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      "body": "This is a one-time notice about a free service on steem.\nThere are communities that help support the little guy 😊, you might like ours, we join forces with lots of other small accounts to help each other grow! \nFinally a good curation trail that helps its users achieve rapid growth, its fun on a bun! check it out. https://plu.sh/altlan",
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      "title": "How to Buy Bitcoin on LocalBitcoins: A Step-by-Step Guide",
      "body": "LocalBitcoins remains one of the best peer-to-peer bitcoin trading sites, and here's how it works.\n\n![image.png](https://cdn.steemitimages.com/DQmTQDSbXJzfMtGjMwxEg9y3M3EnmiEQRvaPVdSovjFapgC/image.png)\n\nPeer-to-peer (P2P) marketplaces are ideal for buying bitcoin without a centralized or decentralized exchange. Exchanges require some technical knowledge to operate, but P2P marketplaces simplify things.\n\nIf that sounds good, it's time to check out the step-by-step process for buying bitcoin on LocalBitcoins, one of the world's top P2P crypto marketplaces.\n\n# 1) Set Up a LocalBitcoins Account and Get Verified\n\nCentralized exchanges also offer platforms for P2P trading of bitcoin, and you can check how to buy bitcoin using Binance P2P if you prefer that. However, just like on Binance, the first step towards buying bitcoin on LocalBitcoins is to set up an account.\nCongratulations if you already have one—you can proceed to the next step. Otherwise, follow the steps below to create a LocalBitcoins account.\nVisit LocalBitcoins. It is important that you visit the correct website, as phishing attacks abound these days. Note that all the screenshots in this guide carry the address bar so you can see it clearly.\n![image.png](https://cdn.steemitimages.com/DQmVrjaAxzRghKwEFrHhSFp6agxaHY5SdDzwWVcvcUGDjBD/image.png)\n2) Click Signup in the top-right corner or scroll to the bottom and click on the blue Create account button if you are an individual and not a company. This guide is focused on individual users.\n![image.png](https://cdn.steemitimages.com/DQmTr1MFg3UrrqcsWCZmyiMTBRXcgTx9TMahdk8BfVCSJwh/image.png)\n3) Provide the required details, namely a username, an email address, and a password. As a rule, your password should be easy to remember but difficult for anyone else to guess. It is important that you use a functional email address as you'll be required to verify it later.\n![image.png](https://cdn.steemitimages.com/DQmc4ssCnxmCakQ9sNGwY7HyiZqMyF2DcmP6M9dJmPkRNjP/image.png)\n4) If your password is created correctly according to the instructions, proceed and check the little box below to agree with the LocalBitcoins terms of service and privacy policy. After that, check the I am Human box right under to prove you're human. Then, check all the boxes that apply in the dropdown, and click the Verify button at the bottom.\n5) Once you click Verify, the Continue button will glow. Select it and move to the next step. On the next page, the first verification page, you'll get a popup asking if you wish to save your password. Again, this is entirely up to you.\n6) The system will send an email immediately to your registered email address. Go to your mailbox and click on the link in the email to verify that you own it. This is the first verification.\n7) Once you click the link, you'll be taken back to the confirmation page and see that your email is confirmed. Click the Continue button to proceed. As shown on the page, you'll need to provide profile information, verify your phone number, provide information about your occupation and PEP, what type of activity you wish to engage in on the platform, and provide ID Verification, and you are done.\n\n![image.png](https://cdn.steemitimages.com/DQmRh6ubBidt3kYg23DNQepyjRfndWU9PShpnNFJqTvbKDk/image.png)\n\n# 2. Search for Offers\nAfter you complete the required verification, the next thing is to search for available offers. To buy bitcoin, you'll need to search for offers (unless you proceed to create ads as a merchant). Immediately after you log in, you'll be taken to the Search Offers page by default.\n1) Enter the specs of your trade, including the currency and the payment method you wish to use, and then click Search For Offers.\n2) All available offers that suit your search will be displayed.\n![image.png](https://cdn.steemitimages.com/DQmdaNRcRzWF6GnBrWmjJKHX55me1Y46TzAnW65q3DkKcgq/image.png)\n3) You can then go through the available offers, select a seller whose terms you are comfortable with, and click on the Buy button to the far right of the ad. Usually, those with the best offers in terms of price are on top, so the first offer you see is the cheapest, and you may take it if you accept the seller's terms.\n![image.png](https://cdn.steemitimages.com/DQmPJqUPNUJCFW8xwdS9rq9M8ockfcdsNYpVt2VAyB6LZKh/image.png)\n4) You will still need to enter the amount you wish to spend in your chosen fiat currency and see the bitcoin equivalent you'll be given upfront. This is based on the seller's price, which is usually slightly higher than the official market price.