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Credit Management

Why good credit management? Because good credit is needed to purchase items with favorable lending terms – and in some cases, employment.

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About Money

Investing is an art that requires a lot of skill. If only a person could know ahead of time that they would reap a massive return on an investment, making money would be a much easier prospect in life.

Career Planning

Getting a high paid job straight after graduating is one of the main aims for students, but how do you guarantee it?

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Consumer Financing Issues

If you’ve been following the real estate news in Armagh, Ireland over the past few years, you will notice that there have been complaints of how progressively difficult it was becoming for people to become home owners. The reason for this has been chucked down to the steady rise in the price of real estate and the much slower rate at which average wages are increasing.

Every time that you swipe that credit card, the bank is loaning you money. Money, of course that you have. Wait… you don’t have the money?

If you’ve been following the real estate news in Armagh, Ireland over the past few years, you will notice that there have been complaints of how progressively difficult it was becoming for people to become home owners. The reason for this has been chucked down to the steady rise in the price of real estate and the much slower rate at which average wages are increasing.

Credit has spread to the point that it is used for almost aspect of life these days. Even for transactions that don’t actually require credit, many businesses want you to have a good credit score.

This awesome cheat sheet will make the process of searching and finding the best scholarships significantly easier.

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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

As young adults, millennials usually face a rough job market in an unfavorable economy which makes it difficult to build their credit scores. Theirs is the lowest average credit score amongst all age groups.

Taking Care of Debt

Poor financial planning exposes many businesses to the risk of running out of cash for expenditure. Filing for bankruptcy can be the best decision to make when an individual or a business is facing serious financial problems.

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The Game of Life

If you’re like most people out there, you’re probably wondering what it takes to be successful. I’ve often thought about this, and pondered the question myself.

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

With more young people entering the housing market in the past two years, there is no doubt that more people have their eye on the real estate market.

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

With more young people entering the housing market in the past two years, there is no doubt that more people have their eye on the real estate market.

You can make a big change with just some small home improvements. Here are the 7 best low budget home improvement tips that I can share with you.

Selling your home? If you are well prepared for the sale, you will probably succeed and find the right buyer for your home.

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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

Every parent wants a beautiful and healthy smile for their child. Not all of us are blessed with perfectly proportioned teeth or symmetrical jaws.

Business Services

While small business owners have numerous goals, it’s important to remember that one of their primary objectives is gaining big support from donors, organizations, and individuals.

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