Weekly Sunday Tips

Read More

Consumer angst has never been higher thanks to a  preponderance of retailers, a tough economy and slack customer service. Though

Fortunately, there are a number of ways to reduce the possibility of an increase in your insurance premium. In this


About Money

Here, we will discuss why it is important to tread cautiously when you have just started trading the currency pairs.

Career Planning

Even with an engineering degree, you should be prepared for further studies that will aid your success in engineering. There


Consumer Financing Issues

While this particular financial product is plentiful in the United States, ones that have reasonable repayment terms and conditions are

In particular, the individual may not be familiar with additional perks apart from the credit card reward program. A card

Mortgage is the one type of loan that most Americans consider “good debt”, sometimes rightfully so. To further help the

However, there are certain ways you can increase the chances of loan approval even with bad credit. This post summarizes

Searching for the right scholarship that you are eligible for and finding a variety of opportunities can increase your probability

renovation note

Consumer Financing Needs

home contractor
Current Lending Rates
get lending rate shopping sheet

home contractor
What's Need to Qualify for Financing
Lenders use several criteria to qualify an applicant for home or financing financing. The most important criteria include:
1) the home/or auto appraisal:
the appraisal is the value of the asset (home or auto) that is being financed. You can borrow up to the appraised value of the home or auto.
Get your home valuation report
2) your credit rating:
your credit report is used by banks and other lending institutions to determine your credit worthiness. The report can be a factor in a lending institution's decision to approve or decline your application. You should review your credit report for any errors before applying for a loan.
View your credit report
Get your FICO score
3) your capacity to repay (income ratios):
lenders analyze two ratios when qualifying the applicant for financing - the "housing ratio" and the "debt-to-income" ratio. If these ratios are too high, you may not qualify for financing.
Calculate your income and debt ratios
Calculate how much you can afford
4) your employment:
lenders like to see applicants in good, steady employment. Lenders will verify your income with your employer or your filed tax statements.
Look for new employment if necessary

end remodeling note

Managing Your Credit

The first part is getting rid of any outstanding debt that you currently have. The second part is often overlooked

Taking Care of Debt

Credit card debt would not really qualify as good debt, as it generally has high interest rates associated with it.


The Game of Life

After you have had the wonderful feeling of joining your dream college, have commenced your studies and are already posting

When we blame others, we are under a strange spell that makes us believe that someone else should do something

With this in mind, let’s examine all the option for getting one. Online car marketplaces Probably the best known car

Here is how social media is helping the finance industry. Connecting with audience Social media platforms like Facebook, Twitter, and


About Home

Bright And Bold If you are energetic enough, try injecting the bold and bright colors in your living space to

Money saving with real estate could sound like a dichotomy. Developing or owning real estate is money intensive and demands

1. Security in Your Job Many mortgage lenders won’t even speak to you unless you can prove three months income

Bright And Bold If you are energetic enough, try injecting the bold and bright colors in your living space to

renovation note

Life-Event Centers

home contractor
Helping You Make Life Decisions
For Education (open new win)
College Planning Center
College Campus BLOG
College Financial Aid

home contractor
Helping You Make Life Decisions
For Education (open new win)
Home Remodeling / Home Improvement
Home Construction / Building
Home Buying
Home Selling

home contractor
Helping You Make Life Decisions
For the Auto-Travel-Business (open new win)
Auto Buying
Making Travel
Buying a Business

end renovation note

Business Services

For startups or small business owners facing ongoing expenses that can hardly wait can be inconvenient and burdensome. On the