now! It seems like just yesterday that you held him in your arms for the first time, but that already was 18 years ago. Time really does fly! The only thing that matters for him at the moment is to pass his driving licence and buy his first car.

Your child is about to turn 18 - it’s hard to believe he is an adult now! It seems like just yesterday that you held him in your arms for the first time, but that already was 18 years ago. Time really does fly! The only thing that matters for him at the moment is to pass his driving licence and buy his first car.

The banking sector is evolving rapidly thanks to technological advances such as mobile banking and artificial intelligence. These innovations are revolutionising the way we manage our finances and interact with financial institutions. Christophe Medinger, Head of Digital Banking at Spuerkeess, talks to us about the banking trends for 2024 and explains why the digitisation of banking services will continue to gain momentum.

Jessica has always considered design to be her vocation. The birth of her son made her reflect on the meaning of her work after being employed as a jewelry designer for several years. Setting up her own creative business, considering ethical and environmental aspects, upgrading existing objects through recycling and upcycling - these are the core ingredients of her DIMANCHE MATIN project. Happy reading!

Alec, Joao and Eric, who has just joined, have created DèsVuStays, a B2B platform that offers all types of accommodation, from company accommodation to long-stay hotel accommodation, thereby helping companies to streamline their search for temporary accommodation for expatriate employees and others. Find out more about their backgrounds, visions and challenges in this article. Happy reading!

In this ever-changing world, it is critical to understand the projected changes in global temperature and their impact on climate conditions, ecosystems, biodiversity, and natural resources. Rising greenhouse gas emissions have played a significant role in our shifting climate patterns, making it essential to explore consequences and seek innovative solutions to mitigate these effects. We spoke to Andrew Ferrone, the president of the « Observatoire de la Politique Climatique » who shared his insights and provided sustainability tips for you in 2024.

The recent arrest of 10 offenders on suspicion of being 'money mules' has once again drawn public attention to this money laundering practice. It seems that young people aged between 16 and 30 are increasingly likely to be "hired" as money mules. According to Europol, 90% of the money muling transactions discovered by the European Money Mule Actions are linked to cybercrime (phishing, etc.). Happy Reading!

Very large sums of money have already been stolen from companies through CEO Fraud, and it's never too late to protect yourself against these threats. To this end, we chose to interview our experts who are in direct contact with our business customers, as well as those in charge of data security. Jean-Luc Bermes and Philippe Hennes, Corporate Banking, and Lars Weber, Information Security Officer at Spuerkeess, share their recommendations on how to better protect yourself against these threats. Happy reading!

The contemporary wave of democratizing private equity investments, coupled with the recent modifications of Luxembourg's fund regulations, including the ELTIF framework, as well as the overarching trend of companies staying private for longer – all of these are driving the growth of Private Equity investments and funds in Luxembourg. In the context of these prevailing market dynamics: Why should fund initiators team up with Spuerkeess, both as a business partner and universal bank? This question is tackled by Claudio Pompei, Team Manager Business Development, Institutional Relationship Management at Spuerkeess.

Are you a doctor, physiotherapist or self-employed professional in the healthcare sector? Are you about to open a medical practice but don't have a clue about the best way to manage your finances? If there are several of you in the same practice, do you only need one account? Or is it better to have more than one to make it easier to keep an eye on payments? If these are just some of the questions you're asking yourself right now, the sound advice in this article from our expert Bruno Mendes, Business Advisor Coordinator at Spuerkeess, will help clear things up.

A rainy Sunday - time to tidy up your desk! It's an activity that often leads to long-lost items being found, such as the document Marc was looking for everywhere, his stapler and then his LuxTrust token. But hasn't he seen on social networks that we’ll soon be saying “bye bye” to the token? Find out how LuxTrust Mobile makes banking easier.

A rainy Sunday - time to tidy up your desk! It's an activity that often leads to long-lost items being found, such as the document Marc was looking for everywhere, his stapler and then his LuxTrust token. But hasn't he seen on social networks that we’ll soon be saying “bye bye” to the token? Find out how LuxTrust Mobile makes banking easier.

With her deep desire to make a difference in this world, Giulia came to Luxembourg in 2020, where she decided to take her existing business next level and transform it into a social enterprise (SIS). Her primary goals are to promote gender equality and give women in business greater influence in order to create a society that is fair and inclusive. Happy reading!

Sustainable banking implies taking the environmental, social, and governance (ESG) effect of banking operations and activities into account. By prioritizing investments in renewable energies and socially responsible firms, sustainable banking also assists banks in mitigating the effects of climate change and funding the future low-carbon economy. Julien Froumouth, Head of Sustainable Finance at ABBL, elucidates us and provides five useful tips on how to make sure our money is green.

This year Spuerkeess is participating in the 41st Stock Market Learning competition, a realistic stock market simulation contest and the only one of its kind in the Grand-Duchy. Claude Hermes from the Marketing department explains why Spuerkeess is holding this competition.

This year Spuerkeess is participating in the 41st Stock Market Learning competition, a realistic stock market simulation contest and the only one of its kind in the Grand-Duchy. Claude Hermes from the Marketing department explains why Spuerkeess is holding this competition.

Sophie is intrigued by Marc’s new hobby and would really like to understand why he is spending so much time on his smartphone scrolling through the news about publicly traded companies. There’s no point asking him to explain what’s so fascinating – he’s much too engrossed in his reading to reply. So Sophie has an idea that will make Marc sit up and take notice!

Sophie is intrigued by Marc’s new hobby and would really like to understand why he is spending so much time on his smartphone scrolling through the news about publicly traded companies. There’s no point asking him to explain what’s so fascinating – he’s much too engrossed in his reading to reply. So Sophie has an idea that will make Marc sit up and take notice!

Mum can already feel the first kicks in her tummy and Dad is eager to know the baby's sex, while Grandma cannot wait to spoil the baby and Grandpa is bursting with pride. As you may have guessed, the family is preparing for a happy event this summer. That means the young, future parents are overwhelmed with questions to which they need answers so that they can make the necessary preparations.

Mum can already feel the first kicks in her tummy and Dad is eager to know the baby's sex, while Grandma cannot wait to spoil the baby and Grandpa is bursting with pride. As you may have guessed, the family is preparing for a happy event this summer. That means the young, future parents are overwhelmed with questions to which they need answers so that they can make the necessary preparations.

Mum can already feel the first kicks in her tummy and Dad is eager to know the baby's sex, while Grandma cannot wait to spoil the baby and Grandpa is bursting with pride. As you may have guessed, the family is preparing for a happy event this summer. That means the young, future parents are overwhelmed with questions to which they need answers so that they can make the necessary preparations.

Our world has truly become digital. In the media you regularly come across terms like FOMO (fear of missing out), and nomophobia (irrational fear of being without your mobile phone) as well as worries about the impact of social media on young people. But do parents understand how their children use social media, and what problematic social media use is? Dr. Claire van Duin and Dr. Carolina Catunda, researchers at the University of Luxembourg, talk to us about problematic social media use and provide five useful tips for parents that worry about their children’s social media use.

Investing for your children gives you the chance to build up a fund for major expenses in the future, such as a university education or a down payment on a house. S-Invest, the Spuerkeess investment plan, offers a long-term investment opportunity. Filipe Dos Santos Coimbra, branch manager at the John F. Kennedy branch, explains to us why you should invest for your children.

Investing for your children gives you the chance to build up a fund for major expenses in the future, such as a university education or a down payment on a house. S-Invest, the Spuerkeess investment plan, offers a long-term investment opportunity. Filipe Dos Santos Coimbra, branch manager at the John F. Kennedy branch, explains to us why you should invest for your children.

For her internship at the end of her university degree, Sophie had the opportunity to spend six months in the US. She had a great time, and was able to experience Halloween the way it’s supposed to be, just like she’d seen in the movies. It’s traditional in America for the streets to transform into rows of haunted houses, each more elaborately decorated than the next, and for residents to dress up as all kinds of different characters. This year, to mark the occasion of Shauna’s arrival in Luxembourg, Sophie is planning to invite her to a US-style Halloween.

For her internship at the end of her university degree, Sophie had the opportunity to spend six months in the US. She had a great time, and was able to experience Halloween the way it’s supposed to be, just like she’d seen in the movies. It’s traditional in America for the streets to transform into rows of haunted houses, each more elaborately decorated than the next, and for residents to dress up as all kinds of different characters. This year, to mark the occasion of Shauna’s arrival in Luxembourg, Sophie is planning to invite her to a US-style Halloween.

For her internship at the end of her university degree, Sophie had the opportunity to spend six months in the US. She had a great time, and was able to experience Halloween the way it’s supposed to be, just like she’d seen in the movies. It’s traditional in America for the streets to transform into rows of haunted houses, each more elaborately decorated than the next, and for residents to dress up as all kinds of different characters. This year, to mark the occasion of Shauna’s arrival in Luxembourg, Sophie is planning to invite her to a US-style Halloween.

Three friends who shared a common dream: a trendy meeting place in eastern Luxembourg selling local wines and promoting Luxembourg's beautiful Moselle region. Charel Vandivinit, one of the initiators, tells us about their entrepreneurial journey, which was not without obstacles. Happy reading!

S-Net has 300.000 users, and for Spuerkeess it's a good reason to celebrate, but also to include its customers in the thinking and development of its future. Discover the S-Net success story!

S-Net has 300.000 users, and for Spuerkeess it's a good reason to celebrate, but also to include its customers in the thinking and development of its future. Discover the S-Net success story!

Company repair cafés take their inspiration from the circular economy concept by reclaiming objects and encouraging repairing instead of waste. But what are the most popular objects to repair in Luxembourg and how do you access repair cafés in Luxembourg? In this interview, Léonard Andersen, project coordinator at CELL asbl, and Laetitia Mitchell, Climate Pact project manager at IMS Luxembourg, give five tips for those wanting to set up a repair café in their company.

The holidays may already seem a long time ago, but the university year has only just started. Wasn’t it great to be able to switch off your alarm, spend time with your friends, go away and swim in the sea? But before you start thinking about your next holiday, make the most of this new university year!

We can bank how we want when we want and where we want. We can make our purchases, transfer money, and check our balances on-the-go. But are traditional banks still relevant in the digital age? We spoke to Paul Wilwertz, Head of Communication at the Luxembourg Banker’s Association (ABBL) who provided insight why banks matter and shared 5 tips on how to choose your bank.

'Should we buy or rent?', ask Julie and Charel, a young couple in the process of making life's big decisions. Having recently completed their studies, they're now well established in their jobs and looking forward to embarking on a new stage in their lives: the time has come to buy their first home.

'Should we buy or rent?', ask Julie and Charel, a young couple in the process of making life's big decisions. Having recently completed their studies, they're now well established in their jobs and looking forward to embarking on a new stage in their lives: the time has come to buy their first home.

Many unforeseen events can occur in life: a desire to move elsewhere for a work opportunity, downsizing your home as you approach retirement, a divorce or separation. These events can cost more than you've acquired so far, so financing is an absolute must! But will your bank support you in this change, given your advanced age?

Many unforeseen events can occur in life: a desire to move elsewhere for a work opportunity, downsizing your home as you approach retirement, a divorce or separation. These events can cost more than you've acquired so far, so financing is an absolute must! But will your bank support you in this change, given your advanced age?

Many unforeseen events can occur in life: a desire to move elsewhere for a work opportunity, downsizing your home as you approach retirement, a divorce or separation. These events can cost more than you've acquired so far, so financing is an absolute must! But will your bank support you in this change, given your advanced age?

"It’s a fact that most of our customers open a savings account for their children at birth. And being a young father myself, I perfectly understand that this is very convenient to do so, in order to permit family and friends to easily put some money on it at any occasion. The first months with a baby are indeed not the best ones to think about finance. However, let me explain why they are actually the right ones to choose an alternative, smarter way of saving money."

"It’s a fact that most of our customers open a savings account for their children at birth. And being a young father myself, I perfectly understand that this is very convenient to do so, in order to permit family and friends to easily put some money on it at any occasion. The first months with a baby are indeed not the best ones to think about finance. However, let me explain why they are actually the right ones to choose an alternative, smarter way of saving money."

"It’s a fact that most of our customers open a savings account for their children at birth. And being a young father myself, I perfectly understand that this is very convenient to do so, in order to permit family and friends to easily put some money on it at any occasion. The first months with a baby are indeed not the best ones to think about finance. However, let me explain why they are actually the right ones to choose an alternative, smarter way of saving money."

Perhaps you're leaving home to go to university, move in with your partner or simply because it's time. Congratulations! From now on, you can deck the entire place out from top to bottom in your favourite colour and listen to loud music at three o’clock at night to boot. But now everything will cost money as well: here are some important tips on how to avoid going broke straight away.

