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Communities in the South face a unique set of challenges that can prevent them from accessing money.The communities are in what are known as  banking deserts,  wher stanley cup e there are few banking or credit union options.The lack of options is resulting in poor financial outcomes for Southerners, which includes people who live in Alabama, Ark stanley mugs ansas, Georgia, Louisiana, Mississippi, North Carolina, South Carolina and Tennessee.According to a report from theConsumer Financial Protection Bureau,Southern consumers are twice as likely to have their mortgage applications denied. That national rate for denied applications is 11%. In the South, it s 27%.For those who are approved for a mortgage, the CFPB says they typically pay higher interest rates.SEE MORE: Why you should never keep all your money in one bank The rural South faces distinct challenges when it comes to fair access to banking,  said CFPB Director Rohit Chopra.Unlike in most states, credit scores alone don t account for lower stanley becher  credit rates. The CFPB said race and rural residency in the South appear to be a factor in access to credit. People of color are more likely to be denied credit, compared to similarly-situated white borrowers, and rural Southerners are denied at higher rates than their non-rural counterparts,  the CFPB notes.Denials for credit and lack of access to financial institutions appear to also be contributing to unbanking rates in the South.Mississippi and Louisiana have the highest rate in the country of people wh Whqz At least 40 dead in Mexico migrant detention center fire
2 `! y2 Q' x" v CLEVELAND 鈥?The snowy weather often means extra work for car owners, but theres one shortcut that could cost you in the long run.You may notice in the winter, many drivers put their windshield wipers straight up into the air to keep them from freezing to the windshield, but it also means youre putting stress on the spring that holds the wiper arms against the windshield. I guess that would definitely assist you in scraping your windshield off if the wiper blades were frozen to the windshield, but it can be a very costly mistake in high winds,  said William Robinson, general manager of Terrys North Coast Auto.Robinson said leaving the wipers up exposes the plastic gears and other mechanical components that could be weakened or damaged by forceful wind gusts. The exposure to the elements could also cause the rubber blade to be blown off. If the winds catch that or somebody bumps your car, and that wiper blade will slam against that cold windshield and crack your glass,  Robinson said.An alternative way to save time is to cover the entire windshield with a blanket, tarp, or even stanley cup  a piece of cardboard to prevent show and ice buildup: another essential winter addition鈥攚inter wiper blades. The winter blades are referred to now as profile blades, and they don t have the lit stanley cup price tle plastic junctions and pieces that can move,  Robinson said.  It s all one-piece wiper blade, and it doesn t have any pieces on it that can freeze and stop it from working proper stanley cup ly. Another big mistake Robinsons