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Work On One Change at a Time

March 5th, 2008 — Financial Education, Lending Club, Series, System, area, changing, clarified, coffee, hunch, momentum, pastries from Andre Nosalsky @ Better Rates. Together.

Continuing with our look at financial systems, the next step, after you have clarified and identified where your money is going, is to find the area that needs the most work. This does not have to be an area where you are losing money or getting in debt, but an area that you can see [...]

Clarifying Your Financial System

March 3rd, 2008 — Financial Education, Lending Club, Series, System, blackberry, emotional, facts, flowing, prolonged, sustain, write from Andre Nosalsky @ Better Rates. Together.

In an earlier post in this series, I made the point that personal finance can be viewed as a system, with money flowing into our system and money flowing out. Many times, the money leaving our system exceeds the money coming into our system. That’s called living on credit. Usually a financial system cannot sustain [...]

Reacting Versus Responding to Money

February 22nd, 2008 — Financial Education, Lending Club, Series, financially, forced, prepare, prepared, reacting, reaction, response, wrong from Andre Nosalsky @ Better Rates. Together.

One of the big benefits of thinking of your financial life as a system is that you will respond instead of reacting to everything that happens to you financially. What is the difference? It can mean a lot to you financially.
A reaction is an action based on [...]

What’s Part of Every Financial System? – Part Two

February 18th, 2008 — Financial Education, Lending Club, Series, asset, assetallocwizard, assets, brings, liabilities, liability, liquid, rental from Andre Nosalsky @ Better Rates. Together.

One way to think of assets and liabilities is as vehicles or containers. They are either positive or negative. The positives are the assets, where you can build them up and they will bring more money into your life, while the negatives, which are the liabilities, require you to pay them and thus they are [...]

What’s Part of Every Financial System? – Part One

February 5th, 2008 — Financial Education, Lending Club, Series, generating, inflow, liabilities, limited, ongoing, outflow, outflows, processes from Andre Nosalsky @ Better Rates. Together.

In my first post, we determined that your financial life is in fact a system. Maybe a system in disarray, but we’ll look at that in the future. For now, let’s look at what makes up an “average” financial system. Here is what I’m assuming as a backdrop to this discussion: generating income of around [...]

How to Manage the Complexities of Finance

January 26th, 2008 — Financial Education, Lending Club, Series, System, elements, forming, interacting, interrelated, manage, overwhelmed, responsibilities from Andre Nosalsky @ Better Rates. Together.

When we were children, our responsibilities were nonexistent. The only thing that concerned us was when our next meal was and how much play time we could get away with before our parents made us do homework or go to bed.
Now, as adults, everything is different. We hold all of the responsibilities, and for [...]

The Money Marathon – Support Will Carry You Through

December 28th, 2007 — Financial Education, Groups, Lending Club, Series, coaches, marathon, marathoners, professionals, sharing, support, training from Andre Nosalsky @ Better Rates. Together.

There are support programs for everything in life. They are there for a reason, and the reason is that it is much easier to accomplish something when somebody is there with you who has gone through it, understands what you are going through and wants to you to pull through it and win.
In sports, [...]

The Money Marathon – Compete Against Yourself Only

December 27th, 2007 — Financial Education, Lending Club, Series, compete, competing, competition, investments_x, krantz, marathon, personalfinancebudgeting, scored from Andre Nosalsky @ Better Rates. Together.

In any competition, there are always ways to measure competitors. You could look at the time it takes them to finish, the distance they compete in, and the level of difficulty, just to name a few. The world’s best athletes set their first priority as competing against themselves and trying to better what they scored [...]

The Money Marathon – Make it Automatic

December 21st, 2007 — Financial Education, Lending Club, Series, automatic, clothes, emergency, forgot, marathon, throw, training, transfers from Andre Nosalsky @ Better Rates. Together.