Perhaps you're leaving home to go to university, move in with your partner or simply because it's time. Congratulations! From now on, you can deck the entire place out from top to bottom in your favourite colour and listen to loud music at three o’clock at night to boot. But now everything will cost money as well: here are some important tips on how to avoid going broke straight away.

First time at university, first job, first salary, first flat... and the list goes on! Life in your twenties is exciting. Everything is new and there is a myriad of ways to design your life. It doesn’t seem necessary to think about financial protection! However, now's exactly the best time to do so!

First time at university, first job, first salary, first flat... and the list goes on! Life in your twenties is exciting. Everything is new and there is a myriad of ways to design your life. It doesn’t seem necessary to think about financial protection! However, now's exactly the best time to do so!

First time at university, first job, first salary, first flat... and the list goes on! Life in your twenties is exciting. Everything is new and there is a myriad of ways to design your life. It doesn’t seem necessary to think about financial protection! However, now's exactly the best time to do so!

First time at university, first job, first salary, first flat... and the list goes on! Life in your twenties is exciting. Everything is new and there is a myriad of ways to design your life. It doesn’t seem necessary to think about financial protection! However, now's exactly the best time to do so!

The back-to-school season often coincides with a new stage in your life. You still remember your early school days and here comes the last semester at uni. Next year will be a big unknown! Entering the world of work, doing additional training or taking a gap year? Any project requires a financial cushion!

The back-to-school season often coincides with a new stage in your life. You still remember your early school days and here comes the last semester at uni. Next year will be a big unknown! Entering the world of work, doing additional training or taking a gap year? Any project requires a financial cushion!

The back-to-school season often coincides with a new stage in your life. You still remember your early school days and here comes the last semester at uni. Next year will be a big unknown! Entering the world of work, doing additional training or taking a gap year? Any project requires a financial cushion!

Electronic waste contains many valuable materials that can be recovered and reused to create renewable energy technologies. In this interview, Andy Maxant, Managing Director of Ecotrel, explains how extracting resources from old electronic devices works and gives us five tips on how we can preserve resources to power new energy technologies.

Born and raised in Mauritius, Raginee Poloogadoo, CEO and Lead Mediator at Pro Solve Consulting studied law and for family reasons moved to Luxembourg. Since she always had a dream of helping parties achieve fairness in their legal proceedings, she developed her interest in mediation and trained to be a professional mediator giving support in a professional environment as well as in interhuman conflicts. Happy reading!

Comfortably installed in his Paris studio, Sam feels privileged compared to his colleagues at the Sorbonne, where he has been accepted for his first year of law studies. Sam walks home from class because strolling through the alleys and lanes of Paris has become a source of inspiration. The support of his parents, financial aid and his state-guaranteed student loan mean that he can concentrate 100% on his studies. Find out more about his approach and the new digital solutions that make student life easier.

Comfortably installed in his Paris studio, Sam feels privileged compared to his colleagues at the Sorbonne, where he has been accepted for his first year of law studies. Sam walks home from class because strolling through the alleys and lanes of Paris has become a source of inspiration. The support of his parents, financial aid and his state-guaranteed student loan mean that he can concentrate 100% on his studies. Find out more about his approach and the new digital solutions that make student life easier.

Comfortably installed in his Paris studio, Sam feels privileged compared to his colleagues at the Sorbonne, where he has been accepted for his first year of law studies. Sam walks home from class because strolling through the alleys and lanes of Paris has become a source of inspiration. The support of his parents, financial aid and his state-guaranteed student loan mean that he can concentrate 100% on his studies. Find out more about his approach and the new digital solutions that make student life easier.

One of the most remarkable developments in the digital revolution is, without doubt, artificial intelligence (AI). Among the various technologies, self-service AI has begun to gain substantial attention. To use AI, you don't need to be particularly tech-savvy or have a thorough understanding of the underlying algorithms and processes. Rachid M’haouach, team manager Data Analytics at Spuerkeess, and his assistant team manager, Christophe Atten provide insight as well as five useful tips on how to best use self-service AI tools at work.

When your child starts secondary school, he or she will enjoy greater freedom, but with it will come greater responsibility. To make this period of change as stress-free as possible for you and as safe as possible for your child, we've put together a checklist to help you get through the back-to-school period.

When your child starts secondary school, he or she will enjoy greater freedom, but with it will come greater responsibility. To make this period of change as stress-free as possible for you and as safe as possible for your child, we've put together a checklist to help you get through the back-to-school period.

Louise is 19 years old and lives in Luxembourg with her mother and brother. She has just finished the last oral sessions on her final exams, and is waiting for the results. Phew! Soon a little rest and then the holidays. Despite being an excellent student, Louise put a lot of pressure on herself during her exams. Fortunately, her mother was very attentive, cooking her favourite dishes and supporting her as best she could during this stressful period.

Louise is 19 years old and lives in Luxembourg with her mother and brother. She has just finished the last oral sessions on her final exams, and is waiting for the results. Phew! Soon a little rest and then the holidays. Despite being an excellent student, Louise put a lot of pressure on herself during her exams. Fortunately, her mother was very attentive, cooking her favourite dishes and supporting her as best she could during this stressful period.

If you have just finished your studies or started your professional life, you are probably not thinking about saving money. And even less about saving to buy a property. Your own apartment… that’s a lot of money and still seems a distant dream, right? OK, but what if we told you that you can get started right away? Here’s how!

If you have just finished your studies or started your professional life, you are probably not thinking about saving money. And even less about saving to buy a property. Your own apartment… that’s a lot of money and still seems a distant dream, right? OK, but what if we told you that you can get started right away? Here’s how!

When you become a parent, you worry about the well-being of your children. This is also true for their finances! By putting away a sum you are giving them an easier and more sure-footed start in life. There are different options to prepare their future and help them finance their studies or their first home. Savings account, insurance product or housing savings scheme: here’s just a few ideas to help you make the right choice according to your child’s age.

When you become a parent, you worry about the well-being of your children. This is also true for their finances! By putting away a sum you are giving them an easier and more sure-footed start in life. There are different options to prepare their future and help them finance their studies or their first home. Savings account, insurance product or housing savings scheme: here’s just a few ideas to help you make the right choice according to your child’s age.

Have you ever lost your phone and panicked? Does the mere thought of not having access to your phone release feelings of anxiousness and high stress? If your fear (of missing out) is irrational, you may have nomophobia. We spoke to Oleksandr Petrykov, founder of LetzCompare, who tells us more about nomophobia and how to disconnect from our smartphones.

Wherever you choose to study, you're automatically entitled to financial aid! You're wondering how to go about it, or how interest rates work if you take out a state-guaranteed student loan! Find out all about financial aid, deadlines, rates and the 100% digital solution for obtaining your student loan.

Wherever you choose to study, you're automatically entitled to financial aid! You're wondering how to go about it, or how interest rates work if you take out a state-guaranteed student loan! Find out all about financial aid, deadlines, rates and the 100% digital solution for obtaining your student loan.

Miles, miles and miles! With her Miles & More Luxair Visa card, Sophie accumulates "miles" and "more" by shopping, refilling her gas tank, etc. Now, whenever she makes the smallest purchase, she can’t help listing the holiday destinations she must add to her bucket list. But before she starts accumulating miles and converting them into trips, Sophie wants to understand the benefits of her new credit card.

Miles, miles and miles! With her Miles & More Luxair Visa card, Sophie accumulates "miles" and "more" by shopping, refilling her gas tank, etc. Now, whenever she makes the smallest purchase, she can’t help listing the holiday destinations she must add to her bucket list. But before she starts accumulating miles and converting them into trips, Sophie wants to understand the benefits of her new credit card.

The new school year will be here before you know it... Now the pressure is on! It's time to leave the nest and start your studies. Financial independence is just around the corner and, just like any new experience, it has you feeling excited and anxious all at the same time! So you need to make sure things get off to a good start. And to help you avoid the pitfalls in your new life, we interviewed Sam Roger from the Sales Department at LALUX to tell us all about insurance for students. Happy reading!

No, scams and fraud aren't something that only happens to other people. Sometimes, all it takes is a long, stressful day to make you forget to check if an e-mail, text or call you received was legitimate... And then it's too late! We don't want you to fall for it, so here's an article on three types of financial scam with advice on how to avoid the trap. Happy reading!

Baccalaureate diploma in hand? Your well-deserved holidays are almost over? Perhaps you've already started at university or you're making your final preparations before the big departure? Find out about your financial aid and the 100% digital Spuerkeess application via S-Net Mobile for your state-guaranteed student loan.

Baccalaureate diploma in hand? Your well-deserved holidays are almost over? Perhaps you've already started at university or you're making your final preparations before the big departure? Find out about your financial aid and the 100% digital Spuerkeess application via S-Net Mobile for your state-guaranteed student loan.

Local shopping reduces our carbon footprint and from an economic standpoint, it strengthens the local economy. But there are many other benefits. We spoke to Anne Darin, Director of the Union Commerciale de la Ville de Luxembourg who tells us how Luxembourg compares to other countries and provides five useful tips on how we switch to a more sustainable lifestyle.

Ethical behavior matters. Employees who have high ethical standards are proactive to help solve problems with work colleagues and clients. While so-called “micromanagers” prevent good work from getting done, “good bosses” that develop their teams’ talents and are generous with praise increase personal productivity. Whether we are in a management position or not, there are many ways we can encourage ethical behavior in our workplace. We spoke to Sandra Schengen, Corporate Psychologist at Spuerkeess, who provides insight and five useful tips around the topic.

After studying in Paris and London, Isabelle Mattern decided to join the rising local scene in Luxembourg to set up as a freelance designer and conceptor in early 2020. Joining the 1535° Creative Hub gives her a space to exchange ideas and collaborate with other designers and artists. Happy reading!

Powered by machine learning, artificial intelligence and neural language processing, voice assistants are helping us perform everyday tasks more easily. What's more, voice interaction is increasingly moving into the financial sector. Is voice payment the future of payment technology? Roger Krämer, Head of Innovation and Project Management, says that it's only a matter of time before this payment method comes into everyday use.

Powered by machine learning, artificial intelligence and neural language processing, voice assistants are helping us perform everyday tasks more easily. What's more, voice interaction is increasingly moving into the financial sector. Is voice payment the future of payment technology? Roger Krämer, Head of Innovation and Project Management, says that it's only a matter of time before this payment method comes into everyday use.

MoveMe, a SaaS company in the relocation tech space, launched a pilot program offering automated and personalized assistance in the admission process for foreign students. During the pilot phase, MoveMe's innovative platform will be provided free of charge to a substantial portion of University of Luxembourg’s (UNI.lu) master students currently undergoing the admission process. This test will provide thorough understanding of the platform’s use, through meticulous usage analysis and feedback loops.

Do you have a property project on the horizon for which you're already thinking about applying for a loan from your bank? Spuerkeess supports you and adapts to your needs. To make it easier for you to purchase your property, you can apply for a home loan directly online via S-Net, with the support of a Housing Advisor. Mirko Kessler, Team Manager of the Lending Division at Spuerkeess, explains why the bank wanted to digitalise its customer journey.

Do you have a property project on the horizon for which you're already thinking about applying for a loan from your bank? Spuerkeess supports you and adapts to your needs. To make it easier for you to purchase your property, you can apply for a home loan directly online via S-Net, with the support of a Housing Advisor. Mirko Kessler, Team Manager of the Lending Division at Spuerkeess, explains why the bank wanted to digitalise its customer journey.

Do you have a property project on the horizon for which you're already thinking about applying for a loan from your bank? Spuerkeess supports you and adapts to your needs. To make it easier for you to purchase your property, you can apply for a home loan directly online via S-Net, with the support of a Housing Advisor. Mirko Kessler, Team Manager of the Lending Division at Spuerkeess, explains why the bank wanted to digitalise its customer journey.

Luxembourg has a large community of foreign workers, with some 175 nations living side by side in our small country. Our colleague Simône van Schouwenburg, who is responsible for onboarding new arrivals, works closely with relocation agencies. Learn how a relocation agency can help and meet Simône’s partners.

In terms of our environmental footprint, how do we compare with the rest of the world? STATEC’s Dr Olivier Thunus provides us with valuable information and five useful tips on how we can aim for net zero emissions as individuals.

The Spuerkeess S-Net Mobile application is constantly evolving to give you even greater satisfaction. Don’t know where to find your bank details? Or how to increase the limit on your card when the deadline for paying your next holiday is approaching? Then this article is for you! Discover the functions hidden in your pocket.

In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when people start cranking up the heating at home. At Marc and Sophie’s house, however, their old boiler no longer works properly and is far from economical. As a result, Sophie has to wear her fleece around the house, and Marc tears his hair out each time he receives the heating bill.

In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when people start cranking up the heating at home. At Marc and Sophie’s house, however, their old boiler no longer works properly and is far from economical. As a result, Sophie has to wear her fleece around the house, and Marc tears his hair out each time he receives the heating bill.

