The Way credit scores are calculated have had a huge effect on the credit score of people in lower income brackets. Black people "statistically" have been at a disadvantage when it comes to Home ownership and credit acquisition, creating an environment where there are more Black tenants than home owners.
You're looking to get into real estate, so you start looking into financing options. Unless you have upwards of about two hundred thousand dollars, chances are you will be applying for a loan. There are several sources to choose from when obtaining a loan: Conventional, Commercial, Private, and Hard Money. You go through the application process, your credit score is sufficient, you secure a favorable interest rate, calculate your down payment, and then the lender mentions Mortgage Points. The expression on your face can't hide the fact that you have no idea what Points are all about.
You See a Black owned business online or in your neighborhood and you want to show some support, but you have no need for their product or service or just can't afford to purchase anything. You go home feeling disappointed as you reminisce and wish that there was something you could do or that you had enough money to help out. Well believe it or not there are many ways to support Black owned businesses without spending a dime. If you can't give a business a sale you can always help get a business a sale. There are several ways to accomplish this and it all involves passing along information, and with today's technology it's easier than ever.
As I continue to live, my desire to chase seems to grow. I am getting faster and wiser as my skills improve and strategies are sharpened. I am curious enough to search high and low for it, and explore places that others have ignored to find it. Those places that they were too afraid to seek out because of the unknown.
There is something about changing lanes when you are on the freeway during rush hour. If it’s in the morning you are ready to get to your destination, and if it’s in the afternoon you are more than likely past ready to end your day and let your hair down. I’m more of an evening person ready for the day to end. Whenever you drive there are times when like myself you get that feeling of frustration wanting to curse out the next driver, hunk your horn until it stops working or just simply give them the road rage scare.
Many people don't really understand interest rates and how they are calculated. The purpose of this blog is to simplify it as much as possible to help you as a consumer and business person make better decisions when it comes to investing or applying for loans. Interest itself is a fee paid to someone for use of their money.
Stephen Joseph "Steve" Scalise is the House representative for the state of Louisiana. He has been apart of the Law making body since 2008. It was reported by Louisiana blogger Lamar White, Jr. that in 2002 Scalise associated with former KKK leader David Duke and gave a speech to a white supremacist group.
When I was in college, I had a friend/colleague/mentor who was well known for his high level of confidence that many people read as arrogance. He had a few go-to words and sayings that he used frequently, which I assumed he used to encourage us to think outside of our vocabulary comfort zones. Many of these words and sayings I carry with me to this day, and if mentioned in the right circles, those within earshot will nod knowingly.