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Career Management

Your career is ever growing – at least it should be. If not, you may need to find another career that will bring the prosperity you need.

Some pointers to help you select the right career

Tips on career prep and finding best career job

Now it’s time to advance your career via networking

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About Money

Long term disabilities, as the name suggests, are the disabilities that can put you out of work. Since they actually deprive you of your main source of income, such disabilities can be very unfortunate indeed.

Tips on Personal Finance

Tips on Personal Finance

  November 25, 2019

Career Planning

As a new police officer, you may have a number of questions running through your head. It’s a big job with a lot of responsibility, so it’s understandable if you’re a little hesitant when you’re first starting out.

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Consumer Financing Issues

With a cosigner unlocking more lending options than you would on your own, doubling up on your application may sound appealing. But is it always the right option for your finances?

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.

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.

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

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

Getting out of debt may seem like a long, arduous climb to those deep in how much they owe. Though it may feel overwhelming, the fact of the matter is that clearing your debt always begins with planning.

What Bankruptcy Can Do for You

What Bankruptcy Can Do for You

  October 15, 2018

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The Game of Life

Most car owners come to the conclusion that they want to get rid of their car. While some may want to scrap it, most will want to either sell it or trade it in.

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.

Most car owners come to the conclusion that they want to get rid of their car. While some may want to scrap it, most will want to either sell it or trade it in.

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

Shopping for a new home can be intimidating since you have so much at stake where you decide to plant your roots. In addition to wanting a home that will hold its value, you also want a location that is safe, full of potential, and right for your needs.

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

Every homeowner wants to make the most of their property. If you barely use your garage, you might be sitting on a goldmine.

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

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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

If you have been given various collectible items over the years or have been involved in collecting attractive or valuable items, you may decide at some point to sell them if they are no longer wanted or needed.

7 Best Places to Visit in France

7 Best Places to Visit in France

  December 9, 2019

Business Services

Our society tends to prioritize some winter holidays more than others, but they all deserve celebration. However, this is often difficult in a group setting such as an office, since different people have different beliefs.

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