In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when people start cranking up the heating at home. At Marc and Sophie’s house, however, their old boiler no longer works properly and is far from economical. As a result, Sophie has to wear her fleece around the house, and Marc tears his hair out each time he receives the heating bill.

Sophie used to dream of a house with a big kitchen garden where she could grow vegetables and pretty rose bushes to her heart’s content. When she and Marc found their home, it wasn’t in the best condition – but they jumped at the chance to sign on the dotted line without really thinking about how much it would cost to repair. Now, a few years later, they have finally decided to tackle their renovation project.

Sophie used to dream of a house with a big kitchen garden where she could grow vegetables and pretty rose bushes to her heart’s content. When she and Marc found their home, it wasn’t in the best condition – but they jumped at the chance to sign on the dotted line without really thinking about how much it would cost to repair. Now, a few years later, they have finally decided to tackle their renovation project.

Sophie used to dream of a house with a big kitchen garden where she could grow vegetables and pretty rose bushes to her heart’s content. When she and Marc found their home, it wasn’t in the best condition – but they jumped at the chance to sign on the dotted line without really thinking about how much it would cost to repair. Now, a few years later, they have finally decided to tackle their renovation project.

Passionate about social entrepreneurship and convinced that this is the model that will meet the economic, environmental and social challenges facing our society, Laure Talavet-Omont chose to become a social entrepreneur when she left university. Her aim is to offer private tuition to all children, giving them equal opportunities through variable pricing. Happy reading!

Are you looking for a more spacious car to accommodate your growing family? Or perhaps you’re after a particular model, and want to get a good deal? Whatever the reason you want to buy a car, it is also a time to ask yourself that age-old question: should I buy a new or second-hand car? Here are a few important points to keep in mind when deciding on your purchase.

You've found your dream house, and all you have to do now is take out a housing loan with your bank. You're wondering whether to go for a fixed or variable rate. There are no right answers and no magic formula. Since no two properties are alike, your Housing Advisor is best placed to offer you financing solutions suited to your project and, above all, to your personal and financial situation. Still, there are some important differences between fixed and variable rates.

You've found your dream house, and all you have to do now is take out a housing loan with your bank. You're wondering whether to go for a fixed or variable rate. There are no right answers and no magic formula. Since no two properties are alike, your Housing Advisor is best placed to offer you financing solutions suited to your project and, above all, to your personal and financial situation. Still, there are some important differences between fixed and variable rates.

Does a bad working atmosphere have an impact on a company and what can we do to improve employee satisfaction? We spoke to David Büchel, psychologist at the Chambre des Salariés (Chamber of Employees), who gives us five useful tips to increase our happiness at work.

Do our savings impact climate change and how can we invest sustainably? Bryan Ferrari, Investment and Portfolio Manager at Spuerkeess’ Private Banking provides insights as well as five useful tips on how to make sure your portfolio is green.

Since 2018, Sophie and Marc have dreamed of a trip to Japan, and this is when they started their "Japan trip" project in their MIA personal assistant. But as events unfolded, they became parents to little Lilly, there was the pandemic, the renovation of the house, and fulfilling this dream had to wait. Despite their other projects over the last five years, they have managed to save up for their trip to Japan. Find out about how they have planned it and how credit card insurance can help.

You remember that famous letter from the Tax Administration (Administration des Contributions Directes - ACD), asking you to fill in your tax return. You tucked it away since the new deadline is 31 December 2023 for the 2022 tax return. Did you know that not everyone is affected? Why not? Find the answers below.

You remember that famous letter from the Tax Administration (Administration des Contributions Directes - ACD), asking you to fill in your tax return. You tucked it away since the new deadline is 31 December 2023 for the 2022 tax return. Did you know that not everyone is affected? Why not? Find the answers below.

You remember that famous letter from the Tax Administration (Administration des Contributions Directes - ACD), asking you to fill in your tax return. You tucked it away since the new deadline is 31 December 2023 for the 2022 tax return. Did you know that not everyone is affected? Why not? Find the answers below.

So you just arrived in Luxembourg and found your first place to live? The landlord (lessor) requires a rental deposit (garantie locative). What is that? How do you get one? We spoke with our colleague Simône van Schouwenburg, who specialises in onboarding for newcomers in Luxembourg.

So you just arrived in Luxembourg and found your first place to live? The landlord (lessor) requires a rental deposit (garantie locative). What is that? How do you get one? We spoke with our colleague Simône van Schouwenburg, who specialises in onboarding for newcomers in Luxembourg.

The entrepreneurial spirit in her DNA and her son’s diagnosis with multiple allergies pushed Ahoua Bakayoko to get started as a socially responsible entrepreneur by creating MissBak, a natural cosmetics brand. Happy reading!

The news on the financial markets, inflation and geopolitical disruptions have left customers feeling unsettled and insecure. Why is it important to keep a cool head and think carefully about a savings strategy that diversifies your investments? We asked Tânia Rei, branch manager in Diekirch, why she recommends the S-Invest Plus savings plan, an investment option that meets this need for savings diversification.

The news on the financial markets, inflation and geopolitical disruptions have left customers feeling unsettled and insecure. Why is it important to keep a cool head and think carefully about a savings strategy that diversifies your investments? We asked Tânia Rei, branch manager in Diekirch, why she recommends the S-Invest Plus savings plan, an investment option that meets this need for savings diversification.

It’s been a while since Sophie and Marc bought aunt Elise’s beautiful house. Finally, the works are almost finished and they’re getting ready to move in. The costs of the renovation, the mortgage and the interest charges have made Sophie and Marc’s savings dwindle. With Marc’s parents having decided to sell their house in order to live in the South, they have given their children some money. This money, the young couple wants to invest in the family’s future.

It’s been a while since Sophie and Marc bought aunt Elise’s beautiful house. Finally, the works are almost finished and they’re getting ready to move in. The costs of the renovation, the mortgage and the interest charges have made Sophie and Marc’s savings dwindle. With Marc’s parents having decided to sell their house in order to live in the South, they have given their children some money. This money, the young couple wants to invest in the family’s future.

It’s been a while since Sophie and Marc bought aunt Elise’s beautiful house. Finally, the works are almost finished and they’re getting ready to move in. The costs of the renovation, the mortgage and the interest charges have made Sophie and Marc’s savings dwindle. With Marc’s parents having decided to sell their house in order to live in the South, they have given their children some money. This money, the young couple wants to invest in the family’s future.

What happens with our data, especially in the realm of banking? How can we keep our data from being misused? Sébastien Cuny, team manager and Thierry Conter, project manager at Spuerkeess Data management (DAM) provide valuable insight as well as five useful tips on how to keep our data safe.

What are the major workplace trends and how can we prepare for future jobs? How does Luxembourg compare to the rest of the world? Lieven Lambrecht, Head of HR at PWC, shares his valuable insights and 5 useful tips to prepare for the future of work?

We spoke to Christophe Reuter, “Premier Conseiller de Gouvernement” at the Ministry of Mobility and Public Works, who provided insight as well as useful tips on how to relax during traffic jams.

We spoke to Christophe Reuter, “Premier Conseiller de Gouvernement” at the Ministry of Mobility and Public Works, who provided insight as well as useful tips on how to relax during traffic jams.

Do you find yourself brooding about your financial situation and not achieving your goals for saving and investing for your future? Making a financial plan can have a positive impact on your well-being. But how do you set a budget and stick to the plan? Discover our tips for becoming more Zen about your finances.

Do you find yourself brooding about your financial situation and not achieving your goals for saving and investing for your future? Making a financial plan can have a positive impact on your well-being. But how do you set a budget and stick to the plan? Discover our tips for becoming more Zen about your finances.

Key rates are continuing to increase, which makes it more expensive for consumers to access credit. On the other hand, savings and some forms of investment, which were neglected during the period of historically low interest rates, are now making their comeback. Here’s an interview with Mauro da Silva, branch manager at Echternach, in which he explains the new opportunities available for savers

Key rates are continuing to increase, which makes it more expensive for consumers to access credit. On the other hand, savings and some forms of investment, which were neglected during the period of historically low interest rates, are now making their comeback. Here’s an interview with Mauro da Silva, branch manager at Echternach, in which he explains the new opportunities available for savers

Phishing attacks are becoming more and more sophisticated. What are the pitfalls and how can we protect ourselves? We spoke to Bertrand Lathoud from the National Cybersecurity Competence Center of Luxembourg, who provides five useful tips on how we can make sure we do not become easy phishing prey.

A burn-out in 2018 was for Josée Thyes an opportunity to rethink her lifestyle. Interested in coaching and supporting people for a long time, she decided to change her career and launch her coaching practice with a four-legged friend as facilitator. Happy reading!

Are you entitled to a tax refund? Discover if your situation calls for an annual statement!

We asked Charles Pletsch, “Vice President and Head of Business Unit” at Spuerkeess, specialising in home loans, to share his view on interest rate trends and their impact on the Luxembourg real estate market. We also asked if he had any recommendations for first-time home buyers interested in becoming homeowners, and for current homeowners still paying on their mortgage.

We asked Charles Pletsch, “Vice President and Head of Business Unit” at Spuerkeess, specialising in home loans, to share his view on interest rate trends and their impact on the Luxembourg real estate market. We also asked if he had any recommendations for first-time home buyers interested in becoming homeowners, and for current homeowners still paying on their mortgage.

In February you received the famous letter from the Tax Administration asking you to submit your tax return for the previous year. From now on, the deadline for submitting your return is 31 December of the following year. In order to take better advantage of the possibilities offered by the Luxembourg government to reduce your tax burden, we have grouped together for you the products that are deductible from the taxable amount. We have also provided you with a tool to help you manage your tax return more effectively, and above all to save time and money!

In February you received the famous letter from the Tax Administration asking you to submit your tax return for the previous year. From now on, the deadline for submitting your return is 31 December of the following year. In order to take better advantage of the possibilities offered by the Luxembourg government to reduce your tax burden, we have grouped together for you the products that are deductible from the taxable amount. We have also provided you with a tool to help you manage your tax return more effectively, and above all to save time and money!

In February you received the famous letter from the Tax Administration asking you to submit your tax return for the previous year. From now on, the deadline for submitting your return is 31 December of the following year. In order to take better advantage of the possibilities offered by the Luxembourg government to reduce your tax burden, we have grouped together for you the products that are deductible from the taxable amount. We have also provided you with a tool to help you manage your tax return more effectively, and above all to save time and money!

There is an immediate need to direct capital towards critical issues such as climate change, environmental degradation, biodiversity loss, and water scarcity. In the last decade, the world has seen record-high greenhouse gas emissions, leading to the hottest decade on record since 1880. Wildlife populations have declined by an average of 69% between 1970 and 2018, and a quarter of the world's population lacks access to safe drinking water. Sustainable finance is a key tool to build low carbon, sustainable and resilient economies. We spoke to Jennifer de Nijs, special advisor for sustainable finance at the Ministry of Finance, who provided more insight as well as useful tips on how to neutralise our environmental footprint in our finances.

Are you considering a real estate project but don't know if you can afford it? You can find out the sum that you'd need to borrow and how much you are able to repay by producing a financing plan!

Are you considering a real estate project but don't know if you can afford it? You can find out the sum that you'd need to borrow and how much you are able to repay by producing a financing plan!

We spoke to sustainability experts Dr. Elorri Igos and Thomas Schaubroek from Luxembourg Institute of Science and Technology (LIST) who provided five useful tips on how businesses can manage environmental and social risks in their value chain?

You are an expatriate in Luxembourg and you need a car? Lease Plus is the perfect leasing solution ... not only for expats!

You are an expatriate in Luxembourg and you need a car? Lease Plus is the perfect leasing solution ... not only for expats!

Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s documents, it's a real headache! Let's just say that we do not all have the same organisational qualities and that when organisation is one of our strong points, it is difficult to remain patient with a more “carefree” person like Sophie. Admittedly, opposites attract, but for the benefit of their couple, Spuerkeess has put in place a safe deposit box in the new Tax Area in S-Net Desktop, which will make life easier for them and also their couple! Read on to find out more ...

Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s documents, it's a real headache! Let's just say that we do not all have the same organisational qualities and that when organisation is one of our strong points, it is difficult to remain patient with a more “carefree” person like Sophie. Admittedly, opposites attract, but for the benefit of their couple, Spuerkeess has put in place a safe deposit box in the new Tax Area in S-Net Desktop, which will make life easier for them and also their couple! Read on to find out more ...

Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s documents, it's a real headache! Let's just say that we do not all have the same organisational qualities and that when organisation is one of our strong points, it is difficult to remain patient with a more “carefree” person like Sophie. Admittedly, opposites attract, but for the benefit of their couple, Spuerkeess has put in place a safe deposit box in the new Tax Area in S-Net Desktop, which will make life easier for them and also their couple! Read on to find out more ...

