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About Money
In today’s fast-paced world, mastering financial planning is essential for everyone, especially young professionals, small business owners, and new investors.
Mastering IRA Withdrawals for Maximum Tax Efficiency in Retirement
November 30, 2024Career Planning
A wood chipper is a large machine that can cause injury quickly if you’re not safe. Follow these safety tips when you’re operating a wood chipper.
Navigating the Rising Tide of Unemployment with Confidence
October 11, 2024Types of Manufacturing Materials Engineers Should Know
October 8, 2024
Consumer Financing Issues
Credit Cards 101: How to Master Your Financial Arsenal
October 21, 2024Borrowing Money Wisely with Confidence and Clarity
October 18, 2024Credit Cards 101: How to Master Your Financial Arsenal
October 21, 2024What 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
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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
Steering into Tomorrow The Transformative Journey of Self-Driving Cars
September 13, 2024Higher Learning: What To Know When Applying for College
July 30, 2024Setting New Year Resolutions: A Guide to Making and Keeping Your Goals
December 29, 2023Achieve More With Less: The Art of Time Management
December 19, 20235 Effective Ways To Help You Stay Focused at Work
April 6, 2023How 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
How To Handle Unexpected Challenges During a Move
November 11, 2024How to Finance a Relocation for School or University
November 1, 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, 2024How To Handle Unexpected Challenges During a Move
November 11, 2024How to Finance a Relocation for School or University
November 1, 2024State-to-State Strategy: Your Ultimate Guide to Relocating
October 14, 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
Walking has long been a part of our daily life, often seen as just a means to get from one place to another. But recently, it’s been reimagined as a powerful form of exercise that’s accessible to everyone—from fitness enthusiasts to active seniors.
Stories of the Divine A Journey into the Existence of God
September 25, 2024How Emergency Crews Can Help With Disaster Cleanup
September 24, 2024Navigating Mental Health in Times of Turmoil
September 23, 2024Business Services
Your customers are the most important part of your laundromat business. Here are five compelling reasons to upgrade the laundromat customer experience.
Sustainable Building Practices and Principles for Builders
October 29, 2024The Importance of Minimum Stock Levels at Your Office
October 29, 2024Market Ready: How Contracting Companies Stay Competitive
October 23, 2024