When I first started exercising on a regular basis, there were many things that could throw me off of my training routine. It could be that the weather was wrong, or I forgot my clothes, or my friend canceled or a number of other reasons.
Then one day I decided to sit down and [...]

The Money Marathon – Have a Fun Fund

December 12th, 2007 — Financial Education, Lending Club, Series, craigslist, desire, fund, marathon, redirect, reenergize, train, training from Andre Nosalsky @ Better Rates. Together.

Continuing with our Money Marathon series, today we’ll go over something that is more fun instead of more work.
When training for a race, it is essential to maintain at least 100% desire to go out there and train. One of the experts once said that if you ever feel yourself falling below this threshold [...]

The Money Marathon – Zero-Based Thinking

December 11th, 2007 — Financial Education, Lending Club, Series, activities, brian, definite, knowing, marathon, question, tracy, training from Andre Nosalsky @ Better Rates. Together.

I learned this technique from Brian Tracy. It applies to a lot of decisions that we have made in the past and it’s especially applicable to your Money Marathon. Zero-based thinking is not about changing your mind after you have made a decision that you’re having some second thoughts about. It’s about learning from [...]

The Money Marathon – Short-Term Focus

December 10th, 2007 — Financial Education, Lending Club, Series, binary, breaking, daily, focus, marathon, steps, training, unit from Andre Nosalsky @ Better Rates. Together.

In order to achieve any big goal, such as running a marathon, or winning at your Money Marathon, the actions have to be broken down into small steps – the smaller the steps the better. Breaking the goal down into daily action items is better than having weekly or monthly steps.
When I was training for [...]

The Money Marathon: Where Do I Want To Be?

December 5th, 2007 — Financial Education, Lending Club, Series, bigger, casual, dedicate, marathon, progressive, race, runs, ultra from Andre Nosalsky @ Better Rates. Together.

Once you have figured out where you are starting from and what resources you have to work with, the next step is to figure out where you want to be. In real running races, you would pick your next race to be a stretch from what you have done before, and have bigger goals for [...]

The Money Marathon: Where Am I Now?

December 4th, 2007 — Financial Education, Lending Club, Series, exhausting, goals, marathon, meter, overly, physical, racing, wise from Andre Nosalsky @ Better Rates. Together.

In my previous article, I talked about defining and setting goals when undertaking your Money Marathon. Another key aspect of preparing for your Money Marathon involves understanding your starting point.
When getting ready to train for a marathon it is wise advice to visit your doctor for a checkup and receive an assessment from a [...]

Defining and Goal Setting

December 3rd, 2007 — Financial Education, Lending Club, Series, goal, marathon, marathons, mastered, overload, pick, stick, training from Andre Nosalsky @ Better Rates. Together.

Listening to the radio and watching TV reports on the stock market, we often hear market and business reports. This news has become more of an entertainment than actual meaningful information. It can be mind-boggling to listen to everything that is going on in the financial world. Sometimes this overwhelming feeling sets in because of [...]

Money Marathon: Personal Finance is a Marathon

November 30th, 2007 — Financial Education, Lending Club, Series, competing, defining, marathon, race, rough, tough, training, wins from Andre Nosalsky @ Better Rates. Together.

Recently I was planning my training schedule for a big race that is coming up in six months, and it occurred to me that personal finance is similar to a marathon race. We at Lending Club believe that there are many money lessons that can be learned from a marathon. I have put together some [...]

The difference between cheap and frugal, revisited

November 28th, 2007 — Financial Education, Frugal, Lending Club, Series, agrees, cheap, difference, inherently, nutshell, quality, trent from Maneesh Sethi @ Better Rates. Together.

In a very recent article, I talked about the difference between being cheap vs. being frugal. I defined the difference between the two as follows.

• Being cheap - You are unwilling to spend money on anything. Even stuff you need. You go out of your way to save money, even when it might not be a [...]

Cheap vs. Frugal - How to determine which one you are

November 23rd, 2007 — Financial Education, Frugal, Lending Club, Series, book, buying, cheap, difference, quality, spent, wallet from Maneesh Sethi @ Better Rates. Together.

