How To Truly Earn Passive Income From Lending ClubI thoroughly like investing in Lending Club and peer-to-peer lending where I can earn a higher rate of return than many other investing options and definitely higher than a savings account or money market fund.

I have been investing with Lending Club for almost four years now, and it has truly been a great experience that I would highly recommend to others who are looking for a greater rate of return on their investments than others.

Lending Club is a great way to earn a passive income that will supplement and diversify your investments. It is easy to earn passive income from Lending Club.

Lending Club Makes A Great Diversified Investment

One of the greatest advantages of Lending Club and peer-to-peer lending is that it allows you to be incredibly diversified in your investments. You have the option of investing in risky loans as well as a host of safe loans earning a good rate of return from people who have good credit scores, have been employed by the current employer for decades, have a mortgage, and even people who have not been delinquent on loan payments in the past two years.

Additionally, by only having to invest a minimum of $25 in a single loan, you share only a very minor portion of the risk. There are a group of investors who pool their money together in each loan. Some investors risk more money, but quite a few like me only invest $25 at a time in any one loan. This significantly reduces your risk of default by spreading your money around to many loans throughout the Peer to Peer lending investing portal. [click to continue…]

Open a Lending Club IRA and boost your retirement


Is the Stock Market Gambling?Is the stock market gambling? Should people consider trading in the stock market to be a form of gambling? The answers to these questions are an unequivocal – No! Investing in the stock market is not gambling, and novice investors should not think of it in that way.

Equating the stock market to gambling is a myth that people on the internet and television pundits have perpetuated for years. And, it’s simply not true.

While investing and gambling have a few similar characteristics, they are very much different. And, if an investor does not take trading stocks or buying shares of mutual funds seriously and equates it to gambling, they are in serious jeopardy of losing money or missing out on gains from the stock market that they need for retirement.

Why Stock Trading Is Not Gambling

Stock Is Ownership

Investors must remember that they are purchasing ownership in a company when they buy shares of common stock. Investors own a very small portion of the company. That’s why I love buying cans of Dr. Pepper. It feels like more money is ultimately going back into my pocket with every sip.

Buying shares of a company is the equivalent to having a claim on the assets, debts, and more importantly a small fraction of the profits of the company whose shares you buy. Far too often, investors look at buying shares of a company simply as trading stocks. They forget that they are now owners of the company too.

To gain an advantage and earn a profit on your stock trading, investors must try to gauge the company and its profitability. Incorrectly gauging profitability in the short and, more importantly, over the long term is why stock prices fluctuate on the stock exchanges. The profit outlook for business is always changing, and investors are using stock charts, news, rumors, company metrics, and fundamental analysis to estimate the future earnings of a company and subsequently the value of its stock in the future. [click to continue…]

Open a Lending Club IRA and boost your retirement


Could Your Personal Finances Affect Your Job?

Bad credit can affect you getting a job – can your bad credit and personal finances affect your job search? The answer may surprise you when applying for a job. A recent survey of 35-54 year olds published by the National Financial Education Council found that over 25% of respondents were subjected to a financial background check […]

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Geopolitical Risk In Your Investment Portfolio – Investing in a President Trump World

The following is a guest post by Lars Kroijer, who used to run a hedge fund in London and wrote the book, “Investing Demystified: How to Invest Without Speculation and Sleepless Nights“. If you’d like to guest post on Money Q&A, check out the site’s guest posting guidelines. With President Donald Trump making headlines on […]

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4 Myths About Robo Advisors That Are Hindering Your Investment Strategy

If you currently rely solely on a self-managed investment account or a pricey investment broker to manage your money, there are several advantages to trying out a robo-advising investment platform that you might not have considered. Companies like Betterment and Wealthfront are increasingly popular for small and big time investors alike looking for robo advisors. Their […]

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How to Start Investing Even When You’re Almost Broke

If you’re living paycheck-to-paycheck, long-term savings and investment strategies aren’t exactly a priority. After all, you need to make sure you can afford basic human necessities like the roof over your head, utilities, and food, not to mention life necessities like car insurance and cell phone plans. Once everything is accounted for, what little is […]

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