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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
If your family is on a single budget, then you know the challenges that you face.
How to Plan Your First Real Estate Investment
May 14, 2020
Planning to Retire? Why You Need a Financial Advisor
April 24, 2020
General Liability Insurance: Everything You Need to Know
April 22, 2020Career Planning
Having the ability to make decisions is part of your personal and professional life. It becomes a complicated matter because there are good and bad decisions, and the bad ones may cost you.
Tips for Using a Staffing Agency to Find Work
May 25, 2020
How to Choose Between Enrolling in a CMA or a CNA Course
April 13, 2020
Pros and Cons of Being a Locum Doctor
March 6, 2020
Consumer Financing Issues
Compared to automobile loans, boat loans have a fixed rate term loan on which you make payments for a defined duration.
Effective and Smart Ways to Get a Loan with Bad Credit
April 30, 2020
How Credit Scores Affect Your Home Loan
January 27, 2020
Everyone wants to save more with a minimal investment! The same thought process runs when people have to travel.
What Every Person Needs to Know About Credit Cards
February 22, 2019
How to Avoid Bad Credit Score and Increase Your Credit Score
December 21, 2018
If you’ve been following the real estate news in Armagh, Ireland over the past few years, you will notice that there have been complaints of how progressively difficult it was becoming for people to become home owners. The reason for this has been chucked down to the steady rise in the price of real estate and the much slower rate at which average wages are increasing.
How to Finance a New Home in a Seller’s Market
May 13, 2019
Benefits That Property Buyers Can Enjoy From Bridging Loans
April 20, 2018
Compared to automobile loans, boat loans have a fixed rate term loan on which you make payments for a defined duration.
Effective and Smart Ways to Get a Loan with Bad Credit
April 30, 2020
How Credit Scores Affect Your Home Loan
January 27, 2020
How to Get Affordable Loan Rates with Low Credit
April 5, 2019
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.
The Ultimate Cheat Sheet on Searching for Scholarships!
July 30, 2018
Five Things You Need to Know About Scholarships
December 20, 2017
Should Older Students Max Out Financial Aid?
January 16, 2017 
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. |
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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
It really sucks when your credit score is not up to the mark it should be.
4 Easy Ways to Build Credit Without Changing Your Spending Habits
December 15, 2019
Guide to Credit Repair (for Millennials)
February 15, 2019
Making Sense of Your Cents With Credit Scores and Credit Reports
November 5, 2018Taking Care of Debt
Bankruptcy fraud is a federal crime. So understand how avoid bankruptcy fraud.
What Is Debt
January 12, 2020
Saddled with Debt? Here’s a Step by Step Guide to Getting Out
December 13, 2019
The Game of Life
Once you have finished your degree, whether it’s a bachelor in arts or science, you might think you’re done with education and you’re ready to find work.
Benefits of Owning Nitrogen-Filled Car Tires
April 7, 2020
6 Things to Fix Up When You’re Preparing Your Car for Resell
March 23, 2020
The world is a convoluted place where everyone tries to figure out what’s best for them.
5 Steps to Attaining Financial Freedom
October 3, 2018
Road trips are always enjoyable and adventurous, where you explore the new destinations throughout your journey. Be it a group of crazy friends or loved ones and family members; road trips can never be regretting.
Benefits of Owning Nitrogen-Filled Car Tires
April 7, 2020
6 Things to Fix Up When You’re Preparing Your Car for Resell
March 23, 2020
Advancements in Car Technology to Reduce Distracted Driving
March 10, 2020
Once you have finished your degree, whether it’s a bachelor in arts or science, you might think you’re done with education and you’re ready to find work.
5 Strategic Tips to Inspire Teen Confidence When Taking the SAT
February 13, 2020
How Parents Can Help Their Military Children Afford College
December 24, 2019
It’s undeniable that social media presence plays a key role in the prestige and renown of any Australian business in 2018.
3 Social Media Marketing Habits for Career/Business Growth in 2018
February 21, 2018
What’s the Impact of Online Reviews on Your Business? Part 1
October 5, 2017
How Social Media is Promoting the Finance Industry
June 13, 2016
About Home
When it comes to home design, people tend to focus on the interior. Even though having a beautiful home to spend your time in is important, you can’t neglect the exterior of your house.
Fortunately, there are several tips that can be followed that could help you to save money when you are trying
Money Saving with Real Estate
July 2, 2015
How to Save Money on Building a New Home in 2015
June 10, 2015
How to Help Your Home Build Go Smoothly
March 6, 2013
The economy was humming along in January and February 2020, which are traditionally slower months of the year for the real estate market. However, COVID-19 related closures, stay-at-home orders, and significant job losses in all sectors of the economy hit the market hard in March.
Should You Buy a House in 2020 or 2021?
February 26, 2020
4 Savvy Home Buying Tactics to Ensure the Best Quality for the Cost
January 27, 2020
When it comes to home design, people tend to focus on the interior. Even though having a beautiful home to spend your time in is important, you can’t neglect the exterior of your house.
5 of the Best Tools to Use for Caulking Windows
April 25, 2020
How 3D Rendering Services Make Building Design Affordable
April 17, 2020
6 Household Mistakes to Leave to a Professional
April 16, 2020
India is largely a patriarchal society and males (father or husband) are assumed to be in charge of all the important decisions of a household. For the longest time, women played second fiddle to the men of the house.
Moving Out: A Beginner’s Guide to Selling an Estate
April 20, 2020
6 Things to Do When You’re Selling an Older Home
February 11, 2020
What You Should Know Before Selling Your Home
March 29, 2019
For those of you throughout the country who already had planned to move or if you are having to unexpectedly move, you need not worry.
5 Essential Moving Tips for People with Disabilities
April 5, 2020
Pros and Cons of Renting
March 1, 2020
Life-Event Centers
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Consumer Tips
You must eat whole, low-carb foods, such as meat, fish, eggs, vegetables, and natural fats, such as butter and olive oil. Stick to foods with less than 5% of carbohydrates.
New things to Learn Online During Quarantine
May 8, 2020Business Services
As you develop your business plan, you focus on your products, your mission statement and your employees.
