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Helpful Tools for Managing Life
Life has it challenges from managing money, building your career, sustaining good credit and keeping yourself out of debt. Here are some helpful tools to help.
A collection of forms, maps and worksheets to help in your life decision making. They are FREE without registration.
Some simple calculators to estimate lending costs and running ratio analysis
Need to make decisions? Or perhaps need some guidance? These resources might help.
About Money
Planning for retirement might not seem like a priority when you’re managing day-to-day expenses and saving for shorter-term goals. But ensuring you have enough money set aside for those post-working years is essential to maintaining financial independence and enjoying a stress-free retirement.

5 Tips for Business Investments With a Self-Directed IRA
March 10, 2025
Ways You Can Save Money as an Apartment Renter
March 7, 2025Career Planning
Are you trying to pave a career in the tech business? Break into the tech industry by using our strategies to make this process far less stressful.

5 Tips for Applying for a Federal Government Job
January 24, 2025
Cosmetologist vs Esthetician: What’s the Difference?
January 17, 2025
Safety Tips When Operating a Wood Chipper
October 21, 2024
Consumer Financing Issues

Understanding The Basics: An In-Depth Guide To Home Loans
January 30, 2025
Navigating the Swell of Credit Card Usage in the U.S.
November 18, 2024
Navigating the Swell of Credit Card Usage in the U.S.
November 18, 2024
Credit Cards 101: How to Master Your Financial Arsenal
October 21, 2024
What Credit Score Do You Need To Buy A House?
September 18, 2023
Money Saving Methods on Home Loans
August 9, 2023
Are Credit Unions Good for Mortgages?
July 26, 2023
Demystifying Recreational Loans 101- When and How to Apply
January 22, 2024
5 Different Kinds of Loans and Their Upsides
November 29, 2023
7 Smart Income Ideas For College Students
September 30, 2019
The Ultimate Cheat Sheet on Searching for Scholarships!
July 30, 2018
Five Things You Need to Know About Scholarships
December 20, 2017
Consumer Financing Needs

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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
In today’s digital age, identity theft has become an alarmingly common issue that affects consumers and small businesses alike.

Cracking the Credit Code What Makes a Good Credit Score
September 16, 2024
Strategies To Increase Your Credit Score
August 4, 2023
5 Steps to Take When Building Your Credit Score
January 24, 2022Taking Care of Debt
If you’re renting and filing for bankruptcy, you probably have questions about your rights as a tenant. This blog will explore your tenant rights.

Smart Ways to Reduce High Interest Rates on Debt
August 21, 2023
The Game of Life

Unveiling the Road to Success in Business and Life
November 8, 2024
Setting New Year Resolutions: A Guide to Making and Keeping Your Goals
December 29, 2023
Achieve More With Less: The Art of Time Management
December 19, 2023
5 Effective Ways To Help You Stay Focused at Work
April 6, 2023
Steering into Tomorrow The Transformative Journey of Self-Driving Cars
September 13, 2024
How To Financially Plan for a Car Restoration
March 20, 2024
Getting Help To Ease the Financial Burdens of a Car Accident
February 26, 2024
Charting a Course Toward Financial Freedom in College
February 16, 2024
Organization Tips for New College Undergraduates
December 6, 2022
5 Best Secondhand Items To Buy For College
August 29, 2022
The 7 Best Android Apps For Students
March 25, 2022
5 Benefits of Social Media Monitoring
November 30, 2018
3 Social Media Marketing Habits for Career/Business Growth in 2018
February 21, 2018
About Home

How Utility Poles Can Impact Your Home Purchasing Decisions
February 11, 2025
A Quick Guide to Transitioning From Renting to Homeownership
February 11, 2025
Understanding the Services of Custom Granny Flat Builders
December 27, 2024
How To Properly Prepare a Construction Site
February 8, 2024
A Quick Guide to Transitioning From Renting to Homeownership
February 11, 2025
Your Journey to Homeownership: How to Turn Dreams into Reality
January 20, 2025
Bridgerton-Inspired Home Decor to Channel Regency-Core
February 3, 2025
What Contractors Need To Know About Skylights
August 19, 2024
Essential Factors for Selling Your Home Successfully
January 15, 2024
Why Spring is the Best Time to Sell Your Home
January 8, 2024
How To Handle Unexpected Challenges During a Move
November 11, 2024
How to Finance a Relocation for School or University
November 1, 2024
Life-Event Centers

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Consumer Tips
The world of health and fitness is transforming, and at the center of this evolution lie biomonitoring and wearable technologies. These innovations are empowering individuals to gain deeper insights into their bodies and health behaviors.

Rediscovering Fitness Walking as a Fun and Accessible Exercise
November 11, 2024
Stories of the Divine A Journey into the Existence of God
September 25, 2024Business Services
Operating a hydroponic farm involves more than growing plants. Learn the five things to remember when starting a hydroponic farm so it can flourish.

5 Signs That a Buyer Is a Bad Fit for Your Company
March 11, 2025
How Each Generation Views Advertisements
March 4, 2025
Australia’s Most Wanted Real Estate Hotspots in 2025
February 21, 2025