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Everyone has heard the term “Pay Yourself First” when it comes to saving money, but many have a hard time understanding how this concept actually works. The thing is, virtually everyone is already practicing this strategy but it’s being done in an indirect way. As such, they never realized they were experts at “Paying Yourself […]

Debt like inflation appears hell-bent on an upward trajectory. At the time of writing, the US national debt was hovering around $21.147 trillion, with no relief in sight. The US has an insatiable appetite for expenditure, as evidenced by the Buy Now Pay Later mentality of Western society. Our future-oriented payment regimen makes sense given […]

Most people are considering refinancing their mortgage before the final mortgage term ends. That is understandable because all people want to finish their mortgage payments as soon as possible and without any problems. One good thing about refinancing is that it gives you benefit of getting low interest rates. Some people consider refinancing because it […]

Life is complicated enough, so RateSetter aims to make investing as simple and easy as possible. This means that investors simply choose: how much to invest, from £10 upwards the level of access required, from easy access to longer term investments. Find out more about access here.   RateSetter takes care of assessing loan applicants, matching investments […]

Unlike savings, which are largely covered by the Financial Services Compensation Scheme, investments carry risk.  In return for this risk, people can access better returns. Peer-to-peer lending is an investment in which you lend money to borrowers via a specialist online platform. RateSetter is one of the most established platforms in this sector, having lent […]

Peer-to-peer lending platforms allow investors to lend money directly to borrowers, cutting out the banks. A bank’s primary purpose is to keep people’s savings safe, but this comes at a cost in the form of very low returns.  In contrast, the purpose of peer-to-peer lenders is to help investors access healthy returns, which does not […]

Over the past years, foreign exchange or Forex market became increasingly popular and one of the largest financial markets on a global scale. Forex market is attractive to different levels of traders because it is accessible, and a plethora of educational materials are available. So, you are not getting into a total unknown world. As […]

Almost every modern business relies on providing services and products in exchange for money. It is the method of income generation that keeps the business going. Many businesses rely on receiving cash payments from their customers at the time of service delivery. Take restaurants, barber shops or your local retail store, for instance. These businesses […]

Mergers and acquisitions are one growth strategy leading brands adopt to stay ahead in their industry – but how do they come about, and what impact do they have? Let’s look at some high-profile mergers across different industries.   In supermarkets: Sainsbury’s and Asda The proposed merger between UK supermarkets Asda and Sainsbury’s has recently […]

Malta has recently gained a reputation as the ‘Blockchain Island’, as the major cryptocurrency exchanges are inbound for relocation. The Malta Blockchain Summit has now raised the bar by inviting one of the ‘Founding Fathers’ of blockchain, W. Scott Stornetta Ph.D., to the November show, expected to become one of the largest blockchain and DLT […]