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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
Money isn’t just about numbers – it’s about mindset, habits, and the stories we tell ourselves. A strained relationship with finances can lead to stress, avoidance, or impulsive decisions that sabotage long-term stability.

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Are you applying for a government position but unfamiliar with the process? Our tips help job seekers apply for a federal government job with confidence.

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Safety Tips When Operating a Wood Chipper
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Navigating the Rising Tide of Unemployment with Confidence
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Consumer Financing Issues

Understanding The Basics: An In-Depth Guide To Home Loans
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Navigating the Swell of Credit Card Usage in the U.S.
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Navigating the Swell of Credit Card Usage in the U.S.
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Credit Cards 101: How to Master Your Financial Arsenal
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What Credit Score Do You Need To Buy A House?
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Money Saving Methods on Home Loans
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Are Credit Unions Good for Mortgages?
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Demystifying Recreational Loans 101- When and How to Apply
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5 Different Kinds of Loans and Their Upsides
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7 Smart Income Ideas For College Students
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The Ultimate Cheat Sheet on Searching for Scholarships!
July 30, 2018
Five Things You Need to Know About Scholarships
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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. |
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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. |
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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. |
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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. |
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Managing Your Credit
In today’s digital age, identity theft has become an alarmingly common issue that affects consumers and small businesses alike.

Cracking the Credit Code What Makes a Good Credit Score
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Strategies To Increase Your Credit Score
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5 Steps to Take When Building Your Credit Score
January 24, 2022Taking Care of Debt
If you’re renting and filing for bankruptcy, you probably have questions about your rights as a tenant. This blog will explore your tenant rights.

Smart Ways to Reduce High Interest Rates on Debt
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The Game of Life

Steering into Tomorrow The Transformative Journey of Self-Driving Cars
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Higher Learning: What To Know When Applying for College
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Setting New Year Resolutions: A Guide to Making and Keeping Your Goals
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Achieve More With Less: The Art of Time Management
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5 Effective Ways To Help You Stay Focused at Work
April 6, 2023
How To Financially Plan for a Car Restoration
March 20, 2024
Getting Help To Ease the Financial Burdens of a Car Accident
February 26, 2024
Why Being a Safe Driver Is Good for Your Wallet
January 16, 2024
Charting a Course Toward Financial Freedom in College
February 16, 2024
Organization Tips for New College Undergraduates
December 6, 2022
5 Best Secondhand Items To Buy For College
August 29, 2022
The 7 Best Android Apps For Students
March 25, 2022
5 Benefits of Social Media Monitoring
November 30, 2018
3 Social Media Marketing Habits for Career/Business Growth in 2018
February 21, 2018
About Home

5 Technologies That Can Lower Your Construction Costs
January 24, 2025
Your Journey to Homeownership: How to Turn Dreams into Reality
January 20, 2025
Understanding the Services of Custom Granny Flat Builders
December 27, 2024
How To Properly Prepare a Construction Site
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Charting the Course: Navigating Your Path to Homeownership
December 30, 2024
What Contractors Need To Know About Skylights
August 19, 2024
How To Balance Beauty and Function in Your Home Renovation
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Essential Factors for Selling Your Home Successfully
January 15, 2024
Why Spring is the Best Time to Sell Your Home
January 8, 2024
How To Handle Unexpected Challenges During a Move
November 11, 2024
How to Finance a Relocation for School or University
November 1, 2024
State-to-State Strategy: Your Ultimate Guide to Relocating
October 14, 2024
Life-Event Centers

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Helping You Make Life Decisions | ||||||||
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For the Auto-Travel-Business (open new win) | ||||||
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Consumer Tips
As anyone who has navigated the emotional whirlpool of a custody battle would attest, these are tricky grounds to tread. It’s the legal equivalent of a robust New York cheesecake – complex, weighty, and laden with layers of challenges.

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How Emergency Crews Can Help With Disaster Cleanup
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If you’re looking for waste management strategies for grocery stores, these four ideas will help you without overhauling your entire operation.

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