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

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.

pixel

About Money

The Internal Revenue Service or the IRS has revenue officers for gathering the tax or revenue and duties as a representative of the government.

How to Make Money with Airbnb

How to Make Money with Airbnb

  February 17, 2020
5 Things to Avoid When Investing

5 Things to Avoid When Investing

  February 12, 2020

Career Planning

Social Security benefits are available to most Americans who reach a certain age or are unable to work because of a physical or mental impairment.

pixel

Consumer Financing Issues

Everyone wants to save more with a minimal investment! The same thought process runs when people have to travel.

If you’ve been following the real estate news in Armagh, Ireland over the past few years, you will notice that there have been complaints of how progressively difficult it was becoming for people to become home owners. The reason for this has been chucked down to the steady rise in the price of real estate and the much slower rate at which average wages are increasing.

Whether you’re looking to purchase a home or refinance your current abode, you’ll need to have one essential item in order: your credit score.

College life is fun but not from the financial perspective, particularly if you don’t have a scholarship. Expenses are often high, whether it is about tuition fees, housing or additional activities.

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

Credit is something we all need for a healthy financial life. With higher credit scores, consumers have access to higher lines of credit, better housing, lower interest loans, and the like.

Taking Care of Debt

Bankruptcy fraud is a federal crime. So understand how avoid bankruptcy fraud.

What Is Debt

What Is Debt

  January 12, 2020

pixel

The Game of Life

While some colleges and universities have moved away from requiring SAT scores for admission, many institutions still do. In other words, SAT scores still matter when it comes to college admissions.

If you’re like most people out there, you’re probably wondering what it takes to be successful. I’ve often thought about this, and pondered the question myself.

Most car owners come to the conclusion that they want to get rid of their car. While some may want to scrap it, most will want to either sell it or trade it in.

While some colleges and universities have moved away from requiring SAT scores for admission, many institutions still do. In other words, SAT scores still matter when it comes to college admissions.

It’s undeniable that social media presence plays a key role in the prestige and renown of any Australian business in 2018.

pixel

About Home

Buying a home can be a great long-term financial and housing decision. If you think that you would like to eventually buy a home, it is important to consider when you should make the purchase.

Fortunately, there are several tips that can be followed that could help you to save money when you are trying

Buying a home can be a great long-term financial and housing decision. If you think that you would like to eventually buy a home, it is important to consider when you should make the purchase.

Being a homeowner is a huge responsibility. Part of this responsibility is taking every step you can to increase the safety and security of your home.

It’s no secret that Naples, Florida, is a popular hotspot for luxury real estate. With great weather year-round, miles of beautiful private beaches, and access to championship golf resorts, it’s no surprise that people seek out second residences and vacation homes in the area.

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

Most people have a crown or filling in their mouth. You take care of them as they are going to remain at their place forever, but the reality is something else.

Business Services

It’s not easy to run a business, but launching one is now easier than ever. Now, anyone with a device and an internet connection can start selling products or services online, but financial resources are still an important factor.

pixel

pixel