\n\n# 3. Send Your Funds in Exchange for Bitcoin\nNow, If you're comfortable with the offer, the next thing is to make a payment for the bitcoin. Next, write the information the seller requires, then click on the button to accept the terms and send a trade request.\n![image.png](https://cdn.steemitimages.com/DQmaptWwRwcw2QqnJ3BBc4jMbabXvN41BqayJ21VMeF2C1W/image.png)\nIf the seller is comfortable with you (based on several factors, including reputation), they will accept your trade, and you can finalize the payment. The bitcoin may take a while before it is deposited in your wallet. You can then use it to buy things with bitcoin or hold it as an investment.\nRemember to transfer to a more secure personal wallet as soon as you receive the bitcoin, because the LocalBitcoins wallet is not completely safe. Cold wallets are preferable as they are generally more secure than hot wallets.\n\nHow much bitcoin you can buy may be limited at first, but it will continue to increase gradually as your reputation improves.\n\n# How to Report Issues on LocalBitcoins\nThere's usually no issue with trades on LocalBitcoins. However, there may be a misunderstanding concerning the deal in some cases. This may be due to delays from the seller to release the bitcoin you paid for, mainly because they have not received payment—or are trying to be fraudulent.\nLuckily, LocalBitcoins has a system for preventing and addressing such issues.\n\nFirst, the bitcoin you paid for is saved in an escrow account, and the seller has no control over it when you mark the trade as paid. Therefore, you can \"Start a Dispute,\" and LocalBitcoins will look into it. If it is credible, the locked bitcoin will be released to you.\n\n1) Go to the trade you have an issue with, and click on Report this advertisement to the right of the page.\n2) Enter the email address you want to use for contact. Your registered email address is added by default. In the message box, write clearly the issues you have with the trade. Include screenshots of conversations and other details you think will help your case, and click the Report ad button at the bottom.\n![image.png](https://cdn.steemitimages.com/DQmaxZGMh5dELpt2opPhMYWJoFq2FHsQC9evYhi4XLBc2Fj/image.png)\nThe support team will review the report and get back to you with a resolution or request for more information.\n\n# Why Not Give LocalBitcoins a Try?\nLocalBitcoins remains one of the most popular P2P bitcoin trading methods. It is fast, secure, and you'll likely secure a very good price to purchase bitcoin using a wide range of payment options. What's not to like?",
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      "title": "Off-Chain vs. On-Chain in Crypto: What's the Difference?",
      "body": "Everyone knows crypto transactions are slow. Could off-chain transaction be the solution?\n\n![image.png](https://cdn.steemitimages.com/DQma4atHMKqFaB5x4D7a4u49KA6ST3pFZQmkp1bd59Mi49s/image.png)\nIf you're into crypto, you'll be familiar with blockchains. These ledgers form the backbone of the crypto industry and perform a variety of functions, including transaction processing.\n\nBut crypto transactions are not all one and the same and can be either on-chain or off-chain. But what exactly does this mean? What is the difference between on-chain and off-chain in crypto?\n\nWhat Is an On-Chain Transaction?\n\n![image.png](https://cdn.steemitimages.com/DQmdjcapaF8yk71PVnyKXjcTjCT7GsdUFa1oXECiirDksCn/image.png)\n\nAs the name suggests, on-chain transactions take place on a blockchain. On-chain transactions are extremely common in crypto, as these digital assets rely on blockchains to exist. Transactions are verified by miners or validators (depending on the consensus mechanism used) and are permanently recorded on the blockchain.\n\nOn-chain transactions involve the use of cryptocurrency wallets and wallet addresses. For example, if you send Bitcoin to someone, both parties require a wallet so that the wallet address can be used to send the funds within the transaction. Every time a Bitcoin transaction occurs, the ledger is updated.\n\nAnyone within a blockchain network can view the ledger that records on-chain transactions. This speaks to the transparency of cryptocurrency as a whole. On-chain transactions are also very secure due to their presence on a blockchain.\n\nHowever, on-chain cryptocurrency transactions take longer than the traditional transactions we carry out in our lives, i.e., using your regular debit or credit card. This is because miners or validators must verify on-chain transactions. A transaction backlog is created when a blockchain has a large load of transactions waiting to be verified, which can give way to long transaction times. No such problems exist for the Visa network, that's for sure.\n\nToday, as the cryptocurrency industry grows, many blockchains are dealing with longer transaction times, which can also give way to higher transaction fees. Many blockchains are not equipped to scale up to their growing popularity, which is known as a scalability issue. Bitcoin is a key example of a popular blockchain struggling to keep up with its on-chain transactional workload.\n\nWhat Is an Off-Chain Transaction?