Anthony Norman

  If you want to know what Swedish summer tastes like, look no further than Swedish strawberry cake. For many Swedes, this cake is essential to midsummer and birthday celebrations. Every year, in the days leading up to midsummer, the cost of strawberries tends to skyrocket in Sweden. This is because Swedes have to eat strawberries and, more specifically, strawberry cake on midsummer’s eve – no matter what the cost. An authentic Swedish strawberry cake is as simple as it is spectacular. It is essentially a regular sponge cake filled with vanilla cream on the first layer, strawberry jam on the second and then smothered in whipped cream and strawberries. Once finished, the strawberry cake is a sight to behold in all its red and white glory – colorful, decadent, and absolutely mouth-wateringly delicious.  Midsummers is one of Sweden’s most beloved holidays and ever since pagan times Swedes have celebrated the longest day of the year, around the time of the summer sol...

  Launching a business in Sweden as a foreigner One of the well known Swedish lawyers with law offices in the Baltic and Scandinavia said once that Swedes think that other countries have a different way of doing things. The truth is that Swedes are different. Market with 9 million high income consumers is very attractive to Baltic entrepreneurs and in order to succeed with your entry, there are a lot of aspects needed to understand beforehand. Trust is essential value in Sweden to look for in relations with new partners, suppliers and customers. For this aim, going native and looking local is a good solution. Here are 1Office Sweden tips for launching your business in Sweden. Anthony Norman What type of entity to choose for entry? There are different legal forms allowed for private business in Sweden and the best way is private stock company (aktiebolag or AB). Benefits: *Looking local is easier than with registered activity or a branch office. *No financial or legal c...

 After 13+ years of running this blog, I’ve decided to turn Value Investing World into a fee-based newsletter. There will still be free editions of the newsletter, but the majority of the material will be for subscribers. Further details are below. But first, let me thank everyone for reading this blog over the years. Thank you! I’ve met many of you in person and appreciate you coming here as a way to help you filter through all the great content there is to read out there.  By signing up, you'll be added to the free distribution list, and will then have the option of subscribing to the paid version to get all of the content going forward. The newsletter will be just like this blog. For those of you that already subscribe via email, I will try and move you over to the free version. You can then upgrade if you’d like to subscribe to the paid version. I don’t know if I’ll be able to transfer all of the email addresses over, so if you don’t receive an email over the next day or t...

  A typical routine in my new Swedish life cannot be described without mentioning digital solutions that I use in my everyday life – The StorStockholms lokaltrafik app to get my mobile travelcard and check real-time departures, mobile BankID to securely log into my bank account, and many other digital public services, the Swish app to instantly send or receive money and many other things that I can do through my phone – Here I share some essentials apps to download if you are new in Sweden and wish to start conducting a digital lifestyle.  In Sweden, even the most basic errands can be done through an electronic device, from buying groceries to paying taxes, no matter how remote. This country has long led innovation and ranked high in terms of digital development. It comes as no surprise that digital services are well integrated into Swedish life. The good news is that navigating a digital lifestyle has never been easier than before. A highlight of my experience ...

Before moving to Sweden , here are some of the social norms and things that you need to know! Some were pretty new to me when I moved here.   Personnummer or personal identity number is needed to receive healthcare services, open a bank account, sign contracts, or purchase anything online. Think of it as a pass to get the benefits of living in Sweden.  Sweden is a cashless society. Only a few shops accept cash!  High taxes but you get your money’s worth! For example, you get access to almost-free healthcare and free education, paid parental leave, and many more.  Some businesses close down in July because of summer vacation. The vast majority usually travel and it’s normal to take five weeks vacation during this time. Job titles are not necessary. People will address you by your name.   You can drink the water straight from the tap.  You need to take off your shoes when indoor! Same in the gyms in Sweden. You need to bring your ind...

With a plethora of great options, choosing the right university in Sweden to study abroad can be challenging. Here are the 4 best universities for international students ranked based on popular categories. Sweden is a fantastic and often overlooked destination for international students studying abroad or getting a postgraduate degree. As a leader in technology and sustainability, Sweden is home to cutting-edge companies and an economy focused on a clean, environmentally conscious future. Combining industry-leading innovators and a world-class education system makes Sweden one of the best countries for career-minded international students.  Another benefit of studying abroad in Sweden is the lack of a language barrier, as Swedes score among the top countries for English proficiency skills globally, according to the 2020 EF EPI. Along with being a northern European hub, this Scandinavian country is downright stunning geographically. Lake-filled rolling hills (bergkullterräng) mee...

