Since the initiation of the Fair Housing Act, there have been numerous legal challenges to steering practices in real estate,” Kilday says. “Many real estate professionals have been fined or had their licenses revoked for engaging in discriminatory practices. Despite this, steering continues to be a problem in some areas, and many fair housing advocates continue to work to raise awareness of this issue and to promote equal housing opportunities for all.
Banks that offered NOW accounts did experience a surge in customers during the 1970s and 1980s when these accounts were first introduced. This was because NOW accounts were seen as an attractive alternative to traditional savings accounts, as they offered a higher rate of interest and greater flexibility in terms of withdrawals.
When you get a raise, there is a possibility that your expenses will eventually increase. So, it becomes even more important to consider updating your emergency savings to accommodate your new spending habits.
The FDCPA mandates debt collectors to provide you with specific information about the debt they are attempting to collect, including the amount of the debt, the name of the creditor, and your rights under the FDCPA.
A CD ladder can be a good option if you want to invest in certificates of deposit (CDs) but also need regular access to some of your money
Overall, balance transfer credit cards can be a helpful tool for cardholders in high debt, but it's essential to use them responsibly.
I recommend homeowners save about 1% to 4% of the total purchase value of their home after considering important factors like location, age, and condition of the house. This is because your home's average annual maintenance costs may exceed the 1% value. So, budgeting a little more than average is helpful when accounting for major home repairs.