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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 you think of your checking account, you may only think of money going in and out. The truth is that your checking account can offer you so much more.

How to Save Money on Insurance

How to Save Money on Insurance

  November 7, 2019

Career Planning

As important as obtaining a college degree is for many students fresh out of high school, not every individual is cut out for the academic lifestyle of a college campus.

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Consumer Financing Issues

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.

Every time that you swipe that credit card, the bank is loaning you money. Money, of course that you have. Wait… you don’t have the money?

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.

Credit has spread to the point that it is used for almost aspect of life these days. Even for transactions that don’t actually require credit, many businesses want you to have a good credit score.

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.

renovation note

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

As young adults, millennials usually face a rough job market in an unfavorable economy which makes it difficult to build their credit scores. Theirs is the lowest average credit score amongst all age groups.

Taking Care of Debt

The holidays are a tough time for many families, and you might be worried that your finances are going to be stretched too thin during the upcoming season.

What Bankruptcy Can Do for You

What Bankruptcy Can Do for You

  October 15, 2018

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The Game of Life

Most car owners come to the conclusion that they want to get rid of their car. While some may want to scrap it, most will want to either sell it or trade it in.

If you’re like most people out there, you’re probably wondering what it takes to be successful. I’ve often thought about this, and pondered the question myself.

Most car owners come to the conclusion that they want to get rid of their car. While some may want to scrap it, most will want to either sell it or trade it in.

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

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

You can make a big change with just some small home improvements. Here are the 7 best low budget home improvement tips that I can share with you.

Selling your home? If you are well prepared for the sale, you will probably succeed and find the right buyer for your home.

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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

The thing about skincare is no matter how much your research or experiment, it is best to leave it to the experts to advice on what is good for the skin. Each of our skin is unique, and its health is directly related to our overall health.

Business Services

It’s dangerous to venture into the world of E-commerce half-heartedly. When you go in, you have to be in it to win.

5 Ways to Reward Your Employees

5 Ways to Reward Your Employees

  November 2, 2019

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