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About Money

Simply because something is considered an asset does not mean that it’s going to grow one’s wealth or net worth. There are various “assets” which at times fail to help grow one’s wealth. Listed below are a few examples.

Career Planning

Relatively few people are financially able to pay for a full year of tuition to college or trade school without taking out a substantial sum in loans.

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Consumer Financing Issues

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.

Credit cards for people with bad credit are easily accessible for anyone to have. While this option opens a wonderful

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.

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

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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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Managing Your Credit

Because the effects of lower credit scores are so far-reaching, finding a way to increase your credit scores is essential.

Taking Care of Debt

Startup and seasoned business, both require capital investment which they reap through loans. It is not easy to have enough money that you can establish the business without opting for any business loan.

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The Game of Life

The journey towards financial independence, freedom, or whatever you choose to call it is never that difficult – but it

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

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About Home

Money saving with real estate could sound like a dichotomy. Developing or owning real estate is money intensive and demands

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

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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

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

Business Services

Have you ever opened a product and paged through instructions in 4 or 5 different languages? Have you visited the Philippines or listened to a Mexican radio station and been amazed at rapid and fluent code-switching between English and Tagalog or English and Spanish in ads?

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Weekly Sunday Tips

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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