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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.

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About Money

Anyone that would like to prepare for their financial future needs to ensure they are taking all proper steps to build their retirement portfolio. One way you can do this is by investing through an IRA, which offers a range of different tax and investment benefits.

Career Planning

If you’re learning how to pick locks, most people might assume that you are up to criminal activity, but learning this essential skill could save your life.

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Consumer Financing Issues

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.

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.

2020 has been an uncertain year for everyone. Recent college graduates, current college students, and high school students have had a particularly difficult year, from an unstable job market to having to rethink their plans for higher education.

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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The Game of Life

There has been a great deal of hype as to the future of logistics and transport. Many now argue that last mile drone delivery and even robot trucks are the future of the industry.

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.

There has been a great deal of hype as to the future of logistics and transport. Many now argue that last mile drone delivery and even robot trucks are the future of the industry.

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

If you want to list your home for sale, you probably want to do everything you can to get the best market value. However, while selling a home seems easy, you have to consider various factors to ensure the best results.

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

Thinking it may be time to move from open house to housewarming party? Becoming a first time home buyer is a big commitment of both your time and money.

If you want to list your home for sale, you probably want to do everything you can to get the best market value. However, while selling a home seems easy, you have to consider various factors to ensure the best results.

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

home contractor
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

When you’re planning a school event, there are so many parts to manage. Here’s a broad overview of everything you need to know to organize a fall festival.

Business Services

An industrial business budget helps the management team keep control of all the business expenditures. It also helps them to manage their resources and achieve profitability. It helps them to track their performance and identify opportunities for growth.

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