On this P2P lending glossary page you’ll find all the important terms you’ll encounter as an investor in P2P lending platforms around the world, with Mintos being the largest platform. This glossary is regularly updated with new terms as the industry evolves. AML – Anti-Money Laundering. It refers to a number of policies that governments, […]
How to Invest in US and European Startups
Over the past few years I’ve been doing a ton of research on investment opportunities and asset classes. An opportunity that I came across is investing in startups. However, I haven’t really taken a big dip into this asset class. I’ve conducted some small investments to test the waters, as I always do with any […]
My Thoughts on the FIRE Concept and Movement
FIRE stands for Financial Independence/Retire Early. It’s a term that was coined in the United States by personal finance bloggers who started to blog about their journeys of achieving financial independence with the aim of escaping the rat race and retiring earlier than the standard 60-65 age bracket. Obviously this is a hugely attractive proposition […]
Mintos Review 2026 – My Results in 9 Years and Over €150,000 Invested
Open a Mintos account TL;DR Mintos is Europe’s largest P2P lending marketplace, regulated under MiFID II in Latvia After 9 years and EUR 150,000+ invested, my net annual return averages ~9% 60+ loan originators across 33 countries with a buyback obligation on most loans Best for experienced investors comfortable with originator risk — not suitable […]
How to Win Padel Matches at Amateur Level
Most padel players at any level enjoy watching World Padel Tour matches and dream of imitating the moves of their favorite padel players. However this might not be the most effective way of spending your time if you’re an amateur player and are trying to win more matches. What does being an amateur player really […]
My Morning Routine
I have a fairly structured morning routine that I’ve developed over the years. It used to go something like this before we had kids: Wake up and go to the toilet. Go back to bed for an HRV reading. Take a shower immediately. Brew a cup of coffee with coconut oil and do a ten-minute […]
Gambling v Investing: The Similarities and Differences
Investing in the stock market carries inherent risks. Just like gambling, it involves the risking of capital in the hope of future financial gains. Both involve speculating on an outcome that can’t be guaranteed – however, there are also some key differences to bear in mind. Let’s take a look at the similarities and differences […]
Should You Buy North or South Facing Property in Spain?
A common question in the property scene is whether one should buy a south or north facing property. South facing provides the best conditions for sunlight, considering factors like the difference between morning and afternoon sun. Suitable lighting and direct sunlight impact directly in a very significant way many things from mood to electricity costs. […]
How to Determine Your Chronotype and Plan Accordingly
I learned about chronotypes from sports sleep coach Nick Littlehales. While I’ve never had much trouble sleeping, I have struggled on and off with going to sleep and waking up at the right times. Your chronotype describes your sleeping characteristic – whether you’re a morning person or an evening person. Chronotypes are genetic traits and […]
Navigating Through Life’s Scams, Quackery, Fake Science and Outright Bullshit
One thing I’ve realized during the past 5 years or so is the mind-boggling amount of crap information that’s passed around as absolute truth. Of course, the arrival of the internet only hugely magnified this problem, so we live in an age where it can be extremely difficult to know what’s true and what’s not. […]
Avoiding Smartphone and Social Media addiction
Update March 2026 — I’ve moved on from the dual-phone approach. These days I use a browser extension to strip the addictive elements out of social media instead. See: How I Stripped Social Media Down to What Actually Matters. Smartphone usage and social media have become very detrimental to our attention spans and the ability […]
Expat Guide to Spanish Taxation – Welcome to Europe’s Tax Hell
One of the most common mistakes expats make is not researching the tax situation of their new country before they move there. This can lead to some very bad news further down the road. Let’s have a look at Spain, which has a lot of taxes that people coming from other countries might not be […]
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