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In effect, paying off debt is the same as investing at 12–30%.

Daily Reckoning  |  Jim Rickards

Americans in their 40s and 50s are devoting more of their discretionary income to paying off debt rather than savings or investments for retirement. Economically, this makes good sense.

Paying down debt is the same as investing; you’re giving up one asset (cash) in exchange for eliminating one liability (the debt) with no change in your net worth. The interest expense you save is, in effect, your return on an “investment” in debt reduction. Read the rest of this entry »


Perhaps more concerning is the idea that people think minimalism will help them financially.

Why Minimalism Will Never Make You Rich
Written by Robert Kiyosaki | Tuesday, January 22, 2019

Seems like everyone is talking about KonMari these days. For those of you who don’t know about this, KonMari is a minimalist method invented by Marie Kondo for getting rid of clutter in your house.

As described on her website, “The KonMari Method™ encourages tidying by category – not by location – beginning with clothes, then moving on to books, papers, komono (miscellaneous items), and, finally, sentimental items. Keep only those things that speak to the heart, and discard items that no longer spark joy. Thank them for their service – then let them go.”

Rondo gained fame through her book, “The Life-Changing Magic of Tidying Up,” but her latest show on Netflix, “Tidying Up With Marie Kondo,” has really pushed her into the cultural conversation.

Minimalists rise up Read the rest of this entry »


The act, known as cryptojacking, has grown in popularity because it is hard to detect, reasonably passive and lucrative.

NBCNews  |  Jasmine Boyse


Hackers are quietly hijacking personal computers, company servers, cable routers, mobile devices and other forms of computing power to stealthily mine cryptocurrencies — a problem that cybersecurity experts warn is growing rapidly.

The act, known as crypto-jacking, has grown in popularity because it is hard to detect and reasonably passive, unlike other hacks such as Ransomware, which can encrypt files or lock users out of systems until money is paid.

“It’s sneaky,” said Raj Samani, a chief scientist at the cybersecurity firm McAfee. Read the rest of this entry »


The subprime mortgage crisis was precipitated by lenders offering no-down payment loans with short-term “teaser” rates as low as zero.

CNBC  |  Diana Olick

See the source image

Borrowers can have low credit scores, but have to go through an education session about the program and submit all necessary documents, from income statements to phone bills.

They must go through counseling to understand their monthly budget and ensure they can afford the mortgage payment. Read the rest of this entry »


U.S. consumer debt rose in July more than forecast as non-revolving credit grew by the most since November and credit-card debt outstanding rebounded.

Image: Consumer Credit Rises $16.6B, Exceeds Estimates on Broad Demand

NewsMaxFinance  |  Bloomberg News

Highlights of Consumer Credit (July)

  • Total credit climbed $16.6b (est. up $14b) from a downwardly revised $8.5b gain the prior month (prev. $10.2b), the Fed announced.
  • Non-revolving debt outstanding rose $15.4b m/m after $9.6b gain
  • Revolving credit outstanding rose $1.3b m/m, after falling $1.2b

Key Takeaways Read the rest of this entry »


The attack went unnoticed by Equifax for more than six weeks.


NewsMaxFinance  |  Associated Press

A new report by congressional investigators details how hackers broke into Equifax last year in a breach that exposed the financial information of more than 145 million Americans.

The lawmakers who requested the report say they will press the Trump administration on the lack of enforcement actions against the giant credit-reporting agency.

Shares of Equifax plunged by about one-third last year after news broke about the massive breach. Since then, the stock has recovered to about $10 below its peak before all the bad news and closed Friday at $135.91 a share. The company has reported a profit of $236 million this year, and second-quarter profit was down just 12 percent from the same period last year despite the breach.

Here is what you need to know about the breach and events since then: Read the rest of this entry »


It’s dropped more than 11 percent since the start of the month.

Image: Bitcoin Bulls Are Sweating Latest Test of Key Resistance Level

NewsMaxFinance  |  Bloomberg

Bitcoin’s recent stumble could turn into a full-blown tailspin, testing its strong support level of $6,000 again, according to a leading technical indicator.

The biggest cryptocurrency has bounced off the $6,000 mark four times since February, and a break below that price could signal further capitulation. Read the rest of this entry »


Most vulnerable… Stocks, Catastrophe Bonds, and Mortgage Backed-Securities

Image: Hurricane Could Pound Insurance Stocks, ETFs, Mortgage-Backed Bonds

NewsMaxFinance  |  Bloomberg News

The path of Hurricane Florence’s potential destruction runs right through markets from stocks to mortgage-backed securities.

The Category 4 storm — which is forcing more than 1 million people to flee to safety and could wreak as much as $27 billion in damages in the states of North Carolina and South Carolina — has already struck insurance stocks and funds holding catastrophe bonds as investors try to front run the possible disaster. Read the rest of this entry »