By Qingqing Ouyang (’23) While house hunting can be invigorating, the home loan cycle can be tricky to navigate. Understanding the process can make the interaction much more pleasant. Read below to understand the process of home loans! After you sign a purchase agreement for your dream house, you can shop around for a bank or mortgage broker to find out who can offer you … Continue reading Understanding the Loan Process
By Qingqing Ouyang (‘23) AAPI hate crimes have occured for several years, but this year their prominence has affected many more people and become a more known problem. Not only COVID-19, but violence towards the AAPI community has also undeniably caused pain to many people. The combination of these two factors has also contributed to affect businesses, and a few Asian Businesses have even been … Continue reading AAPI Impact on American Businesses
By Qingqing Ouyang (‘22) Good credit scores have many benefits: best interest rates, more trust with both the loaner and borrower, lower finance charges, and access to a larger selection of loan programs. But why does this matter? Imagine asking a loaner to lend some money for a project you plan to do. But, the loaner does not think he should give you the loan … Continue reading Building Good Credit Scores
By Qingqing Ouyang (‘23) March is a month celebrating women and reading, and it is important to appreciate both. Let’s take a look at female business individuals that have widely impacted the financial world. Not only their contributions and influence, but I also encourage you to read more about their story. Here, you will read about three strong women we have chosen, and books relating … Continue reading The Month of March
By: Qingqing Ouyang (‘23) Many schools do not offer opportunities, besides specialized business classes, that prepare students as they enter adulthood. In this case, it means teaching the youth to save and manage money. In a class known as personal finance, teenagers can learn how to properly handle money situations, which will help them a lot in the long run. To a parent or guardian—These … Continue reading Teenagers and Financial Preparation
By: Qingqing Ouyang (‘23) A new year means a new home, and many buyers are looking to start the year fresh with finding a place to live. However, when looking for a home, buyers must consider an important question: Should I buy or loan? Of course, both buying and renting have advantages and drawbacks, and many factors must be considered before making the decision. Cost … Continue reading What’s Better: Buying or renting?
By: Qingqing Ouyang (‘23) Although there were many drawbacks in the year 2020, surprisingly, house market trends have been on the positive side. There is an expected increase in home sales of 3.6% from 2020 to 2021, which would be the highest rate since 2006. The main reasons for the buildup are interconnected. Firstly, the COVID-19 vaccine will spur the economy and bring back jobs; … Continue reading Real Estate Price Analysis in 2021
The Overachiever 