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Financing Guides

There are all types of consumer financing. There are home purchase loans, mortgage refi, auto loans, student loans, credit cards and more. Before you apply, get educated.

Home loans include purchase mortgages, home refi and home equity lending. These loans are secured by the value of the your home asset

Auto loans for new and used vehicles. Student loans have both federal and private loans. Debt relief helps to reduce monthly debt payments.

The most common form of financing is credit cards. Learn how to use them wisely without going into debt.

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About Money

The dotcom bubble was a period (1995-2000) of extreme rise in the stock prices of internet-related companies. It’s referred to as a “bubble” because the asset price speculations were not realistic.

Career Planning

You love writing, and you’ve decided to turn that passion into an income. Thanks to the high demand for writers, it’s a great choice. Still, you may be wondering how you will find work.

How To Land Your Dream Job

How To Land Your Dream Job

  July 22, 2021

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Consumer Financing Issues

Obtaining a home equity loan means that you’re going to have extra cash at your disposal. This type of loan is also exciting because it means that you’ve built up equity in your house.

Obtaining a home equity loan means that you’re going to have extra cash at your disposal. This type of loan is also exciting because it means that you’ve built up equity in your house.

2020 has been an uncertain year for everyone. Recent college graduates, current college students, and high school students have had a particularly difficult year, from an unstable job market to having to rethink their plans for higher education.

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.

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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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The Game of Life

College isn’t necessarily cheap. But it doesn’t have to break the bank, either. Learn to cut down on unnecessary spending while you’re in college. It’s one of the keys to graduating with as little debt and in the best financial situation as possible.

If you are like most people, you most likely put up more hours when you have a lot to do in a day. Yet at the end of the day, you still have items to tick off your to-do list and still feel unaccomplished.

You need a new car but also want to get a good deal. The only problem is figuring out how to accomplish that.

College isn’t necessarily cheap. But it doesn’t have to break the bank, either. Learn to cut down on unnecessary spending while you’re in college. It’s one of the keys to graduating with as little debt and in the best financial situation as possible.

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

Moving can be exciting, but it’s also a lot of work and can be very expensive. It’s a major life change and can put a serious dent in your wallet, so it’s best to budget your moving expenses a few months before the actual move.

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

Homes are a huge investment that you could potentially spend the next few decades paying off. Because of the immense price, you’re going to want to save as much money as possible when you initially purchase the house and, as well as to prepare for future repairs and renovations.

Working from home is a double-edged sword. It can be a complete blessing to wake up and start your computer while you’re still in pyjamas, or an absolute curse when it comes to productivity. How can you grasp the best of both worlds and effectively indulge in work from home?

Inspection surprises, negotiation deadlocks, buyers with over-the-roof demands are obstacles that lace every property sale. According to a 2019 report from the National Association of Realtors (NAR), merely 66 percent of home sellers were content with the home selling procedure.

Moving can be exciting, but it’s also a lot of work and can be very expensive. It’s a major life change and can put a serious dent in your wallet, so it’s best to budget your moving expenses a few months before the actual move.

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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

There are countless routes that might lead to this place: health conditions, car accidents, military service. However it happened, the moment you find yourself without full mobility can feel like a sharp, final ending to what you thought your life would look like.

Business Services

You’d be surprised to find that many businesses don’t know what to look for in a Chief Financial Officer (CFO). If you’re looking for a CFO with expertise, you’re not alone.

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