Browsing CategoryFinance

Ever heard someone talk about taking a “360-degree” approach to finances and shrugged it off as a buzzword? Maybe you don’t think about your finances often and because of the lack of stress you feel, you think you’re in good standing. Or maybe you have debt, but you choose to suppress the long-term effects it’ll have on your life. Fair enough. But it’s also worth asking yourself: What does good financial health look like? Below I’ll detail the four areas that construct our financial world. Being Debt-Free Before you can build a prosperous financial world, you need to get out…

So, you’ve decided to invest some of your retirement savings in opening up a Bitcoin IRA account. Your next step should be to look for experience Bitcoin IRA custodians, who can manage your Bitcoin IRA account on your behalf. If you’re interested in learning about the role of an IRA custodian, continue reading to discover everything you need to know about the role of a Bitcoin IRA custodian! Everything you need to know about Bitcoin IRA custodians: Why do investors require a Bitcoin IRA custodian? One of the key reasons why investors are required to hire a custodian for their…

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…