One of the biggest mistakes people make when deciding where to live is placing tax considerations above everything else. While taxation is certainly an important factor, making it the sole or primary reason for relocation—or for not moving—is often a short-sighted decision. You’re saving €20,000 a year in taxes—but what is it costing you? I’ve […]
Best Travel Insurance Options for Europeans
When planning a trip, travel insurance is something I always consider, especially if I’m venturing out of Europe. Many digital banks and fintech companies offer insurance coverage as part of their premium subscription plans, which makes things convenient if you travel frequently. In this article, I’m sharing my comparison of the travel insurance options provided […]
Is It Too Late? Love, Family, and Reinventing Your Life at 40
A Conversation on Timing, Priorities, and the Pursuit of a Meaningful Life I have many friends approaching midlife, and a good number of those who are not yet married and raising kids are grappling with the question of whether it’s too late to find the right partner, have children, and build a life that balances […]
Getting an Online Extranjeria Appointment in Spain
If you’ve ever tried to book an online appointment with extranjería (Spain’s immigration office), you know the drill. You load the government website, select your province, pick your procedure, and hit submit. Then you get the same message you got yesterday, and the day before that: “No hay citas disponibles.” No appointments available. This isn’t […]
Exploring Citizenship by Investment: A Comprehensive Guide
In an increasingly globalized world, more and more individuals are seeking ways to secure a second passport. Whether for expanded travel freedom, financial opportunities, or a safety net, citizenship by investment (CBI) programs have become a popular choice. In the Good Life Collective, we frequently discuss second citizenships and residency programs, as many of us […]
The Dilemma of Options Trading: To Let Expire or Close Early?
Options trading often boils down to one critical decision: should you let your position expire or close it early? This choice is relevant for both buyers and sellers of calls and puts. In this article, I’ll break down the scenarios for each type of option—long calls, short calls, long puts, and short puts—and provide practical […]
How Government Policy Decisions Affect My European Investment Portfolio
TL;DR: Government spending, tax policy, and central bank decisions ripple through every asset class. Here’s how I track and respond to them as a European investor — and real examples from my own portfolio of what happened when policy shifted. In late 2022, news broke about Spain’s new “solidarity” wealth tax. Around the same time, […]
How Interest Rate Changes Affect My Investment Returns (And What I Do About It)
TL;DR: Interest rates affect everything from your P2P lending returns to your mortgage payments to your crypto portfolio. As someone who invests across all of these, here’s how I’ve adjusted my portfolio across rate cycles — and what I plan to do next. When the ECB started raising rates aggressively in 2022, I noticed it […]
Hive5 Review 2026 – Risks, Red Flags, and Why I No Longer Recommend It
Update (March 2026): Since publishing this review, serious concerns about Hive5 have emerged. Independent reviewers Independent reviewers have raised serious concerns and recommend avoiding the platform. Issues include insider-owned loan originators, misleading profitability claims, incentivised Trustpilot reviews, and legal action taken against a reviewer for publishing criticism. I no longer recommend Hive5 and have removed […]
Why Use a Crypto OTC Desk and Why Kraken’s Is Worth Considering
If you’ve been around crypto long enough, you’ve probably noticed that moving big chunks of Bitcoin or Ethereum on regular exchanges can feel like trying to fit an elephant through a doorway. Prices slip, order books dry up, and before you know it, you’ve paid a premium just to get the job done. Enter Over-the-Counter […]
Malta’s BCRS Recycling Scheme – A Dangerous Scam
Malta’s Beverage Container Refund Scheme (BCRS) is a classic case of good intentions executed with breathtaking incompetence—and possibly even a sprinkle of opportunism. On paper, the scheme sounds noble: incentivize recycling by offering a small refund for returned beverage containers. In reality, it’s a poorly disguised mess that preys on the most vulnerable members of […]
Plastic Recycling is a Scam: Here’s Why You Should Stop Believing the Lies
Yes, I believe that plastic recycling is one of the many scams governments and the corporations that are in cahoots with them have fed us. Read on to understand why. The Origins of the Plastic Recycling Myth The myth of plastic recycling wasn’t born out of environmental concern. Back in the 1970s and 1980s, oil […]
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