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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

Keeping your electric bill lower than last year takes a two-pronged approach. You need to monitor how much power you use. You also need to pay special attention to when you use it.

Career Planning

College students are frequently on a tight budget, but that doesn’t mean they don’t deserve to get paid fairly for their efforts.

5 Great Entry-Level Coding Jobs

5 Great Entry-Level Coding Jobs

  December 21, 2021

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Consumer Financing Issues

At some point, you may need to buy a car. Perhaps adulting has hit you hard, and a car has become vital.

Obtaining a home equity loan means that you’re going to have extra cash at your disposal. This type of loan is also exciting because it means that you’ve built up equity in your house.

At some point, you may need to buy a car. Perhaps adulting has hit you hard, and a car has become vital.

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

To live your best financial life, you must have good credit. However, if you’re establishing credit for the first time, you may be unsure where to begin.

Taking Care of Debt

Getting into debt is unfortunately very easy. While debt can be useful in financing certain things in life, it’s also possible to rack up too much of it.

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The Game of Life

Owning a car can be expensive. There are all sorts of costs that go along with it besides just actually purchasing the car.

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.

Owning a car can be expensive. There are all sorts of costs that go along with it besides just actually purchasing the car.

College isn’t necessarily cheap. But it doesn’t have to break the bank, either. Learn to cut down on unnecessary spending while you’re in college. It’s one of the keys to graduating with as little debt and in the best financial situation as possible.

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

When you’re looking to sell your home, it’s important to get the best price possible. While there are many things you can do to increase your home’s value, one of the most important is pricing it correctly.

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

Buying your first home can be an exhilarating and exhausting experience, and it’s one you’ll remember for years to come. In order to make the process less stressful so you can focus on the positive aspects, it’s important to start with a good plan.

The kitchen is the heart of your home. With that in mind, it’s safe to say that a kitchen renovation will breathe life into your living space and make it more practical and stylish.

When you’re looking to sell your home, it’s important to get the best price possible. While there are many things you can do to increase your home’s value, one of the most important is pricing it correctly.

Are you planning to relocate to a new town and need to pack up all of your assets?? Train yourself on the ins and outs of common moving scams while hiring a moving company.

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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

Hobbies provide relief and escape from the pressures of everyday life. They allow you to unwind, have fun, and take time off from the demands of work or home. For this reason, many people turn to hobbies as a way to relieve stress. Hobbies also promote camaraderie and socialization.

Business Services

You have a business, a product, or a service, and now you want to bring it to market and earn your keep. Easy enough, but how to begin? A marketing strategy sounds like the right move, but how does one get started creating one?

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