Browsing CategoryFinance

Saving money for a home purchase may sound challenging, especially if you’re on a tight budget. But with some thought and careful planning, you’ll find there are a number of ways you can put money away and take advantage of the low interest rates. Assistance Programs The housing market has seen some fluctuations in the past. But with a strong job market, low interest rates and voluminous inventory, you can probably find a loan program that suits your needs, even if you have bad credit. If you’re buying a home for the first time, and you don’t have the funds…

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…