Financial freedom - Build your way to a more prosperous life, step by step, by building smart passive income streams. Learn how to manage your investments so that you can maximize your passive income potential.

It is clear that your financial life is the product of your financial habits. The rules for financial stability and prosperity are: try to multiply your income sources; spend smart; spend less than you gain; every month make sure your balance (revenue - costs) is positive; constant saving; invest the savings. These actions, repeated every month, creates habits. Habits, repeated every month, accumulate and provide a stable financial status and, in time, produce prosperity.

New skin in the game project in Riga from EVOEstate – Krišjāņa Valdemāra str. 145

EvoEstate logo

Evoestate announced today that a new investment project with “skin in the game” from Evoestate founders is available on the platform for all users: Krišjāņa Valdemāra str. 145 k-1 – 55, Riga, Latvia in Riga, Latvia.

Skin in the game: Founders of EVOEstate invest personal capital in these deals

Krišjāņa Valdemāra str. 145 k-1 – 55, Riga, Latvia in Riga, Latvia

Krišjāņa Valdemāra str. 145 k-1 – 55, Riga, Latvia
The project is raising € 100 000.00.
12% annual returns.
Loan term 24 months.
LTV (loan-to-value) ratio is 25% !!!!!
Originator: NORDSTREET

If you invest for the first time at EVOEstate don’t forget that you can get 0.5% cashback for 6 months after the first investment. You can register here for the new offer.

 

For other bonuses visit our Cash-back & Bonuses page.

Nibble investment platform overview

Nibble is a financial platform that connects investors and lenders throughout Europe. The investment guarantee is much safer because the loans are issued by the companies which are part of the IT Smart Finance Group which are

joymoney
RURussia
ESSpain
MXMexico 2020

The Joymoney brand has been working in the field of alternative loans since 2014. The company is based in Russia and operate in Russia and Spain. Mexico’s operation is scheduled for 2020. Joymoney’s mission is to provide their customers with the opportunity to solve their financial difficulties quickly and safely. The company use their own innovative developments, including patented software solutions, big data analysis, scoring model system and risk management solutions.

Nibble offers two type of loans:

  • Short-term loans (PDL):
    • Loan amount – up to € 500;
    • Loan term – up to 30 days;
  • Installment loans: (Installment):
    • Loan amount – up to € 1000;
    • Loan term – up to 90 days;

Nibble is based on the «Peer 2 portfolio» model. Nibble offer investors the opportunity to invest in alternative loans simply and safely. Nibble offers investors a Buyback guarantee even if the loan is past overdue more than 60 days.

Nibble allow investors to create an investment portfolio in a fully automated way. The investor can establish the portfolio parameters and preferences like the minimum and maximum investment amounts, countries to invest, etc.

One of the main Nibble’s features is that it offers investors a return on investment of up to 12%, exceeding the average profitability of the market.

How does Nibble work?

Nibble is a financial platform and a part of IT Smart Finance holding group. The platform allows individuals and legal entities to invest in given loans, issued by companies of the holding, which have a long experience on a loan market.

Nibble structure

Every client who receives a loan passes a multi-level verification system and receives a scoring assessment on the solvency related to their credit history. From the total amount of applications, the level of acceptance for primary clients is 10%, which allows the company to control risks and ensure repayment.

If the loan is on delay, the company that issued the loan guarantees to buy it back on the 61st day (Brands Joymoney RU, Joymoney MX, Joymoney ES).

Nibble is responsible for the security of transactions, safety of money in investor`s personal account, and provides protection of personal data.

During its active time, the loan will accure the percentage of yield as agreed. By the end of the term, the client has the option to choose from any of our reinvestment alternatives and increase their income. By doing so, the money will be reinvested automatically in new loans. Every individual and legal entity in Europe, including the countries of EU (Switzerland and Britain) can become an investor.

How to start investing on Nibble?

To become an investor in Nibble P2P platform is fast and simple.

If you reached the age of majority and have a bank account in any country in Europe you can be an Investor on Nibble, you just need to register and verify your identity. Nibble works in most European countries, such as Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

You need to register to start investing and earning income on Nibble. After the registration, you can deposit money to your account starting from 10 euros. Then, you can create an investment portfolio by choosing the necessary options and become an Investor!

Currently, the maximum deposit limit on Nibble is 10,000 € per month.

If you invest for the first time at Nibble don’t forget that you can get 1% cashback bonus for the investments made in the first 90 days.

 

 

What to do: pay off the credit or invest for passive income?

Pay off the credit or invest for passive income?

I saved a certain amount of money and I manage to keep saving month by month, what do I do? Do I pay off my credit or invest to generate higher income in the future?