Don't procrastinate ... while the deadline for submitting the tax return is now 31 December of the year following the tax year in question, Marc likes to complete this task as soon as possible. Since the arrival of the tax safe in S-Net, he has been able to gather all the documents he needs and filling in his return is so much easier. Thanks to the VIREO myTax digital tax assistant in S-Net, the declaration is now done in the blink of an eye.

Don't procrastinate ... while the deadline for submitting the tax return is now 31 December of the year following the tax year in question, Marc likes to complete this task as soon as possible. Since the arrival of the tax safe in S-Net, he has been able to gather all the documents he needs and filling in his return is so much easier. Thanks to the VIREO myTax digital tax assistant in S-Net, the declaration is now done in the blink of an eye.

Don't procrastinate ... while the deadline for submitting the tax return is now 31 December of the year following the tax year in question, Marc likes to complete this task as soon as possible. Since the arrival of the tax safe in S-Net, he has been able to gather all the documents he needs and filling in his return is so much easier. Thanks to the VIREO myTax digital tax assistant in S-Net, the declaration is now done in the blink of an eye.

Passionate about the environment and digitalisation, Stéphanie Lamberty has brought them together with Kilogram, the first completely online shop for local, organic and zero waste shopping. In this article, Stéphanie describes her path to entrepreneurship. Happy reading!

You can't think about School Savings Day ("Fêtes de l'Epargne Scolaire") without also remembering the "Spuerbéchs"! Most of us still remember this special day in primary school, where we received our very first piggy bank from Spuerkeess. School Savings Day and the famous piggy banks are closely linked and represent the first occasion for children to learn about saving money.

You can't think about School Savings Day ("Fêtes de l'Epargne Scolaire") without also remembering the "Spuerbéchs"! Most of us still remember this special day in primary school, where we received our very first piggy bank from Spuerkeess. School Savings Day and the famous piggy banks are closely linked and represent the first occasion for children to learn about saving money.

Generation Z was born after 1996, and is therefore the first generation that has never known a world without the Internet. They are stereotyped as “social warriors”, addicted to technology. According to various studies, Generation Z is more pragmatic, cautious, skeptical, responsible, globally aware and money-conscious than their predecessors, the Millennials. We spoke to Mary-Anna Eon at EY, who told us more about this new generation that is reshaping the world.

Generation Z was born after 1996, and is therefore the first generation that has never known a world without the Internet. They are stereotyped as “social warriors”, addicted to technology. According to various studies, Generation Z is more pragmatic, cautious, skeptical, responsible, globally aware and money-conscious than their predecessors, the Millennials. We spoke to Mary-Anna Eon at EY, who told us more about this new generation that is reshaping the world.

It all began with the Spuerkeess’ statutory mission of promoting saving in all its forms within the population of the Grand Duchy of Luxembourg. As a result, the famous Schoulspuerfester are deeply rooted in the history of Spuerkeess and in Luxembourg’s long tradition of financial education. Lisa Wells, Vice President & Head of Business Unit Marketing at Spuerkeess, explains the importance of this annual event.

It all began with the Spuerkeess’ statutory mission of promoting saving in all its forms within the population of the Grand Duchy of Luxembourg. As a result, the famous Schoulspuerfester are deeply rooted in the history of Spuerkeess and in Luxembourg’s long tradition of financial education. Lisa Wells, Vice President & Head of Business Unit Marketing at Spuerkeess, explains the importance of this annual event.

Via natural language processing (NLP), speech recognition and machine learning, artificial intelligence (AI) can simulate human intelligence via machines and computer systems. Companies that apply human-centric AI can offer a personalised experience, leading to customer satisfaction. However, misuse can destroy customer loyalty. Even when there is no intention of abuse of privacy, businesses can get into trouble when there are faulty algorithms, hidden bias, or false positives. Can AI be fully trusted and how can companies protect themselves? We spoke to Andreas Braun, Director of Artificial Intelligence & Data Science at PwC Luxembourg, who provided five useful tips on how AI should be used in business.

Via natural language processing (NLP), speech recognition and machine learning, artificial intelligence (AI) can simulate human intelligence via machines and computer systems. Companies that apply human-centric AI can offer a personalised experience, leading to customer satisfaction. However, misuse can destroy customer loyalty. Even when there is no intention of abuse of privacy, businesses can get into trouble when there are faulty algorithms, hidden bias, or false positives. Can AI be fully trusted and how can companies protect themselves? We spoke to Andreas Braun, Director of Artificial Intelligence & Data Science at PwC Luxembourg, who provided five useful tips on how AI should be used in business.

Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided to transition to a new career and enrol in an in-depth training course. With a busy schedule, fortunately she can now make her Spuerkeess appointment via S-Net and spuerkeess.lu!

Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided to transition to a new career and enrol in an in-depth training course. With a busy schedule, fortunately she can now make her Spuerkeess appointment via S-Net and spuerkeess.lu!

Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided to transition to a new career and enrol in an in-depth training course. With a busy schedule, fortunately she can now make her Spuerkeess appointment via S-Net and spuerkeess.lu!

Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided to transition to a new career and enrol in an in-depth training course. With a busy schedule, fortunately she can now make her Spuerkeess appointment via S-Net and spuerkeess.lu!

Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided to transition to a new career and enrol in an in-depth training course. With a busy schedule, fortunately she can now make her Spuerkeess appointment via S-Net and spuerkeess.lu!

Since the introduction of the euro banknotes and coins on 1 January 2002, going on holiday abroad can be a much more spontaneous affair than it was. For most European destinations, you no longer have to visit the bank to get foreign currency before leaving! But what should you do if you have planned to go on a journey to discover the Great American West, visit Big Ben or get some mountain air in Switzerland?

“Who in their right mind would want to lease a car?”, “It’s more expensive than buying and you don’t even own the car”, “There are always hidden costs”, “It’s too good to be true”. It would seem that certain misconceptions die hard. Fortunately, we are here to put that right.

“Who in their right mind would want to lease a car?”, “It’s more expensive than buying and you don’t even own the car”, “There are always hidden costs”, “It’s too good to be true”. It would seem that certain misconceptions die hard. Fortunately, we are here to put that right.

In order to facilitate the transition to sustainable, cleaner mobility, individuals benefit from a government bonus for the purchase of a self-propelled vehicle. Discover our special leasing offers for electric cars. The bonus is already included in the monthly instalments!

In order to facilitate the transition to sustainable, cleaner mobility, individuals benefit from a government bonus for the purchase of a self-propelled vehicle. Discover our special leasing offers for electric cars. The bonus is already included in the monthly instalments!

We spoke to Thomas Gibon, Researcher in the “Life cycle sustainability assessment” department at the Luxembourg Institute of Science and Technology (LIST) who provided insight as well as five useful tips on how to live sustainably while saving money.

We live in a fast-paced digital world and, wherever we go, we are reachable 24/7 via our smartphones. Is it possible to be happy whilst constant stress ? We spoke to Roger Fernandez Urbano, Doctor of Political and Social Sciences of the European University Institute, PhD and researcher on happiness and inequalities, who gave us five tips to lead a happier life.

Driven by her desire to "make beauty accessible for everyone", Susana Costa created a personalised treatment and wellness programme provided in homes, institutes and businesses. In this article, Susana describes her path to entrepreneurship. Happy reading!

We all need a financial literacy. Teaching children the basics about how money works, its value and why to save it can spare them so much hassle as adults.

We all need a financial literacy. Teaching children the basics about how money works, its value and why to save it can spare them so much hassle as adults.

A recent independent study, conducted by SIA Partners, named S-Net Mobile the best mobile banking application in Luxembourg. We took the opportunity to talk to the heads of the S-Net teams in the Business Innovation and Digitalisation departments. Daniel Madariaga, Team Manager; David Goergen, Assistant Team Manager; Alain Scholtes, Deputy Head of Business Unit, and Christophe Medinger, Deputy Head of Business Unit, explained to us how S-Net Mobile differs from the competition.

We spoke to Nasir Zubairi from LhOFT who provided insight and gave five useful tips for CEOs of banks when it comes to FinTech adoption?

With Axxess you will automatically receive a debit card, and from the age of 15 you can apply for your first credit card. Do you already have a payment card – debit or credit? Do you know the difference?

The rapid ageing of the world's populations and the decline of the working age population are becoming a growing concern. We spoke to Kristell Leduc, Gaëtan de Lanchy and Thuc Uyen Nguyen-Thi from LISER, to find out more about these challenges, and how to identify opportunities.

Driven by his passion for baking and his entrepreneurial drive, Simon decided to leave his finance job and start a baking business by creating an inclusive project. In this article Simon describes his entrepreneurial journey. Happy reading!

What impact does the current energy crisis have on Luxembourg and where is the nation headed in terms of solar energy? We spoke with Sarah Juchems, Head of Energy Advisory at Klima-Agence, who gave us five helpful tips for installing solar panels on our roofs.

Uncertainty, crises, inflation and the fears of a recession continue to dominate the news. How can you invest securely and why have good old-fashioned term deposits made a comeback as a good alternative for savings? Nathalie Klein – Private Banking Advisor at the Esch-sur-Alzette Finance Centre – explains how they work and the perks they offer and reveals tips for investing in the current market.

You've decided to invest in real estate? Congratulations! Investing in bricks and mortar remains an interesting bet when preparing your retirement. It enables you to diversify your savings and to generate additional income. So it’s all good news then? Yes, providing that you do your research. Here are some ideas for investing successfully in rental properties.

You've decided to invest in real estate? Congratulations! Investing in bricks and mortar remains an interesting bet when preparing your retirement. It enables you to diversify your savings and to generate additional income. So it’s all good news then? Yes, providing that you do your research. Here are some ideas for investing successfully in rental properties.

Whether it is to live in or rent out, buying a property also offers a number of tax benefits as set by law. In order to help you better understand these benefits, Charles Pletsch, chef adjoint du service Coordination du Réseau d’Agences at Spuerkeess, provides some explanations.

Since its launch in 2015, S-Net Mobile has been a huge success. Today, almost 1 in 2 customers in the under-30 age group uses its smartphone exclusively to enjoy the many features offered. What are the latest trends in the application space, and what are the best practices for using your S-Net Mobile?

The purpose of a so-called "smart city" is to use technology in order to increase operational efficiency and, thus, improve the welfare of citizens. Digital transformation and sustainability play an important part in achieving this goal. We spoke to David Osville, Partner at Deloitte, who shared with us his thoughts on Luxembourg's shift to a more digital and eco-friendly lifestyle.

The UN Biodiversity Conference (COP15) will be held in December 2022 in Montreal (Canada). With climate extremes manifesting themselves in increasingly intense heatwaves and severe storms in the summer of 2022 in Europe and around the world, there is an urgent need to take a detailed look at the effects of climate change and the impact of human activities on nature and its ecosystems. We talked about this with Dr Kim Schumacher, Lecturer in Sustainable Finance and ESG at the Tokyo Institute of Technology and member of Spuerkeess’s Sustainability Advisory Board.

Born in Spain, Sylvia arrived in the Greater Region in 2007. Having worked in a bank for 21 years, she decided to make a living from her passion, which is the creation of ready-to-wear and couture hats. In this article, Sylvia tells us about her entrepreneurial journey. Happy reading!

Littering is the bad habit of leaving trash in public spaces or carelessly throwing it away. Mr Jean-Pierre Santer, co-founder of “Pickitup”, says that this problem is getting worse and that education is needed to improve the situation.

165 litres of water are consumed on average per day per person. After being used for laundry, flushing the toilet, cleaning, cooking, etc., , wastewater is evacuated through the sewage networks. Before wastewater is returned to nature, polluting elements must be removed, whether organic or chemical. Patrick LICKER, head of the Service Canalisation (Sewer Department) for the City of Luxembourg, explains the importance and operation of a wastewater treatment plant.

Ten years ago, Linda and Benoît Depaye decided to adopt a 100% vegan lifestyle. This decision led them to open their own restaurant where they put a vegan twist on traditional dishes. In this article, Benoît describes their path to entrepreneurship. Happy reading!

About one third of all food produced in the world goes unused or ends up in the bin. Not only does this release around 3,300 million tonnes of CO2 annually but it also creates a social problem: although the global production of food would actually be sufficient, many people still suffer from undernourishment or malnutrition. Mr Alain Körner of the “Administration des services techniques de l’agriculture” sees it as our duty to induce change in order to use our food more consciously and sustainably. He shows that we can save a lot of money by reducing food waste.

Can we make our IT consumption green again? Nathalie Thielemans, Managing Director at OXiane and Valérie Viatour, Expert Consultant & Trainer on Green IT provide five useful tips on how we can decrease our ecological footprint.

