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

Manage Your Money

What is money management? It is living with your means but more importantly, building the skill sets necessary to grow your money supply.

First step is budgeting your spend and living within your means. Information and tools available

Credit cards (and debt cards) are replacing cash and checks. The downside of credit card purchasing is that we spend more than what we need. Learn to treat your cards as cash – and receive benefits.

The easiet and sure way to increase your money supply is lowering your bills and monthly spend. Some tips.

pixel

About Money

Does the idea of retiring with millions of dollars in your pocket excite you? If you answered yes, then you NEED to know the strategy that the most successful people use.

Career Planning

Carving out a career as a lawyer has always been one that many look at as impressive. Everything from all the years spent studying to gaining some first-hand experience on some high-profile cases, and the intense knowledge that can be gained from it results in you being highly regarded within the working world.

pixel

Consumer Financing Issues

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.

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.

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

Anybody can go through some sort of financial set back at one time or another. In most of these times, we usually find some way to straighten our finances and free ourselves from debt.

What Bankruptcy Can Do for You

What Bankruptcy Can Do for You

  October 15, 2018

pixel

The Game of Life

Car accidents are common but their implications can be excruciating if you get involved in a major one. From physical injuries to mental trauma, long-term disability and loss of employment, you may suffer in more than one way.

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.

Car accidents are common but their implications can be excruciating if you get involved in a major one. From physical injuries to mental trauma, long-term disability and loss of employment, you may suffer in more than one way.

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

Most people can never dream of spending a day without proper ventilation especially if you live in areas where the temperature gets so hot like Chesapeake.

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

The National Association of Realtors (NAR) reports that first-time home buyers — who have a median age of 32 and a median household income of $75,000 — make up roughly a third of the market.

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

Every year and every season brings in new sets of trends in the fashion world. It can be easy to want to spend money on new clothes and the hottest trends, especially as the weather changes from hot to cool.

Business Services

Marketing is going to be vital to your company’s success, but many of the most popular advertising tactics and strategies can be quite expensive.

How to Fund a Startup

How to Fund a Startup

  September 10, 2019

pixel

pixel