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Personal Finance

articles about personal finance and investing.

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...
For a young person in their 20s, fresh out of university with a new job, what do with extra money is the last thing they are thinking of. Retirement is years away, and plus first jobs rarely pay much. However, thinking about what to do with extra money is...
Many people don’t like their corporate jobs and want to do something for themselves. Many other people complain that they are being underpaid for the amount of work they do. Joining another big corporate is an option, but it may not solve the underlying issues. The work may still...
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...
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...
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...
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...
Due diligence questions on alternative investments Due diligence is critical, crucial and never ending. When it comes to evaluating an alternative investment your own research to understand how the risks affect you is paramount. This is a list of questions to start you off in your investigations. First Questions Is this investment too good...
It is hard to know what you want to do in life. Most students people graduate from university and have a plethora of options that await. This is especially true for those that study non-professional degree and business disciplines. A business major could get a job at an oil...
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...
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...
The first step towards financial freedom is organizing your finances and setting up a budget. Fortunately there are plenty of applications that can work with your financial accounts to help you keep track of where your money is going. These apps can help you set up a budget, track your...
Americans are more satisfied than ever about their personal finances, according to a quarterly report by the American Institute of CPAs (AICPA).  The institute’s Personal Financial Satisfaction index reached an all-time high of 40.2 in the fourth-quarter of 2019, after plummeting to a record low in the prior quarter.  Personal Finance...
Financial education is about listening to both traditional and alternative views on economics, money and investing. Differing views can either challenge or strengthen your current understanding of the how money works. The internet is a collection of thoughts and ideas, all competing for your eyeballs and brain time. The creators...
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...
Investing your money and becoming financially independent begins with one simple step: saving money.  With a little bit of discipline and planning, you can easily save money on a daily basis. There’s no need to wait for your next paycheck or bonus. With these simple tips, you will be well...
To work from home is a goal many people have set as part of their 2020 resolutions. When asked to choose, millennials are known for leaning towards getting more time to themselves than money, which is why remote jobs are increasing at a rapid pace.   Deciding on how to begin...
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...
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...
Do you have a savings account, but you don't want to invest it in the stock market? There's another way you can make your money work for you, called a high-yield savings account. A high-yield savings account is a bank account that earns you a higher interest rate than a...
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