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Investing for Arborists, Part III - Lending Club

I learned about peer lending relatively early on in my financial life, as I was looking for ways to hedge against having only one type of investment as well as earn the best possible returns on those investments. Eventually I came across Lending Club and after a fair amount of testing the waters, I now have a substantial portion of my investments held in notes from the platform (more on the terminology briefly). At its simplest, peer lending is a way for individual investors to lend money to individual borrowers with a minimal amount of effort and dealings with middle-men. As an investor, you're given the opportunity to select from thousands of loan applications to partially fund based on basic information supplied by the borrower, such as loan purpose and credit history. Tens or hundreds of other lenders do the same thing, and eventually the loan is funded and all investors receive interest over its lifetime of either 3 or 5 years. Executed properly, peer lending can be an excellent addition to any investment portfolio.

Investing for Arborists, Part II - Betterment

When I first started looking at traditional brokerages, I was disappointed by the fee structures that most of them carried and overwhelmed by the large variety of choices that I was left to analyze and choose from. As a beginner to the world of investing, I wanted something simple and straightforward to get started with, and the fact that I couldn't find such an offering early on led me to delay my entry into investing for several months. That changed when I found Betterment. Betterment is the first service I signed up for on my mission toward financial independence. It's a low-fee, low-complexity brokerage account that's well-suited for beginners and just customizable enough to be a long-term account. If you're looking for an account to get you started, Betterment may be a good option.


Investing for Arborists, Part I - The Basics

When I first started working, nothing scared me more with respect to money than the notion of putting it into investment accounts. Mind you, this was around the time that the market started going nuts, and my inexperienced young financial muscles weren't as well-developed as they are now (and I still have plenty of room to improve!). I still didn't understand that emotions have no rightful place in personal finance, and that the current trends of the market aren't usually the important thing to pay attention to. Looking back, I'm disappointed by an obvious opportunity lost (more on this in Patience is Your Ally) by deciding not to invest early on in my career, but since regrets serve no purpose I'd rather help others not make the same mistakes. In this article, we'll go into the basics of investing, and in some subsequent ones I'll provide some basic information about specific low-cost services you can use to make investments in some traditional and not-so-traditional vehicles.


Patience is Your Ally

Last time I posted, I wrote about how luxury is an enemy to aspiring Arborists. Today I'd like to focus on one of the many positive influences you can cultivate in your financial life: patience. Patience is the foundation for some of the most effective money management strategies in existence, and there's nothing stopping each and every person from leveraging it to sustain and grow their money tree. I'm going to focus mainly on patience as it relates to investing for the purposes of this article - see The Simmer System for a different perspective of how patience can help you stay out of the poor house.

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