pixel

Career Planning

“Have you had a retirement wake up call?” Mary Hunt asks in one of her latest books. She sites a 2016 survey that found that around 94% of women of all ages don’t feel confident and educated enough to reach their retirement saving goals.

pixel

Consumer Financing Issues

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

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.

Many people may choose to stick with a particular investment for its attracting benefits. However, due to competition amongst lenders, personal loans are effortless to obtain.

When you figure that the average cost for a student to attend a one-year program at a public in-state university

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

Nowadays more than any other times in history, people are using credit cards to fuel their lifestyles. Many people don’t

Taking Care of Debt

Debt is a natural phenomenon in life. Sometimes, it can help you get through tough times. In other cases, it can cripple you…

pixel

The Game of Life

After an auto accident, drivers usually only think of the repair costs when their car is damaged. Unfortunately, they find out there are potentially several other costs that are easily forgotten and hidden.

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

pixel

About Home

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

Below are four tips to help make selling your house go more smoothly. Price Matters Pricing matters to both you

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

You must be aware that generally natural environments are full of items that could fulfill your nutritional requirements.

Business Services

Customer service is an integral part of your business that helps in maintaining and building customer relations. Your Customer service

pixel

pixel

Weekly Sunday Tips

Read More

You know the adage: “Too many dollars chasing too few goods” You might consider stocking up on food to have

Reason: Credit Card Debts Are Increasing So if your card is being axed, it’s time to look for a new