A Wintry Emergency Fund Anecdote
We had a chilly experience in winter 2020. But thankfully, our emergency fund helped eliminate any stress from an otherwise bleak scenario.
We had a chilly experience in winter 2020. But thankfully, our emergency fund helped eliminate any stress from an otherwise bleak scenario.
My Lending Club returns have continued to improve since I started adding loans for people with lower credit scores, but good jobs and income – and higher probability of paying off their loans. Details of what I’m doing here.
The post Lending Club Update: Returns Slowly Increasing As Higher Risk Loans Added appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.
Interest rates take cues from several places. Regularly scheduled economic data is always a consideration because a stronger economy implies more growth and tighter Fed policy, both of which are bad for rates. Certain reports carry significantly more weight than others. If put to a vote, the perennial top dog would be The Employment Situation (aka “the jobs report”). Over the years it is responsible for more volume and volatility in rates than any other data. The most recent installment came out this morning and it was a doozy. The headline number of the jobs report is a tally of new job creation reported by employers: nonfarm payrolls (NFP). That’s just a fancy name for “jobs.” Today’s data reported the new jobs added in January, and there were quite a bit more than expected. NFP can be fairly volatile. It’s not uncommon to see the number deviate from forecasts by more than 100k a few times a year. Those big deviations usually result in big reactions in rates. Forecasts called for just shy of 200k jobs. Today’s actual NFP number came in at a staggering 517k, thus edging out March 2022 to stand as the biggest deviation since August 2021. To some extent, the massive gains may be attributed to a seasonal adjustment process that still struggles to understand new seasonal patterns that emerged after the pandemic. But even if we forego seasonal adjustments, the economy added more than 400k jobs per month on average over the past 12 months and the employment rate has fallen to the lowest level since the 1960s.
With over 58 million streams during its first 28 days on Netflix, itâs safe to say that Emily In Paris has something truly compelling to offer. Call me crazy but I think the enviable apartments, exquisite landmarks, and beauty shots of Paris in the summertime might have a little something to do with it! Whether itâs your […]
The post Tracking Down Emily Cooperâs Apartment and All the Other Swoon-Worthy Parisian Locations From ‘Emily In Paris’ appeared first on Fancy Pants Homes.
It should be a lot more than just selling you investments.
Recently, I decided to start a new series where I interview people who are doing extraordinary things with their lives. First up was JP Livingston, who retired with a net worth over $2,000,000 at the age of 28. Today’s interview is about Sami and Dallas, who started their debt free journey in January of 2016, […]
The post How We Paid Off $195,000 in Debt in 18 Months! appeared first on Making Sense Of Cents.
In times of turmoil, it helps to understand what’s next. Hold on to long-term optimism, but face the present reality one day at a time.
Many people are asking, “How can such established companies grow or shrink by so much, so quickly? Surely this is a sign of manipulation!”