Probably many of you have at least one mortgage loan and/or one or more consumer loans (if you read this article) and at the same time you have started to accumulate some financial reserves and may have thought or even started to put the money to work. In this context, you may also think about the fact that interest rates may rise, a crisis may occur at any time and at the same time you can see the good profits that have been made and are made from real estate investments, stock exchange, cryptocurrencies and business.

In all this context, it is normal for the answer to the question to pay the credit or invest the money to be complex, with many variables and uncertainties, but also so important. Basically the answer can guide your financial strategy for several years.

Let’s begin!

Before I should ask myself if I pay the credit or invest, there are some things we have to check:

  • If there are debts from credit cards and overdrafts with interest rates above 15% -20%, those should be paid before we think about investments;
  • Consumer debt, car etc. – we should focus on them and pay them in advance before investing;
  • We fail to save constantly – focus first on building this habit;
  • Reserve fund to cover living costs for a period of 6-12 months.

Before you have all the above checked, you should not even think about starting investing.

Any consumer credit used for the acquisition of liabilities should be paid as a priority. Real estate and investment loans (those used to purchase assets) are the ones we can doubt whether we will pay them in advance or not.

We will talk specifically about real estate loans, to simplify and make the analysis relevant, but we can have the same analysis process in the case of a non-real estate investment loan.Well, now the question that remains is: Do I pay the real estate loan or do I use my future reserves and savings for investments?

Economically speaking

From an economic point of view, we will compare the actual effective interest rate of the loan with the expected net return on investments.

For example, we have an interest of 5% on the mortgage loan and

a  return estimated by us of 10% of the investment in shares (historical average yield)

or

we find an apartment at a very good price and with a rent yield of 8%

or

bonds with 9% interest

and so on….

So we have on one hand a 5% safe interest vs. a yield estimate of 10% or 8% or 9%.The decision may seem obvious – at such a yield differential, in 20-25 years you pay the property 2 times.

But the decision is simple just at first sight and it becomes more complex when we go deep. Why? Because the interest rate on credit is safe (if it is 5%, it is 5% no matter what I do) while the return on investments is always an estimate.

Estimate because:

  • The stock market may no longer perform in the next 10 years as in the past or you catch a very weak interval;
  • The yield on the rental property may decrease, or it may not be at all, unless you have a tenant or you find a structural problem of the construction;
  • The issuer of the bond can go bankrupt and you lose all the money.

There are risks that you must take into account to adjust the returns on investments with the percentage of risk. Professionals always calculate their adjusted return on an investment. The calculation is very complex and has many variables. But for the sake of simplification we can estimate a differential for the degree of risk. For example: -1.5% for a very good real estate, -2.5% for small and medium-sized companies bonds and -3% for blue chips shares.Thus, we now have a comparison between + 5% credit payment and (10% – 3% = 7%) for shares; (8% -1.5% = 6.5%) for real estate and (9% -2.5% = 6.5%) for bonds.

Now it’s a little clearer. We know that up to a loan interest rate of 6.5% or 7% we can invest without problems, but if the interest exceeds these levels it becomes more profitable to pay the credit.

Of course, the calculation is relevant depending on how well we made our estimate of future profits.

Many investors and business owners maintain their long-term loans, knowing that they can generate higher long-term returns with the same amount of money. This is the case of many smaller or larger entrepreneurs, it is the case of those who invest professionally or even those who invest passively in the long term.

Obviously, a solution would be to make more risky and / or more active investments that can bring higher returns, but in this case you really should know what you are doing.

Important is to make your calculations as well as you can, because, after all, nobody knows the future.

Psychologically

The need for survival/safety is lower (and stronger) on Maslow’s pyramid than aspirational needs. From here comes a degree of stress that will make you quite conservative in investments when you have unpaid loans.

Emotions are not good in investments.

To make a decision:

  • Do your calculations – see economic analysis above;
  • Calculate your risk profile;
  • What decision would make you unable to sleep at night?;
  • How would you feel about paying off your debts? But what if you didn’t pay them?
  • How would you feel if you invested in passive income? But what if you didn’t invest?
  • How would you feel if you paid your credit with 5% interest and the stock would have a 50% yield that year, which you would not benefit from? But if you did not pay your credit and invest in the stock market, and the stock market would fall by 50% that year? Which of these 2 options would most disturb you?

When choosing whether to pay your credit or invest/accumulate reserves you must take into account both the economical and psychological aspects. Both are important, but more important are the psychological ones, because they have the power to sabotage you.

Finally, if you are still not cleared how to proceed, you can choose the middle way and use the amounts saved according to the formula: Invest = (10 – Credit interest rate) and with the rest pay the credit. That is, if the credit interest is 4% and you save 1000 EUR per month, you pay in advance (or you set aside to pay in advance) 400 EUR and you invest 600 EUR.

