Over the centuries, America has bestowed generous, state-sponsored privileges upon select classes of its citizens. Veterans and old people get free socialized healthcare—and, for the most part, they love it.
We’re excited to share a list of Y Combinator’s top companies. The top 100 YC companies are listed by valuation (including the top 12 exits), as of October 16, 2018. We put this list together to help people get to know some of the fastest growing alumni in the YC community.
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WASHINGTON — The Treasury Department outlined new rules on Friday stemming from the $1.5 trillion tax overhaul last year that are aimed at giving investors confidence to pour billions of dollars into distressed economic areas across the United States.
Get the DealBook newsletter to make sense of major business and policy headlines — and the power-brokers who shape them. __________ China’s gummed-up credit system is threatening economic growth and officials may have little choice but to let unregulated lenders step in.
Get the DealBook newsletter to make sense of major business and policy headlines — and the power-brokers who shape them. More people sitting around watching Netflix may help rekindle some animal spirits in the stock market.
SAN FRANCISCO — Pairing artificial intelligence and the blockchain might be what you would expect from a scammer looking to make a quick buck in 2018. The two concepts, after all, are two of the most buzzed about and least understood ideas in the tech universe.
Read enough financial advice and you can start to get the sense that any mistake or flaw in your financial life is catastrophic. In fact the opposite is true. Not only is it okay to be imperfect, but you can turn even the worst disaster around.
If you go looking for financial advice, you’ll find tons of it. Heck, we’ve even got our own blog devoted to it. However, if you’re looking to make a change to your financial life, you probably already know where to start.
On the surface, personal finance seems to be primarily about money: getting rich and optimizing your investments and so on. It’s definitely about all of that stuff, but in a larger, more important way, it has nothing to do with money at all.
Meb Faber asked a bunch of us bloggers to give him our top 3-5 most read blog posts of the year. I looked back at my trusty Google Analytics for the first time in a while and discovered that two of my top three in terms of readership were personal finance-related posts.
We’re all victims in the race to gain more status. Society pressures us to have a bigger house, a nicer car, and more toys. If your rush to gain status starts with buying stuff, however, you might want to rethink your strategy.
The snowball method is the best way to pay down your debt. If you’re skeptical and want to see how it will work, this spreadsheet will calculate exactly how long it will take to be debt free. It makes logical sense to pay off your highest interest rate debts first. Yet research shows that…
It’s not too hard to build a basic budget, and a few tips and tricks can help you make it really solid. But even a good budget can go awry. There are a handful of mistakes that throw people off, but the good news is: these mistakes are easy enough to fix.
Not everyone has a financial adviser, and not everyone has the time to read a personal finance book. Luckily, there's the internet.
Today my four-week challenge is over, and I’m excited to tell you that (in my opinion) the project has been a huge success. Not only did the “startup” make money (not thousands, but a respectable amount given my constraints), but I also learned a whole new facet of selling online.
If you’re trying to get your finances straight and you’re completely intimidated with the work ahead, take it one step at a time. Commit to just fifteen minutes of financial literacy a day.
Each Monday we’re tackling one of your pressing personal finance questions by asking a handful of money experts for their advice. If you have a general question or money concern, or just want to talk about something PeFi-related, leave it in the comments or email me at alicia.adamczyk@lifehacker.
Money management isn’t easy, but we do our best to break it down for you. Here are some of our best personal finance guides, primers, and explainers of 2016. Spend less than you earn, save your money, and—poof!—your financial problems are solved. If only it were this easy.
The most basic money skills aren’t all that complicated, even if we make it so. To prove the point, Napkin Finance fits the basics into the space of a small napkin.
When you start getting your finances in order, it’s exciting. You see the basic concepts and rules of personal finance in action, and, after a while, they start to pay off. This makes it easy to become a personal finance devotee. But even the best financial advice can become counterproductive.
When you’re drowning in debt, managing your personal finances probably seems downright impossible. You read all these headlines about investing and financial independence and you just want to give up, because you’re so far from that.
The older you get, the more complicated it seems that your finances become. If you’re feeling overwhelmed, take it one step at a time by answering these ten questions about your finances.
