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Financing Guides
There are all types of consumer financing. There are home purchase loans, mortgage refi, auto loans, student loans, credit cards and more. Before you apply, get educated.
Home loans include purchase mortgages, home refi and home equity lending. These loans are secured by the value of the your home asset
Auto loans for new and used vehicles. Student loans have both federal and private loans. Debt relief helps to reduce monthly debt payments.
The most common form of financing is credit cards. Learn how to use them wisely without going into debt.
About Money
Are you looking for ways to make money while you sleep? With a little bit of research and some strategic planning, you can earn passive income that requires minimal effort and yields consistent returns.

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Most people don’t know how to maximize their learning potential. As a result, their education becomes a chore rather than an inspiring experience. Fortunately, there are steps you can take to become a more effective learner and make the most of your educational opportunities.

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Consumer Financing Issues

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What Every Person Needs to Know About Credit Cards
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How to Avoid Bad Credit Score and Increase Your Credit Score
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5 Tips From Professionals for First-Time Home Buyers
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How To Financially Prepare For Paying A Monthly Mortgage
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Adulting 101: How to Finance a Car
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7 Smart Income Ideas For College Students
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The Ultimate Cheat Sheet on Searching for Scholarships!
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Five Things You Need to Know About Scholarships
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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. |
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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
To live your best financial life, you must have good credit. However, if you’re establishing credit for the first time, you may be unsure where to begin.

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April 3, 2020Taking Care of Debt
Are you struggling to make your loan payments each month? If so, a loan modification might be the answer.

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The Game of Life

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Organization Tips for New College Undergraduates
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5 Steps to Attaining Financial Freedom
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Questions To Ask the Next Time You Go to the Mechanic
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What You Should Know About Electric Vehicles
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How To Save Money On Car Repairs
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5 Best Secondhand Items To Buy For College
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5 Financial Tips for Every College Student
March 17, 2022
5 Benefits of Social Media Monitoring
November 30, 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
About Home

The Benefits of Flat Roofs for Commercial Buildings
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6 Easy Ways to Revamp Your Master Bedroom
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Money Saving with Real Estate
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How to Sell Your Home for More Money
January 6, 2022
8 Questions to Ask a Real Estate Agent
November 12, 2021
5 Tips for Selling Your Home Fast
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3 Easy Ways To Make Relocating Less Stressful
January 4, 2023
9 Common Moving Scams and How to Avoid Them
August 9, 2021
Life-Event Centers

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Consumer Tips
Women’s History Month is a great time of year to brush up on your knowledge about women in today’s world. Let’s find ways to honor them appropriately.

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However, you should try to make sure it’s worth the money you put into it. If you’re looking to enrich

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