\n\n![image.png](https://cdn.steemitimages.com/DQmU2R8Q3b1DjQWr7otwZUPqDAxuJz8yoNdaneggnpUuMx6/image.png)\nAgain, as the name suggests, an off-chain transaction takes place outside a blockchain. There are a number of ways through which off-chain transactions can take place, and several advantages come with this kind of transaction type.\n\nA key element required by off-chain transactions is a third party. This third party can act as a guarantor, providing a financial promise. Through the guarantor, the second party can be assured that the transaction is legitimate and will process. Alternatively, the confirmation can be guaranteed by sending the other party the private keys to a unique wallet, effectively transferring ownership to the other party.\n\nIn crypto, off-chain transactions are also known as second-layer protocols. These protocols are developed to take some heat off the blockchains that have to deal with huge swathes of transactions daily.\n\nTake the Lightning Network, for example. This second-layer solution was developed to enable quicker Bitcoin transactions by creating a private channel between two users to conduct a transaction off-chain, in a private side-channel. The Lightning Network can also lower transaction fees, which can sometimes get frustratingly high on the Bitcoin blockchain.\n\nHowever, Lightning Network transactions are still recorded on the blockchain once the transaction completes and the side-channel closes, even though the transaction takes place off-chain via a secure channel. It's also worth noting that Lightning Network transactions are still visible on the blockchain ledger to anyone once they've been finalized, as is the case for a regular blockchain transaction.\n\nThe biggest difference is that off-chain transactions are typically far quicker and less costly than on-chain transactions, which is why the Lightning Network is growing in popularity along with other Ethereum layer 2 solutions. Off-chain transactions can also help reduce energy usage, which can help in reducing the environmental effects of crypto.\n\nBut there are some concerns surrounding off-chain transactions. Take the Lightning Network again as an example. In the process of a Lightning transaction, funds could be stolen if one of the parties is malicious after the channel is closed. This involves the malicious party broadcasting the initial transaction after the channel closure to take back the initial funds they deposited in the transaction.\n\nOn-Chain and Off-Chain Transactions Both Come with Pros and Cons\nClearly, on-chain and off-chain transactions have their uses in different scenarios and come with advantages and disadvantages. Either of these two transaction types could be better suited to you depending on how you use your crypto and how you want your transactions to be dealt with.",
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      "title": "The Top 7 Crypto Trading Bots for Beginners",
      "body": "You don't have to be a crypto trading genius to use these crypto trading bots.\n![image.png](https://cdn.steemitimages.com/DQme8uD7ZAoVCmnzxdPHyPS1agGF4nv3oW5fwXfHTwDCHAF/image.png)\nIn the old days, it took years to become a financial trader. However, with the advent of trading bots, anyone can use a bot to trade any asset, including cryptocurrencies.\n\nBots don't need any technical knowledge to use, as there are existing rules you can apply immediately. They are also safe to use because they don't have access to your funds.\n\nSome bots have features that are tailored for use by advanced traders, while some have features more suited to beginners. The following are seven of the top crypto trading bots for beginners.\n\n1. Coinrule\n\n![image.png](https://cdn.steemitimages.com/DQmPjYXXViAG8yEHbrMfv831nDmNZqtV3GUmcmnkpqfXXBo/image.png)\n\nDo you know what automated crypto trading is? Well, Coinrule is one of the most popular automated crypto trading platforms.\n\nIt is also one of the most beginner-friendly, with a simple user interface that anyone can quickly figure out how to use. As a beginner with no technical skills, you can apply the existing trading rules and start trading.\n\nThe platform has a backtesting feature so you can test any strategies or rules you create before deploying them in real trades. You should learn what crypto trading strategies are and how they work as the right strategy can reduce your chances of losing your money.\n\nThere are three types of accounts you can use, the first being absolutely free with no limit to its use and a decent number of available features. You can always stick to that and get comfortable before moving on to paid plans when you are more comfortable with the bots.\n\nFurthermore, there is a long list of exchanges to choose from, including Binance, Coinbase Pro, OKEx, HitBTC, Bitstamp, Bitpanda Pro, Kraken, Poloniex, and BitMEX.\n\n2. Cryptohopper\n\n![image.png](https://cdn.steemitimages.com/DQme2kwkWqdrsTAXytJC6iF8aWvPk5wTWTDuNxFRqtWKsgu/image.png)\nCryptohopper is a crypto-bot trading platform designed to suit both beginners and experienced traders. The platform has an algorithm that takes advantage of all market conditions to your advantage and ensures you don't miss a price pump or get caught in a dip.