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About Money

Most people were raised with the idea that to earn money you need to find a job. Work the significant hours then get paid for it.

Career Planning

You would be nowhere without your education, which is why you have such a strong desire to educate. Your family and friends admit you are braver than they could ever be.

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Consumer Financing Issues

With so many financial products and options, your proper judgment may easily become clouded especially if you have limited information

Perhaps most of us usually think that buying a home is always that easy. Well, I also think it should be but then it’s just unfortunate that this is usually not the case.

Many people may choose to stick with a particular investment for its attracting benefits. However, due to competition amongst lenders, personal loans are effortless to obtain.

This awesome cheat sheet will make the process of searching and finding the best scholarships significantly easier.

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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

Your credit history plays a big part in whether a seller will approve you for a large or expensive purchase. The whole process is still tough even if you have a stable income and a great track record with regard to employment.

Taking Care of Debt

A 2017 survey on banking habits in the US revealed that 57% of American citizens have less than $1,000 in their personal savings accounts. The primary reason for such dismal figures is that Americans are struggling with debt leaving little room for savings.

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The Game of Life

After an auto accident, drivers usually only think of the repair costs when their car is damaged. Unfortunately, they find out there are potentially several other costs that are easily forgotten and hidden.

Many people miss out on the opportunity, because they do not believe that they can continue to financially support themselves

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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

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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

To all the passionate people who look forward to generating income from “other sources,” here are some of the best instructions for investing using your mobile phone.

Business Services

Your finances are the most important part of your business. After all, if you don’t bring in the right amount of revenue to offset expenses, you will eventually go under.

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Weekly Sunday Tips

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You know the adage: “Too many dollars chasing too few goods” You might consider stocking up on food to have

Reason: Credit Card Debts Are Increasing So if your card is being axed, it’s time to look for a new