How to Read an Experian Credit Report
The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem ... more...

Can You Afford Your Dream House?
So you want to buy a house eh? And you want to get a mortgage loan to cover the bulk of the cost. Well, this is a common way for people to purchase a new house and if you are going to get approved for a mortgage you will fist have to meet with a lender. This lender will go over all of your finances ... more...

Commercialisation of Higher Education in South Africa
Introduction and Literature ReviewSouth African education policies place priority on addressing historical education imbalances, but should also be sensitive to the demands of an ever-increasing global knowledge-driven environment. The educational system cannot be dominated by the needs of the ... more...

How To Read Your Credit Report
The Fair and Accurate Credit Transactions Act, signed into law on Dec. 4, 2003, gives every American the right to a free credit report every year from each of the three major credit bureaus -- Equifax, Experian and TransUnion.What the law doesnt do is give every American the ability to read their ... more...

Out of Credit Card Debt - Without Filing Bankruptcy
To be out of credit card debt is your dream and youre tired of the redundant advice to live within your means. Look no further.Most people that give advice about how to get out of debt, have absolutely no clue why things are the way they are. None of them have ever looked to the source of the ... more...

Purchase Your First Home with Confidence
If you are making the transition from renter to homeowner, you're not alone. In 2004, 40 percent of homebuyers were purchasing for the first time, according to "The 2004 National Association of REALTORS Profile of Home Buyers and Sellers."With interest rates at all-time lows and a booming real ... more...

Federal Housing Administration (FHA)
FHA loan programs:FHA AccessFHA Cal GoldFHA Rural GoldFHA Mutal Mtg. InsuranceFHA 203 (k)FHA 203 bFHA 251FHA Title I programFHA MIP RefundThe Federal housing administration was created by Congress in 1934 as part of the national housing act. The purpose of the act, and of the FHA, was to generate ... more...

Council Right to Buy Mortgage Helping Everyone Have a Home of
We will help every Council Tenant to become Home Owners With these historic words Margaret Thatcher initiated an equally historic concept of council right to buy scheme. However, the groundwork for this scheme had been laid much before in the 70s under the reigns of the labour government.The ... more...

Loan Officers & Minimum Wage
I. INTRODUCTIONThe FLSA requires that most employees in the United States be paid at least the federal minimum wage for all hour worked and overtime pay at time and one-half the regular rate of pay for all hours worked over 40 in a workweek.However, Section 13(a)(1) of the FLSA provides an ... more...