Finance

Imagine stumbling upon your dream home, with the price just right but your credit history standing as a wall between you and your dreams. Enter owner financing, a concept allowing people like you to buy a home without traditional bank loans. A significant 36% of Americans, as per the Federal Reserve, utilize this mode of […]

Often considered as an attractive option for accessing financing, in-house financing becomes a debatable topic when viewed from the lens of credit reporting. Is in-house financing reporting to credit? This compelling question is rooted in borrowers’ concerns about their credit scores and future financial prospects. The answer, however, is not as straightforward. While some in-house

Purchasing a house, undoubtedly, is one of the most significant financial decisions one gets to make. However, it’s reasonable to question – can you still finance a car after making such a hefty investment? Qualifying for a car loan after buying a house hinges on a variety of factors, which primarily includes your debt-to-income ratio

Imagine a sector of the economy that manages the colossal sum of over 35% of GDP – that’s the realm of public finances. This crucial component of a nation’s economy encapsulates the income and expenditure of the government, including the collection of taxes, and spending on public infrastructure such as roads, schools, and hospitals. It

Imagine a world where governments had no means or methodology to raise funds for societal needs and development. This might seem unthinkable due to the pivotal role that public finance plays in state governance and economic policy. Its significance is simply immeasurable. Public finance, at its very core, is the study of how government manages

How often do we consider the financial mechanisms behind renowned public works like museums, hospitals, and even our public schools? These projects, among many others, often owe their existence to the realm of public finance investment banking. Public finance investment banking is an intersection of finance and government, providing funding solutions for public sector projects.

Picture a world without the workings of public services. No feasible road infrastructure, subpar healthcare, dilapidated schooling, the list is endless. The reality, however, is far removed from this grim scenario, thanks to the existence of a legal framework that ensures public services are adequately financed. One of the more significant legislative intricacies involves the

What if we were to tell you that the way we finance public education could actually be perpetuating inequality rather than combatting it? It sounds counter-intuitive, but the current reliance on property taxes means that wealthier areas, where properties are valued higher, can allocate more money to their local schools. This system leaves less affluent

Imagine steering the financial future of a nation, shaping policies that impact millions. This is the reality for professionals in a public finance career, an often-underestimated field that’s both impactful and rewarding. Public finance careers offer a unique combination of job security and intellectual stimulation. According to the U.S. Bureau of Labor Statistics, jobs in