I was recently asked whether a loan applicant’s race is a factor when their loan application is considered. I’d like to answer that question here, because it is important to debunk the myth of racial bias in the loan industry.

Tis the season to be jolly. Assuredly, most of us are thinking about the gift(s) we will get for each of our loved ones. As we do so, we should be calculating to assure we do not suffer a financial hangover once the holidays are over. It is easy to fall off of our budget this time of year. We see the great sales that retailers offer, and we make a purchase.

How is it that any business can drag payment and renegotiate contracted pricing and not face lawsuits? Not one person who Trump dragged said they sued. There were no lawsuit’s because Trump was following a little-known federal law. Companies use it all the time.

In the wake of the Equifax data breach, over half of all Americans had their personal information stolen by hackers. This could have lifelong implications because your social security number and other personal info does not go stale, it can be used by some fraudster to set up an alter ego or individual credit accounts in your name.