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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.

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About Money

After a vehicular collision, you may need to go to court for a long trial, and during this time, it is often impossible to work.

Career Planning

Applying for a job can seem like a tedious and time-consuming process. To make sure your efforts pay off and land you the job, you must prepare properly.

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Consumer Financing Issues

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.

Every time that you swipe that credit card, the bank is loaning you money. Money, of course that you have. Wait… you don’t have the money?

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.

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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

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

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The Game of Life

Balancing work and home life can be especially difficult when you are caught up in providing and then are so tired and exhausted by the time you get home. But what is the purpose of working so hard if you can’t enjoy the fruits of your labor with the ones that you work hard for?

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.

College is one expense that pays off in the long run when your child is able to launch a successful career. As a military family, your child may be eligible for a range of different financial aid options that can all help them to make their dream of going to college come true.

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

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About Home

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.

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

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.

Selling your home? If you are well prepared for the sale, you will probably succeed and find the right buyer for your home.

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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

In the past few years—and even in the past months—natural disasters have affected thousands of people all around the world, from scorching wildfires in Australia to earthquakes in Puerto Rico to the all-too-familiar hurricanes on the Gulf Coast.

Business Services

At times, a university may struggle with recruiting ideal numbers of students for the next academic year. Several factors may be at play to cause this, and it can be difficult to pinpoint exactly what changes the school should make in response.

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