For the readers of my personal Jacques Poujade website, I have put together a list of five things people should consider before making a purchase. This will allow people to be very smart with their money.

The DTI (debt-to-income) ratio is a figure that indicates how much debt you have in relation to your income. A lower DTI is considered ideal because it is an indication that you earn more than you owe. A high DTI, on the other hand, particularly figures that go over 43%, requires a serious review of […]

A reverse mortgage is something that allows a homeowner to have the opportunity to borrow against their homes equity. This is done while still having ownership of the home. A lot of people use it as a viable retirement planning tool, creating a stream of income by using a large asset. This type of mortgage […]

If you’ve watched television over the last 15 years or so, you’ve probably seen an ad to refinance your mortgage. They make it sound like the greatest thing ever, but it can’t be as good as they claim, right? Sadly, many Americans don’t understand the fundamentals of refinancing, making it challenging for them to determine […]

With so many credit score commercials, advertisements and more, most people already know the importance of a high credit score. Most don’t really pay much attention to it though until a major purchase is on the horizon, such as home buying. So how can a low credit score improve? Here are my three favorite tips […]

Troy Caruso began his working life in the construction industry, giving him firsthand knowledge of being on the front lines of a business that he carries into his work as CEO of Radium2 Capital. Radium2 Capital is an alternative finance company that helps entrepreneurs and other small business owners secure funding when traditional banks will […]