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Innovative Solutions to Financing Dilemmas

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…

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How to Get Started in Property Investment

Property investment has long been one of the most profitable ways to grow your wealth and there are more and more people each year like Radha Singh who see this as a great way to get started with investments. Unlike investment areas such as stocks and shares or the oil industry for example, with real estate you can actually see your money as something tangible. The hardest part of investing in real estate is getting started and if this is something which you are looking to get involved in then here is how to do it. Education The first place…

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Is it Possible to Buy a House With Bad Credit?

house

As the real estate market continues to heat up and interest rates rise, a lot of people are feeling the pressure to purchase a home while they can. Unfortunately, it’s not always as simple as clicking a button and getting a mortgage. If you have bad credit, unique challenges are around the corner. 5 Things to Consider With Bad Credit Anyone who tells you that bad credit doesn’t matter is lying to you. Having bad credit – anything below a 650 – makes it extremely challenging to get a mortgage. Recognizing this fact, here are some things you should do…

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The Pros and Cons of Debt Consolidation

Debt isn’t something that a lot of us like to talk about, but it’s something that needs to be discussed in order to be eliminated. If you have found yourself in a surmountable amount of debt don’t panic! There are a wide variety of tools and options that are available to you when it comes to realizing your dream of being debt free. From student loans to mortgages and everything in-between, not to mention astronomical APR rates, it’s easier than many of us think for debts to start piling up faster than we can pay them off. Debt consolidation is…

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Shrug The Chains Of Debt Through Loan Consolidation

Managing Your Debt There are a lot of reasons you could accrue massive debt. Sometimes getting debt can be defined by certain financiers as a good thing, oftentimes it is not. But whatever has caused your current debt situation, you should know that you can dig your way out of it. Sometimes getting out of it will be hard, but there are options. For one thing, certain regions offer loan-forgiveness—but regarding that; being eligible for such a situation is going to be unlikely. Another possible, but unlikely, scenario is deigning to the crowd for remuneration. Certain communities may sympathize with…

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Choosing Your First Credit Card

So what is credit and why is it important to you? Credit is defined as confidence in a purchaser’s ability and intention to pay, displayed by entrusting the buyer with goods or services without immediate payment. There are so many reasons to think ahead about good credit and bad credit. As well as how they both impact your future. It is good to understand that good credit does not just accumulate magically and you need to pave your own road of credit by making good decisions with money that is lent to you. How Does Credit Impact You Credit impacts…

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THE MOST EXPENSIVE DIAMONDS TO BE SOLD AT AUCTION

diamonds

As the popularity of modern-day jewellery auctions continues to increase, we take a look at the most expensive diamonds to have ever been sold at auction. The Oppenheimer Blue The Oppenheimer Blue once held the record for being the most expensive jewel to ever be sold at an auction. In 2016, the diamond sold at Christie’s Geneva auction for a staggering $50.6 million dollars to an unknown buyer. The diamond is a rare vivid blue diamond, cut into an elegant and sophisticated emerald shape. It is not known where the diamond was mined, but experts speculate that the gem originated…

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3 Tips for Handling Your First Credit Card

credit card

It’s very easy to get overwhelmed and make mistakes when you first get a credit card. The feeling of having so much available credit at our fingertips makes us make some foolish and unnecessary mistakes. But it is possible to avoid this fate if you pay attention, follow the guidelines we’re about to share, and avoid racking up major credit card debt. For many Americans, we have this free spending mentality that often gets us in trouble. Unfortunately, when you’re willing to buy anything on a credit card, you’re going to pay outrageous interest as well as the original balance.…

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Funeral plans: A sudden surge in pre-planning

There are some topics in life that many of us wish to avoid and if we were to draw on a couple of clichés two of life’s certainties would definitely pop up at this stage; death and taxes. Well, as the title has probably all but given away, we’re going to hone in on the former today. That’s right, let’s talk about death, or specifically what happens immediately afterwards. Once upon a time it wasn’t nearly as significant as it was now. We’re not talking about the process of dying, but rather the immediate funeral afterwards. Funeral costs were relatively…

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