A while back, I was asked to give an hourlong presentation where I talked about my key principles of personal finance. I chose to give a presentation where each slide was available for about a minute with one simple rule on each slide, giving me a minute to discuss that rule.
The start of the year is a great time to review and revamp our financial plans, including common resolutions like "save more money" or "pay down debt." Here are some ways to develop better money habits for all year round. True savings happen when we deviate from our habits.
People always seem have questions about their financial priorities: Should I invest or pay off debt? Save in my work 401(k) or open an IRA? This cheat sheet will tell you. It helps you visualize your financial priorities in the most basic terms.
Most successful tech startups raise their first capital from friends and family investors. The startup funding sources are illustrated here. Friends and Family financings are always the easiest to complete - often taking less than two months from start to finish.
You don’t have to learn everything about money at once, but a course can teach you a lot of useful information at a reasonable pace. Especially if you never learned personal finance to begin with, a course will help you get up to speed on the basics.
Warren Buffett is a hugely successful investor, and his tips for investing are surprisingly accessible. Most of his methods are simple, straightforward and timeless. Here's some of Buffett's best money advice. Buffett warns against excessive borrowing.
Every time you go through the day and wind up behind, you tell yourself “Tomorrow will be better.” Then you go to sleep with no idea how you’re going to accomplish that. If you want to break the cycle, start on tomorrow today.
When you’re in debt or living paycheck to paycheck, it’s hard to be interested in personal finance.
Knowing how to make money doesn’t mean you know how to save it, as is evidenced by a startling statistic reported on by Polly Mosendz at Bloomberg: According to a new survey of 7,052 people by the financial-services site GoBankingRates, nearly half of people earning between $100,000 and $149,999
I remember when I got my first credit card. I felt like a real adult. I was just so excited to get this shiny, small square of money that would let me buy anything I wanted. That is until I realized that I didn’t actually know how to use it (beyond swiping it when checking out, of course).
Amid record amounts of capital raised by VCs worldwide, and a sharp rise in the number of private “unicorns” valued at $1 billion-plus, there has been a quiet, barely noticed implosion in early-stage VC activity worldwide. The chart below is dramatic, and accurate.
Last week a received a call from a reporter from VICE named Allie Conti, who is setting out on a journey to learn about managing money. Like many of her fellow Millennials, Ms. Conti doesn't have much experience with the markets, investing or even general personal finance:
If the very idea of financial planning makes you break out in hives, you’re not alone.
Most people cringe to see the words “money” and “happiness” in the same sentence, and rightfully so. Money doesn’t equal happiness. You can, however, use money in a way that satisfies your own values. To find those values, it helps to consider your happiest moments.
When anxious young couples ask whether they are doing enough to secure their finances, my answer is standard: By the time you are 40, you will be surprised how well you are doing. There is something about turning 40.
Many people don’t invest because it seems overly complicated. But if you want to build wealth, investing now is the easiest way to do so—and anyone can do it. Here are some basic steps to set up a simple, beginner investment portfolio that will make you money while you sleep.
You spend more time with your own failures than anyone else on Earth. Eventually, you might internalize them and come to fear failure. However, for everyone else, they barely know your failures even exist. In high school, our hockey coach was a demigod.
This is it. This is the final letter in Personal Finance Series! *gasp*
When it comes to making financial progress, we can all agree that saving for the future is a critical part of the equation. But how much are you supposed to be socking away exactly? This post originally appeared on LearnVest.
In Investors and their incentives, I tried to give a broad breakdown of the incentives that drive the major types of startup investors. I want to dig deeper into a behavior that VCs sometimes exhibit which seems strange from the point of view of founders.
At the start of 2016 Google announced that it had discovered the secret ingredients for the perfect team.
If you have credit card debt, you probably already know paying it off is the best thing you can do for your personal finances. What you may not understand is that it's the best possible financial return on your money, even taking savings into account. Here's why.
Anyone who’s improved their money skills will tell you: it’s not about the rules. Okay, the rules are important, but they’re not nearly as important as your habits and behavior.
