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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.
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.

How to Build Financial Rhythm as Newlyweds Without Killing the Vibe
September 29, 2025
5 Tips for Furnishing a Modern Office on a Budget
September 19, 2025
A Practical Guide to the BRRRR Method for Real Estate Investors
September 17, 2025Career Planning
The gap between where you are and where you want to be often stems from a disconnect between your current

Why Factory and Warehouse Jobs Are Good for College Students
August 28, 2025
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.

How to Choose and Maximize Credit Card Rebate Awards
February 7, 2025
Understanding The Basics: An In-Depth Guide To Home Loans
January 30, 2025Choosing 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.

How to Choose and Maximize Credit Card Rebate Awards
February 7, 2025
Navigating the Swell of Credit Card Usage in the U.S.
November 18, 2024
Credit Cards 101: How to Master Your Financial Arsenal
October 21, 2024
What Credit Score Do You Need To Buy A House?
September 18, 2023
Money Saving Methods on Home Loans
August 9, 2023
Are Credit Unions Good for Mortgages?
July 26, 2023
Demystifying Recreational Loans 101- When and How to Apply
January 22, 2024
5 Different Kinds of Loans and Their Upsides
November 29, 2023
7 Smart Income Ideas For College Students
September 30, 2019
The Ultimate Cheat Sheet on Searching for Scholarships!
July 30, 2018
Five Things You Need to Know About Scholarships
December 20, 2017
Consumer Financing Needs

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For Making Smart Lending Decisions | ||||||||||||||||
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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. |
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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. |
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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. |
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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. |
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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.

Shield Your ID Today: Protecting Against Identity Theft
December 18, 2024
Cracking the Credit Code What Makes a Good Credit Score
September 16, 2024Taking 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.

What Are Your Tenant Rights When You Declare Bankruptcy?
December 9, 2024
Smart Ways to Reduce High Interest Rates on Debt
August 21, 2023
The Game of Life

Complete Guide to Using Car Detailing Products
July 28, 2025
What To Know About Cars Before Buying One
June 23, 2025
How to Keep College from Crushing Your Wallet Later
May 31, 2025
Setting New Year Resolutions: A Guide to Making and Keeping Your Goals
December 29, 2023
Achieve More With Less: The Art of Time Management
December 19, 2023
5 Effective Ways To Help You Stay Focused at Work
April 6, 2023
What To Know About Cars Before Buying One
June 23, 2025
Understanding Road Rage and How to Mitigate Its Dangers
April 25, 2025
Is It Cheaper To Fix Your Car or Buy a New One?
April 14, 2025
Higher Learning: What To Know When Applying for College
July 30, 2024
Charting a Course Toward Financial Freedom in College
February 16, 2024
Organization Tips for New College Undergraduates
December 6, 2022
The 7 Best Android Apps For Students
March 25, 2022
5 Benefits of Social Media Monitoring
November 30, 2018
3 Social Media Marketing Habits for Career/Business Growth in 2018
February 21, 2018
About Home

Interest Rate Drop: What This 0.25% Cut Means for Your Home Dreams
September 19, 2025
Understanding the Common Causes of a Blocked Shower Drain
September 8, 2025
Small Town to Big City: What You’re Really Signing Up For
August 29, 2025
Understanding the Services of Custom Granny Flat Builders
December 27, 2024
How To Properly Prepare a Construction Site
February 8, 2024The 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.

How Utility Poles Can Impact Your Home Purchasing Decisions
February 11, 2025
A Quick Guide to Transitioning From Renting to Homeownership
February 11, 2025
How To Design The Perfect Car Shed For Your Home
March 17, 2025
Essential Factors for Selling Your Home Successfully
January 15, 2024
Life-Event Centers

Helping You Make Life Decisions | ||||||
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For the Auto-Travel-Business (open new win) | ||||||
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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.

Unravelling the Complexities of Neck Pain: Your In-depth Guide
October 9, 2025
Survival Kits: Your Guide to Assembling One
October 3, 2025
A Journey Through Time: What Was the World Like in the Past?
October 2, 2025Business 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.

5 Simple Store Layout Tweaks That Make a Big Impact
September 25, 2025
Custom Cupcake Boxes: A Sweet Way to Showcase Your Cupcakes
August 25, 2025
5 E-Commerce Mistakes To Avoid at Your Business
August 19, 2025