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Credit Management

Why good credit management? Because good credit is needed to purchase items with favorable lending terms – and in some cases, employment.


About Money

If you want an investment property for short-term rentals, you must know the basics of buying one. Learn the strategies to acquire your first Airbnb property.

Career Planning

Much of Gen Z is part of or entering the workforce today. Is long-haul truck driving a suitable fit for Gen Z workers seeking long-term careers?


Consumer Financing Issues

Credit cards have become ubiquitous in modern society. From online shopping to everyday purchases, using a credit card has become the norm for many people.

Refinancing your home can be a smart financial move, but it’s essential to understand the process and benefits before proceeding.

In the field of personal finance stability and growth are often seen as the ultimate goal. One financial tool continues to offer a solid stepping stone toward a brighter future – the installment loan.

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.

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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

Having a good credit score is essential for obtaining financing and getting the best interest rates. It can also make it easier to get approved for loans, mortgages, and other forms of credit.

Taking Care of Debt

As the cost of living continues to rise, many individuals find themselves increasingly reliant on credit cards to meet everyday expenses. This dependency can quickly spiral into overwhelming debt, exacerbating financial stress and limiting future opportunities.


The Game of Life

Have you been considering taking on a car restoration? This hobby isn’t cheap. Check out this blog to explore how to financially plan for a restoration.

As the year draws to a close, we often find ourselves contemplating what the next year will bring. It’s during this period of reflection and anticipation that the concept of New Year resolutions comes into the picture.

Have you been considering taking on a car restoration? This hobby isn’t cheap. Check out this blog to explore how to financially plan for a restoration.

Embarking on a college education is often accompanied by the heavy weight of financial responsibilities, notably in the form of student loans.

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


About Home

Setting up a construction site requires a bit more detailed work than many realize. Here are some things you must do to prepare the area properly.

However, with the right approach and preparation, you can turn the process from daunting to rewarding, securing the best possible

Moving can be stressful, and falling victim to moving scams can turn it into a nightmare. Understanding the cost of moving scams is essential for anyone planning a relocation.

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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

Choosing the right pair of electrical gloves can save a life and prevent workplace accidents. Learn about how to choose a pair and their significance.

Business Services

For many small businesses, farmers markets are the perfect launching pad. However, there comes a time when you must think