If you’re having a hard time deciding which stuff in your basement you should get rid of, ask yourself, “Would I buy this again today?” If you wouldn’t, it might be time to get rid of it.
Are you vowing to get ahead financially in 2017 but not exactly sure how? Some expert advice can help. The key, though, is to get information you can trust. GOBankingRates asked 17 of the most well-known names in personal finance and entrepreneurship to share their No. 1 money tip for the year.
We talk a lot about personal finance. And while there are always new ways of thinking about your budget, you can always quickly identify the rules that matter most: they're the ones that don't change. There's a fundamental flaw with lots of financial advice: it assumes you have money.
Since we tend to decide that it’s rude to talk about money with other people, it can be hard to figure out how to go from being broke to financially stable. This spreadsheet can help you explore the difference.
Money isn’t as complicated as it seems, but when your finances are out of control, managing money does indeed seem overwhelming. To get started, here’s the first thing you should do, according to one financial planner.
The grid’s main purpose is to show long it will take you to retire given various changes in your income and spending levels.
When we need suggestions or advice, we typically lean on those around us for tips. However, when it comes to personal finance, this strategy can backfire for one simple reason: most people you know aren't finance experts.
It takes commitment and time, but you can learn to manage your money even when there's not much of it. Follow these steps to set up a budget if you're broke. We've discussed how to create a basic, real-world budget, but that advice often doesn't apply when you're struggling to make ends meet.
Survey results show that as their role expands to include ever more nonfinancial demands, CFOs know they must build new skills to lead.
Personal finance is like nutrition: It seems like the experts in this arena can’t agree on anything, whether it’s setting up an emergency fund or paying off your mortgage early. Despite all the contrasting opinions, though, most people agree on at least five basic fundamentals.
When the tech bubble burst around the turn of the millennium, it proved we had a lot more to learn about the digital economy. With many entrepreneurial workers unemployed, many learned how to become entrepreneurs online. This brought the advent of the personal finance blogger.
Much of the financial industry was built around the needs and demands of people already in it. But the recession, if anything, was a wake-up call to investors and insiders alike that such a system is vulnerable. The majority of U.S.
When we talk about financial independence, we often emphasize how important passive income is. Passive income makes money for you without effort. However, it can actually be worth more, dollar for dollar.
We've talked about the virtues of having an emergency fund. However, as finance blog The Simple Dollar highlights, money in an emergency fund is money that's not in your investment portfolio. So, how much should you keep in it?
The specifics of managing your finances can be complex, but the basic principles of good financial health are simple. Above all else, put your future money towards saving rather than spending.
Money management can be intimidating, but the first step to facing your financial anxiety is coming to terms with your own financial picture. If you’re not sure where to start, spend just one minute each day looking at your finances.
When you see a few dishes in the sink, you don’t stress over it because it’s not critical. You can get it later. When you come back in a couple days, the sink is overflowing. Now it’s a drain on your energy to do a basic task. Next time, kill the beast while it’s still a babe.
Personal finance is simple, but it isn’t easy. Our greedy brains try to fight us every step of the way—which is why automating your finances is such a great way to save money. Ramit Sethi, author of I Will Teach You To Be Rich, puts everything you need to know in one simple graphic.
Last month we made the case for why Millennials could become the next Greatest Generation of personal finance. According to the Strauss-Howe generational cycle theory, members of Generation Y parallel and share traits with the young people who came of age during the Great Depression.
At first, it seems kind of weird that a financial planner should urge you to “just spend the money,” but that’s what I like about author and Certified Financial Planner Carl Richards. He reminds us that money isn’t some vague goal you should work toward. It’s just a tool.
How you manage, spend, and invest your money can have a profound impact on your life, yet very few schools teach these important skills. Learning financial savvy can take a while, but the basics are fairly simple and never change. Here’s where to get started.
We've featured a lot of tips from The Simple Dollar's Trent Hamm—from buying in bulkand earning money online to managing a career hiatusand overcoming decision fatigue. Here, he shares his ten most important pieces of financial advice. This post originally appeared on The Simple Dollar.
