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Ricardo James

Credit 101

Your credit score is a numerical representation of your creditworthiness, and it significantly impacts your financial life. It's a number that ranges from 300 to 850, with higher scores indicating better creditworthiness. In addition, credit scores are used by lenders to determine whether to approve you for loans...

Ricardo James

The Global Context of Wealth Inequality

Wealth inequality is a pressing global issue that has received increasing attention recently. According to data from Credit Suisse, the top 1% of the world's population owns more wealth than the bottom 4.6 billion people combined. Moreover, this disparity is even more pronounced in certain countries, with...

Ricardo James

Using Life Insurance as an Investment Tool

Life insurance is a financial tool that can serve multiple purposes, such as providing financial protection to your family or business in case of your untimely demise, generating savings over some time, or even acting as an investment vehicle. In this post, we will focus on the latter and explore...

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