According to a 2017 CareerBuilder survey, 78% of all workers say they live paycheck to paycheck. It’s not just low-wage workers who have this problem, either. Nearly 1 out of 10 workers making $100,000 or more say they always or usually live paycheck to paycheck, and 59% of them are in debt. Living paycheck to
Lending Club bills itself as the world’s most popular peer-to-peer (P2P) lending network. As a classic example of the emerging sharing economy, the platform connects thousands of individual and business borrowers with regular people willing to fund their loans. In doing so, it eliminates the need for borrowers to approach traditional banks and credit unions –
Marcus by Goldman Sachs® is a fixed-rate, no-fee, unsecured personal loan provider positioned as a straightforward and potentially lower-cost alternative to credit cards. Its biggest selling point bears repeating: Loans from Marcus by Goldman Sachs® never carry fees, ever. You can borrow up to $40,000 in a single loan from Marcus by Goldman Sachs®, much higher than credit
How’s your appetite for a major home improvement project? What if that project could build equity, significantly boost your property’s value, and generate income? Most home improvement initiatives can’t do that. In fact, the list of home improvement projects that decrease resale value and drain homeowners’ personal savings is far too long. Accessory dwelling unit
“Working ever-longer hours to bring in more cash might make your life more comfortable, but it isn’t going to make you happy,” writes Charlie Sorrel in a provocatively titled Fast Company article, “Science Says You Should Quit Your Demanding, High-Paying Job.” Is Sorrel right? The study he cites certainly suggests so. In it, authors Ashley
Update: Effective January 1st, 2024, Mint is no longer available. Intuit encourages Mint users to open a free Credit Karma account to access some of the financial tools previously offered by Mint. How do you manage your personal budget? Perhaps you’re a fan of old-fashioned envelope budgeting. Maybe you use computer spreadsheets to track your income and
The differences between the sexes can be a pretty touchy subject. Whenever you talk in general terms about men and women, you must pick your words carefully so you don’t sound like you’re promoting sexist stereotypes. Sometimes it seems safer to ignore the whole idea and stick to talking about “people,” as if men and
In 2017, more than 676,500 American homes went into foreclosure, according to Attom Data Solutions. That’s roughly 1 out of every 200 homes in the country. This is better than the peak rate in 2010 when more than 2 out of every 100 homes were in foreclosure, but it still represents hundreds of thousands of people being
Debt is a common fact of life in America today. According to a 2015 report from the Pew Charitable Trusts, roughly eight out of ten Americans have debts, with an average of $67,900 per person. The report also found that Americans feel conflicted about their debt. Nearly 70% of respondents said they would rather not
Since 1985, the Certified Financial Planner Board of Standards, Inc., has issued the CERTIFIED FINANCIAL PLANNER™ designation to those who have met the educational and experiential requirements and passed the rigorous board exam. This certification is now known all over the world as the definitive professional credential for financial planners and advisors. Why Become a CFP®
The Lopez family was excited about finally getting to remodel their kitchen, something they’d been wanting to do for over a year. However, their excitement transformed into anxiety when their contractor told them the bills for the project would come to around $20,000. They knew they could charge it all on their credit card, but the
Which would you rather be: a multimillionaire whose friends and neighbors are all billionaires, or a worker making $10 an hour in a neighborhood where most people are scraping by on minimum wage? Speaking strictly in dollar terms, you’d have to say the first person is better off. But there’s a good chance the second
