Home Personal Finance

Personal Finance

articles about personal finance and investing.

Life isn’t fair when it comes to money. Some people have a ton of cash while others struggle to just scrape through every month. When every other brand is trying to sell something to us, the urge to spend our way to social acceptance keeps going north every passing day....
Agriculture investments, provide an opportunity to invest in food production. SWOT Analysis Strengths: Food is a key component of human life, in the next decades there will be more human life, and we will need more food. According to the Savills report,  Two billion people means we need to increase our output by...
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...
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...
When people talk of income, either from providing services, selling products, or their investments, they rarely think of the different income types. When we think of the different types of income, it's quite common for one to get confused. First, there are two types of income, disposable and discretionary income....
It’s tax season in the U.S., and the IRS wants to know if you sold or bought any cryptocurrencies in 2019.  For the first time, the IRS will ask if “At any time during 2019, did you receive, sell, send, exchange or otherwise acquire any financial interest in any virtual...
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...
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...
Debt consolidation is refinancing your old credits, where a lender merges multiple credits into one loan and repays off the old debts. You will end up with one loan with new terms from one lender only. While debt consolidation has its advantages, like allowing you to have lower interest and...
If there was an award for ‘Most Unlikely Article Title of the Year’ this one would have few competitors beyond Government Decides to Cancel Taxes! Yet early retirement, or even very early retirement, is a real possibility for those who adhere to the ways of FIRE - and you don’t...
If you are lucky enough to have a job amid this pandemic, there is a likelihood that you are still with the work from home (WFH) measures many companies are still practicing. One of the secrets to success when working from home is investing in a comfy and relaxing...
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...
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...
While having a mortgage allows you to build equity, the long repayment term can be draining. When the opportunity arises, many borrowers reconsider refinancing their mortgage loans. Refinancing sometimes comes with better loan terms, especially if you’ve serviced your mortgage loan for several years. However, refinancing doesn’t always work in...
Whenever an investing conversation occurs, your portfolio manager or financial advisor will probably mention the words “risk profile.” Even in companies, investors are always talking about the risk profile of the companies they are interested in. So, what is a risk profile? What’s a Risk Profile A risk profile is an...
It is no secret that the Covid-19 pandemic has disrupted every aspect of our lives, leading to the loss of jobs and businesses' closure. One silver linings are how people have discovered the need to be self-employed or build multiple revenue streams. Many people have started businesses with all...
You are sitting at your desk at your office working normally when suddenly you are asked to a meeting with human resources. Uh oh. You go to the meeting and are informed that you will be made redundant. You are escorted back to your desk and asked to take...
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...
It’s time to stress test your personal finances! With the current ongoing pandemic and economies taking a toll since the last recession, now is the right time to confirm where you stand. Financially speaking, that is. Stress testing is not a new practice. Banks and financial institutions embraced this practice...
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...
Stay up to date on crypto news

Join our newsletter!

Twice a week, all the latest news about startups, fintech, and more.