\n\nOne of the features that makes this possible is the Dollar Cost Averaging (DCA) bot that repeatedly buys assets at different prices, which gives you an overall good average buying price.\n\nAnother notable feature is mirror trading, which allows beginners to copy the trades of pros. This allows them to profit if their mentor profits, and they get to learn to trade in the process.\n\nCryptohopper also has a free account that you can use to test the waters and also a backtesting feature to help you try out new strategies.\n\n3. Pionex\n\n![image.png](https://cdn.steemitimages.com/DQmVbBSkiScomXkVP9d1MwsVbsnh6cibz2ytcoXAZ4bqDY6/image.png)\nPionex is the combination of a cryptocurrency exchange and a crypto trading bot platform. Users can trade manually or use trading bots, which automatically buy crypto assets low and sell high. This is one feature that makes it suitable for absolute beginners.\n\nIt is also noteworthy that the trading bots on Pionex are absolutely free to use. Only a flat 0.05% fee is charged for buy/sell orders, and you'll need to pay for network fees that are deducted automatically.\n\nPionex also has unique combination bots. The first is a Grid trading bot that places buy and sell orders automatically at set intervals, thus no effort of yours is required.\n\nThe second group is the crypto arbitrage bots which take advantage of differences in price on different exchanges to make a profit. Last is a DCA bot that buys at random prices (not completely random, mind!) to arrive at an overall fair buying price, thus turning the market in your favor.\n\n4. 3Commas\n\n![image.png](https://cdn.steemitimages.com/DQmXPqDGMwgrppT48sYX45RCtbbrMinmKeBLqZv4gJZEwsF/image.png)\n\n3Commas is another beginner-friendly trading bot platform to use for trading cryptocurrencies. Trades are executed automatically round the clock, all you do is set the buy/sell prices to execute, and the bot takes profit and stops loss automatically.\n\nIt also has the copy trading feature, which enables you as a user to copy the trades of seasoned traders, increasing your chances of making a profit and giving you a chance to learn. You can try the free plan, and the paid plans are relatively cheap.\n\nSupported exchanges include Binance, Bitfinex, Bitmex, Bitstamp, Bittrex, Bybit, Coinbase, Deribit, FTX, FTX US, Huobi, Kraken, Kucoin, and OKEx.\n\nBesides having Grid, DCA, and Options bots, 3Commas also has a HODL bot that automatically buys cryptocurrencies at low prices and holds them for the future, making it easy to stack sats and other assets.\n\n\n5. Tradesanta\n\n![image.png](https://cdn.steemitimages.com/DQmcYufK3Szvkx3KWHuZNpXzpY1MvwiWCtXAxq4a5rjWy5m/image.png)\nThis is an all-in-one platform for trading all things crypto, whether manually or using crypto bots. The platform's design makes it possible for you to place orders from several exchanges using indicators such as RSI, which you can easily learn how to use.\n\nAvailable bots include Grid, DCA, and Futures bots, the latter being a bot that allows you to trade crypto futures (which may not be entirely suitable for an absolute beginner). What's more, there is a demo account for you to try the platform with practice funds before placing actual orders.\n\nTradesanta does not offer a free account, but it may be worth using considering the comfort it offers for traders to coordinate trades from just one platform. There's also a mobile app that allows you to track trades on the go on your mobile device.\n\n6. Wunderbit\n\n![image.png](https://cdn.steemitimages.com/DQmauHrPkTyS6NNbmd5YNUTyWwHqSrgwfBBb7iNYfa8UEcM/image.png)\nWunderbit is one of the most complete beginner-friendly automated trading platforms. The platform offers smart trading, a feature that allows you to create and edit orders.\n\nYou can change the take profits, stop losses, and trailing stops to any order, making it a unique platform.\n\nNew traders can also copy the trades of mentors to learn trading while reducing their chances of losing and increasing the chances of winning. Trading signal providers are also available on the platform to provide newbies with signals they can easily trade with.\n\nYou can use the DCA bot and portfolio tracker, which lets you track your portfolio on the go once you're linked to an exchange.\n\nAnother major feature is the ability to manage multiple accounts and trade using different Application Programming Interfaces (APIs) from an exchange simultaneously.\n\n7. Shrimpy.io\n\n![image.png](https://cdn.steemitimages.com/DQmZjZgsL9Q4pWfTiRv7vZeZZ2xC5cayMK9BZCkXBqDFSkG/image.png)\n\nIf you're a beginner looking for a place where you can do all things crypto, Shrimpy is one place you should consider. An automated crypto trading platform, it also allows you to connect up to 30 wallets and exchanges so that you can coordinate all your activities from one place.\n\nAs a beginner, you may need some guidance initially. Shrimpy provides this through the copy trading feature, which lets new traders copy trades of more experienced ones.