Simple, right?

New1% cashback bonus from Iban Wallet

Iban Wallet informed that a new cashback opportunity is available at the platform to all new registered participants.

Every new investor who register through this link at Iban Wallet, use the code – LOVE1 – will get a 1% bonus on their Iban Account for the first 90 days for the first investment!

The promotion is not applicable to Iban One or Iban Market.

Campaign is valid until 29.02.2020.

For other bonuses visit our Cash-back & Bonuses page.

Get 1% cashback bonus from Lendermarket

Lendermarket logo

 

Lendermarket informed that a new cashback opportunity is available at the platform to all new registered participants.

Every new investor who register through this link at Lendermarket receives a bonus of 1% of the Net Deposited Funds during the first 60 days after the registration is successfully validated (Net Amount Deposited: amount of money deposited minus the amount of money withdrawn).

About Lendermaket

Lanched in june 2019 in Ireland, Lendermarket is a sister company of Creditstar Group AS, which is the parent company of Creditstar’s operational subsidiaries. The loans listed on the platform are issued in: Poland, Spain and Czech Republic.

Ragistration and investing

Both individuals and companies can register and invest. Individual investors are required to be at least 18 years old, be residents in the European Economic Area (or Switzerland) and have a bank account in such area.
Companies must have a bank account in a bank located in the EEA (or Switzerland).

Sign-up process: 2 steps: Registration and identity verification.

The minimum investment is 10 euros at 12% interest rate.

All loans at Lendermarket come with a Buyback Guarantee. Creditstar will buy back the loans that are more than 60 days overdue from their original due date at the nominal value of outstanding principal, plus accrued interest income and late payment fees.

The repayment depends on the term of the loan. If the term is 30 days or less, there will be 1 single payment at the end of the term. If there are two installments (60 days) or 3 installments (90 days), then the investor will receive 2 or 3 payments respectively. This is beneficial for investors that value more liquidity.

For other bonuses visit our Cash-back & Bonuses page.

Get 15 EURO cashback bonus from EvoEstate

EvoEstate logo

 

UPDATE: The 15 EUR offer is no longer valid. The new offer for new registered participants is 0.5% cashback for 6 months after the first investment. You can register here for the new offer.

EvoEstate informed that a new cashback opportunity is available at the platform to all new registered participants.

Every new investor who register through this link at EvoEstate and invests 50€ (or more) will get a 15 EURO cashback bonus on their EvoEstate account.

For other bonuses visit our Cash-back & Bonuses page.

 

EVOEstate makes it easy for investors to access a variety of real estate investments with a relatively small amount of capital. The minimum amount for investment is €50, which enables investors to create a diversified portfolio. All loans are secured with a mortgage.

EVOEstate does not give out loans directly to the developers and it sources deals from other project originators, this enables to provide a many different types of deals in multiple countries. Consequently, EVOEstate founding team invests into deals theirselves and has skin in the game on deals they provide.

Get 1% cashback bonus from Iban Wallet

Iban Wallet informed that a new cashback opportunity is available at the platform to all new registered participants.

Every new investor who register through this link at Iban Wallet, use the code – TRYIBANNOW – and invests 200€ (or more) will get a 1% bonus on their Iban Account for 3 months! The code needs to be inserted after the registration process, at “top up the account” step.

Campaign is valid until 31.10.2019

Update: Campaign is valid until 30.11.2019.

For other bonuses visit our Cash-back & Bonuses page.

New investment project announced by Brickstarter – Santiago Terry – Cadiz

Brickstarter logo

Brickstarter announced today that it is preparing to launch a new investment project in Spain: Santiago Terry – Cadiz.

Brickstarter - Santiago Terry - Cadiz

Brickstarter – Santiago Terry – Cadiz

If you invest for the first time at Brickstarter don’t forget that you can get 15 EURO registration bonus and 0.5% bonus for your investments made during 90 days from the registration. In order to get the bonuses you first must register by following THIS LINK. and during registration use the promo code: BRICKS.

Perfectly located in the Old Town, the one with the greatest condensation of urban historical attractions. It is the postal code with highest average income per apartment and less seasonality.

A small apartment, very bright, with one bedroom and one bathroom, but up to 6 guests. This will help Brickstarter to maximize the occupation rate as the apartment is suitable for couples and up to small groups of 6 persons. They will also increase the income as they will be charging an extra fee for the 5th and 6th guest.

Investment opportunity

Operation Total: 149.429,69 €
Mortgage:  0,00 €
Total to finance: 149.429,69 €
Internal Rate of Return (IRR): 10,54%
Gross Rent Return: 11,81%
Net Rent Return: 5,3 %
Cash on Cash: 6,24%
Return on Equity (ROE): 5,30% 

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