Let’s look at the best alternative to peer-to-peer lending. P2P lending ranks last in my best passive income rankings. Therefore, it’s best to look for better investments. Since first writing about my plans to invest more in P2P through LendingClub.com, I’ve been having a difficult time mobilizing a sizable amount of assets to make a […]
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Zero coupon municipal bonds are a type of low-risk investment you should consider for the low-risk portion of your net worth. I’ve personally built a decent municipal bond portfolio to help generate more tax-efficient passive income. Interest rates are still relatively high post pandemic, hence, investing in municipal bonds is still appealing. If you buy
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I don’t have a financial advisor, but I do have a Citigold wealth manager assigned to me for an after-tax investment account. You get one of those after you cross a certain asset threshold. In my case, $250,000. This self-managed account was seeded by my severance check in June 2012 and it has grown quite handsomely since due to
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Trump’s middle class tax hike affected millions of Americans. This article was written to help prepare for Trump’s middle class tax hike. Now that Trump is no longer President doesn’t mean his middle class tax hike isn’t here. The Tax Cut And Jobs Act Lasts until 2025. With Joe Biden as President, taxes shouldn’t go
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In a rising interest rate environment, you need a mortgage pay down strategy. With high inflation, mortgage rates and the Fed Funds rate have been rising. Therefore, you need a good game plan if you have mortgage debt. Below is a case study on how to think about paying down your mortgage when mortgage rates
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Tuition hike for students is like a tax hike for the rich. Eventually, everybody wants to get their money. ben if you are a student or a lower-income person. In a stunning move to shore up a $535 million budget gap, the UC Regents in 2009 voted to raise student undergraduate tuition by 32 percent (to
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The following is a guest post by Holly, a freelancer writer and blogger I’ve known for over five years. I’ve seen her grow her side-hustle, ClubThrifty.com from a tiny site to one that has allowed her and her husband, Greg to quit their day jobs. Freelance writing is the easiest way to get started making money
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Everybody needs to borrow money some time. Peer-to-peer lending is a good alternative if you don’t want to pay usurious rates from loan sharks, if you’ve been denied a loan by your local bank or credit union, or if you are just too embarrassed to ask someone you know for help. From $1,000 for an
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Most people dream about getting rich. Yet, many of those people aren’t willing to put in the work. Are you too proud to be rich? I hope not! Let me share with you some great insights I learned from a visit I had to Uber’s corporate office in San Francisco years ago. I, along with
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As an investor, you need to adopt a Yin Yang Investor Mindset. In other words, always recognize that whenever one asset class is booming, another asset class may be suffering. If you feel like you missed the boat with one investment, just know there’s another boat somewhere in the world waiting. My investment mindset as a retiree
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