The family budget is the sum of the estimated income and expenses of the family for a month, a year or another period. Keeping a budget is a necessity for everyone who cares about controlling their finances.
Consider a typical family – a husband and wife with a small child. Both work. Expenses mass: food, clothing, utilities, kindergarten and so on. Having calculated all the income and...
The number of applications for mortgage loans fell by 64% compared to last year.
In the US, the average mortgage rate for the first time since 2008 exceeded 6%, Reuters reports, citing data from the Association of Mortgage Banks. At the end of July 2022, the US Federal Reserve System (FRS) raised the interest rate by 75 basis points, to 2.25-2.5% per annum.
Such an increase in mortgage rates...
Do you work for a government or nonprofit organization? Or are you considering that career path after graduation? If so, the Public Service Loan Forgiveness (PSLF) Program may help you reduce the amount you need to pay back in student loans.
The program offers qualified public servants and nonprofit employees a path out of student loan debt, with no cap on the loan forgiveness...
What will you learn?
What is personal capital
How to Build a Personal Balance
How to Increase The Return on Assets and Reduce the Cost of Loans
To begin with, we will define the basic concepts, which will be discussed further.
Assets are the value of the property you own, which include:
real estate;...
Forms of lendingThere are many classifications of loans. For example, if you divide loans by source of financing, you can highlight the following.
InternationalProvided by international organizations such as the International Monetary Fund or the World Bank. Issued for the development of countries, assistance in crisis situations, etc.
StateThey are issued by the state within the country, for...
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