Did You Say ... help with ... Money ... Credit ... Debt ... Career?
When you think of your checking account, you may only think of money going in and out. The truth is that your checking account can offer you so much more.
As important as obtaining a college degree is for many students fresh out of high school, not every individual is cut out for the academic lifestyle of a college campus.
Consumer Financing Issues
Every time that you swipe that credit card, the bank is loaning you money. Money, of course that you have. Wait… you don’t have the money?
If you’ve been following the real estate news in Armagh, Ireland over the past few years, you will notice that there have been complaints of how progressively difficult it was becoming for people to become home owners. The reason for this has been chucked down to the steady rise in the price of real estate and the much slower rate at which average wages are increasing.
Consumer Financing Needs
|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.
|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.
|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.
|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.
Managing Your Credit
As young adults, millennials usually face a rough job market in an unfavorable economy which makes it difficult to build their credit scores. Theirs is the lowest average credit score amongst all age groups.
Taking Care of Debt
The holidays are a tough time for many families, and you might be worried that your finances are going to be stretched too thin during the upcoming season.
The Game of Life
If you’re like most people out there, you’re probably wondering what it takes to be successful. I’ve often thought about this, and pondered the question myself.
Leaving home for college for the first time is usually exciting, but it can also be stressful.
Fortunately, there are several tips that can be followed that could help you to save money when you are trying
When someone buys a home, they will spend more than the actual price of the home itself. It is important
The thing about skincare is no matter how much your research or experiment, it is best to leave it to the experts to advice on what is good for the skin. Each of our skin is unique, and its health is directly related to our overall health.
It’s dangerous to venture into the world of E-commerce half-heartedly. When you go in, you have to be in it to win.