  Studying abroad is the time where I allow myself to enter sort of an adventure: Travel to new places, make new friends and eat new food. As a student, I don’t have the budget for fancy restaurants but I would frequently indulge myself with cheap delightful treats from the local supermarkets. Here is my pick of the top 4 Swedish food that: – Cost less than 2 EUR (approximately 20 SEK) – Very Swedish – Taste insanely great, or at the least, you would find them a bit strange If you’re coming to Sweden before you can balance your monthly spending, I would recommend that you try these humble things from the nearest supermarket and see which one of them will become your everyday food in Sweden. 1 – Fishy delights in a toothpaste tube Cost: 17 SEK Does eating food out of a squeeze tube sound to you like a thing that only astronauts would do? You will have the chance too if you come to Sweden and love Kalles Kaviar as much as Swedes do. The aromatic taste of cod roe will ra...

Millions of neophytes try their hand at the market casino each year, but most walk away a little poorer and a lot wiser, having never reached their full potential. The majority of those who fail have one thing in common: They haven't mastered the basic skills needed to tilt the odds in their favor. However, if one takes adequate time to learn them, it's possible to be on the way to increasing one's odds of success.  World markets attract speculative capital like moths to a flame; most people throw money at securities without understanding why prices move higher or lower. Instead, they chase hot tips, make binary bets, and sit at the feet of gurus, letting them recommend buy-and-sell decisions that make no sense. A better path is to learn how to trade the markets with skill and authority. Start with a self-examination that takes a close look at your relationship with money. Do you view life as a struggle, with a difficult effort required to earn each dollar? Do you beli...

  1. Avoid the herd mentality The typical buyer's decision is usually heavily influenced by the actions of his acquaintances, neighbours or relatives. Thus, if everybody around is investing in a particular stock, the tendency for potential investors is to do the same. But this strategy is bound to backfire in the long run. No need to say that you should always avoid having the herd mentality if you don't want to lose your hard-earned money in stock markets. The world's greatest investor Warren Buffett was surely not wrong when he said, "Be fearful when others are greedy, and be greedy when others are fearful!" 2. Take informed decision Proper research should always be undertaken before investing in stocks. But that is rarely done. Investors generally go by the name of a company or the industry they belong to. This is, however, not the right way of putting one's money into the stock market. 3. Invest in business you understand Never invest in a...

Blockchain technology has shown its ability to revolutionise completely different industries, even in its infancy. The options of decentralisation, transparency, and unchangeableness are appealing for business sectors everywhere the world, however the business leading the means in implementation is finance.   Understanding Blockchain Blockchain technology could be a decentralised, distributed, and public ledger that's accustomed record transactions across several computers among a network. owing to its style and properties, blockchain is secure, transparent, and nearly not possible to alter.  Within the finance industry, this underlying technology permits the transfer of currency with confidence that the dealings is secure associated reliable.  The advantages of blockchain come back from the subsequent properties:  Distribution: varied copies of the ledger exist throughout the network. every time a replacement transaction and block are added, everyone among th...

  Thinking of buying or selling an investment? Asking these questions may help you make a rational decision. If your investments aren’t yielding the returns you hoped they would, you might be tempted to sell them and reinvest them elsewhere. If things are going well, you may want to cash out and move on to the next investment. While changing strategies can be a good idea, it’s better to base those decisions on analysis and in the context of your long-term investment plan rather than on speculation or instinct. So, before you make an impulse move, ask yourself the following questions: Have my financial needs/circumstances changed?  When your  financial goals  change, you should revisit your investment strategy. Likewise, you should re-evaluate your investment portfolio after significant life events, including when you’ve changed jobs, gotten a raise, had a child, or gotten married/divorced. Finally, consider your tax situation: If you’ve made gains on one investment, ...

  The NEFT payment system allows you to transfer funds from a managed account in any bank to any other branch of the bank provided that the transaction is carried out between the participating banks of the specified payment system. At the moment, the transfer of funds through NEFT is possible only during the working hours of the bank. To give impetus to the movement of digital funds, it was decided to cancel the commissions charged by the Reserve Bank for transactions processed in the RTGS and NEFT systems. Banks, in turn, will have to pass these benefits on to their customers. The RBI has waived fees paid through OIL and RTGS and asked banks to pass the benefits on to customers. Some banks may choose to drop the RTGS cap entirely, while others may allow customers to set their third-party transfer limits. Therefore, the time has come for the Central Bank to issue another order that instructs banks to report all the details of the sender who sends money through OIL or any other paym...