Did You Say ... help with ... Money ... Credit ... Debt ... Career?

Debt Management

Debt – it’s one of the facts of life. Unfortunately, many households have incurred too much debt. Learn how best to manage and reduce your debt.

pixel

About Money

If you’re considering starting a charitable trust, you’ll need to weigh the benefits with the management costs. You’ll want to evaluate your finances to make sure the money you put into the trust will be surplus and not necessary to sustain your lifestyle.

Career Planning

As technology continues advancing, most colleges have had to step up their game in the classroom. Check out these top technologically-advanced universities.

pixel

Consumer Financing Issues

One of the best ways to do this is to avoid making common money mistakes. Young adults should avoid these four money mistakes to stay on

In today’s real estate market, even the smallest of homes are not cheap. This means your mortgage payment each month will also not come cheap.

A loan modification is a means of modifying the terms of your mortgage so that it better suits your current budget and financial situation. It can be an effective way to avoid foreclosure and keep your home.

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.

renovation note

Consumer Financing Needs

home contractor
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

end remodeling note

Managing Your Credit

To live your best financial life, you must have good credit. However, if you’re establishing credit for the first time, you may be unsure where to begin.

Taking Care of Debt

Some things are worth borrowing for, while others are not so much. What’s the difference between good debt and bad debt, you ask? Learn more below.

pixel

The Game of Life

As prices for both new and used cars have continued to rise, you may be like many other drivers who are realizing the car they now own will probably need to stay on the road for a few more years.

If you are like most people, you most likely put up more hours when you have a lot to do in a day. Yet at the end of the day, you still have items to tick off your to-do list and still feel unaccomplished.

As prices for both new and used cars have continued to rise, you may be like many other drivers who are realizing the car they now own will probably need to stay on the road for a few more years.

Studying abroad is a once-in-a-lifetime opportunity that can change your life. Before you leap, though, you have to make sure it’s right for you and your goals.

We’re sure you’ve got Snapchat, Facebook, Instagram and other similar apps on your smartphone. However, do you know that there are numerous Android Apps for students available in Google Play Store that could help them get organized

pixel

About Home

Buying your first home is one of the biggest milestones in life. One of the first decisions you need to make is whether you are ready to buy your forever home or just your starter home.

Looking for the home of your dreams? What if you built that home instead? Having a home custom-built is the only way to make sure every single detail of a home is just right for you, from the very start.

Buying your first home is one of the biggest milestones in life. One of the first decisions you need to make is whether you are ready to buy your forever home or just your starter home.

As the days grow and the sun shines longer – you might start noticing dirt and streaks on your windows. It’s unpleasant, but it doesn’t have to be this way. With just a few easy tips and tricks, you can clean your windows like a pro – and your guttering too.

When you’re looking to sell your home, it’s important to get the best price possible. While there are many things you can do to increase your home’s value, one of the most important is pricing it correctly.

Maybe you’re headed to college or maybe you’re moving out for work, love, or travel. Whatever your reasons for leaving your parents’ house, it’;s important to be properly prepared.

renovation note

Life-Event Centers

home contractor
Helping You Make Life Decisions
For Education (open new win)
College Planning Center
College Campus BLOG
College Financial Aid

home contractor
Helping You Make Life Decisions
For Education (open new win)
Home Remodeling / Home Improvement
Home Construction / Building
Home Buying
Home Selling

home contractor
Helping You Make Life Decisions
For the Auto-Travel-Business (open new win)
Auto Buying
Making Travel
Buying a Business

end renovation note

Consumer Tips

It’s common that as you use devices like your phone or tablet more and more, you might start to encounter issues, especially if they’ve been damaged in some way.

Business Services

A clean business is a well-managed business that likely has high customer retention rates. Learn different ways your business can encourage sanitation.

pixel

pixel