Of Indian origin, Supriya Sodhi arrived in Luxembourg in 2016. Although she holds two higher education degrees, she chose to follow her heart. Her great love for dogs led her to create a personalized daycare network for man's best friend. In this article, Supriya describes her entrepreneurial journey. Enjoy reading!

You're going on holiday? Great, make sure to read our little checklist before you take that plane!

You're going on holiday? Great, make sure to read our little checklist before you take that plane!

Over the past weeks, the media has taken up the topic of the rising interest rates which is causing our clients to ask all sorts of questions about their loans. We’ve asked Charles Pletsch, Vice President and Head of Business Unit at Spuerkeess and housing loan expert, to share two tips on how to best manage your housing project.

Over the past weeks, the media has taken up the topic of the rising interest rates which is causing our clients to ask all sorts of questions about their loans. We’ve asked Charles Pletsch, Vice President and Head of Business Unit at Spuerkeess and housing loan expert, to share two tips on how to best manage your housing project.

Our planet's resources are limited and the textile industry is a major contributor to environmental damage. Jeannette Müller, advisor to the Luxembourg Ministry for Consumer Protection, explains why it is important to act and reveals whether the solution is to consume less.

Louise just graduated from secondary school. Her next steps are to prepare to leave for university, sort her things, sell some of her stuff, buy some new clothes, and pull together furniture and decor for her small studio while taking advantage of sales in Luxembourg and online.

Louise just graduated from secondary school. Her next steps are to prepare to leave for university, sort her things, sell some of her stuff, buy some new clothes, and pull together furniture and decor for her small studio while taking advantage of sales in Luxembourg and online.

After months of reflection and discussion, Spuerkeess began to release its teaser ads, giving a behind-the-scenes look at its new image campaign and gradually revealing its concept. The brand, which won Top Brand in Luxembourg in 2021 and is positioned as the bank that offers banking solutions for all, aims to be there for key moments in its customers' lives. We spoke with Claude Faber, Team Manager in the Communications division within Spuerkeess's Marketing unit, to learn more about the motivations for this new image campaign.

Having your first baby is a big change for a couple and it’s best to be prepared. Besides buying baby gear, decorating the nursery, choosing a name, and organising a baby shower, there is also the administrative side to think about – including opening your baby’s first bank account.

Having your first baby is a big change for a couple and it’s best to be prepared. Besides buying baby gear, decorating the nursery, choosing a name, and organising a baby shower, there is also the administrative side to think about – including opening your baby’s first bank account.

Employees who feel accepted and respected at work are more productive. Dr. Mareike Bönigk, Head of the Psychosocial Service of the Ministry for the Civil Service, explains how to promote psychological safety at work and gives five useful tips for people who do not feel safe at their workplace.

Of Chinese origin and British nationality, Mei Chan has been immersed in Japanese culture thanks to her many travels but also because of her passion for this traditional cuisine. She turned this passion into a business and opened the first Japanese grocery shop in the country. In this article, Mei explains her entrepreneurial journey. Enjoy reading it!

Following the adoption of the Paris Agreement and the UN 2030 Agenda for Sustainable Development in 2015, governments are making strides to transition to low-carbon and more circular economies on a global scale. This transition entails both risks and opportunities for the economy and financial institutions, while physical damage caused by climate change and environmental degradation can have a significant impact on the real economy and the financial system. For the second year in a row, the European Central Bank (ECB) has identified climate-related risks as a key risk driver in the Single Supervisory Mechanism (SSM) Risk Map for the euro area banking system. As a consequence, within the ECB supervisory stress testing framework, the ECB conducts for the first time a climate risk stress test in 2022. Xavier Scholten, part of the Spuerkeess ESG Team and Climate Finance Expert at Spuerkeess takes on the challenge of demystifying the ECB’s latest Climate Risk Stress Test.

Electric vehicles sharing schemes enable sustainable-minded drivers to rent electric cars for short periods of time. Jürgen Berg, CEO of FLEX, knows how user-friendly e-car sharing options are in Luxembourg and provides five useful tips for beginners.

Electric vehicles sharing schemes enable sustainable-minded drivers to rent electric cars for short periods of time. Jürgen Berg, CEO of FLEX, knows how user-friendly e-car sharing options are in Luxembourg and provides five useful tips for beginners.

Ever since she first became a mum, Sophie has loved Mother’s Day. She always looks forward to the day, wondering what Lily will have made for her at nursery. Then the big day arrives, and her special little girl presents her with a multi-coloured object, with a huge smile on her face, shouting impatiently, “It’s for you, Mum, open it! ”. What will Mother's Day have in store for her this year?

Ever since she first became a mum, Sophie has loved Mother’s Day. She always looks forward to the day, wondering what Lily will have made for her at nursery. Then the big day arrives, and her special little girl presents her with a multi-coloured object, with a huge smile on her face, shouting impatiently, “It’s for you, Mum, open it! ”. What will Mother's Day have in store for her this year?

Ever since she first became a mum, Sophie has loved Mother’s Day. She always looks forward to the day, wondering what Lily will have made for her at nursery. Then the big day arrives, and her special little girl presents her with a multi-coloured object, with a huge smile on her face, shouting impatiently, “It’s for you, Mum, open it! ”. What will Mother's Day have in store for her this year?

After a long discussion with her aunt Elise, the answer was staring Sophie in the face... If her aunt doesn't feel up to looking after her beautiful house any more and wants to live in a small flat instead, Sophie won't stop her. Indeed, when Aunt Elise has an idea, it is best not to stand in her way. Moreover, Aunt Elise's house would be perfect for Sophie and Marc as they are talking more and more about extending their family but don't have enough room where they currently live. The answer to everyone's situation? Sophie and Marc will buy Aunt Elise's beautiful house, but before moving in, they'll do some renovations to improve its energy performance.

After a long discussion with her aunt Elise, the answer was staring Sophie in the face... If her aunt doesn't feel up to looking after her beautiful house any more and wants to live in a small flat instead, Sophie won't stop her. Indeed, when Aunt Elise has an idea, it is best not to stand in her way. Moreover, Aunt Elise's house would be perfect for Sophie and Marc as they are talking more and more about extending their family but don't have enough room where they currently live. The answer to everyone's situation? Sophie and Marc will buy Aunt Elise's beautiful house, but before moving in, they'll do some renovations to improve its energy performance.

After a long discussion with her aunt Elise, the answer was staring Sophie in the face... If her aunt doesn't feel up to looking after her beautiful house any more and wants to live in a small flat instead, Sophie won't stop her. Indeed, when Aunt Elise has an idea, it is best not to stand in her way. Moreover, Aunt Elise's house would be perfect for Sophie and Marc as they are talking more and more about extending their family but don't have enough room where they currently live. The answer to everyone's situation? Sophie and Marc will buy Aunt Elise's beautiful house, but before moving in, they'll do some renovations to improve its energy performance.

Did you know that your old computer or TV doesn’t belong in the trash, but do you know how to discard your old electronic equipment? Andy Maxant, Director of ECOTREL and ECOBATTERIEN tells us what we must know and provides five useful sustainability tips.

After immigrating to Luxembourg at the age of six with her parents, Charlotte Reuter's studies focused on literature and philosophy. Later, after a few years as an employee, she decided to become an entrepreneur thanks to a great opportunity she seized...

Greenhouse gas emissions decreased in 2020 due to the disruptions of economic activity, travel, and commerce brought about by the COVID-19 pandemic. What can we expect in terms of growth in renewable energy in Luxembourg? We spoke to Mr Paul Zens, president of Eurosolar Lëtzebuerg a.s.b.l., who gives us five useful tips to effectively adopt renewable energy in our homes.

During the recent Easter holidays, Sophie and Marc chose to travel by train and electric car, taking advantage of the Avis benefit on their Visa Premier card for car rental. Sophie, Marc and their daughter Lily explored Denmark and Sweden for almost two weeks.

During the recent Easter holidays, Sophie and Marc chose to travel by train and electric car, taking advantage of the Avis benefit on their Visa Premier card for car rental. Sophie, Marc and their daughter Lily explored Denmark and Sweden for almost two weeks.

During the recent Easter holidays, Sophie and Marc chose to travel by train and electric car, taking advantage of the Avis benefit on their Visa Premier card for car rental. Sophie, Marc and their daughter Lily explored Denmark and Sweden for almost two weeks.

Cigarette butts are a toxic plastic pollutant. In fact, cigarette butts are the most common type of litter collected on beaches. We spoke to Stéphane Hérard, Business Unit Manager at Shime, a company which assists organisations, municipalities and businesses such as Spuerkeess with the implementation of "zero-cigarette butt" projects.

After an extensive human resources experience in the field of finance, Chaffa Zaroui chose to shift her focus to the world of entrepreneurship and launch her own recruitment firm. In this article, she explains what pushed her to take this step. Enjoy your reading!

A website? An app? Yes, but which one do I choose if I’m just starting out in investment? As a general rule, if you’re just starting out, it’s a good idea to ask the experts: in other words - your bank.

A website? An app? Yes, but which one do I choose if I’m just starting out in investment? As a general rule, if you’re just starting out, it’s a good idea to ask the experts: in other words - your bank.

The manufacturing process of the linear economy counts for half of the emissions around the world. The extraction of resources also leads to other problems such as loss of biodiversity, water stress, illegal waste dumping and negative impact on communities, especially in developing countries. Circular economy, on the other hand, is all about sustainability. However, it is not about getting out of prison for free. There needs to be a shift in extraction of materials, production and consumer behaviour. In other words, all stakeholders must be on board. We spoke to Ms Laurence Tock, Director Circular Economy & Sustainable Technologies at the Ministry of the Economy, who provided us with an ABC guide to the circular economy.

You’re starting to feel more and more comfortable with the idea of investing and now would like to understand what it means to invest in “green”. Well, we will explain it all in this article.

You’re starting to feel more and more comfortable with the idea of investing and now would like to understand what it means to invest in “green”. Well, we will explain it all in this article.

Having invested in securities, you want to make sure you have made the right choices. To that end, it is for instance vital to keep informed of the latest developments at the company in which you bought shares, as well as of the political, economic and legal decisions impacting your stocks in a particular sector. This is all fine in theory. But in practice, how do you keep up with stock market news?

Having invested in securities, you want to make sure you have made the right choices. To that end, it is for instance vital to keep informed of the latest developments at the company in which you bought shares, as well as of the political, economic and legal decisions impacting your stocks in a particular sector. This is all fine in theory. But in practice, how do you keep up with stock market news?

Artificial intelligence (AI) tries to mimic human thought and integrate it into computers. When will AI be truly human and how should we respond? To answer these questions, we spoke with Rachid M’Haouach, our Team Manager for data management at Spuerkeess.

Artificial intelligence (AI) tries to mimic human thought and integrate it into computers. When will AI be truly human and how should we respond? To answer these questions, we spoke with Rachid M’Haouach, our Team Manager for data management at Spuerkeess.

Now that you have an understanding of investment funds and equities, you just need to know what bonds are, to complete your basic knowledge. You may have already started investing in equities and/or funds at this stage, or you may be continuing to build up your knowledge and once you have all the cards in your hand, you will go for it. The important thing is that you go at your own pace! So let's see what bonds are and how to buy them.

Now that you have an understanding of investment funds and equities, you just need to know what bonds are, to complete your basic knowledge. You may have already started investing in equities and/or funds at this stage, or you may be continuing to build up your knowledge and once you have all the cards in your hand, you will go for it. The important thing is that you go at your own pace! So let's see what bonds are and how to buy them.

In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the price and often do not pay the right amount of tax. This is why the digitalisation of taxation was essential. Both to make the filing of the tax return accessible to everyone and to facilitate the completion and calculations for professionals in the sector. In this interview, Jonathan Marroyen, co-founder and CEO of VIREO, the Luxembourg start-up at the origin of myTax, explains how this digital assistant makes taxation accessible and fair for everyone.

In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the price and often do not pay the right amount of tax. This is why the digitalisation of taxation was essential. Both to make the filing of the tax return accessible to everyone and to facilitate the completion and calculations for professionals in the sector. In this interview, Jonathan Marroyen, co-founder and CEO of VIREO, the Luxembourg start-up at the origin of myTax, explains how this digital assistant makes taxation accessible and fair for everyone.

In Luxembourg and everywhere in Europe, the taxation of individuals continues to become more complex each year. Unfortunately, many taxpayers are paying the price and often do not pay the right amount of tax. This is why the digitalisation of taxation was essential. Both to make the filing of the tax return accessible to everyone and to facilitate the completion and calculations for professionals in the sector. In this interview, Jonathan Marroyen, co-founder and CEO of VIREO, the Luxembourg start-up at the origin of myTax, explains how this digital assistant makes taxation accessible and fair for everyone.

