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About Money
This write-up will guide you through essential money management strategies, ensuring you build a solid foundation for future success. By
A Penny Saved is a Penny Earned Creative Ways to Slash your Household Bills
September 11, 2024Managing the Details of Your Estate and Legal Will
September 9, 2024Craft Your Path to Financial Success with These Tips
August 23, 2024Career Planning
In todays dynamic job market, achieving career success is more than just moving up the corporate ladder; it’s about finding personal fulfillment and professional growth.
The Mechanics of Underwater Construction: What To Know
August 16, 20245 Skills for a Successful Career in Graphic Design
July 19, 2024Is Truck Driving a Viable Career Option for Gen Z?
July 10, 2024
Consumer Financing Issues
What Every Person Needs to Know About Credit Cards
February 22, 2019How to Avoid Bad Credit Score and Increase Your Credit Score
December 21, 2018What Credit Score Do You Need To Buy A House?
September 18, 2023Money Saving Methods on Home Loans
August 9, 2023Are Credit Unions Good for Mortgages?
July 26, 2023Demystifying Recreational Loans 101- When and How to Apply
January 22, 20245 Different Kinds of Loans and Their Upsides
November 29, 20237 Smart Income Ideas For College Students
September 30, 2019The Ultimate Cheat Sheet on Searching for Scholarships!
July 30, 2018Five Things You Need to Know About Scholarships
December 20, 2017
Consumer Financing Needs
Smart Financing Guides | ||||||||||||||||
For Making Smart Lending Decisions | ||||||||||||||||
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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. |
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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. |
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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. |
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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. |
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Managing Your Credit
Understanding your credit score is like finding the key to a treasure chest in personal finance. With an average of 160K+ monthly searches, “What is a good credit score?” tops the charts as the most sought-after personal finance question.
Strategies To Increase Your Credit Score
August 4, 20235 Steps to Take When Building Your Credit Score
January 24, 2022Credit Repair: How to Do it Yourself
November 25, 2020Taking Care of Debt
As the cost of living continues to rise, many individuals find themselves increasingly reliant on credit cards to meet everyday expenses. This dependency can quickly spiral into overwhelming debt, exacerbating financial stress and limiting future opportunities.
Smart Ways to Reduce High Interest Rates on Debt
August 21, 2023Get Your Loan Modified: 4 Tips for Success
February 28, 2023
The Game of Life
Higher Learning: What To Know When Applying for College
July 30, 2024How To Financially Plan for a Car Restoration
March 20, 2024Achieve More With Less: The Art of Time Management
December 19, 20235 Effective Ways To Help You Stay Focused at Work
April 6, 2023Tips and Ideas: How to Get More Things Done in Less Time
March 28, 2021How To Financially Plan for a Car Restoration
March 20, 2024Getting Help To Ease the Financial Burdens of a Car Accident
February 26, 2024Why Being a Safe Driver Is Good for Your Wallet
January 16, 2024Charting a Course Toward Financial Freedom in College
February 16, 2024Organization Tips for New College Undergraduates
December 6, 20225 Best Secondhand Items To Buy For College
August 29, 2022The 7 Best Android Apps For Students
March 25, 20225 Benefits of Social Media Monitoring
November 30, 20183 Social Media Marketing Habits for Career/Business Growth in 2018
February 21, 2018
About Home
What Contractors Need To Know About Skylights
August 19, 2024How To Balance Beauty and Function in Your Home Renovation
August 19, 2024How To Properly Prepare a Construction Site
February 8, 2024The Importance of Building Surveying Services
April 4, 20235 Services You Need Before You Break Ground on a New House
March 22, 2023Essential Factors for Selling Your Home Successfully
January 15, 2024Why Spring is the Best Time to Sell Your Home
January 8, 2024Moving for a Job: Is It the Right Choice for You?
June 13, 2024
Life-Event Centers
Helping You Make Life Decisions | ||||||
For Education (open new win) | ||||||
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Helping You Make Life Decisions | ||||||||
For Education (open new win) | ||||||||
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Helping You Make Life Decisions | ||||||
For the Auto-Travel-Business (open new win) | ||||||
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Consumer Tips
Whether you’re a spiritual seeker, a philosophy enthusiast, or simply someone with an insatiable curiosity, the quest for understanding the
How Emergency Crews Can Help With Disaster Cleanup
September 24, 2024Navigating Mental Health in Times of Turmoil
September 23, 2024Hauntingly Delightful Decor Tips for the Perfect Halloween Vibe
September 6, 2024Business Services
Installing a loading dock is an investment that requires careful planning. Learn more about what to consider before starting this useful project!
Maximizing Your Online Presence: Unlocking Success for Your Business
September 18, 2024Why Your Business Should Give the Option to Work From Home
September 16, 2024How Small Businesses Can Cut Costs Without Cutting Corners
September 13, 2024