\n\nYou can also imitate the digital asset portfolios of investment funds like Coinbase Ventures, Blockchain Capital, or Binance Labs, making it a place to learn crypto investing as a whole. You can also backtest new strategies before applying them to your trades.\n\nThere are no free accounts, and a subscription starts from $15 a month for the Starter Plan.\n\nYou can use any of the listed bot platforms to start your crypto trading journey today. Furthermore, it is possible to trade like a pro with the bots since they require almost zero technical skill to operate.\n\nThe influence of your emotions on trades is also drastically reduced when using bots, making your trades more likely to win rather than lose. Most are also free, so you can easily try one today. But remember, investing and trading using a crypto bot is the same as any other type of investment. You can still lose money, and profits are far from a guarantee.",
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      "title": "5 Money Saving Blogs and Podcasts to Learn Personal Financial Planning",
      "body": "![image.png](https://cdn.steemitimages.com/DQmTVNrwXN7AtJfjmRKnf4wW7zFuDPMSULhQN7y7HWacxLR/image.png)\nThese money-saving blogs and podcasts are a crash course in the basics of financial planning and how to set budgets, save money, and invest wisely.\nSchool teaches us many things and expands our knowledge, but it skips one of the basic life skills: personal financial planning. In turn, many adults struggle with saving money and spend more than they need to. These money-saving blogs and podcasts are a crash course in the basics of financial planning and teach you how to set budgets, save money, and invest it wisely.\n\nThere is a growing online demand to learn how to manage one's wealth. If you find it embarrassing to admit you don't know how to handle your finances, it can be comforting to turn to online experts who teach without judgment. Remember not to take their word as gospel since your financial conditions might be unique. As a cautionary step, it's best to use this advice to expand your financial literacy and apply it for your money matters.\n\n1. Modern Frugality (Web): Learn How to Curb Your Spending and Save Money\n\n![image.png](https://cdn.steemitimages.com/DQmcSSya9QrSxTM6akxGPRMwN8YRBjY7eJJW4Lr2wXeHuwD/image.png)\n\nModern Frugality gives you practical advice to manage your personal finances, with a focus on changing your mindset to curb your spending\nAuthor Jen Smith and her husband paid off $78,000 worth of debt in two years. She has turned everything she learned along the way into her blog Modern Frugality, and written three books (whose basics you can get through the blog too).\n\nModern Frugality's approach is to first bring your spending under control and plan finances accordingly. The touchstone is the no-spend challenge, one of Smith's best-selling books, which you can do as a week or a month. It's explained in detail on the blog, and you'll find other blog posts on recommended resources, short stories, free activities, and more. Once you do the challenge, you can move on to the two broad types of blog posts based on your financial goals: saving money or paying off debt.\n\nAlong with fellow frugality advocate Jill Sirianni, Smith is also a co-host of the Frugal Friends Podcast, which is one of the top-ranked podcasts to save money and get out of debt. In weekly episodes, they tackle common financial topics like setting budgets, working off debt, and most importantly, how to save money or be frugal with a partner or a family. They both draw upon their personal experiences and often invite expert guests for sound advice.\n\n2. Clever Girl Finance (Web): Free Online Courses to Learn Personal Finance Basics\n\n![image.png](https://cdn.steemitimages.com/DQmdaV7nggmhXUMZFRnS9XtaVZkztGE4STVae6HUytAd93b/image.png)\n\nClever Girl Finance offers a series of free online courses to teach essential money management skills in easy, step-by-step tutorials\nWhile Clever Girl Finance primarily targets personal finance education for women in the US, their advice is generally universal enough for anyone to learn the basics of money management. The most impressive arrow in their versatile quiver is the collection of over 30 free personal finance online courses, with no strings attached.\n\nThe foundational finance courses start with the basics of money management, such as savings challenges, creating a budget that works, improving your money mindset, building good credit, destroying debt, and setting financial goals. These are all self-paced courses that run entirely in your browser, with step-by-step lessons, video tutorials, worksheets, and a community to discuss your progress or doubts. Once you get through the foundational basics, there are other courses on investment and wellness.\n\nBesides the courses, Clever Girl Finance has plenty of other ways to boost your money mindset. The blog is regularly updated with articles on dealing with finances, while the weekly podcast is a great resource for timely advice.