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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.

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About Money

In today’s fast-paced world, mastering financial planning is essential for everyone, especially young professionals, small business owners, and new investors.

Career Planning

A wood chipper is a large machine that can cause injury quickly if you’re not safe. Follow these safety tips when you’re operating a wood chipper.

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Consumer Financing Issues

In recent years, credit card usage among American consumers has soared to unprecedented levels. This trend is more than just a financial statistic—it reflects the shifting dynamics of consumer behavior and economic pressures.

In recent years, credit card usage among American consumers has soared to unprecedented levels. This trend is more than just a financial statistic—it reflects the shifting dynamics of consumer behavior and economic pressures.

Refinancing your home can be a smart financial move, but it’s essential to understand the process and benefits before proceeding.

In the field of personal finance stability and growth are often seen as the ultimate goal. One financial tool continues to offer a solid stepping stone toward a brighter future – the installment loan.

If you’re a college student who needs some extra cash, you can take on a side job that will help you get the money to pay for tuition, food, and other college-related expenses.

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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

Understanding your credit score is like finding the key to a treasure chest in personal finance. With an average of 160K+ monthly searches, “What is a good credit score?” tops the charts as the most sought-after personal finance question.

Taking Care of Debt

As the cost of living continues to rise, many individuals find themselves increasingly reliant on credit cards to meet everyday expenses. This dependency can quickly spiral into overwhelming debt, exacerbating financial stress and limiting future opportunities.

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The Game of Life

In the fast-paced world of entrepreneurship, the quest for success is a never-ending pursuit. Entrepreneurs, business professionals, and startups are constantly seeking the elusive formula that will catapult them to the pinnacle of achievement.

In the fast-paced world of entrepreneurship, the quest for success is a never-ending pursuit. Entrepreneurs, business professionals, and startups are constantly seeking the elusive formula that will catapult them to the pinnacle of achievement.

Imagine a world where your car drives you to work, while you enjoy your coffee and read the morning news. This is not just a scene from a sci-fi movie but a glimpse into the future of transportation thanks to the development of self-driving cars.

College life is a lot of work, but it can also be an exciting adventure. Here’s what to know before applying to ensure you get the most from the experience.

In today’s fast-paced digital world, social media is a major part of our lives. From keeping in touch with friends and family to shopping online, social media platforms make everything more accessible and connected.

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About Home

In today’s housing market, the debate over renting versus buying has grown increasingly complex. While homeownership has long been touted as a staple of financial success and stability, the landscape of real estate has shifted dramatically, making renting a more appealing choice for many.

Contractors need to learn what they can about skylights before installing one into a building. Here’s what to know about skylights before installing them.

However, with the right approach and preparation, you can turn the process from daunting to rewarding, securing the best possible

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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

Walking has long been a part of our daily life, often seen as just a means to get from one place to another. But recently, it’s been reimagined as a powerful form of exercise that’s accessible to everyone—from fitness enthusiasts to active seniors.

Business Services

Your customers are the most important part of your laundromat business. Here are five compelling reasons to upgrade the laundromat customer experience.

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