Sophie and Marc's adventures

For her internship at the end of her university degree, Sophie had the opportunity to spend six months in the US. She had a great time, and was able to experience Halloween the way it’s supposed to be, just like she’d seen in the movies. It’s traditional in America for the streets to transform into rows of haunted houses, each more elaborately decorated than the next, and for residents to dress up as all kinds of different characters. This year, to mark the occasion of Shauna’s arrival in Luxembourg, Sophie is planning to invite her to a US-style Halloween.

Mayday! Mayday! The moment Sophie has been dreading has arrived: from 31 December 2024, it will no longer be possible to access S-Net without using Luxtrust Mobile! That gives her six months to convince her dad to accept the technology and replace his physical Token with the Luxtrust Mobile app. And if you’d had dealings with her dad, you’d know that’s no easy task!

A rainy Sunday - time to tidy up your desk! It's an activity that often leads to long-lost items being found, such as the document Marc was looking for everywhere, his stapler and then his LuxTrust token. But hasn't he seen on social networks that we’ll soon be saying “bye bye” to the token? Find out how LuxTrust Mobile makes banking easier.

When your child starts secondary school, he or she will enjoy greater freedom, but with it will come greater responsibility. To make this period of change as stress-free as possible for you and as safe as possible for your child, we've put together a checklist to help you get through the back-to-school period.

Miles, miles and miles! With her Miles & More Luxair Visa card, Sophie accumulates "miles" and "more" by shopping, refilling her gas tank, etc. Now, whenever she makes the smallest purchase, she can’t help listing the holiday destinations she must add to her bucket list. But before she starts accumulating miles and converting them into trips, Sophie wants to understand the benefits of her new credit card.

In case you haven't noticed, it's cold outside! Out with the summer jackets and in with the scarves and overcoats! This is also usually the time when people start cranking up the heating at home. At Marc and Sophie’s house, however, their old boiler no longer works properly and is far from economical. As a result, Sophie has to wear her fleece around the house, and Marc tears his hair out each time he receives the heating bill.

Sophie used to dream of a house with a big kitchen garden where she could grow vegetables and pretty rose bushes to her heart’s content. When she and Marc found their home, it wasn’t in the best condition – but they jumped at the chance to sign on the dotted line without really thinking about how much it would cost to repair. Now, a few years later, they have finally decided to tackle their renovation project.

Since 2018, Sophie and Marc have dreamed of a trip to Japan, and this is when they started their "Japan trip" project in their MIA personal assistant. But as events unfolded, they became parents to little Lilly, there was the pandemic, the renovation of the house, and fulfilling this dream had to wait. Despite their other projects over the last five years, they have managed to save up for their trip to Japan. Find out about how they have planned it and how credit card insurance can help.

It’s been a while since Sophie and Marc bought aunt Elise’s beautiful house. Finally, the works are almost finished and they’re getting ready to move in. The costs of the renovation, the mortgage and the interest charges have made Sophie and Marc’s savings dwindle. With Marc’s parents having decided to sell their house in order to live in the South, they have given their children some money. This money, the young couple wants to invest in the family’s future.

You are an expatriate in Luxembourg and you need a car? Lease Plus is the perfect leasing solution ... not only for expats!

Every year it’s the same old story: Marc starts very early to gather all the documents to make his tax return, but when it comes to collecting Sophie’s documents, it's a real headache! Let's just say that we do not all have the same organisational qualities and that when organisation is one of our strong points, it is difficult to remain patient with a more “carefree” person like Sophie. Admittedly, opposites attract, but for the benefit of their couple, Spuerkeess has put in place a safe deposit box in the new Tax Area in S-Net Desktop, which will make life easier for them and also their couple! Read on to find out more ...

Don't procrastinate ... while the deadline for submitting the tax return is now 31 December of the year following the tax year in question, Marc likes to complete this task as soon as possible. Since the arrival of the tax safe in S-Net, he has been able to gather all the documents he needs and filling in his return is so much easier. Thanks to the VIREO myTax digital tax assistant in S-Net, the declaration is now done in the blink of an eye.

Since moving into their first home and undertaking the renovation of their new house, Sophie has developed a passion for interior design. She therefore decided to transition to a new career and enrol in an in-depth training course. With a busy schedule, fortunately she can now make her Spuerkeess appointment via S-Net and spuerkeess.lu!

Ever since she first became a mum, Sophie has loved Mother’s Day. She always looks forward to the day, wondering what Lily will have made for her at nursery. Then the big day arrives, and her special little girl presents her with a multi-coloured object, with a huge smile on her face, shouting impatiently, “It’s for you, Mum, open it! ”. What will Mother's Day have in store for her this year?

After a long discussion with her aunt Elise, the answer was staring Sophie in the face... If her aunt doesn't feel up to looking after her beautiful house any more and wants to live in a small flat instead, Sophie won't stop her. Indeed, when Aunt Elise has an idea, it is best not to stand in her way. Moreover, Aunt Elise's house would be perfect for Sophie and Marc as they are talking more and more about extending their family but don't have enough room where they currently live. The answer to everyone's situation? Sophie and Marc will buy Aunt Elise's beautiful house, but before moving in, they'll do some renovations to improve its energy performance.

During the recent Easter holidays, Sophie and Marc chose to travel by train and electric car, taking advantage of the Avis benefit on their Visa Premier card for car rental. Sophie, Marc and their daughter Lily explored Denmark and Sweden for almost two weeks.