\n\nIn a unique move, Clever Girl Finance also offers a free video call with a mentor. This is limited to women in the US and Canada, and each member gets only one call. These are essentially support and encouragement sessions, not financial planning consultations.\n\n3. Marriage Kids and Money (Web): How to Manage Finances as a Family\n\n![image.png](https://cdn.steemitimages.com/DQmTAG3fpi7NFnfH4VyJY991bSSpqMvwRF7yMTifSC5Tmhb/image.png)\n\nMarriage Kids and Money is a blog, podcast, and YouTube channel to learn how to manage money as a family with children\nThe best advice comes from experts in a topic. But often, the advice you can most relate to comes from a non-expert who has lived through the situations you are going through. Andy Hill isn't a trained financial expert, but his stories and suggestions have resonated with thousands who tune in to his venture, Marriage Kids and Money.\n\nAs the name suggests, Hill's focus is on managing finances as a married couple with children (or a single child). You'll find practical advice on topics like paying off a mortgage in the shortest and sanest time possible, living on a single income as a family, setting a family budget, retirement, and savings for financial independence, etc. Additionally, Hill conducts weekly interviews with young millionaires, financially independent couples and debt free parents to learn their tips for money management.\n\nOften joined by his wife, Hill shares this advice in three different ways: a blog for those who prefer to read, a podcast for those who prefer to listen, and a YouTube channel for those who prefer to watch. The advice is consistent; it's just about your preferred medium.\n\n4. One Minute Economics (Web): Learn Basics of Personal Finance in Short Videos\n\n![image.png](https://cdn.steemitimages.com/DQmaWjt1xMHDyogRSD1VkvGAaa4epg19pgZE1REvYMec99F/image.png)\n\nOne Minute Economics explains the basics of personal finance and economic concepts that affect personal wealth in animated one-minute videos\nA lot of people struggle to implement advice from personal finance experts because of a shaky understanding of the principles of how economics work. One Minute Economics seeks to give simple explanations of economics in minute-long videos and has created a special YouTube playlist of personal finance topics you need to understand.\n\nCreator Andrei Polgar has taken the template of famous YouTube channels like Minute Physics and adapted it to discuss economics. Each video is roughly a minute in length, with a series of animations playing to illustrate the topic at hand, while Polgar explains it through a voiceover.\n\nIn the Personal Finance in One Minute playlist, Polgar isn't giving practical advice that you can implement. Instead, he teaches the basics of economics that you need to know in order to manage your money and figure out how to grow it. Topics vary from simple to complex, like calculating net worth, understanding insurance, rent vs. mortgage, cryptocurrency investments, assets and liabilities, and more. It's a total of 120 videos, but remember, they're quite short.\n\nIf you want more practical advice for your own finances rather than understanding larger economics and how they impact you, One Minute Economics has you covered there too. Try the Adulting Explained in One Minute playlist for just 33 of the 120 videos in a series that explain simple steps you can take to manage your money.\n\n5. Fundamentals of Personal Finance (Web): 5 Free Courses to Learn Money Management\n\n![image.png](https://cdn.steemitimages.com/DQmPfNYZkjnqfwNeHJPEZWEoyv41etoP4eVTuC2JQUDcN7E/image.png)\n\nThe Fundamentals of Personal Finance Specialization is an exhaustive five-course tutorial by SoFi that teaches personal finance, money saving, debt, investing, and risk management\nFinancial planning and management app SoFi has partnered with Coursera to release a series of free online courses to improve financial literacy. Anyone with a Coursera account can take all five self-paced courses individually or take the overall specialization as recommended by SoFis' experts.\n\nThe courses, in order, teach the basics of personal finance, saving money for the future, managing and paying off debt, fundamentals of investing, and risk management to protect your finances from unexpected events. Each course is taught by a certified expert in the field.\n\nAll courses are for beginners and include a mix of readings, videos, and activities. SoFi suggests working at a pace of two hours per week, which would take five months to finish the specialization course.\n\nIf you want more courses or courses from acclaimed universities, check out some of our favorite sites to learn personal finance basics and manage money.\n\nHow to Teach Kids Money Management Skills\nWhile it's fine to learn the fundamentals of personal finance as an adult, don't you wish you were taught these basics at an early age? Don't let the next generation go through what you have been through.\n\nIt's never too early to start teaching kids about money management skills, whether through online tools and games or your own ways of explaining it. Much like many other life skills that are not taught in academia, it's up to you to pass this knowledge to young minds.",
