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Helpful Tools for Managing Life

Life has it challenges from managing money, building your career, sustaining good credit and keeping yourself out of debt. Here are some helpful tools to help.

A collection of forms, maps and worksheets to help in your life decision making. They are FREE without registration.

Some simple calculators to estimate lending costs and running ratio analysis

Need to make decisions? Or perhaps need some guidance? These resources might help.

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About Money

Financial stability forms the foundation of family security and peace of mind. When your finances are well-organized and purposefully managed, you create opportunities for your loved ones to thrive while building resilience against unexpected challenges.

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Consumer Financing Issues

Choosing the right credit card can feel overwhelming when you’re faced with countless options, each promising unique rewards and benefits. The credit card landscape has evolved dramatically over the past few years, with major banks and issuers introducing innovative features that go far beyond simple cashback programs.

Choosing the right credit card can feel overwhelming when you’re faced with countless options, each promising unique rewards and benefits. The credit card landscape has evolved dramatically over the past few years, with major banks and issuers introducing innovative features that go far beyond simple cashback programs.

Refinancing your home can be a smart financial move, but it’s essential to understand the process and benefits before proceeding.

In the field of personal finance stability and growth are often seen as the ultimate goal. One financial tool continues to offer a solid stepping stone toward a brighter future – the installment loan.

If you’re a college student who needs some extra cash, you can take on a side job that will help you get the money to pay for tuition, food, and other college-related expenses.

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Consumer Financing Needs

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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

Have you ever wondered how someone could build an entire financial identity from scratch using bits and pieces of real information mixed with fabricated details? This sophisticated form of deception, known as synthetic identity fraud, represents one of the fastest-growing and most concerning threats in our digital age.

Taking Care of Debt

Filing for bankruptcy is not an easy decision, but for many, it can provide a much-needed lifeline in the face of overwhelming debt. Bankruptcy is designed to help individuals and businesses restructure or eliminate their financial obligations, offering a fresh start.

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The Game of Life

Whether it’s a collision with another vessel, running aground, or hitting debris, knowing how to assess damage after a boating

In the fast-paced world of entrepreneurship, the quest for success is a never-ending pursuit. Entrepreneurs, business professionals, and startups are constantly seeking the elusive formula that will catapult them to the pinnacle of achievement.

Ever wondered why some cars look showroom-fresh years after purchase whilst others look tired and worn? What makes the difference between a car that turns heads and one that blends into the background?

College has a way of making you dream big while emptying your pockets even faster. It’s a promise of better things ahead—but that promise often comes with a heavy price tag that hangs around long after the diploma.

In today’s fast-paced digital world, social media is a major part of our lives. From keeping in touch with friends and family to shopping online, social media platforms make everything more accessible and connected.

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About Home

According to the Public Policy Institute of California, renters make up a larger share of households in the state than in the rest of the US.

Adding innovation to your construction firm can help you reduce expenses. Learn about five technologies that can lower your construction costs.

The Federal Reserve’s recent decision to lower interest rates by 25 basis points (0.25%) has sent ripples of excitement through the housing market. For many families who have been watching mortgage rates climb and home prices soar, this news feels like a breath of fresh air in what has been a challenging market environment.

Do you ever find yourself standing in a pool of water while taking what is supposed to be a refreshing shower, courtesy of a stubbornly blocked drain? If so, you’re not alone.

If you want to attract buyers or create a more enjoyable space, here are five ways to increase the value of your rural property that any homeowner can tackle.

Making the leap from a smaller town to a sprawling city isn’t just a change of address, it’s a whole life shift. Suddenly, everything’s louder, faster, denser.

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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

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Consumer Tips

Studying in another country can be rewarding, but it also creates challenges that extend far beyond tuition. Many students focus only on school fees and airfare, overlooking the everyday costs that come later.

Business Services

The words “cruelty free” used to sit quietly on the back of a product, a small logo tucked beside the ingredients list. It felt like a whisper. In 2025, it has become something louder.

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