Author: Benjy Brasswater

Benjy Brasswater is an accomplished personal finance writer and a dedicated advocate for financial literacy, currently serving as the leading financial writer at the National Credit Foundation. With a career spanning over two decades in the field of personal finance, Benjy's expertise lies in his ability to translate complex financial jargon into everyday language that empowers individuals to take control of their financial futures. Outside of his professional life, Benjy is a dedicated mentor, volunteering with local schools and community centers to provide financial literacy workshops. He firmly believes in the power of education to transform lives, and he's committed to making financial knowledge accessible to everyone.

Tripoint Lending

TriPoint Lending is a company that offers personal loans to people in need. However, Tripoint Lending has recently been receiving negative reviews from customers who feel that the company has scammed them. In this Tripoint Lending review, we will take a closer look at the company and see if its services are as bad as people are saying. TriPoint Lending was founded in 2017 and is based in Irvine, California. The company offers personal loans of up to $35,000 with interest rates ranging from 12% to 36%. It has an A+ rating with the Better Business Bureau (BBB) and is…

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Freedom Debt Relief Review Is Tripoint Lending A Scam?

Are you finding it difficult to pay off your debts? Are you stressed out and feeling overwhelmed? If so, you might want to think about looking for assistance from a debt relief company. One of the best-known businesses in this field is Freedom Debt Relief, and in this post, we’ll examine all of their services in detail. We’ll talk about their background, offerings, and costs. We will also go over the advantages and disadvantages of working with Freedom Debt Relief. The business is a platinum member of the International Association of Professional Debt Arbitrators and an American Fair Credit Council…

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credit scoring racism

Loans are essential for starting or growing a business or to cover unexpected expenses, and racist credit scoring models are making it difficult for blacks to get a fair shake. According to this system, a person’s financial history is ranked on a scale of 300 (poor) to 850 (excellent), a number that is crucial to determining whether they can access capital. To determine whether a loan application should be approved, this system is supposed to be neutral and fact-based. Because of the history of economic and structural racism in the U.S., BIPOC people suffer from a disadvantage in credit score…

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Reparations for Slavery

What is the American Dream? Well, a central part of that idyll is the assumption that everyone has an equal opportunity to obtain the sort of wealth that brings real meaning to the words “life, liberty, and the pursuit of happiness”. Underlying the American Dream is the notion that everyone can own a home, start their own business, and build inter-generational wealth as long as they put the hard work in. This long-held belief has been repeatedly defied by the US government decrees that denies black Americans the same wealth-building opportunities. In 2020, the average black family has 10 times…

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featured 1

Are you struggling to keep up with multiple debt payments each month? If so, you’re not alone, you need to know how loans for debt consolidation work. Americans are now more in debt than ever before. The economic crisis starting in 2008 has left many people struggling to pay off their debts. The numbers are startling: According to Northwestern Mutual, only about 26% of Americans say they carry “no debt.” The New York Fed reports that total household debt is sitting at $14.64 trillion. The Federal Reserve says that consumer debt totals up to over $4 trillion. It’s no surprise…

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Great Gatsby Curve

What is the Great Gatsby Curve? The Great Gatsby Curve was first introduced in 2012 in a speech made by Alan Krueger, chairman of the Council of Economic Advisers during President Obama’s administration. The Great Gatsby Curve looks at the relationship between the elasticity of income between generations and inequality. Some versions of the curve compare the US and twelve developed nations. Other versions of this curve also include developing countries. Countries where inequality is low – Finland, Norway, and Denmark – mobility is greatest. Chile and Brazil, by contrast, are the two countries with the greatest levels of inequality…

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Pacific Debt  vs Freedom Debt Relief

If you’re struggling with debt, you may be considering Pacific Debt Relief or Freedom Debt Relief. Both companies offer debt relief services, but they are quite different. So, which is the right option for you? In this article, we will compare Pacific Debt and Freedom Debt Relief, so that you can make an informed decision. Pacific Debt Relief is a debt settlement company. That means they will negotiate with your creditors to try to get them to agree to accept less than the full amount you owe. Freedom Debt Relief, on the other hand, is a debt management company. They…

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financial frauds

Every day, we hear about new scams and financial frauds It seems like no one is safe from these criminals who are always looking for new ways to steal our money. However, some scams are bigger than others, and they have cost people millions of dollars. Here is a list of the top 10 financial frauds of all time. The Sale of the Roman Empire (193 A.D.) There have been many great financial frauds throughout history, but one that always stands out is the sale of the Roman Empire. Often referred to as “The Fraud of the Century”, this event…

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LendingTree Review

If you’re in the market for a personal loan, you may be wondering if LendingTree is the right choice for you. LendingTree is a website that allows you to compare loans from various lenders. This can be a helpful tool if you’re looking for the best interest rate or want to see what your options are. In this review, we’ll go over the pros and cons of using their service, as well as how it works. [star rating = “4”] PROS: Is a free service.You can compare multiple offers from different lenders in one place.It’s a good option if you…

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Economic Inequality

Most Americans feel there’s too much inequality in the United States. Roughly half say that addressing this inequality requires making substantial changes to the economic system. Despite this, 70% of those who feel there is too much inequality also feel that some amount is inevitable and acceptable. 42% of Americans state that reducing inequality should be a high priority for the federal government. Among these, a large majority feels that the issue should be prioritized for two reasons: The influence economic inequality gives to the wealthy. The limits it places on the opportunities of others. While they feel it should…

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