Did You Say ... help with ... Money ... Credit ... Debt ... Career?

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.

pixel

About Money

While some financial setbacks, like losing a job or having a medical emergency, are out of our hands, there are other setbacks that could’ve been avoided with better planning. Of course, hindsight is 20/20—the important thing is to keep learning from your experiences.

Career Planning

History is nothing but a plethora of trends and shifts in how humans live. While there are certainly many examples of this dynamic world of ours, the world of business is arguably one of the most dynamic instances of how nothing lasts forever.

pixel

Consumer Financing Issues

For most people around the world, buying a home is their biggest investment. Taking out a mortgage provides a convenient method of financing the purchase.

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?

For most people around the world, buying a home is their biggest investment. Taking out a mortgage provides a convenient method of financing the purchase.

Credit has spread to the point that it is used for almost aspect of life these days. Even for transactions that don’t actually require credit, many businesses want you to have a good credit score.

This awesome cheat sheet will make the process of searching and finding the best scholarships significantly easier.

renovation note

Consumer Financing Needs

home contractor
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

end remodeling note

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

Poor financial planning exposes many businesses to the risk of running out of cash for expenditure. Filing for bankruptcy can be the best decision to make when an individual or a business is facing serious financial problems.

pixel

The Game of Life

There is no greater joy than raising a child. Life takes on a new meaning as you watch your kids discover new talents, try new foods and enjoy a vacation.

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.

Getting a great price on a used car is easier than you might think. You just need to choose the right dealer.

Living on campus is very convenient, you can go to school without traffic. But living off campus have some good benefits, too.

It’s undeniable that social media presence plays a key role in the prestige and renown of any Australian business in 2018.

pixel

About Home

Selling your home? If you are well prepared for the sale, you will probably succeed and find the right buyer for your home.

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

Owning a home can be a rewarding experience for many individuals and their families. However, home ownership can also be very expensive.

You can make a big change with just some small home improvements. Here are the 7 best low budget home improvement tips that I can share with you.

Selling your home? If you are well prepared for the sale, you will probably succeed and find the right buyer for your home.

renovation note

Life-Event Centers

home contractor
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

home contractor
Helping You Make Life Decisions
For the Auto-Travel-Business (open new win)
Auto Buying
Making Travel
Buying a Business

end renovation note

Consumer Tips

If you’re worried about what might happen to you financially after getting into a car accident, there are some important details that you should be aware of if you want to secure your financial well-being.

Business Services

Managing finances is one of the biggest responsibilities of running a company. Consequently, business owners will have lots of financial questions and concerns.

pixel

pixel