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Credit Management

Why good credit management? Because good credit is needed to purchase items with favorable lending terms – and in some cases, employment.

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About Money

When the coronavirus pandemic was first declared, we had no idea that it would change our lives. But more than a year after the World Health Organization said we had a problem, we are still dealing with the ramifications.

Career Planning

Whether you are looking to make a quick change in your life and move into an exciting new career, or looking to find more time for yourself, starting a work-from-home business is the perfect solution.

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Consumer Financing Issues

When people take more time to plan their home purchase, they can better help themselves to get the best possible deal. While the exact purchase amount you pay may depend on your ability to negotiate a fair deal, taking the time to get a better mortgage deal can help you save on your upfront and long-term costs.

When people take more time to plan their home purchase, they can better help themselves to get the best possible deal. While the exact purchase amount you pay may depend on your ability to negotiate a fair deal, taking the time to get a better mortgage deal can help you save on your upfront and long-term costs.

2020 has been an uncertain year for everyone. Recent college graduates, current college students, and high school students have had a particularly difficult year, from an unstable job market to having to rethink their plans for higher education.

College life is fun but not from the financial perspective, particularly if you don’t have a scholarship. Expenses are often high, whether it is about tuition fees, housing or additional activities.

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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

There’s no number in your life quite as important as your credit score.

Taking Care of Debt

There is nothing quite like that new car smell or the thrill you get when you drive off the lot. However, if you are considering buying a new or pre-owned car, you might have some concerns about how to afford the car payments.

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The Game of Life

If you are like most people, you most likely put up more hours when you have a lot to do in a day. Yet at the end of the day, you still have items to tick off your to-do list and still feel unaccomplished.

If you are like most people, you most likely put up more hours when you have a lot to do in a day. Yet at the end of the day, you still have items to tick off your to-do list and still feel unaccomplished.

Have you considered selling your car, but you do not have an idea where to start? You are not alone.

Choosing your further education is a huge, crucial step for your future. Not only do you want to seek the right degree course, but you also want to achieve it in an institution you can trust and enjoy.

It’s undeniable that social media presence plays a key role in the prestige and renown of any Australian business in 2018.

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About Home

Most methods of heating a home require burning some sort of fuel source. This can be coal, natural gas, propane, wood, or oil.

Fortunately, there are several tips that can be followed that could help you to save money when you are trying

At one time or another, most of us have thought of features we would want when we’re finally able to buy our first home. Don’t forget the characteristics that are important to you as you begin the journey into house-hunting.

Working from home is a double-edged sword. It can be a complete blessing to wake up and start your computer while you’re still in pyjamas, or an absolute curse when it comes to productivity. How can you grasp the best of both worlds and effectively indulge in work from home?

Are you getting ready to sell your house? There are a number of repairs that you may want to attend to before you put your home up on the market.

Two things have changed the face of modern employment: cloud computing, which includes modern technology shifts toward decentralization, and the global lockdown.

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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

Last year, we watched the world come to a standstill due to coronavirus. Things are a bit better now — you know, with the vaccine rollout — but we’re not out of the woods yet.

Business Services

Can’t choose amongst Magento and Shopify? You’re are not alone. These two brands are two of the most famous eCommerce platforms available today.

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