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articles about personal finance and investing.

We all expect and accept that Artificial Intelligence will play an important role in the global economy of the future. But are we ready to entrust robots with our investments? Well, there is a good chance that you already do to some extent, as more and more investment operations...
It’s tempting to bury your head in the sand when it comes to debt. But, as we all know, those credit card bills are only going one way and the banks aren’t going to forget about the loans you are struggling to repay. While most of us will worry...
You’ve got the job, you’re managing to make the rent each month (if you’ve escaped the nest) and you’re starting to look to the future. Perhaps you are finding, for the first time, that you have some spare money each month after the bills have been paid and are...
The idea of having an emergency fund is advocated by financial experts who think that having a financial floor is incredibly favorable to cover unexpected situations and emergencies. Now, is there a chance that you are over-saving for an emergency fund? In fact, there is. If you center too much...
Death is the absence of time, a dark nothingness that is infinite and impossible to fill. If there is life after death it is more than welcome. Personally, I do not need the promise of heaven in order to be a good person and citizen. As nothing is guaranteed in...
So you have 1,000  Euros or 1,000 Dollars in your bank account and your fingertips are itching to do something with them. You know that the value of these 1,000 will diminish because of inflation and if you do not use them wisely in the short term - they...
Is financial independence worth pursuing? What is the cost of financial independence? Life is a zero-sum game because we have limited time. We can only do so much in the 15 hours we remain awake every day. This has to be subdivided between learning, the day job, family, and why not...
Financial Skills Toolbox A toolbox is a dangerous place, it contains hammers, saws and nails. If used eloquently they can build your financial fortress. On the other hand, if those using them do not have the experience or the patience to learn how to use them, they can cause unintentional...
Financial independence is a thought process, it is a reflection of the neural connections within the subconscious and how they manifest themselves within the conscious. Thoughts are seeded from other throughs which grow into a decision that have the ripple effects of financial bloom or financial withering. The structure of decisions...
Earn it and spend it because you only live once, this is the YOLO lifestyle. FI seekers earn it then invest it building their way to financial freedom. This delays gratification, but gives greater freedom later on. Those who are successful in their FI journey will so win control over...
Financial independence is the foundation of an early retirement. Building financial independence is all about making the most out of what you have and dealing with any setbacks as best you can. To do this one needs to think before acting. To reflect on the various options and decide...
Most of us have to sell our time for money. For those who feel that this is an invisible prison, financial independence (FI) shatters these invisible walls. The journey to FI is decades long, hard and difficult, but the end goal of a more fulfilling life make the pursuit...
Step 1: Prepare yourself mentally and emotionally for your Financial Independence (FI) journey. FI is not achieved in a day or a week, it is a multi-year process, an ultra marathon. FI will test your commitment and resilience. Body, Mind and Soul need to be committed to the success...
What Is Financial Independence and How Do You Achieve It? Financial = money = acquiring what is needed Independence = not being dependent = freedom Why do you need money? Two things. To buy what you need. Secondly, If you sell your time for money, to take back control of your...
How to become rich? A checklist About the Self: Be passionate and alive. Meditate Know your issues/weaknesses. Have strategies to deal with them. How do you deal with Fear and Greed? Leverage your strengths. Learn from the mistakes of others rather than your own. Check in with your state of...
Increasing your financial wealth can be easy if you do it the right way. Treat money as your enemy, and it will show you no respect in return. But treat it as your friend, and it will be your greatest ally. The money you have at this moment, whether it...
Not all p2p lenders are created the same. Each p2p lender has a different profile; investors need to find the right match between a p2p lender and their financial needs. How do investors select the right p2p lenders? This is a question I cannot answer for you, but I...
When investing investors put their capital at risk. This risk changes according to events in the world. In particular, p2p investing is still a relatively new industry and thus is subject to more changes. Regulators, p2p lending platforms, borrowers, investors, loan demand, borrower choice and interest rates are agents...
What is peer to peer lending? P2P lending is a system of direct loans between a borrower and a lender. These direct loans are managed through a peer to peer lending company which has a platform in the form of a  website to administer this process. There are many p2p...
Peer to peer lending is a system in which borrowers and lenders connect directly to lend money to each other. The internet has become a matchmaker between borrowers and investors or lenders who would like to co-invest in such loans with other investors. Co-investing taps into the power of...
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