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Self Employment

Credit 101

Imagine life without credit. It would drastically change how we spend money.

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For startups, venture capital can provide a vital

For startups, venture capital can provide a vital source of cash to fund a company’s growth. For well-heeled investors, it can provide a chance to earn huge returns and get in on the ground floor of something exciting. But VC isn’t just for financier types—plenty of celebrities are active VC investors, too, including Oprah Winfrey, Ashton Kutcher, and Gwyneth Paltrow.

Many of the world’s best-known and most successful companies got off the ground thanks to VC funding, including Facebook, Amazon, and Alibaba. Learn more about this often-hyped corner of the world of finance by swiping up in today's stories! Or click the link in our bio to learn more fast finance facts in 30 seconds or less.

According to the 28/36 rule, you should limit what

According to the 28/36 rule, you should limit what you spend on housing to no more than 28% of your gross income (i.e., your pay before deductions for taxes), and all of your debt payments to no more than 36% of your gross income.

Lenders may use the rule when deciding whether or not to approve a loan request (like if you’re applying for a mortgage). Although the rule is often cited as a guideline for managing your own finances, don’t take it to mean that you *should* spend that much on housing or debt.

Because when it comes to expenses—less is almost always better. 💰

Is this rule something you personally practice? Let us know below!

Ever hear that some startup is “valued at” som

Ever hear that some startup is “valued at” some amount of money?

When it comes to private companies (i.e., ones that don’t trade in the stock market), coming up with a dollar-figure valuation can be more art than science. In fact, with startups and other early stage companies, those numbers you read about in the press are often based on negotiations between the company and its investors (not rigorous numbers crunching).

Learn more about how investors go about valuing companies at the link in our bio, or swipe up in today's stories!

With extra whip. #newyearsorder

With extra whip. #newyearsorder

With the latest boom in Bitcoin, let's talk more a

With the latest boom in Bitcoin, let's talk more about this curious Cryptocurrency.

Unlike traditional paper money, Bitcoin only exists online and isn’t controlled by any government, country, or bank. It’s exchanged peer-to-peer, and digital encryption is used to control security and the creation of new units of currency.

There are three ways to acquire Bitcoin:
1. Purchase—You can buy Bitcoin with another currency, such as dollars, just like you can trade dollars for euros or other traditional currencies.
2. Receive—You can trade goods or services for Bitcoin.
3. Mine—You can become a Bitcoin miner, which is someone who devotes a large amount of computing power to solving complex math problems and gets rewarded in Bitcoin.

Some people own Bitcoin mainly as an investment in the hope it will keep climbing higher and higher in price over time. Other people use it to make actual day-to-day purchases. But before you open up a digital wallet, there are some trade-offs to consider.

Do you use Bitcoin? Swipe up in today's stories to learn more.

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