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Blog & Events
Thinking About Money, the Neunundvierzig blog:
Helps you keep your cool, make the right decisions and use your assets to improve your quality of life.
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The impact of cognitive biases on our investment choices is profound. Contrary to the idealized figure of the rational economic human, the stock market seldom sees such creatures; investors tend ...
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How to make your children millionaires
Heads up: We reveal the secret to effortlessly turning your kids into millionaires! And you don’t need to be rich to start. But don’t worry, we haven't joined the ...
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The Little Shop of Horrors Part II: The Dark Underbelly of the Insurance Industry
Today, we delve further into what can only be described as the little shop of horrors of the insurance world. We’re discussing once again unit-linked endowment insurance, a supposed &qu...
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Good and Bad Questions About Money
Do you know the challenge with sound financial advice? No, not revisiting the unfortunate commission business. Anyone still thinking that a salesperson equals an advisor is simply beyond help. For ...
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Don't confuse insurances with wealth building
The urgency for private provision has been growing over the years. It should be evident to all by now that the state pension, at its best, merely offers a basic ...
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Fee-Based Advising is More Than a Fair Pricing Model
I remember well how challenging it was when we started fee-based advising in Munich 14 years ago. It was tough to explain to people the difference between selling products and genuine ...
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We need a commission ban, now!
Provisionen im Finanzvertrieb sind definitiv toxisch. Es wird höchste Zeit, diesen Irrsinn endlich zu verbieten, anstatt ihn immer detaillierter zu dokumentieren.
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Money is men's business
Money is deeply entrenched in our language with masculine undertones. Most of the terminology and values associated with currency are unmistakably coded with traditional male roles: power, prestige, and status. ...
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Money is time
"Time is money" is the relatively superficial heedless mantra of those perpetually chasing profits. Yet, there's more wisdom in the equation time = money than one might initially perceive. ...
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Performance Chasing
Every investor's dream, often considered the Holy Grail of asset management, is to significantly outperform the market. Traditional thinking holds that this can be achieved in two possible ways: either ...
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Is an entrepreneur a bad investor?
Being an entrepreneur means taking risks – often enormous ones. Entrepreneurs pour their time, energy, and significant money into their business ideas. Often, they are so passionate about their enterprise th...
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Fire Drill
It's a fact that people don't make clear decisions under stress. The prefrontal cortex, which is responsible for logical thinking, goes into a kind of thunderstorm: The brain goes into ...