What is Lending Club? And Does It work?

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What is Lending Club? And Does It work?

Lending Club makes use of crowdsourcing to provide a low-cost borrowing solution than traditional loan programs. Savings on to the borrowers comes in the form of lower rates. Investors can also make potentially solid returns as well with on online crowdfunding platform.

Borrowers who borrow from Lending Club typically are used to consolidate debt or to pay off a high rate of interest credit card debt. Business owners are able to borrow capital for their business as I did for my Hawaii carpet cleaning business.

Borrowers can save an average of about 35 percent on their interest rates.

While Lending Club provides its borrowers with excellent rates Read More

Categories: Modern Investing

What’s The Difference Between Stock Trading And Investing?

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There are lots of terminologies/jargons in the world of investing. Most of it is completely straightforward but some depend on the idea of how you will sell and buy stocks. While there are several schools of thoughts, there are 2 very broad categories in this world: the investors and traders.

Stock Trading

Stock trading is the act of buying and selling stocks frequently, especially when the trader believes that there’s a short-term benefit/advantage to do so. The short-term benefit/advantage is very important. Your goal as a stock trader is to earn money fast. What the underlying companies do or sell aren’t as important as you believe that price per share is incorrect and will soon be corrected to trader’s advantage.

Stock Trading

Investing Read More

What is Value Investing Part 2

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What Is Value Investing Part 1

There are two major kinds of investing: growth investing and value investing. Growth investing is the idea to select stocks that you believe to grow through time, and thus, have a higher stock price. When the price arises because of growth, you are making more money. Value investing is different. You will still look for stocks with a higher cost in the future in order to make money, but not because of growth. Value investors believe that several stocks are priced above or below its true value. If you believe that a stock sells for 10 dollars every share is actually work 15 dollars every share, you are also believing that it will eventually rise up to 15 dollars. You should purchase it before it arises to 15 dollars, and when it reaches that, you can make money.

Should I use value investing? Read More