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`It`s What We Call Reverse Redlining`: Measuring the Proximity ...

The data in this article is drawn from a poll of 2,000 Black adults, gauging attitudes on a variety of social, political and economic issues.

As the Black Lives Matter movement highlights the ways that racial inequality is deeply etched in Black neighborhoods, financial policy and consumer advocates have been calling attention to the targeting of Black Americans by high-interest, short-term lenders, such as pawn shops and payday lenders, as one of the most pervasive.

Regulators in the Trump administration are making it easier for payday lenders to exploit Black communities, consumer advocates say, pointing to the Consumer Financial Protection Bureau’s elimination of the “ability-to-repay” payday lending rule, which required that these lenders ensure borrowers have the means to repay a loan. Consumer advocates, who say these loans are predatory, argue that the CFPB’s rollback makes it easier for these lenders to trap borrowers in a cycle of debt. 

https://morningconsult.com/2020/07/23/black-consumers-payday-loan-banking-services/

Learning how to handle your money in a responsible and mature way is extremely important. It will give you a sense of independence, and something to be proud of. Use the advice in this article to learn how to handle your personal finances in a way that will serve you best.

Financing real estate is not the easiest task. The lender considers several factors. One of these factors is the debt-to-income ratio, which is the percentage of your gross monthly income that you spend on paying your debts. This includes everything from housing to car payments. It is very important not to make larger purchases before buying a home because that significantly ruins the debt-to-income ratio.

Eating out is a huge pit of money loss. It is way too easy to get into the habit of eating out all the time, but it is doing a number on your pocket book. Test it out by making all of your meals at home for a month, and see how much extra money you have left over.

For those individuals that have credit card debt, the best return on your money would be to minimize or pay off those credit card balances. Generally, credit card debt is the most expensive debt for any household, with some interest rates that exceed 20%. Start with the credit card that charges the most in interest, pay it off first, and set a goal to pay off all credit card debt.

Rewards credit cards are a great way to get a little extra something for the stuff you buy anyways. If you use the card to pay for recurring expenses like gas and groceries, then you can rack up points for travel, dining or entertainment. Just make sure to pay this card off at the end of each month.

Instead of going out to eat every other night or buying new clothes for each special occasion, learn to be thrifty and manage your money. Remember the tips in this article, so that you can start to manage your personal finances and avoid calls from debt collectors on a daily basis. Sell Watches Kempton Park Ever Heard Of An Online Pawnshop - Call: +27114407881 jewellery pawn shops Johannesburg
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