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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.

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About Money

Working hard for part of your life is never a bad thing. It builds character, teaches you life skills, and helps you appreciate the little victories. But it’s not something anyone wants to do forever.

Career Planning

Human beings are innately social creatures. All the while, there are those individuals who especially thrive around other people.

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Consumer Financing Issues

Getting a mortgage is a huge commitment, and the amount of information you will get during the process is often overwhelming. Fortunately, you’ll usually be working with someone whom you can discuss the process before you sign.

Getting a mortgage is a huge commitment, and the amount of information you will get during the process is often overwhelming. Fortunately, you’ll usually be working with someone whom you can discuss the process before you sign.

2020 has been an uncertain year for everyone. Recent college graduates, current college students, and high school students have had a particularly difficult year, from an unstable job market to having to rethink their plans for higher education.

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

There’s no number in your life quite as important as your credit score.

Taking Care of Debt

There is nothing quite like that new car smell or the thrill you get when you drive off the lot. However, if you are considering buying a new or pre-owned car, you might have some concerns about how to afford the car payments.

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The Game of Life

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.

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.

Have you considered selling your car, but you do not have an idea where to start? You are not alone.

Choosing your further education is a huge, crucial step for your future. Not only do you want to seek the right degree course, but you also want to achieve it in an institution you can trust and enjoy.

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

Two things have changed the face of modern employment: cloud computing, which includes modern technology shifts toward decentralization, and the global lockdown.

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

At one time or another, most of us have thought of features we would want when we’re finally able to buy our first home. Don’t forget the characteristics that are important to you as you begin the journey into house-hunting.

Working from home is a double-edged sword. It can be a complete blessing to wake up and start your computer while you’re still in pyjamas, or an absolute curse when it comes to productivity. How can you grasp the best of both worlds and effectively indulge in work from home?

Are you getting ready to sell your house? There are a number of repairs that you may want to attend to before you put your home up on the market.

Two things have changed the face of modern employment: cloud computing, which includes modern technology shifts toward decentralization, and the global lockdown.

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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

Television, as we know, is a passive medium—we sit in front of the screen and receive its messages as it asks so little of us. Reading books, on the other hand, is more demanding.

Business Services

One of the most important aspects of any business is its customer interaction. This is a key ingredient in customer satisfaction and employees are an important factor in this. The employees of a business oftentimes represent the business as they interface and interact with customers.

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