Joe Buczkowski's (joebuczkowski) Blog

The Great Recession has not been kind to millennials, young adults who are broadly defined as those 18-34 year of age. High unemployment, high student loan and credit card debt, and low wages plague this demographic. The Pew Research Center recently polled this demographic. Here are some of its f...

Need a loan? Knowing how banks scrutinize loan applications will improve your chances of success. Here are the 6 Cs of credit analysis. Capacity Capacity is cash flow, or the ability to pay principal and interest when due. While banks do look at your prior credit history, what they really want to...