Few months ago I made a little tour of Europe , and (among various places I visited) I went to spent some quality time in Amsterdam. Here I had the pleasure of spending some time with Albert van den Broek , CGO of Figlo : Albert is an excellent host, and during a nice dinner at a typical Dutch restaurant he explained to me the vision behind one of their new products. I am not very deep in financial considerations, so I will probably explain this in the wrong way (for which I apologize in advance): in any case, you can always go to their website and take a look for yourself. The point is that personal finance is an incredibly important aspect of our lives, and yet a surprising amount of people (including me) knows nearly nothing about how it works (reminds me of the fact that I've learned the function of carbohydrates and proteins only when I was already at college. crazy!). This is bad, because without a sense of how you choices today affect your situation tomorrow it is very hard to get to your objectives. Their point is, it doesn't have to be like that! They believe that presenting the situation with the right tool, such as a streamlined process backed by the right UI metaphor, anybody can take informed decisions and make actual steps toward his wishes (early retirement, college funds, similar stuff). They also have a very catchy name for the procedure, HaWaNeDo (Have, Want, Need, Do), which always helps in end user products. The day after I met with part of their board and
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