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      "permlink": "resist-the-siren-song-of-40-year-mortgage-loans",
      "title": "Resist the Siren Song of 40-Year Mortgage Loans",
      "body": "Cheaper monthly payments now mean more interest paid over time and a slower buildup of home equity.\n\n![image.png](https://cdn.steemitimages.com/DQmd7p8EZKi7G518nkK9SBYo1UXmQzNRkFaQeorgh3Qty2V/image.png)\nBecause of rising interest rates and higher home values, the monthly mortgage payment on a typical US home is 62% higher than a year ago. So, it's only natural to be looking for a way to cut costs. But if you're borrowing money to buy a home and think the answer to a cheaper mortgage is a longer-term loan, like 40-years long, think again.\n\nThe idea seems simple enough – just extend the life of the loan to save on monthly payments and refinance as soon as rates drop enough to make it worthwhile. Plus, a 30-year mortgage is a bit of a misnomer, as no one really keeps the same home loan for three decades these days. So why not just go for 40 years? There are many reasons not to play with the terms.\n\nFirst, the monthly savings are unlikely to be substantial. If you borrow $300,000 for 30 years at a rate of 5% that is fixed for the life of the loan, your monthly payment will be about $1,610, according to calculations from HSH.com, a mortgage website for consumers. Assuming the same rate for a 40-year fixed mortgage (which is generous because the rates for 40-year mortgages are likely to be higher), the monthly payment will be about $1,447, a savings of $163.\n\nEven with the recent pullback, mortgage rates are the highest in more than a decade.\n\nSure, every little bit counts at a time when home affordability is the lowest in decades, meaning that the median household income is below what’s needed to qualify for a mortgage to buy the median-priced home. But not so when accounting for the extra interest you'll be paying. In just five years, you'll have paid about $3,700 more in interest with a 40-year loan than one for 30 years and owe about $11,000 more because less of your payment with the 40-year will be going toward the principal amount borrowed. And if you do end up holding the loan for the full 40 years, you'll pay $115,000 more in total interest than if you had gone with the 30-year loan.\n\nAnd that’s why some lenders will gladly arrange a 40-year loan for you if you ask. They'd love to cash in on another product that could seemingly make a house more affordable because it would help to generate additional revenue. That’s especially true now as mortgage activity has plummeted this year.\n\nIt's not like you're going to be able to borrow a lot more with a 40-year loan. Assuming an income of $150,000 and all other things being equal, a longer-term loan increases the amount you can borrow by about $40,000, according to the HSH calculator. \n\nPerhaps the biggest red flag with a 40-year mortgage is how slowly you'll build equity in your house since more of your payment is going toward interest than principal compared to a loan with a shorter term. That may become an even bigger issue if housing prices continue to slow or even dip as we enter a housing recession.\n\nRemember, you're typically required to have 20% equity in your home before you can refinance to a lower rate or adjust the term of your mortgage. Most people put down a lot less than 20%, and may not be able to reach that threshold as quickly as they thought with a 40-year. \n\nIf you're concerned about your monthly payment being too high, there are other ways to reduce the cost, such as paying points to lower the rate, making a larger down payment, or even considering an adjustable-rate mortgage. Ultimately, though, if $200 a month is making or breaking your ability to buy a house, you probably should reconsider. \n\nRight now, 40-year mortgages aren't backed by Fannie Mae or Freddie Mac. That means they aren't guaranteed to have the same consumer protections that come with conforming loans, such as a limit on excessive fees. Given that you'll have to go to an online lender, or a smaller bank or credit union to get one, the rate may not be that competitive either. \n\nEarlier this year, the Federal Housing Administration, which backs loans for first-time buyers, said struggling homeowners could modify their existing home loans into ones with 40-year terms. (Fannie Mae and Freddie Mac also have an option that allows for existing loans to be modified into a 40-year repayment plan). Some viewed that as a sign the federal government might move to back the loans given how unaffordable homeownership has become.\n\nExtending the loan term to 40 years may be helpful for someone whose alternative is losing their house, but given the mountain of interest and slower pace for building equity, I can't see why endorsing a 40-year mortgage for new homeowners would be a constructive move for anyone other than the banks.",
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      "permlink": "here-s-how-up-to-usd20-000-in-student-loan-forgiveness-could-affect-your-credit-score-and-ability-to-borrow",