You've done it! Your securities portfolio has been opened and you have set your investment amount. Welcome to the stock exchange! You may feel a little lost as you don’t really know what to invest in, or how much or simply how to invest. Let’s begin by learning about the securities listed on the stock exchange, starting with shares. What are shares? And how do you buy them?

You've done it! Your securities portfolio has been opened and you have set your investment amount. Welcome to the stock exchange! You may feel a little lost as you don’t really know what to invest in, or how much or simply how to invest. Let’s begin by learning about the securities listed on the stock exchange, starting with shares. What are shares? And how do you buy them?

Investment funds, also known as "mutual funds" or "undertakings for collective investments (UCI)", are investment products created to allow investors to pool their savings and invest in securities they would not be able to access on the same terms individually. Who are they for? And how can I invest?

Investment funds, also known as "mutual funds" or "undertakings for collective investments (UCI)", are investment products created to allow investors to pool their savings and invest in securities they would not be able to access on the same terms individually. Who are they for? And how can I invest?

Fintech has remodelled the financial ecosystem while banks are using technology to make their financial systems more efficient. What are the latest FinTech trends in Luxembourg? We spoke to Alain Scholtes, Deputy Head of Innovation Office at Spuerkeess and Serge Wagener, Vice President and Head of Operations at Spuerkeess.

Fintech has remodelled the financial ecosystem while banks are using technology to make their financial systems more efficient. What are the latest FinTech trends in Luxembourg? We spoke to Alain Scholtes, Deputy Head of Innovation Office at Spuerkeess and Serge Wagener, Vice President and Head of Operations at Spuerkeess.

You have set your investment budget, determined your investor profile and probably opened your securities account. What happens now? Well, you just need to define your investment strategy, before starting to buy securities on the stock exchange. But what do you do to decide the right strategy? And what exactly is an investment strategy?

You have set your investment budget, determined your investor profile and probably opened your securities account. What happens now? Well, you just need to define your investment strategy, before starting to buy securities on the stock exchange. But what do you do to decide the right strategy? And what exactly is an investment strategy?

Do you want to invest but do not know where to start? It would be true to say it is not the simple matter it might first appear, and that is why it is important to involve your bank before taking the step, so that it can support and guide you along the way. However, whenever you receive investment advice from your bank, the regulations (MiFID II) require an investor profile to be established about you. So, what is this about?

Do you want to invest but do not know where to start? It would be true to say it is not the simple matter it might first appear, and that is why it is important to involve your bank before taking the step, so that it can support and guide you along the way. However, whenever you receive investment advice from your bank, the regulations (MiFID II) require an investor profile to be established about you. So, what is this about?

In Luxembourg, temperatures have risen by 1.3 degrees since 1832. According to weather experts, drought and heavy rain will also increase in Luxembourg. Agriculture suffers as a result, but at the same time is partly responsible: 30% of the world’s CO₂ emissions are due to agriculture. Aloyse Marx, President of the “Fräie Lëtzebuerger Baureverband”, tells us in this interview how Luxembourg’s farmers can reduce negative impacts on our climate and gives five practical tips on what to look for when buying milk and meat if you want to reduce your carbon footprint.

Enovos is installing numerous photovoltaic power plants in the country in response to a call for tenders issued by the State. In addition to the rooftop installations that we are all familiar with, other types of technologies are being developed in Luxembourg. Anouk Hilger, Head of Renewable Energies at Enovos Luxembourg, presents the various installations in the country for which the group is deploying different technologies.

Enovos is installing numerous photovoltaic power plants in the country in response to a call for tenders issued by the State. In addition to the rooftop installations that we are all familiar with, other types of technologies are being developed in Luxembourg. Anouk Hilger, Head of Renewable Energies at Enovos Luxembourg, presents the various installations in the country for which the group is deploying different technologies.

After a burnout, Marc Plata undertook a training course in sophrology which, in the end, led him to the world of entrepreneurship two years later. What were his motivations and what path did he take? In this article, he explains to us what pushed him to launch his business. Enjoy reading it!

Are you able to put aside a little money at the end of each month? Have you ever asked yourself how you could put that extra money to work, to increase its value rather than let it sit dormant in your savings account? We have the solution for you: Invest your money. Get started by opening your own securities portfolio.

Are you able to put aside a little money at the end of each month? Have you ever asked yourself how you could put that extra money to work, to increase its value rather than let it sit dormant in your savings account? We have the solution for you: Invest your money. Get started by opening your own securities portfolio.

So you have decided to do something for your savings by investing some of your money? Congratulations! To get started in the Stock Market and build investment capital, you have to start by asking yourself the right questions. The most important first question is this: “How much money am I ready to invest in the Stock Market?”. You need to look at several factors to be able to answer that question.

So you have decided to do something for your savings by investing some of your money? Congratulations! To get started in the Stock Market and build investment capital, you have to start by asking yourself the right questions. The most important first question is this: “How much money am I ready to invest in the Stock Market?”. You need to look at several factors to be able to answer that question.

Is your home a smart home? Welcome to the Internet of Things (IoT). All around the world, billions of physical devices are now connected to the internet. That enables them to talk to each other – and us. Passionate about technology in general and the IoT in particular, Christophe Medinger is Deputy Head of Digitalisation at Spuerkeess. In this interview, he tells us more about the Internet of Things (IoT).

Holding a portfolio consisting of financial assets, and then having to sell it in part or in full in order to have access to cash on an ad hoc basis, can lead to real disappointment. By proceeding in this way, you admittedly have access to the cash you need, but you are also foregoing the potential gains of your financial investments. In this article, Fred Kutten, Deputy Head of Business Unit Private Banking at Spuerkeess, explains how a Lombard loan can be a solution that will save you a lot of regrets.

Are you between 18 and 30? Are you going to school, to university or hoping to do an apprenticeship? Take advantage of your student life without hassle or bank charges. After all, now is the time!

Are you between 18 and 30? Are you going to school, to university or hoping to do an apprenticeship? Take advantage of your student life without hassle or bank charges. After all, now is the time!

Spuerkeess was a pioneer in instant payments, allowing money to be sent all across Europe in less than 10 seconds. In the interest of constantly innovating, the bank continuously works to implement solutions aimed at simplifying the lives of its customers even further. The Business Innovation department presents us at the start of the year the instant issuance of payment cards and what that means for the bank's customers.

Spuerkeess was a pioneer in instant payments, allowing money to be sent all across Europe in less than 10 seconds. In the interest of constantly innovating, the bank continuously works to implement solutions aimed at simplifying the lives of its customers even further. The Business Innovation department presents us at the start of the year the instant issuance of payment cards and what that means for the bank's customers.

When Shauna and her husband moved into their flat in Bonnevoie, they didn’t have children and swore by public transport. But as their family has grown, they now definitely prefer travelling by car. When Shauna learned that she was expecting twins, it was a wonderful surprise. But with not one but two children running around, how would she and her husband manage to get them ready every morning and take them to nursery without then missing their bus to work? Shauna and her husband quickly decided it was time for them to invest in a car to make their lives easier.

When Shauna and her husband moved into their flat in Bonnevoie, they didn’t have children and swore by public transport. But as their family has grown, they now definitely prefer travelling by car. When Shauna learned that she was expecting twins, it was a wonderful surprise. But with not one but two children running around, how would she and her husband manage to get them ready every morning and take them to nursery without then missing their bus to work? Shauna and her husband quickly decided it was time for them to invest in a car to make their lives easier.

For Sophie and Marc, 2021 wasn’t exactly a typical year. The COVID-19 health crisis caused them to change their habits and made them more sensitive to environmental issues and their consumer behaviour. Last summer they bought electric bikes to get around in a more eco-friendly way, but during the winter they realised that some trips are much easier for them by car. That’s why their new year’s resolution for 2022 is to replace their family car with a more sustainable vehicle that's better for the environment.

For Sophie and Marc, 2021 wasn’t exactly a typical year. The COVID-19 health crisis caused them to change their habits and made them more sensitive to environmental issues and their consumer behaviour. Last summer they bought electric bikes to get around in a more eco-friendly way, but during the winter they realised that some trips are much easier for them by car. That’s why their new year’s resolution for 2022 is to replace their family car with a more sustainable vehicle that's better for the environment.

For Sophie and Marc, 2021 wasn’t exactly a typical year. The COVID-19 health crisis caused them to change their habits and made them more sensitive to environmental issues and their consumer behaviour. Last summer they bought electric bikes to get around in a more eco-friendly way, but during the winter they realised that some trips are much easier for them by car. That’s why their new year’s resolution for 2022 is to replace their family car with a more sustainable vehicle that's better for the environment.

The difference between owning and leasing a car is solely based on the means to achieve one same goal: to get you your dream car!

The difference between owning and leasing a car is solely based on the means to achieve one same goal: to get you your dream car!

After ten years with an advertiser, Marie-Caroline Dumas decided to create her own digital marketing and communication agency and thus became an entrepreneur. Why this choice? And how did she manage to do it, when the COVID-19 pandemic lockdown started the week after its launch? In this article, she explains her journey. Enjoy reading it!

With "Energy Contracting", LuxEnergie offers tailor-made, turnkey energy solutions that include not only the construction and financing of energy plants (with or without heat/cold networks), but also long-term operation. The customer is supplied with usable energy directly without having to rely upon extensive technical or administrative efforts. For more than 30 years, business customers such as municipalities, health care institutions, service and industrial companies have benefited from this service. With the development of new residential areas with central energy production facilities, this offer will now also become a reality for private customers. We interviewed Mr Paul Weis, Managing Director of LuxEnergie, to find out more about current and future projects.

With "Energy Contracting", LuxEnergie offers tailor-made, turnkey energy solutions that include not only the construction and financing of energy plants (with or without heat/cold networks), but also long-term operation. The customer is supplied with usable energy directly without having to rely upon extensive technical or administrative efforts. For more than 30 years, business customers such as municipalities, health care institutions, service and industrial companies have benefited from this service. With the development of new residential areas with central energy production facilities, this offer will now also become a reality for private customers. We interviewed Mr Paul Weis, Managing Director of LuxEnergie, to find out more about current and future projects.

According to the World Economic Forum's Global Gender Gap Report 2021, at least one more generation of women will have to wait for gender equality. Dr. Eva Sierminska, Academic Economist at Luxembourg Institute of Socio-Economic Research (LISER), has researched the gender gap in Luxembourg. She tells us more about the disbalance and provides useful tips for women when facing inequality.

The world has become digital and cybercrime is on the rise. Failure of companies’ technological defences entail both financial loss and damage to the reputation. But cyber-attacks can also target individual users outside of their professional environment. Lars Weber, Information Security Officer at Spuerkeess, tells us more about the most frequent cybersecurity issues and how we can secure our data at home.

Alice Tiberio left her native Italy 11 years ago to discover new cultures. She lived in Canada, the USA and moved to Luxembourg to start her business. Whether in a market or in a shop, the products from her family farm in Rimini, such as olive oil, jams, juices, etc. are worth a visit. What made her decide to change careers? In this article, she explains her journey. Enjoy reading it!

For 25 years, Stëmm vun der Strooss, a non-profit organisation, has provided support to people in need. The non-profit organisation collects food before reaching its use-by date and distributes free meals to people in need. Two restaurants, staffed by 170 people, welcome 368 people each day.

Pay your invoices by scanning a QR code with your mobile phone, or send money just by indicating the beneficiary's telephone number; who would have thought that would be possible only a few years ago? And yet, that's just what has happened. Today, all you need to have on you to make a payment is your smartphone.

Pay your invoices by scanning a QR code with your mobile phone, or send money just by indicating the beneficiary's telephone number; who would have thought that would be possible only a few years ago? And yet, that's just what has happened. Today, all you need to have on you to make a payment is your smartphone.

Global warming is a challenge that concerns us all and the economic system plays an important role in the battle against climate change. Thus, the University of Luxembourg has recently added sustainable finance into its higher education programs. We spoke to Katalin Ligeti, Dean of the Faculty of Law, Economics and Finance at University of Luxembourg.

Like every year at this time, the race for Christmas presents is on. In exactly three weeks, dozens of gifts will be piled up at the foot of Sophie and Marc's Christmas tree that will delight their little Lily, but Sophie has been fed up with this unnecessary waste for years.

Like every year at this time, the race for Christmas presents is on. In exactly three weeks, dozens of gifts will be piled up at the foot of Sophie and Marc's Christmas tree that will delight their little Lily, but Sophie has been fed up with this unnecessary waste for years.

Like every year at this time, the race for Christmas presents is on. In exactly three weeks, dozens of gifts will be piled up at the foot of Sophie and Marc's Christmas tree that will delight their little Lily, but Sophie has been fed up with this unnecessary waste for years.

After living in Sweden and Holland, Francesca Pogliani, of Italian origin, has settled in Luxembourg. Employed full time in a Big Four company, she spends the rest of her time running her office rental business as an entrepreneur. How does she manage to juggle the two and how did her business idea become a reality? In this article, she explains her journey. Enjoy reading!