In my last article, I wrote about the difference between being cheap and being frugal. Here is how I defined the two.

• Being cheap - You are unwilling to spend money on anything. Even stuff you need. You go out of your way to save money, even when it might not be a great idea.

• Being [...]

The difference between being cheap and being frugal

November 19th, 2007 — Financial Education, Frugal, Lending Club, Series, bottle, cheap, cutting, ketchup, packets, squeezing, wisebread from Maneesh Sethi @ Better Rates. Together.

Are you cheap or frugal? Although everyone has different definitions for these words, here is how I use them:

• Being cheap - You are unwilling to spend money on anything. Even stuff you need. You go out of your way to save money, even when it might not be a great idea.

• Being frugal - You [...]

6 More Tips for Holiday Spending

November 13th, 2007 — Financial Education, Lending Club, Series, bargainshoppingtips, gift, giving, holiday, insure, kids, recipients, store from Andre Nosalsky @ Better Rates. Together.

Here are six more tips to insure that your Holiday spending doesn’t break the bank. The first six tips can be found here.
1. Watch the small expenses – When setting a budget for Holiday spending, make sure to include small expenses, such as postage, shipping, wrapping paper, greetings cards, etc.
2. Avoid spending [...]

College Concern, Part 2

October 12th, 2007 — Financial Education, Lending Club, Series, beneficiary, college, gains, options, parents, plans, qualified, unused from Mike Smith @ Better Rates. Together.

In part 1 of this topic, I discussed a recent survey that showed how parents were either saving for college in the wrong way or planning to finance college through long-term debt. In this post, I go into greater detail about 529 College Savings Plans, which have significant tax advantages for many people saving for [...]

College Concern, Part 1

October 11th, 2007 — 529s, Financial Education, Lending Club, Series, advantageous, child, children’s, college, mutual, parents, saved from Mike Smith @ Better Rates. Together.

At a time when a college education is becoming more and more of a necessity for finding a good job, the cost of that education continues to rise. This is cause for concern in many households as parents struggle for ways to afford college. We recently mentioned a study which suggests that many parents are [...]

How do I invest if I don’t have much extra money?

September 6th, 2007 — Financial Education, Lending Club, Series, automatic, compound, fund, hands, invest, minimums, open, pretty from Maneesh Sethi @ Lending Club

Being in college, it is sometimes really hard to have enough money to live, let alone extra money to invest! However, because of interest rates, it is obviously in your best interest to start investing now. Most of us don’t have consistent salaries while we’re in college, so how do we consistently invest money?
The answer [...]

International Travel Tips Regarding Money, Part 2

September 6th, 2007 — Financial Education, Lending Club, Series, currency, exchange, foreign, international, scams, tips, travel, travelers from Mike Smith @ Lending Club

In part 1 of this post, I discussed some money-related tips for planning international travel. This second installment has some suggestions for what to do once you get there.
Use Your ATM to Get Money
There are many options for getting money in a foreign currency. My preferred method is using an ATM machine. ATM machines tend [...]

How to open up an IRA

September 5th, 2007 — Financial Education, Lending Club, Series, beginners, brokers, cake, choose, fool, iras, open, piece from Maneesh Sethi @ Lending Club

A few days ago, I wrote about the different types of IRAs, and I recommended that everyone open up an IRA and try to fund it the best they can. How do you open up an IRA? Piece of cake. It’s a 3-step process that doesn’t take as much time as you think.
#1 - Choose [...]

International Travel Tips Regarding Money, Part 1

September 5th, 2007 — Airlines, Financial Education, Lending Club, Series, abroad, airline, digits, fares, midnight, travel, trip from Mike Smith @ Lending Club

Having lived, worked, and traveled abroad, I’ve had many experiences dealing with money internationally. Below are some of the lessons that I’ve learned in my travels. While the majority of my travel has been throughout Europe, these tips are likely to apply to most foreign destinations.
The time of day, day of the week, and number [...]

