Losing a job is never easy to get over. However, it can help to know that you have the cushion of unemployment for financial relief. After all, just because you’re no longer employed doesn’t mean the bills are going to stop coming in or your needs will suddenly stop. Unemployment benefits give you an opportunity to handle the bare necessities while you try and find another job.

So, what do you do when your unemployment runs out? Unfortunately, the benefits don’t last forever. While the period of time you’ll have the benefits will vary by the state you’re applying in, the term is not usually longer than a year. If you haven’t found gainful employment by then, what can be done to keep a roof over your head, clothes on your back, and food in your stomach?

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How to Start Investing in Peer-to-Peer Loans

by Amy Boyington on July 19, 2017

Peer-to-peer lending

Before the days of peer-to-peer lending, consumers and small business owners had to consult their banks or financial institutions for loans. But, the lending world has changed and evolved to allow people to cut out the middle man and go straight to the source for a personal or business loan. Peer-to-peer loans aren’t only beneficial to the person getting the loan; they’re also beneficial for investors looking to add something new to their portfolios.

How Does Peer-to-Peer Lending Work?

Peer-to-peer lending, also known as P2P lending or crowdfunding, is a way of financing loans for personal or business use that doesn’t involve a financial institution. Instead of a bank financing the loan, investors finance P2P loans. A single P2P loan may come from one investor who backs the full loan amount, or from several investors who finance it with smaller notes to minimize the possible risk of a borrower not paying back the loan.

Typically, P2P loans go through a marketplace that matches borrowers and lenders, like Lending Club and Prosper. Through a P2P marketplace, an investor can view the profiles of potential borrowers and decide whether to help fund their loans based on a grading system that determines risk.

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How Will Brexit Impact on the Hospitality Sector?

by Sean Bryant on July 18, 2017

While Brexit has impacted the British economy and financial markets in numerous ways, most economists have chartered it through the fluctuating value of the pound. After months of sustained devaluation and ever-decreasing trading ranges, the currency is set for further decline and poised to fall lower against both the U.S. Dollar (USD) and the Euro (EUR) during the next three months.

This is not the only consequence of Brexit, however, especially now that Article 50 has been officially triggered by Prime Minister Theresa May. In fact, Brexit will continue to take its toll across numerous industries and marketplaces, while its impact becomes more pronounced before the negotiations between Downing Street and Brussels begin in earnest.

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Simple Tips to Reduce Clutter in Your Home

by Marty Basher on July 7, 2017

decluttering your home

We don’t always realize how significant our clutter is until it fully takes over our life. It’s truly frustrating to feel like your home is caving in on you, things are lost, and you’re stressed from trying to manage it. At this point we finally realize the amount of stuff we’ve accrued and how disorganized our home really is. There are two main types of clutter, the typical clutter that covers countertops and fills closets and drawers, and the organized clutter, neatly stored but filling every orifice of your home and you have no idea what you really have. Either way your home is cluttered and making organization and clean up more difficult. The good news is with some hard work and determination, you can declutter your home and keep it that way.

Before you start the decluttering process, it’s important to shift your focus on living more simplyRemind yourself often that life is so much more than the material items you collect. Many times we buy stuff to fill a void or for instant happiness. But the void is not filled and that burst of happiness passes quickly. The more we collect stuff, the more space we need to store the stuff and the more attention it takes away from the important things, whether that’s family, friends or a hobby. A cluttered life full of stuff is actually very stressful.

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How to Make Chase Blueprint Work for You

by Sean Bryant on July 5, 2017

Chase Blueprint

Credit cards have gotten a bad reputation. The truth is that when used responsibly, your credit cards can be a really useful financial tool. If you’re a newer credit card user or have a history of abusing your credit card, Chase has a solution. Chase customers have access to a set of features through the Chase Blueprint program that can make building healthy credit card habits almost effortless.

What is Chase Blueprint?

Blueprint is a free personal finance planner that helps Chase credit card users manage their balances and save money. If you’re not at a point where you can pay off your balance in full each month, Chase Blueprint can help you lower your interest payments. It allows you to manage your spending and borrowing in the way that works best for you. It’s perfect for anyone looking for a convenient and intuitive budgeting tool.

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Are Meal Delivery Kits Really Worth It?

July 3, 2017

When I first tried Blue Apron, I have to admit that it was only to see what all the hype was about. I had been living on my own for a while and I thought I had mastered the art of cooking for one. But after the first shipment, I was hooked. There’s so many […]

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7 Thoughtful Gifts a Real Person Can Afford

June 30, 2017

Your best friend’s birthday always sneaks up on you at the worst possible time. Like the same week that you have a big presentation at work, your car is out of commission with something you don’t understand and costs way too much, and you were somehow guilt-tripped into picking up the tab at your last […]

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