The word “FinTech” entered the dictionary in 2018 but what exactly is FinTech and how does it affect banking? We spoke to Dr. Zsofia Kräussl who is Research Scientist at the Department of Finance at the University of Luxembourg.

Now that Sophie and Mark are in a civil partnership, they are thinking more and more about building a house. Sophie already sees herself planting roses in her garden, and Mark dreams of a new open-plan kitchen where he can cook up extravagant dishes in front of their friends. Mark is in fact a very good cook and often takes himself to be a great chef! However, despite all this, the couple still needs to put money aside, and has thus decided to open a BHW housing savings scheme with Spuerkeess.

Now that Sophie and Mark are in a civil partnership, they are thinking more and more about building a house. Sophie already sees herself planting roses in her garden, and Mark dreams of a new open-plan kitchen where he can cook up extravagant dishes in front of their friends. Mark is in fact a very good cook and often takes himself to be a great chef! However, despite all this, the couple still needs to put money aside, and has thus decided to open a BHW housing savings scheme with Spuerkeess.

ESG topics pose new and complex challenges that were previously largely outside the remit of financial institutions. They require targeted scientific expertise that needs to be leveraged through collaborations with the research community to enhance climate and environmental practices at Spuerkeess and the entire Luxembourgish financial sector in the long term. This pioneering project got the formal support of Luxembourg’s Minister of Finance and the Spuerkeess board and its executives. It not only adds significant value to Spuerkeess’ projects and activities but will also enrich the entire Luxembourgish financial sector as well as other sectors exposed to climate and environmental risks.

After 15 years of professional experience in the financial sector, Christelle Dewaele trained in kinesiology and switched to the world of entrepreneurship. What gave her the desire to become an entrepreneur and how did she take the plunge? In this article, she explains her journey. Enjoy reading it!

How environmentally friendly is the electric car? Dr. Félix Urbain, senior innovation consultant at Nordic Innovators P/S, knows the answer.

How environmentally friendly is the electric car? Dr. Félix Urbain, senior innovation consultant at Nordic Innovators P/S, knows the answer.

Is it possible to create nourishing self-care products for body and soul while protecting the planet? This question has been at the heart of how Tree.to.Skin came about.

In the context of the implementation of the PSD 2 regulation (“Payment Services Directive 2”), Spuerkeess, as a leader in e-banking, was the first bank in Luxembourg to offer its customers the opportunity to manage their accounts held with other banks in the marketplace (BGL, BIL, POST, Banque Raiffeisen, ING, Banque de Luxembourg, BCP) within its S-Net platform.

In the context of the implementation of the PSD 2 regulation (“Payment Services Directive 2”), Spuerkeess, as a leader in e-banking, was the first bank in Luxembourg to offer its customers the opportunity to manage their accounts held with other banks in the marketplace (BGL, BIL, POST, Banque Raiffeisen, ING, Banque de Luxembourg, BCP) within its S-Net platform.

On a global level, cities are heating up. This is due to the increasing mass of concrete, steel, asphalt and car exhaust, which adds to the effects of global warming – at the expense of nature. Some sustainability experts warn that in 50 years’ time, different populated regions could get as hot as in the desert. Dr. Andrew Ferrone, Head of Meteorological Service at the Administration of Technical Agricultural Services of the Ministry of Agriculture, Viticulture and Rural Development, knows the answer.

Climate change is the biggest challenge we face. The younger generation will inherit environmental problems that we already know how to solve if we are prepared to change our lifestyles. Find out how the team from “Haus vun der Natur” addresses environmental protection with young people and read Sonnie’s five practical sustainability tips.

A few weeks ago, you took a trip with your family to the countryside and came across a magnificent little house for sale. Since then, nobody can stop talking about moving. Despite the house requiring a little renovation work, the entire family is ready to take the plunge. Congratulations! For the occasion, we have drawn up a check-list to help you prepare your loan application.

A few weeks ago, you took a trip with your family to the countryside and came across a magnificent little house for sale. Since then, nobody can stop talking about moving. Despite the house requiring a little renovation work, the entire family is ready to take the plunge. Congratulations! For the occasion, we have drawn up a check-list to help you prepare your loan application.

Home sweet home. Julien Solvi, general manager of energieagence, tells us how we can make our households more energy-efficient and gives us his five energy-saving tips.

Home sweet home. Julien Solvi, general manager of energieagence, tells us how we can make our households more energy-efficient and gives us his five energy-saving tips.

From cans, coffee capsules and aluminium to plastic; supermarket shelves are piled with packaged products, while online retailers support a global packaging obsession. Are we drowning in waste, and does recycling make any difference? Thomas Hoffmann from SuperDrecksKëscht (SDK) explains why the EU Commission holds up Luxembourg as a model for the rest of Europe to follow and offers us five useful tips on how we can live more sustainably.

When Marc and Sophie chose to spend their summer holidays in Luxembourg, it was a joint decision. Sophie saw it as an opportunity to combine gardening, trips and lounging around, but when Marc announced that they would visit the north of the country by bicycle, she was no longer sure she wanted to follow him.

When Marc and Sophie chose to spend their summer holidays in Luxembourg, it was a joint decision. Sophie saw it as an opportunity to combine gardening, trips and lounging around, but when Marc announced that they would visit the north of the country by bicycle, she was no longer sure she wanted to follow him.

When Marc and Sophie chose to spend their summer holidays in Luxembourg, it was a joint decision. Sophie saw it as an opportunity to combine gardening, trips and lounging around, but when Marc announced that they would visit the north of the country by bicycle, she was no longer sure she wanted to follow him.

Every day, eight million pieces of plastic end up in the ocean. This not only kills fish, sea birds and marine mammals, but also affects humans on land. We spoke to Laura Mullenders (IMS Luxembourg), who was eager to talk to us about how to solve this problem.

The pandemic has restructured and changed our habits and the way we live and work. With COVID-19, our homes have become more important than ever.

It has been 25 years since Spuerkeess and etika introduced an ethical savings account which, until recently, was Luxembourg’s only sustainable banking product. The objectives set out back in 1996 have lost none of their relevance; in fact the opposite is true. Many companies claim that their products are environmentally friendly, even though this is not the case. Here, Ekkehart Schmidt from etika shares a few tips on how you can avoid falling for “eco-spin”.

Wealth management needs to meet numerous objectives and it can be complicated to strike the right balance between these goals and the enhancement of your wealth, especially without the assistance of experts. At Spuerkeess, we assess your specific needs and identify the investment solutions which suit you best. This article features the advice of Nicolas Carré, Team Manager of the “Investment and Portfolio Management” entity of the Business Unit Private Banking.

Nathalie Roth is senior advisor for climate finance, environmental and international carbon markets, valuation of climate change impacts and sustainable development benefits. For the past two decades she has advised international companies, governments and organizations in their efforts to become more sustainable. We are pleased that she took the time to talk to us about the United Nations climate and sustainable development goals. Find out how banks can become sustainable and do not miss her five practical tips for your sustainable lifestyle.

Our role is to support you in your energy efficiency projects and make you aware of the available aid and grants. As Deputy Head of Business unit Facility Management & Logistics at Spuerkeess, Michel Abraao is one of the drivers of the Bank’s efforts to become a facilitator of the transition to a sustainable economy.

Photovoltaic panels have been installed on the roof of a covered carport at the House of BioHealth in Esch. They are connected directly to the grid and thus generate the equivalent electricity needed to power 93 households for an entire year. Did you know that this is the first facility of its kind in Luxembourg?

Photovoltaic panels have been installed on the roof of a covered carport at the House of BioHealth in Esch. They are connected directly to the grid and thus generate the equivalent electricity needed to power 93 households for an entire year. Did you know that this is the first facility of its kind in Luxembourg?

From checking facts, documenting and optimising our environmental efforts to getting our sustainable message out to the world - our common goal is to advance sustainability within Spuerkeess. Take a look behind the scenes and find out what sustainability means to each of us personally.

The high real estate prices are a direct consequence of the imbalance between supply and demand for housing in our country. But how did this imbalance occur? Michel Zimer, head of Credit Process Management, analyses the factors that explain the increase in real estate prices in Luxembourg.

Do you have some savings tucked away? Or have you inherited some money? Sure, you could organise an awesome trip halfway around the world, make some luxury shopping, or simply put the money away in your savings account, however you do have other options to put your savings to work for you by carefully investing it. For beginners investors: in this article we present three approaches for you to flawlessly invest your savings.

Do you have some savings tucked away? Or have you inherited some money? Sure, you could organise an awesome trip halfway around the world, make some luxury shopping, or simply put the money away in your savings account, however you do have other options to put your savings to work for you by carefully investing it. For beginners investors: in this article we present three approaches for you to flawlessly invest your savings.

Do you have some savings tucked away? Or have you inherited some money? Sure, you could organise an awesome trip halfway around the world, make some luxury shopping, or simply put the money away in your savings account, however you do have other options to put your savings to work for you by carefully investing it. For beginners investors: in this article we present three approaches for you to flawlessly invest your savings.

For the past two years Spuerkeess has worked with a science and sustainability advisor who has helped us conduct our own research and develop tools that help us measure the risks posed by global warming. Meet our sustainability expert Kim Schumacher and find out why sustainability matters and what we can do in order to reduce our carbon footprint.

Marc is fascinated by all the technology surrounding him and believes that the possibilities for human beings to expand their knowledge are limitless. Who would have thought that Marc, who had never liked economics class and was frankly never very good at maths, would one day be able to understand anything about the financial industry? . And yet as it so happens, he could even explain to Sophie how to invest and she would be able to find out more for herself. Now there’s an idea, wouldn’t you say?

Sophie and Marc are delighted to announce the birth of their daughter Lily! While the couple is on cloud nine, they already have quite a few questions about their child’s financial future. How can we save for our children? What are the best investments to make right away?

Sophie and Marc are delighted to announce the birth of their daughter Lily! While the couple is on cloud nine, they already have quite a few questions about their child’s financial future. How can we save for our children? What are the best investments to make right away?

Sophie and Marc are delighted to announce the birth of their daughter Lily! While the couple is on cloud nine, they already have quite a few questions about their child’s financial future. How can we save for our children? What are the best investments to make right away?

Banks are introducing a new standard for interbank payments: Instant Payments.

Banks are introducing a new standard for interbank payments: Instant Payments.

In the office the other day, Marc’s colleagues were talking about Bretzelsonndeg, which is just around the corner. Marc had completely forgotten about it, so it was lucky that he was there when they were discussing it. It’s March already. The first few months of the year have flown by! He had almost forgotten about this special day that Sophie loves so much. Would she ever have forgiven him if there were no pretzels for breakfast on this traditional day? Definitely not! He knows Sophie well enough to know that pretzels are no laughing matter! Marc is planning to surprise her, by trying to make home-made pretzels, but things do not quite go as planned...

Reducing the use of plastic, taking public transport, buying second hand, eating local...the list of small actions that can improve our consumption habits has no limit when it comes to protecting our planet. We have all started, in our own ways, to implement these changes in our daily routine and we are becoming more and more responsible. Thus, aren’t we neglecting another important factor?

Reducing the use of plastic, taking public transport, buying second hand, eating local...the list of small actions that can improve our consumption habits has no limit when it comes to protecting our planet. We have all started, in our own ways, to implement these changes in our daily routine and we are becoming more and more responsible. Thus, aren’t we neglecting another important factor?

As Sophie sits in her car waiting for the stoplight to turn green, she suddenly begins to daydream, imagining all the things she will be able to do once she will be retired. Thoughts race through her mind and one thing is for certain – Sophie wants a stress-free retirement and doesn’t want to lack anything when time comes.

As Sophie sits in her car waiting for the stoplight to turn green, she suddenly begins to daydream, imagining all the things she will be able to do once she will be retired. Thoughts race through her mind and one thing is for certain – Sophie wants a stress-free retirement and doesn’t want to lack anything when time comes.

Sophie is so happy! Her new colleague Audrey, with whom she is going to work on various projects, is really nice. They only met a few days ago, and yet it is as though they have known each other for 10 years.

Alongside five other Luxembourg banks, Spuerkeess is providing financial support to its professional clients, particularly to those who are facing a lack of liquidity due to the COVID-19 health crisis.

New job opportunities can equal new challenges, moving abroad being only one of them. Sophie and Marc met Shauna while visiting the USA and they have stayed in contact ever since. Now that Shauna has been offered a job in Luxembourg, she is happy to call upon Sophie’s and Marc’s help.

Spuerkeess has continued to offer a complete banking service over the whole lockdown period. While temporary restrictions on counter transactions could not be avoided, they have had no impact on the vast majority of customers. Customers have naturally turned to the bank’s highly effective digital channels, or to the new Spuerkeess Direct remote banking service. As we take our first steps towards the end of lockdown, we speak to Head of Branch Network Coordination, Gaston Molling.

