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Credit Management

Why good credit management? Because good credit is needed to purchase items with favorable lending terms – and in some cases, employment.

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Consumer Financing Issues

Although the mortgage and real estate market has drastically changed over the last 18 months, there are ways that consumers can avoid or at least minimize the home buying stress factor.

With so many financial products and options, your proper judgment may easily become clouded especially if you have limited information

Perhaps most of us usually think that buying a home is always that easy. Well, I also think it should be but then it’s just unfortunate that this is usually not the case.

Although the mortgage and real estate market has drastically changed over the last 18 months, there are ways that consumers can avoid or at least minimize the home buying stress factor.

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

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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

Credit is a six-letter word with immense financial implications. In a nutshell, credit is the ability to borrow.

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.

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The Game of Life

If you have had a vehicle for any amount of time, you already know that car parts are essential to keeping your vehicle in safe running order.

Attaining financial freedom is a personal decision that an individual has to make. It looks hard to achieve but it is actually easy.

If you have had a vehicle for any amount of time, you already know that car parts are essential to keeping your vehicle in safe running order.

Many people miss out on the opportunity, because they do not believe that they can continue to financially support themselves

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

For you to have the peace of mind, it’s better that you get a home protection plan that will help cover all the items in your new home.

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

Nowadays, a house becomes yours after you rock it with the upcoming yard and remodeling projects, not after you sign that deed.

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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

To all the passionate people who look forward to generating income from “other sources,” here are some of the best instructions for investing using your mobile phone.

Business Services

You are probably aware that the best marketing strategy for your business is to combine online and offline techniques.

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