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Manage Your Money

What is money management? It is living with your means but more importantly, building the skill sets necessary to grow your money supply.

First step is budgeting your spend and living within your means. Information and tools available

Credit cards (and debt cards) are replacing cash and checks. The downside of credit card purchasing is that we spend more than what we need. Learn to treat your cards as cash – and receive benefits.

The easiet and sure way to increase your money supply is lowering your bills and monthly spend. Some tips.

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About Money

Millions of people are leaving their jobs right now as they hope to make a living doing things they enjoy more. Others are simply looking for anything that is in demand so they have job security.

Career Planning

You can save lives and make a great living by entering the medical field. Check out these different pharmaceutical careers and their responsibilities.

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Consumer Financing Issues

Applying for a loan is an excellent way of financing one’s expenses. Financial institutions offer different types of loans to cover various needs. Making an application can come with some uncertainties, especially if it is your first time. You may find yourself wondering if you need it or how it might affect your life…

Obtaining a home equity loan means that you’re going to have extra cash at your disposal. This type of loan is also exciting because it means that you’ve built up equity in your house.

Applying for a loan is an excellent way of financing one’s expenses. Financial institutions offer different types of loans to cover various needs. Making an application can come with some uncertainties, especially if it is your first time. You may find yourself wondering if you need it or how it might affect your life…

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

Living with debt can feel like a burden, especially if you’re hoping to buy a home. Perhaps you want to close on a house within the next six to twelve months. But you worry that your debt will prevent you from getting the keys to the home you truly want.

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The Game of Life

Owning a car can be expensive. There are all sorts of costs that go along with it besides just actually purchasing the car.

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.

Owning a car can be expensive. There are all sorts of costs that go along with it besides just actually purchasing the car.

College isn’t necessarily cheap. But it doesn’t have to break the bank, either. Learn to cut down on unnecessary spending while you’re in college. It’s one of the keys to graduating with as little debt and in the best financial situation as possible.

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

Moving out on your own can be stressful if you don’t know what you need. Prepare yourself with this list of furniture you need in your first apartment.

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

Buying a home is one of the most exciting things in your life. It’s also an investment, and it will have a significant impact on your financial future.

The kitchen is the heart of your home. With that in mind, it’s safe to say that a kitchen renovation will breathe life into your living space and make it more practical and stylish.

Whether you’re buying or selling, you should always question your realtor before committing. Real estate deals are some of the largest transactions in your life.

Are you planning to relocate to a new town and need to pack up all of your assets?? Train yourself on the ins and outs of common moving scams while hiring a moving company.

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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

Winning a personal injury lawsuit can sometimes be difficult. However, if you can prove the existence of certain legal principles in your case, you can certainly win a large amount from damages from a jury to compensate for your injury.

Business Services

However, just by owning a commercial sprinter van, you can increase your earnings significantly without taking out loans for a

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