Like every year at this time, the race for Christmas presents is on. In exactly three weeks, dozens of gifts will be piled up at the foot of Sophie and Marc's Christmas tree that will delight their little Lily, but Sophie has been fed up with this unnecessary waste for years.

Now that Sophie and Mark are in a civil partnership, they are thinking more and more about building a house. Sophie already sees herself planting roses in her garden, and Mark dreams of a new open-plan kitchen where he can cook up extravagant dishes in front of their friends. Mark is in fact a very good cook and often takes himself to be a great chef! However, despite all this, the couple still needs to put money aside, and has thus decided to open a BHW housing savings scheme with Spuerkeess.

When Marc and Sophie chose to spend their summer holidays in Luxembourg, it was a joint decision. Sophie saw it as an opportunity to combine gardening, trips and lounging around, but when Marc announced that they would visit the north of the country by bicycle, she was no longer sure she wanted to follow him.

Marc is fascinated by all the technology surrounding him and believes that the possibilities for human beings to expand their knowledge are limitless. Who would have thought that Marc, who had never liked economics class and was frankly never very good at maths, would one day be able to understand anything about the financial industry? . And yet as it so happens, he could even explain to Sophie how to invest and she would be able to find out more for herself. Now there’s an idea, wouldn’t you say?

Sophie and Marc are delighted to announce the birth of their daughter Lily! While the couple is on cloud nine, they already have quite a few questions about their child’s financial future. How can we save for our children? What are the best investments to make right away?

In the office the other day, Marc’s colleagues were talking about Bretzelsonndeg, which is just around the corner. Marc had completely forgotten about it, so it was lucky that he was there when they were discussing it. It’s March already. The first few months of the year have flown by! He had almost forgotten about this special day that Sophie loves so much. Would she ever have forgiven him if there were no pretzels for breakfast on this traditional day? Definitely not! He knows Sophie well enough to know that pretzels are no laughing matter! Marc is planning to surprise her, by trying to make home-made pretzels, but things do not quite go as planned...

Sophie is so happy! Her new colleague Audrey, with whom she is going to work on various projects, is really nice. They only met a few days ago, and yet it is as though they have known each other for 10 years.

New job opportunities can equal new challenges, moving abroad being only one of them. Sophie and Marc met Shauna while visiting the USA and they have stayed in contact ever since. Now that Shauna has been offered a job in Luxembourg, she is happy to call upon Sophie’s and Marc’s help.

We all have had situations like these: you leave the house in the morning, your thoughts are all over the place. The baby didn’t sleep all night, the dog kept waking you up, or the neighbours kept partying until late in the night. But when the alarm goes off at 6 a.m., life goes on: and it happens! You forget your wallet. What now?

Over time, Marc has amassed a small amount of money in his savings account. With how interest rates have been developing over the past years, this means that his savings are currently mostly catching dust. This is one of the reasons, why he has been tempted to invest part of it: to get movement into some of his savings.

“Aruba, Jamaica, oh I want to take ya, Bermuda, Bahama, come on pretty mama…” Ok, so Sophie and Marc aren’t off to the Jamaica the Beach Boys were singing about, but they’re still going on holiday! There’s nothing like a little city trip with Luxair to get the most from summer, to soak up the sunshine and to savour some delicious local dishes while recharging your batteries.

Ever since Sophie got pregnant, Marc has started cooking larger meals for his darling, and for himself as well. As a result, it's hard to tell which one of them is going to deliver the baby! To avoid any confusion in the maternity ward, Marc is getting into shape with the help of an activity tracker unlike any other.

Isn’t love wonderful! We fall in love and enter into a civil partnership but what happens if one of the partners dies? Here’s all you need to know!

Dear readers, Sophie and Marc have reached an important milestone: our favourite couple are expecting a baby! Becoming parents brings with it a lot of joy, but also new challenges and compromises. The first one is finding the right car!

It's the end of the month: Sophie and her friends are meeting for a cocktail at their favourite bar. Expenses come up in conversation and everyone wonders where their money went! Outings, pizza nights, Netflix membership, etc. NOT ONLY can we tell you where your money went, we can help you better manage it in the future.

Now that Sophie and Marc are civil partners, they decided to open a joint current account in order to tackle everyday expenses. Note, everyday expenses relate to water and electricity bills as well as to the shopping trips to fill the fridge. Even though, each couple has to find their own definition!

One fine summer day, Sophie and Marc met in the hallway of the company they worked in. Their eyes met and very quickly, their friendship turned into love... Today, the young couple decided to take it to the next level by registering a civil union. However, what are the actual benefits of the civil union?

Next year, Sophie and Marc are planning to go on holiday to Japan. This will be quite an expensive trip, and the young couple will have to plan their expenses properly and start putting money aside quickly. Thankfully, MIA is there to help them reach their goal more easily!

Sophie's niece Emma is too old now for the traditional Easter egg hunt. Instead, she prefers reading her anatomy books because one day, she wants to be a doctor! This year, the Easter bunny will be bringing her chocolate but also another, extra special gift to help her realise her big dream.

This is the year that Marc has decided to boost his savings! Along with Sophie, he has already put together a BHW housing savings scheme for their future house construction project. Saving is good, of course, but Marc would also like to invest money to see it grow! Now, he is not rolling in money and the sum that he wants to invest does not gain him access to private banking.