If I were you, I would start by taking some time to make a list of all the tasks that you feel you could train an assistant to do while not impacting the value you give to your customers.

Assuming fair-housing laws are still in effect 20 years from now, Ralph had a good point that the more-relevant question is the impact from a socio-economic standpoint more so than from an ethnicity standpoint.

While increasing interest rates influence the market, the lagest impact is on the motivation of buyers.

I would think the vast majority of us simply want to make small editing changes to our threads after the fact that have no impact on the quality of the thread.

Can't speak to the impact on FICO if you take out a HELOC.

@John Fossetti Yes, here they call it re-fi when you ask for a mortgage modification... and that has negative impact in your credit score.

So yes in that case, if they pull your credit it will impact your score.It is unclear how seasoned your credit trade lines are.

Some inquiries are soft inquiries that do not have an impact on your score and some DO have an impact on your score.

How much do you expect it to impact OH vs. other states or regions?

Estimate their capital gains and tax impact.