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About Money

Your Money Isn’t Safe! Avoid investment bankrupt No matter how rich you may think you are, you are just a

Career Planning

If you want to capitalize on its popularity, read our helpful tips on how to start a health and fitness

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Consumer Financing Issues

But with all myriads of financial institutions to select from, identifying the perfect lender can be a rather tricky business.

But with all myriads of financial institutions to select from, identifying the perfect lender can be a rather tricky business.

Should older students max out financial aid? Or pay as much as possible out of pocket? For students returning to

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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

While many people don’t notice it, a good credit score is very significant to anyone’s financial life. Contrary to common

Taking Care of Debt

The recent creation of debt consolidation programs has really helped consumers to manage, reduce and eliminate their debts. The following

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The Game of Life

It is unfortunately common for people to feel scammed or duped by the car buying process in many ways, and

Many people miss out on the opportunity, because they do not believe that they can continue to financially support themselves

In the past, housewives would make relative comparisons only according to the brand of the product (brand X is better

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About Home

Money saving with real estate could sound like a dichotomy. Developing or owning real estate is money intensive and demands

Below are four tips to help make selling your house go more smoothly. Price Matters Pricing matters to both you

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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

The most agreeable fact is that a frugal and cheap mattress option does not necessarily translate to economy. Such mattresses

Business Services

Here are four steps to take when your business is progressing rapidly. Define Your Objectives Do not be one of

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Weekly Sunday Tips

Read More

You know the adage: “Too many dollars chasing too few goods” You might consider stocking up on food to have

Reason: Credit Card Debts Are Increasing So if your card is being axed, it’s time to look for a new