      "title": "Here’s how up to $20,000 in student loan forgiveness could affect your credit score and ability to borrow",
      "body": "Student debt can make it harder for people to start a business or purchase a home — and one reason for that is that lenders take into account your existing financial obligations.\nNow that President Joe Biden has announced he plans to cancel up to $20,000 for millions of student loan borrowers, many people will find themselves with a more favorable balance sheet and possibly, a boosted credit score.\n\nBiden said in late August that most federal student loan borrowers will be eligible for some forgiveness: up to $10,000 if they didn’t receive a Pell Grant, which is a type of aid available to low-income undergraduate students, and up to $20,000 if they did. Meanwhile, other recent changes coming for student loan borrowers, including a second chance for those who had defaulted on their loans, may leave them in an even better financial situation.\nHere’s what it all could mean for your credit.\n\nDon’t expect a ‘huge’ effect on your credit score!\n\nStudent loan forgiveness will probably have a modest impact on your credit score, said Ted Rossman, a senior industry analyst at CreditCards.com.\n\n“I don’t think it will be huge,” Rossman said.\n\nThat’s because student loans are considered “installment loans,” meaning a loan you repay over a set period of time with regularly scheduled payments. Those aren’t weighted to heavily into your credit utilization rate, which is how much you’re using of the credit available to you, he explained. Your utilization rate can account for up to 30% of your score.\nStill, any score boost may help you get more favorable terms with other lenders.\n\nLess debt may help you qualify to borrow more.\nOwing less on your student loans will improve your “debt-to-income ratio,” which is the share of your monthly income used to pay your existing debts.\n\nLenders look at this ratio when deciding how much to let you borrow. Some use something called the 28/36 rule, which specifies that no more than 28% of your monthly gross income go toward housing costs, and no more than 36% go toward total debts. (A few mortgage lenders have even higher caps.)\n\nForgiveness that reduces or even eliminates your monthly student loan payments could lower that ratio, “potentially helping you qualify for a larger mortgage, car loan or credit card limit,” Rossman said.\n\nCredit report changes could take months after applying\n\nCurrently, the U.S. Department of Education is saying the application for loan cancellation will be available by early October, and that borrowers could see the relief within six weeks.\n\nBorrowers can then expect to see their lowered or erased debt on their credit reports within roughly three months, Rossman said.\n\nHe recommends you check your report regularly for free at AnnualCreditReport.com to make sure all three credit rating companies — Experian, Equifax and TransUnion — are showing your correct balance. You can check your credit report weekly for free through the end of 2022.\n\nMake sure you save a record of your reduced debt from your student loan servicer in case you need it as proof.\nBorrowers in default have a chance to clear their record\n\nThe Education Department has also recently announced that it will be helping some 7 million student loan borrowers out of their defaulted status.\n\nOnce the so-called “Fresh Start” program launches, borrowers will start by choosing a repayment plan at MyEdDebt.Ed.Gov or by calling the Education Department’s Default Resolution Group at 800-621-3115, said higher education expert Mark Kantrowitz.\n\nYour loans should then be transferred from the servicer that handles defaulted federal student loans, Maximus, to a new servicer. Once you have a new servicer and are enrolled in a payment plan, the default should be automatically cleared from your record, Kantrowitz said.\n\nThe opportunity is temporary. Borrowers will have a one-year window to switch into a new repayment plan, starting when the Covid-19 suspension of payments concludes. That’s currently set to happen Dec. 31.\nNew payment plans could help borrowers’ credit, too\n\nAlong with President Joe Biden’s announcement last week on student loan forgiveness, he said the Education Department was moving to offer borrowers with undergraduate loans a new income-driven repayment plan that could slash their monthly bills in half. The plan could reduce the average annual student loan payment by more than $1,000, according to the White House.\n\nKantrowitz said this could have “a big impact on mortgage underwriting,” since the other monthly financial obligations you have are a high consideration for lenders.\nThe plan isn’t available to borrowers yet but they should keep checking for updates.\n\nYou can also take advantage of a lower or eliminated monthly student loan payment to advance on your other financial goals, Rossman said.\n“Owing less will help you make more headway with paying down credit card debt, boosting your savings and investments,” he said.",
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