You are here

US home equity is back, so why aren’t more people borrowing?

AP Photo/Elise Amendola WASHINGTON (AP) — Alicia Johnson and her husband wanted to renovate their home last fall but ran into a roadblock: When they tried to refinance their mortgage and borrow against their equity, five banks said no. Problem was, the Johnsons’ mortgage covered their home in Christiansburg, Virginia, and some adjacent land – a deal-breaker. “They all pointed to the same thing: The rules have changed,” she said. The banks refused to lend against both the home and the land. Their frustration … Read the referenced story here: US…

Read More
Smarter 

12 Essential Communication Skills That Aren’t Taught in Schools at All

“I’ve never let my schooling interfere with my education.” — Mark Twain We’re taught the basics of communication early in the classroom. To be able to read, write, and speak effectively, we had to learn vocabulary, grammar, spelling, handwriting, and pronunciation. They were, however, focused on the rudimentary goal of imparting or exchanging information. Communication goes much further than the academics of the written or spoken word. The purpose of communication is to build and grow connections with others at an emotional level. This is where classroom learning stops short and life…

Read More
Smarter 

What If All the Choices You Make Every Day Aren’t What You Need Most?

When you are going to school, the question everyone asks is, “so, what do you want to do?” Usually you can get away with a quick summation of your major, or explain every tedious detail of your wildest hopes and dreams. No matter what you say though, even if you’re prepared with an answer, that question can feel ominous. What do you want to do? How can we know what we should do, and more, how are we supposed to know if it’s what we need to do? This question…

Read More
Smarter 

Apps Aren’t Always Distracting. These 10 Apps Actually Help You Focus!

Our computers and smartphones are often considered the ultimate machines of distraction. They can be so full of entertainment possibilities that many of us can’t go a single hour without looking at our phones many many times. When some apps seem built to test our self control, placing themselves in our minds, almost like addictions. These 10 apps don’t demand our attention, but instead aim to improve it. With them improving your productivity and reducing stress [1] in your day-to-day life will be easier. Headspace 2.0 Headspace is a very popular meditation…

Read More