If your finances suck, you’ve probably picked up a book or two on how to manage your money. You’ve probably read, and even tried, to put the advice into practice. But the most important money skill isn’t one you’ll find in a book.
One afternoon in October 2009, a former banking executive named Aaron Siegel waited impatiently in the master bedroom of a house in Buffalo that served as his office.
When you’re trying to get your finances together, there’s usually a question of trade-off. Do I pay off debt or save for an emergency? Do I save for retirement or a home down payment? Fidelity’s 50/15/5 rule addresses the most important financial goals by allocating your paycheck accordingly.
Goldman Sachs has been particularly active in the last 2 years, backing 4 unique companies applying AI in financial technology. Deals and dollars to startups using AI algorithms reached record levels in 2016.
Money issues can be tough to tackle. You feel like you have limited control over your finances, and that can be hugely discouraging. So we want to know—how do you stay motivated with your financial goals? Experts recommend different tips for making your goals easier to swallow.
American economist Hyman Minsky, who died in 1996, grew up during the Great Depression, an event which shaped his views and set him on a crusade to explain how it happened and how a repeat could be prevented, writes Duncan Weldon.
Spend less than you earn is the golden rule of personal finance. It's incredibly simple, but it's not easy. Your brain likes to get in the way by tricking you to go against what you know to be true. Here's how your brain sabotages your finances, and how you can overcome those tendencies.
While I love writing and talking about all of the benefits of financial independence and financial progress, I’ll be the first to admit that the path is difficult. Although the ideas behind personal finance are easy, actually putting them into practice is incredibly hard.
Managing your money and budgeting can be a daunting task, even if you're a spreadsheet ninja. Corralling accounts, watching your money move, and keeping track of everything can be tough, but there are personal finance tools that make the job much easier.
Living off dividends is the dream for many investors. If you have enough saved and properly invested, you can take home a comfortable salary without working at all. This calculator will help estimate how much you’ll need to accomplish this goal.
1. Don't get a salary. A salary will never make you money. 2. Don't invest any of your money. Investing is for wealth preservation, not wealth creation, so first you have to make wealth.
One of the most interesting things I’ve found over the years of writing about personal finance, charting my own financial progress and changes, and talking with countless readers is that personal finance is a lot like an onion. An onion? Yep, it’s all about layers.
Financial advice isn't an exact science, so it's hard to really sift through the cruft and know what you should do with your money—especially if you've never had enough money to make an actual budget.
Meb Faber asked a bunch of us bloggers to give him our top 3-5 most-read blog posts of the year. I looked back at my trusty Google Analytics for the first time in a while and discovered that two of my top three in terms of readership were personal-finance-related posts (this one and this one).
Many marketers work overtime to confuse us about money. They take advantage of our misunderstanding of the time value of money, of our aversion to reading the fine print, of our childish need for instant gratification and most of all, our conflicted emotional connection to money.
Only recently has it become possible to fully automate your expenses. However, finance blog I Heart Budgets proposes taking this idea a step further: by automating all of your finances, you can effectively live "money free." The concept is so simple it almost doesn't feel like it's possible.
As you approach adulthood and start to think about your future, are you ready to be financially responsible for yourself? If you answered yes, congratulations—you’re ahead of the game! But if you answered no, don’t worry—there’s still plenty of time to set yourself up for success.
With the stock market constantly rising and falling, it’s hard to predict what kind of luck you’ll have when you retire and how much you should be saving so you don’t run out of money. One financial expert, however, has found the magic retirement savings rates for most people.
If you've ever paid money for something and then found out others have gotten the same thing for free, you've probably kicked yourself. We want to know: what items do people typically spend money on without realizing they can get them for free? Here's an example.
AP/John Minchillo Maybe you haven't quite hit the six-figure salary bracket just yet but you've got a retirement plan and set up a brokerage account.
Do you have excellent credit? If so, banks are actively looking to win you as a new credit card customer by offering some unprecedented deals.
Here at Mr. Money Mustache, we talk about all sorts of fancy stuff like investment fundamentals, lifestyle changes that save money, entrepreneurial ideas that help you make money, and philosophy that allows you to make these changes a positive thing instead of a sacrifice.