Did You Say ... help with ... Money ... Credit ... Debt ... Career?
It’s not uncommon to experience an unexpected financial crisis at some point. We all need to have a contingency plan for when the budget goes off track due to problematic circumstances.
Already have your eyes set on law school? Even though law school itself may be a few years down the road, it doesn’t hurt to start thinking about just which area you may like to focus on in the coming years.
Consumer Financing Issues
Everyone wants to save more with a minimal investment! The same thought process runs when people have to travel.
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.
Consumer Financing Needs
|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.
|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.
|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.
|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.
Managing Your Credit
There’s no number in your life quite as important as your credit score.
Taking Care of Debt
There is nothing quite like that new car smell or the thrill you get when you drive off the lot. However, if you are considering buying a new or pre-owned car, you might have some concerns about how to afford the car payments.
The Game of Life
Fortunately, there are several tips that can be followed that could help you to save money when you are trying
In the real estate business, an initial consultation helps a prospective agent get to know a bit more about you and your goals.
The frigid winter temperatures and snowy, icy weather pose several challenges for homeowners. Preventing these problems ahead of time with some routine maintenance and proper care can help you avoid costly plumbing emergencies.
Every homeowner would like to sell their home quickly for a great price. However, in reality, one must introduce changes and play their cards smart to gain great profit when selling their real estate.
Even after lockdown, work and childcare can clash, as bored kids can interrupt board meetings. Here’s how to keep your kids occupied while working at home.
Many small businesses start from the home. In addition, many homeowners start developing home-based businesses to supplement their income or leverage a particular skill or service.