With life’s busy schedule, it’s hard for most of us to dig through all the information thrown our way. Each week we scour the media universe to find the most interesting and helpful articles so you don’t have to. Take a look at what we’re reading this week.
Just assume you will be hacked
Another day, another data breach, or so it seems. With internet security what it is these days, you might be best off just assuming someone will try to hack your accounts sooner or later. But don’t panic: Take the steps outlined in this article, so you can emerge unscathed from any cyberattack. (LifeHacker)
Yes, paying celebrities to cheer you up is a real thing
Feeling down? For a low, low $20, the actress from “Hairspray” wants to offer some soul-affirming advice especially for you. Indeed, there’s a whole slate of “relatively famous people” who will make you a personal video, via the online service Cameo. (Time Money)
How to cope when they pass you over for promotion
Missing out on a promotion at work can be a real punch to the stomach, especially if you had your hopes up. But if you find yourself in this situation, here are some great ways to deal with it and help you keep going in your professional life. (The Everygirl)
For the mother who has everything
Some parents might go it alone when it comes to child raising, while others might decide to call in some experts. For new moms seeking a professional helper for the early months, meet the postpartum doula. More than just a nurse, a postpartum doula helps the entire family — baby, mom, dad, and siblings — adapt to the new arrival. (PureWow)
What you’ve heard about flu shots is all wrong
The arrival of fall brings school, autumn foliage, football, and yes, flu shots. But there’s a lot of misinformation out there about this seasonal inoculation against the flu bugs of winter. Take a look at these 7 myths surrounding the common flu shot. (Bustle)
So this dog walks into a bar…
Ok, maybe it’s not really a personal finance topic, but if you have a dog, the question of where to take your furry friend on an afternoon out could be front-of-mind for you. Check out this debate on whether dog owners should be allowed to bring canine companions along for a pint at the local brewhouse. (Metro US)
Buying life insurance isn’t enough — you must also ask questions
Life insurance might seem like a buy-it-and-forget-it proposition, but getting a policy is really just the beginning. If you’re covered, take a quick glance through this list of questions you should be asking to make sure your money’s not wasted. (Fox Business)
Interested in a personal loan?Here are the top personal loan lenders of 2018!
|Lender||APR Range||Loan Amount|
|1 Includes AutoPay discount. Important Disclosures for SoFi.
2 Includes AutoPay discount. Important Disclosures for Payoff.
3 Important Disclosures for FreedomPlus.
4 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
5 Important Disclosures for LendingPoint.
6 Important Disclosures for LendingClub.
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
7 Important Disclosures for Earnest.
8 Important Disclosures for Avant.
* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.
** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33
* Important Disclosures for Upgrade Bank.
Upgrade Bank Disclosures
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
|7.73% – 29.99%||$1,000 - $50,000|
|6.26% – 14.87%1||$5,000 - $100,000|
|6.99% – 35.97%*||$1,000 - $50,000|
|5.99% – 24.99%2||$5,000 - $35,000|
|4.99% – 29.99%3||$10,000 - $35,000|
|5.99% – 18.99%4||$5,000 - $50,000|
|15.49% – 34.49%5||$2,000 - $25,000|
|6.95% – 35.89%6||$1,000 - $40,000|
|6.99% – 18.24%7||$5,000 - $75,000|
|9.95% – 35.99%8||$2,000 - $35,000|