Let’s face it; once we have left school, most things we learned about maths or languages are lost if we don’t use these matters in our every day life. This can become tricky later on, once your own child is struggling with one of these topics, up to the point that you wish somebody else was helping your kid with its homework (probably saving you lots of time and nerves).

Let’s face it; once we have left school, most things we learned about maths or languages are lost if we don’t use these matters in our every day life. This can become tricky later on, once your own child is struggling with one of these topics, up to the point that you wish somebody else was helping your kid with its homework (probably saving you lots of time and nerves).

Frank Fischer, Head of Spuerkeess Direct, explains the concept of Spuerkeess Direct, the branch available from 8.00 am to 6.00 pm Monday to Friday to carry out your main banking transactions.

Lisa Wells, Head of Marketing, talks about the “Spuerkeess” brand in 2020: As part of the internal renewing process in recent years, we have worked on repositioning the Spuerkeess brand, strengthening the brand name, slightly adapting the logo and the refinement of our Corporate Identity. A brand new image campaign is also the highlight of our work.

Françoise Thoma, Chief Executive Officer of Spuerkeess, talks to us about the Bank’s new communications strategy.

Interview with Claude Faber, head of communications in the marketing department, about the procedure for the elaboration of the new Spuerkeess Corporate Identity.

Raoul Loudvig, head of the “Graphic Design” division inside the Spuerkeess Marketing department, gives us an insight into the graphical design world of Spuerkeess's new Corporate Identity (CI).

Simône van Schouwenburg, Head of Expat Services at Spuerkeess gives you a unique insight into the experiences she has made. Advantages, challenges and tips from an expat for expats.

The New Year has long begun but you seem to have forgotten all about your good resolutions? Don't worry! In order to refresh your memory, here are five useful resolutions on how to save in 2018.

The New Year has long begun but you seem to have forgotten all about your good resolutions? Don't worry! In order to refresh your memory, here are five useful resolutions on how to save in 2018.

Spuerkeess is market leader for residential real estate loans in Luxembourg. We spoke with Michel Zimer, Vice President of Credit Process Management, and asked him to give us an overview of the latest developments in the real estate market.

Let’s be clear from the start: there never has been and never will be zero risk. Digital payments are becoming more practical and secure compared with cash payments. Lars Weber, Information Security Officer at Spuerkeess, talks to us about digital payment and personal data security.

Let’s be clear from the start: there never has been and never will be zero risk. Digital payments are becoming more practical and secure compared with cash payments. Lars Weber, Information Security Officer at Spuerkeess, talks to us about digital payment and personal data security.

On 12 September, as part of its commitment to the United Nations Principles for Responsible Investment (UN PRI), Spuerkeess Asset Management (Spuerkeess Asset Management is the trading name of BCEE Asset Management) signed the "Investor statement on deforestation and forest fires in the Amazon". This statement aims to encourage companies to step up their efforts and state their intention to eliminate deforestation from their activities and supply chains.

On 12 September, as part of its commitment to the United Nations Principles for Responsible Investment (UN PRI), Spuerkeess Asset Management (Spuerkeess Asset Management is the trading name of BCEE Asset Management) signed the "Investor statement on deforestation and forest fires in the Amazon". This statement aims to encourage companies to step up their efforts and state their intention to eliminate deforestation from their activities and supply chains.

We all have had situations like these: you leave the house in the morning, your thoughts are all over the place. The baby didn’t sleep all night, the dog kept waking you up, or the neighbours kept partying until late in the night. But when the alarm goes off at 6 a.m., life goes on: and it happens! You forget your wallet. What now?

Over time, Marc has amassed a small amount of money in his savings account. With how interest rates have been developing over the past years, this means that his savings are currently mostly catching dust. This is one of the reasons, why he has been tempted to invest part of it: to get movement into some of his savings.

Over time, Marc has amassed a small amount of money in his savings account. With how interest rates have been developing over the past years, this means that his savings are currently mostly catching dust. This is one of the reasons, why he has been tempted to invest part of it: to get movement into some of his savings.

This is the motto at Supermiro (the personal assistant that handles your free time) and now Helloboss (which takes care of your professional schedule and your career).

Summer time is over and school is starting again, but this year, you’re up for university, which means new challenges, new responsibilities and new opportunities. Starting your university studies is an important milestone in your life.

Summer time is over and school is starting again, but this year, you’re up for university, which means new challenges, new responsibilities and new opportunities. Starting your university studies is an important milestone in your life.

“Aruba, Jamaica, oh I want to take ya, Bermuda, Bahama, come on pretty mama…” Ok, so Sophie and Marc aren’t off to the Jamaica the Beach Boys were singing about, but they’re still going on holiday! There’s nothing like a little city trip with Luxair to get the most from summer, to soak up the sunshine and to savour some delicious local dishes while recharging your batteries.

If until now you could already change the limit of your credit cards via the S-Net app, it now allows you to manage even more payment settings!

If until now you could already change the limit of your credit cards via the S-Net app, it now allows you to manage even more payment settings!

This month, the overhauled S-Net mobile app celebrates its fourth birthday! If today, we can no longer imagine a world without mobile phones or applications, let’s go back a few years and remember the birth and evolution of an application that, day after day, supports Spuerkeess customers in their adventures.

This month, the overhauled S-Net mobile app celebrates its fourth birthday! If today, we can no longer imagine a world without mobile phones or applications, let’s go back a few years and remember the birth and evolution of an application that, day after day, supports Spuerkeess customers in their adventures.

You've probably heard of residual debt insurance. But what does it mean and do you need it?

You've probably heard of residual debt insurance. But what does it mean and do you need it?

Our software openAudit is a solution for managing decision-making data flows, in order to massively simplify systems and tackle the most stringent regulatory texts e.g. BCBS239 or GDPR.

Ruth Gallery is a contemporary art gallery that aims to showcase different cultures from all over the world. Having presented the pop art universe a few months ago with Dganit Blechner and Michael Waizman to celebrate the new year in our new exhibition venue, we have now turned our attention to Vietnam. Integrating art into the professional environment is a great way to create social links and to boost the corporate culture. Ruth Gallery rents paintings, sculptures and photographs to companies and self-employed professionals to decorate their offices. This mobile gallery passionately supports its artists while aiming to open new horizons to contemporary art through entrepreneurship.

Ever since Sophie got pregnant, Marc has started cooking larger meals for his darling, and for himself as well. As a result, it's hard to tell which one of them is going to deliver the baby! To avoid any confusion in the maternity ward, Marc is getting into shape with the help of an activity tracker unlike any other.

Isn’t love wonderful! We fall in love and enter into a civil partnership but what happens if one of the partners dies? Here’s all you need to know!

It’s difficult to know how much pocket money to give to children. But one thing is for sure: managing a budget will help them learn the value of money and teach them to appreciate it more.

It’s difficult to know how much pocket money to give to children. But one thing is for sure: managing a budget will help them learn the value of money and teach them to appreciate it more.

Nyuko, a challenger of ideas, is repositioning and has signed a partnership with Spuerkeess. This will enable nyuko to supervise project leaders even better and to offer its services to a wider public. Robert Goeres, Managing Director of Goeres Horlogerie and Chairman of nyuko, spoke to us about the importance of restructuring.

In light of the recent economic environment and the arrival of MiFID II, which further regulates investment advice and portfolio management, clients have become more exacting in terms of financial advice. Claude Hirtzig, Senior Vice President, Head of Private Banking, explains how Spuerkeess has reshaped its offering to provide an optimal framework for clients’ investments.

This year, treat yourself to a gift that will keep on giving!

Considering transparent and socially responsible investment? Ekkehart Schmidt, public relations officer at etika – Initiativ fir Alternativ Finanzéierung asbl, explains exactly how you can benefit!

Considering transparent and socially responsible investment? Ekkehart Schmidt, public relations officer at etika – Initiativ fir Alternativ Finanzéierung asbl, explains exactly how you can benefit!

Dear readers, Sophie and Marc have reached an important milestone: our favourite couple are expecting a baby! Becoming parents brings with it a lot of joy, but also new challenges and compromises. The first one is finding the right car!

Dear readers, Sophie and Marc have reached an important milestone: our favourite couple are expecting a baby! Becoming parents brings with it a lot of joy, but also new challenges and compromises. The first one is finding the right car!

Dear readers, Sophie and Marc have reached an important milestone: our favourite couple are expecting a baby! Becoming parents brings with it a lot of joy, but also new challenges and compromises. The first one is finding the right car!

Who inherits what? Understand how intestate succession works!

Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess) has announced it is taking part in the “InnovFin” programme, with a budget of 40 million euros. Norbert Brausch, Head of Banque des Entreprises et Secteur Public, explains to us the importance of this initiative and why Spuerkeess wished to participate.

Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess) has announced it is taking part in the “InnovFin” programme, with a budget of 40 million euros. Norbert Brausch, Head of Banque des Entreprises et Secteur Public, explains to us the importance of this initiative and why Spuerkeess wished to participate.

It's the end of the month: Sophie and her friends are meeting for a cocktail at their favourite bar. Expenses come up in conversation and everyone wonders where their money went! Outings, pizza nights, Netflix membership, etc. NOT ONLY can we tell you where your money went, we can help you better manage it in the future.

Now that Sophie and Marc are civil partners, they decided to open a joint current account in order to tackle everyday expenses. Note, everyday expenses relate to water and electricity bills as well as to the shopping trips to fill the fridge. Even though, each couple has to find their own definition!

One fine summer day, Sophie and Marc met in the hallway of the company they worked in. Their eyes met and very quickly, their friendship turned into love... Today, the young couple decided to take it to the next level by registering a civil union. However, what are the actual benefits of the civil union?

In a society marked by digitalisation, consumers’ behaviour and their expectations regarding retail outlets have changed considerably. This trend is affecting all sectors, and every company must deal with this new situation by offering the most appropriate services to its customers. This is why Spuerkeess has launched a strategy to modernise its branch network. Gaston Molling, Vice President & Head of Business Unit Retail Banking at Spuerkeess, explains to us the modern banking concept in detail.

Discover how you can take advantage of the financial markets by investing small amounts, starting from age 18!

Discover how you can take advantage of the financial markets by investing small amounts, starting from age 18!

Spuerkeess is aware that the ongoing price increases put pressure on customers who want to purchase real estate, whether for their own needs or as a rental investment. This is why Spuerkeess’s personalized advice and flexible solutions have become crucial customer relation components.

Next year, Sophie and Marc are planning to go on holiday to Japan. This will be quite an expensive trip, and the young couple will have to plan their expenses properly and start putting money aside quickly. Thankfully, MIA is there to help them reach their goal more easily!

As the leading bank in the Luxembourg financial market, Spuerkeess has launched MIA, a personal financial management (PFM) tool, free of charge, destined to facilitate its customers‘ financial management. We asked Roger Krämer, Head of Business Innovation Office, and his team about the rising importance of innovative technologies and their role in customer relations.

Sophie's niece Emma is too old now for the traditional Easter egg hunt. Instead, she prefers reading her anatomy books because one day, she wants to be a doctor! This year, the Easter bunny will be bringing her chocolate but also another, extra special gift to help her realise her big dream.

Sophie's niece Emma is too old now for the traditional Easter egg hunt. Instead, she prefers reading her anatomy books because one day, she wants to be a doctor! This year, the Easter bunny will be bringing her chocolate but also another, extra special gift to help her realise her big dream.

In need of tips or advice on financial matters? Well then, you might like our new blog! Luc Sinner, Deputy Head of Business Unit Marketing at Spuerkeess told us more about it.

The European Markets in Financial Instruments Directive (MiFID II) entered into force on 3 January 2018. Claude Hirtzig, Head of Department and Senior Vice President at Spuerkeess, spoke to us about the importance of this directive in terms of transparency and investor protection.

Spuerkeess recently redesigned the desktop and mobile versions of its S-Net. The modern and innovative design created by the communications agency Apart won a “German Design Award” 2018 in the “Excellent Communications Design – Apps” category.

Charles Pletsch, deputy head of Spuerkeess’s Coordination du Réseau des Agences, talks about the bridge loan, a short-term loan that can ease the transition when moving from an old home to a new one.

This is the year that Marc has decided to boost his savings! Along with Sophie, he has already put together a BHW housing savings scheme for their future house construction project. Saving is good, of course, but Marc would also like to invest money to see it grow! Now, he is not rolling in money and the sum that he wants to invest does not gain him access to private banking.

This is the year that Marc has decided to boost his savings! Along with Sophie, he has already put together a BHW housing savings scheme for their future house construction project. Saving is good, of course, but Marc would also like to invest money to see it grow! Now, he is not rolling in money and the sum that he wants to invest does not gain him access to private banking.