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According to Pew Research Data between 2000 and 2015, the denial rates among different demographics have decreased, but the groups with the highest denial rates in 2015 have not changed since 2000. Back then, 44.6% of African-Americans were denied home mortgages, 31.4% of Hispanics were denied, and 22.3% of Caucasians were denied. Fast-forward 15 years, and the numbers are more encouraging, but equally disturbing. By 2015, 27.4% of African-American mortgage applications were denied, 19.2% of Hispanic mortgage applications were denied, and 10.9% of Caucasian applications were denied. The metric used to evaluate the change in Asian denials was only activated…

You’ve finally made it to India, a place of holy men around every street corner, to finally visit your guru at his ashram, which you’ll do tomorrow. You’re now in transit, sitting in a restaurant in Mumbai, after having just finished a delicious curry and chapati, with your backpack securely tucked between your legs and out of the way under your table. After you pay your bill, you head out again into the hot afternoon, eager to explore what Mumbai has to offer. However, after visiting a few bazaars, the weather and the heavy meal you ate makes you sleepy—so…

Getting funding for anything can be a tricky business and whilst saving up is always an option, you will find that the time you need to work in order to save up, will take you away from what it is that you need the money for. Thankfully, we live in a modern world where it has never been easier to get funding for an idea or an incentive and today we are going to focus on scientific research in particular, and how you can get the money together to make it happen. Newton’s List Newton’s list is a great place…

At some point in our lives we all find ourselves looking to buy a new car. Maybe this is your first time purchasing a vehicle, maybe it’s just time to trade the old one in, either way it is a necessity to own a reliable form of transportation these days. While other forms of transportation (like Uber) are on the rise, 85% of Americans still find that they need a car for the daily commute. While some of us out there may be able to buy a new car outright, the majority of people rely on an auto loan to…

Despite recording its worst January in three decades this year, down 2.7% against a basket of other major currencies including the pound, the U.S. dollar had been on a bull run since Donald Trump’s shock presidential election victory in November. One British pound currently buys around $1.25, down from $1.35 immediately prior to the Brexit vote. Experts such Mark Astley, CEO of currency management specialists Millennium Global, expects GBP to drop to as low as $1.2 by some point over the course of 2017. With most analysts expecting the USD to resume its surge over the course of 2017, what…

Are you trying to determine if credit card debt consolidation is the best choice for your personal situation? As with anything in this life, there are upsides and downsides to consolidating your credit card debt. To help you determine if this is the best choice, we’re going to share the pros and cons of consolidating credit card debt. So take a look and see if this is the best course of action to meet your specific needs. Credit Card Debt Consolidation Pros Eliminate Multiple Monthly Credit Card Payments and Roll Them into One Unfortunately, some people are just so disorganized…

Credit is a mysterious topic for many Americans. For some, it’s a nebulous and judgmental record, keeping track of all the times we mess up for no apparent reason. But there are perfectly good reasons why credit records exist. And, believe it or not, your credit history can actually do you a lot of favors. If you don’t know a lot about credit, you might not immediately see the relationship between your credit score and your first house. But the two are intimately related. If you have a bad credit score, it will cause you to pay a lot more…

When you’re on the move and travelling constantly the only time you seem to get to yourself is whilst you’re going from place to place. Be it on a bus, train or in a taxi this time can be important for people who lead very busy lifestyles. Going back a few years there was little for these people to do whilst on the move, however now due to developments in technology there are options available. Our mobile phones, that we have with us pretty much all of the time, are connected to the internet which means there are a plethora…