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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.

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About Money

Planning for retirement might not seem like a priority when you’re managing day-to-day expenses and saving for shorter-term goals. But ensuring you have enough money set aside for those post-working years is essential to maintaining financial independence and enjoying a stress-free retirement.

Career Planning

Are you trying to pave a career in the tech business? Break into the tech industry by using our strategies to make this process far less stressful.

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Consumer Financing Issues

Credit card rebate awards can be a valuable financial tool if used wisely, particularly for tech-savvy consumers who are always looking for smarter ways to manage their finances.

Credit card rebate awards can be a valuable financial tool if used wisely, particularly for tech-savvy consumers who are always looking for smarter ways to manage their finances.

Refinancing your home can be a smart financial move, but it’s essential to understand the process and benefits before proceeding.

In the field of personal finance stability and growth are often seen as the ultimate goal. One financial tool continues to offer a solid stepping stone toward a brighter future – the installment loan.

If you’re a college student who needs some extra cash, you can take on a side job that will help you get the money to pay for tuition, food, and other college-related expenses.

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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

In today’s digital age, identity theft has become an alarmingly common issue that affects consumers and small businesses alike.

Taking Care of Debt

If you’re renting and filing for bankruptcy, you probably have questions about your rights as a tenant. This blog will explore your tenant rights.

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The Game of Life

Daylight Saving Time (DST) has been a staple of our clocks and calendars for over a century, requiring people around the world to adjust their clocks twice a year.

In the fast-paced world of entrepreneurship, the quest for success is a never-ending pursuit. Entrepreneurs, business professionals, and startups are constantly seeking the elusive formula that will catapult them to the pinnacle of achievement.

College life is a lot of work, but it can also be an exciting adventure. Here’s what to know before applying to ensure you get the most from the experience.

In today’s fast-paced digital world, social media is a major part of our lives. From keeping in touch with friends and family to shopping online, social media platforms make everything more accessible and connected.

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About Home

Have you ever wondered what lies beneath the walls and ceilings of old buildings that give them their unique, vintage charm? They may be historic treasures, but lurking within these structures is a silent danger: asbestos.

Adding innovation to your construction firm can help you reduce expenses. Learn about five technologies that can lower your construction costs.

Learn how utility poles affect property aesthetics, safety, the environment, and value. Use these key insights to shape your home-buying decisions.

Have you ever wondered what lies beneath the walls and ceilings of old buildings that give them their unique, vintage charm? They may be historic treasures, but lurking within these structures is a silent danger: asbestos.

However, with the right approach and preparation, you can turn the process from daunting to rewarding, securing the best possible

Relocating to a new city or country can be exciting but often brings unexpected financial challenges. Prices for housing, groceries, utilities, and transportation may be higher or lower than what you are used to.

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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 world of health and fitness is transforming, and at the center of this evolution lie biomonitoring and wearable technologies. These innovations are empowering individuals to gain deeper insights into their bodies and health behaviors.

Business Services

Operating a hydroponic farm involves more than growing plants. Learn the five things to remember when starting a hydroponic farm so it can flourish.

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