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Manage Your Money

What is money management? It is living with your means but more importantly, building the skill sets necessary to grow your money supply.

First step is budgeting your spend and living within your means. Information and tools available

Credit cards (and debt cards) are replacing cash and checks. The downside of credit card purchasing is that we spend more than what we need. Learn to treat your cards as cash – and receive benefits.

The easiet and sure way to increase your money supply is lowering your bills and monthly spend. Some tips.

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About Money

Retirement is a significant milestone in every working individual’s life, but the age at which people retire and the systems supporting them vary dramatically across the globe.

Career Planning

The world is rapidly evolving, and few advancements have been as revolutionary as artificial intelligence (AI). From healthcare to finance, AI is reshaping how industries operate and creating opportunities for professionals to thrive.

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Consumer Financing Issues

Credit card rebate awards can be a valuable financial tool if used wisely, particularly for tech-savvy consumers who are always looking for smarter ways to manage their finances.

Credit card rebate awards can be a valuable financial tool if used wisely, particularly for tech-savvy consumers who are always looking for smarter ways to manage their finances.

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

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

Taking Care of Debt

Filing for bankruptcy is not an easy decision, but for many, it can provide a much-needed lifeline in the face of overwhelming debt. Bankruptcy is designed to help individuals and businesses restructure or eliminate their financial obligations, offering a fresh start.

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The Game of Life

Shopping for a car? Learn how to decide what feature your vehicle needs, decode terminology, and evaluate financing options before you make a decision.

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.

Shopping for a car? Learn how to decide what feature your vehicle needs, decode terminology, and evaluate financing options before you make a decision.

College has a way of making you dream big while emptying your pockets even faster. It’s a promise of better things ahead—but that promise often comes with a heavy price tag that hangs around long after the diploma.

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

Adding innovation to your construction firm can help you reduce expenses. Learn about five technologies that can lower your construction costs.

Learn how utility poles affect property aesthetics, safety, the environment, and value. Use these key insights to shape your home-buying decisions.

Upgrading the home isn’t just about creating a space that is visually appealing and makes you proud, but also helps you with the cost of living.

If you want to attract buyers or create a more enjoyable space, here are five ways to increase the value of your rural property that any homeowner can tackle.

Swapping the towering skyline for open skies can feel like a breath of fresh air—or a leap into the unknown. Moving from a bustling metropolis to a slower-paced town isn’t just about changing your zip code; it’s a lifestyle shift that touches everything from your social life to your career trajectory.

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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

It’s easy to feel overwhelmed by all the tasks you have to do in a day. However, with these tips, you can improve focus and accomplish more!

Business Services

The beauty industry is one of the largest economic markets in the world. Each year, billions are spent on the marketing and production of countless beauty products designed to make us look and feel our best.

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