Weekly Sunday Tips

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About Money

As long as you continue to put money into your retirement accounts according to your financial plan, you should be

Career Planning

Tasks Database administrators help develop, install, test and troubleshoot data systems that are massive for corporations that store information. They

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Consumer Financing Issues

Paying for college is a thought that comes up in every parent’s mind, even before their children are born. If

If there is one thing Americans love, it is earning rewards for using their credit cards. According to a survey

There’s been a lot of time and space taken in the media recently on the subject of college loan debts

In this day and age those who are graduating from college leave with some form of debt or student loans.

renovation note

Consumer Financing Needs

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Current Lending Rates
get lending rate shopping sheet

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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

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Managing Your Credit

If you are trying to keep your financial life on track, it’s important to stay away from bad habits that

Taking Care of Debt

If you’re struggling to meet your monthly loan payments or find yourself taking up more debt to pay your bills,

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The Game of Life

A person’s financial prosperity tells a lot about his own prosperity in his life. Many times achieving success means financial

A person’s financial prosperity tells a lot about his own prosperity in his life. Many times achieving success means financial

More and more cyber charter schools are popping up around the country and world allowing students of all ages to

Social media is just a fancy way of naming all the websites where people share information, pictures and videos in

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About Home

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

There are at least two good reasons why energy-efficient windows are a smart move that everyone should look into –

renovation note

Life-Event Centers

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

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

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

end renovation note

Consumer Tips

On the upside, at least you get to spend some little extra time with them now that school is out.

Business Services

If your company is struggling financially, there are a few actions that you should take immediately. Addressing the issue earlier

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