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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

To find the best deals and save as much money as possible when shopping, you will first need to do

Career Planning

As most of us know, making your way up the ladder no matter what your job is will require you to have a certain skill level. Therefore, there is nothing that will help you move up the ladder than learning all the skills that will come in hand and simply striving to be the best at your job.


Consumer Financing Issues

When it comes to your finances, you have the option of choosing a bank or credit union. You can get your financial needs taken care of at either, as both institutions offer the same or similar services.

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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Managing Your Credit

There’s no number in your life quite as important as your credit score.

Taking Care of Debt

Living with debt can feel like a burden, especially if you’re hoping to buy a home. Perhaps you want to close on a house within the next six to twelve months. But you worry that your debt will prevent you from getting the keys to the home you truly want.


The Game of Life

Owning a car can be expensive. There are all sorts of costs that go along with it besides just actually purchasing the car.

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.

Owning a car can be expensive. There are all sorts of costs that go along with it besides just actually purchasing the car.

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.


About Home

Of all the things you can experience as a homeowner, seeing your home damaged after a natural disaster is one of the most stressful and potentially life-changing.

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

When you decide to buy a home, you’ll be faced with years of planning. Between saving up for a down payment, getting your credit in order, and applying to be pre-approved by a lender, it can take several years before you can begin seriously looking for your new home.

Making the move to solar energy will bring many benefits. This is a move that entails a switch to a mode of energy that is far safer, more reliable, and cost-effective.

Sometimes, you need to sell your home as quickly as possible. Maybe you need your cash for something important, or maybe you’re just excited to start your new life.

Are you planning to relocate to a new town and need to pack up all of your assets?? Train yourself on the ins and outs of common moving scams while hiring a moving company.

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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

A family road trip can be an exciting experience for everyone. However, it can also be an expensive activity for your wallet. Luckily, you do not have to break the bank to plan a successful road trip with your family.

Business Services

Though media attention tends to focus on the giants of the corporate sector, family-owned businesses are a valuable asset to the world of entrepreneurship.

Securing Your Intellectual Property

Securing Your Intellectual Property

  September 24, 2021