Lending Club Borrowers Praise Low Rates, Responsible Credit

August 25th, 2007 — CEO announcements, Series, atlanta, austin, pacific, relax, remarks, sharad, syracuse, weekend from Renaud Laplanche @ Lending Club

Lending Club Members Speak Out Series
We continue to receive many comments from our members. This weekend, we would like to share a few more comments from Lending Club borrowers, who often focus their remarks on Lending Club’s better interest rates, convenience, and more responsible approach to credit.
“It was very easy and straightforward, and [...]

Lending Club borrowers enjoy easy application, low interest rates

August 5th, 2007 — CEO announcements, Series, aspects, comments, deposited, ease, experience, publishing, “what from Renaud Laplanche @ Lending Club

Lending Club Members Speak Out Series
We have been receiving a fair number of comments from lenders and borrowers since June 6. This weekend we would like to share a few comments we received from borrowers. Their feedback tends to focus on two aspects of the Lending Club experience: ease of use and low rates. [...]

Budgeting 101: Creating a budget

July 28th, 2007 — Financial Education, Lending Club, Series, brother, budget, cool, empty, entertainment, envelope, follow, goals from Maneesh Sethi @ Lending Club

For someone my age, I’m really lucky – I have a lot of extra cash because of the jobs that I’ve had. However, one thing that I haven’t been using is a budget. With no budget, it’s really easy to go out and spend money…but what do you say when the credit card bill comes [...]

The Importance of Credit – Part 5: Why you need a credit card

July 13th, 2007 — Lending Club, Series, asked, checks, college, golden, length, phenomenally, student, students from Maneesh Sethi @ Lending Club

I was talking to my girlfriend a few days ago and asked her what type of credit card she was using. She looked over and said “I don’t have one.” Aghast, I slowly turned my head towards her with a look of surprise and asked, “Why not?” Her reply: “Because I don’t need one.” [...]

P2P Lending 102: Loan Pricing Basics

July 10th, 2007 — Financial Education, Lending Club, Series, adequate, adjustment, competitive, conclusion, method, premium, pricing, risky from Cesar Magnaye @ Lending Club

It’s safe to say that we all want our money to earn the highest possible interest rate in the P2P marketplace. How do we know when an interest rate is not right for us or when it is too good for our own good? Is there a framework that can help us answer this question?
Since [...]

The Importance of Credit – Part 4: How to fix bad credit

July 9th, 2007 — Financial Education, Lending Club, Series, bankruptcy, begin, counselors, deep, habits, impossible, open, slowly from Maneesh Sethi @ Lending Club

In part 3, we talked about how to maintain good credit. Here, in part 4, we will talk about how to fix your credit if it’s in bad shape.
It’s a lot easier to keep good credit than to improve your credit, but what do you do if your credit is bad? A 2005 Nellie Mae [...]

Tech Series 2: Determining the Optimal Mix of Loan Grades in LendingMatch™ Portfolio Recommendation

July 7th, 2007 — Lending Club, Scale, Series, Tech Series, aggressive, conservative, intend, invited, lendingmatch™, lingering from Joaquin Delgado @ Lending Club

In this second edition of our technical series I will try to answer some of the questions lingering from the previous posting as I explain further how we generate portfolio recommendations.
When using LendingMatch™, lenders are invited to input the amount they intend to lend and the level of risk they are willing to take on [...]

The Importance of Credit – Part 3: How to maintain good credit

July 6th, 2007 — Financial Education, Lending Club, Series, check, jamba, juice, parents, remove from Maneesh Sethi @ Lending Club

In part 2, we talked about what credit is. Here, in part 3, we will talk about how to maintain good credit.
Keeping up your credit is very important, but how do you do it? If you are still in college, you are likely in a great place. You probably don’t have very much debt outside [...]

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