Homeless could become protected class in Duluth

    November 27th, 2014

    The Commission voted unanimously to include homelessness and housing status as a protected class.

    As of now, homelessness is not a protected class at the federal, state or city level.

    According to the Human Rights Commission, those who are homeless are among the communities most vulnerable, and often experience discrimination in the search for employment and housing and when obtaining credit, education, and public services.

    Duluth has a prime opportunity to be a leader in housing and civic equality on this front by granting legal protection and a path to recourse against these discriminatory practices, said Rebecca Domagala, Chair of the Duluth Human Rights Commission....

    Renren Q3 Earnings Preview: Continued Losses Likely, New Strategy For Gaming

    November 26th, 2014

    Chinese social network Renren (NYSE: RENN) is slated to release its third quarter earnings on November 20. In their last quarterly earnings call, the companys management suggested that revenue could decline on a year-on-year basis in Q3. [1] In this article we review the primary drivers for the company, the new areas where Renren is looking to invest and its strategies for the future.

    We have a price estimate of slightly over $3.50 for Renren, which is nearly 25% higher than the current market price.

    See our complete analysis of Renren here

    Softness In Advertising Revenues To Continue

    One of the major sources of revenue for Renren is advertising...

    After 96 Loan Rejections, This Guy Built A $750 Million Marketplace For …

    November 26th, 2014

    Sam Hodges, co-founder and US managing director of Funding Circle, used to run a chain of successful fitness gyms in 2007. Thats when he realized the US banking system was broken for small business owners. 

    Although his business was profitable and he had a healthy credit score, Hodges just couldn’t get the loan he needed to expand his business. Banks repeatedly declined his loan applications and other online finance companies offered terms that “simply didn’t make sense.” 

    After getting turned down for the 96th time, Hodges realized something was definitely wrong. Big companies with tens of millions in revenue and hundreds of employees were able to easily...

    Farming advancements on agenda

    November 26th, 2014

    Plans to boost agricultural enterprise and preserve the land it depends upon will go to lawmakers early next year in Orange and Sullivan counties where farming generates more than $130 million annually.

    The Agricultural and Farmland Protection Plans have drawn input from a wide assortment of local sources close to farming and the land. They range from municipal planners to representatives of the Cornell Cooperative extensions to farmers raising produce, livestock and sod.

    Priorities already established in a draft of Orange County#x2019;s plan aren#x2019;t all new. Some are concerns carried...

    online loans with monthly payments

    November 26th, 2014

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    Fifth Third Bank funds student loan initiative

    November 26th, 2014

    Fifth Third Bank Greater Indiana is awarding a $100,000 grant to the University of Indianapolis from the Charles E. Schell Foundation, Fifth Third Trustee, to provide interest-free educational loans to help UIndy students fulfill their dreams of a college education.

    Fifth Third Region President and CEO Steven Alonso will join UIndy President Robert Manuel for a brief ceremony recognizing the grant at approximately 3:45 pm Saturday in Key Stadium, just prior to the UIndy football game.

    “This is a wonderful opportunity to essentially create a revolving student loan fund at the University of Indianapolis,” Alonso said. “Charles Schell, the trust’s founder,...

    Top Websites For Checking Your Credit Scores

    November 25th, 2014

    While you can check your credit reports from each of the major credit bureaus – Experian, Equifax and TransUnion – for free once every 12 months at www.AnnualCreditReport.com, the free reports don’t contain your credit score. Lenders and creditors, however, will use your credit score when deciding whether to work with you. While you don’t generally need to know your credit score, you might want to see what it is six to 18 months in advance of applying for a major loan, an apartment or a job to get an idea of whether you’ll be approved, if you’ll qualify for the lowest rates and if you need to take steps to improve your score.

    Many companies are happy...

    Things to be thankful for this Thanksgiving: Jobs, credit cards disclosing …

    November 25th, 2014
    • The unemployment rate has dipped below 6 percent. While there is debate about the accuracy of the stats, and I get annoyed about the retro revisions, more people are finding jobs. And thats a good thing.

    • People with higher-interest mortgages have another year to refinance even though they might still be under water with the loan. The Home Affordable Refinance Program was supposed to end next month, but in April, it was extended to Dec. 31, 2015.

    • The stock market has continued to climb, with the major indexes up 9to 13 percent this year.

    • More consumers seem to be pushing back on the materialistic mindset that retailers and the news media hype...

    Low credit scores now accepted for PLUS loan

    November 25th, 2014

    Last month, the Department of Education announced it has taken an extra step to ensure there will be wider access for the Parent Loan for Undergraduate Students.

    The department has redefined “adverse credit history” to allow a wider applicant field. Since this definition hasn’t been updated for 20 years, the department wants to reflect the current economic situation for college students. This is a hard time for students who want an education but rely on obtaining loans so they can pursue a higher degree.

    This change makes it easier for prospective graduate students to attain enough money to pursue their goals. As undergraduates get closer to graduating, we have...

    Now, scheme to curb default on educational loans

    November 25th, 2014

    NEW DELHI: Faced with growing education loan default, Credit Guarantee Fund Scheme for Educational Loans has been finalized and is likely to come before the Cabinet in the next few weeks.

    The scheme, devised by the ministry of finance, HRD ministry and Indian Banks Association, proposes to set up a Credit Guarantee Fund with a corpus of Rs 2,500 crore. The fund will provide guarantee to educational loans up to Rs 7.5 lakh. It is proposed that loans — ranging from Rs 4 to Rs 7.5 lakh — will be guaranteed up to 75% of the amount outstanding with interest as on the date the account is declared non- performing asset (NPA). A HRD official said, Earlier, it was proposed that...