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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

This write-up will guide you through essential money management strategies, ensuring you build a solid foundation for future success. By

Career Planning

In recent years, the global job market has faced significant challenges and transformations. With the unemployment rate projected to rise from an average of 3.6% in 2023 to 4.5% by 2026, many individuals are understandably concerned about their future job prospects.

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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

Understanding your credit score is like finding the key to a treasure chest in personal finance. With an average of 160K+ monthly searches, “What is a good credit score?” tops the charts as the most sought-after personal finance question.

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.

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The Game of Life

Imagine a world where your car drives you to work, while you enjoy your coffee and read the morning news. This is not just a scene from a sci-fi movie but a glimpse into the future of transportation thanks to the development of self-driving cars.

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.

Imagine a world where your car drives you to work, while you enjoy your coffee and read the morning news. This is not just a scene from a sci-fi movie but a glimpse into the future of transportation thanks to the development of self-driving cars.

College life is a lot of work, but it can also be an exciting adventure. Here’s what to know before applying to ensure you get the most from the experience.

In today’s fast-paced digital world, social media is a major part of our lives. From keeping in touch with friends and family to shopping online, social media platforms make everything more accessible and connected.

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About Home

Moving to a higher-cost city is an exciting opportunity, but it can also bring significant financial challenges. Whether it’s a new job, a better lifestyle, or a change in scenery, living in a more expensive area requires careful budgeting and preparation.

A skylight enhances a building’s appeal and functionality, making it a desirable choice for businesses and homeowners looking for budget-friendly

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

Moving to a higher-cost city is an exciting opportunity, but it can also bring significant financial challenges. Whether it’s a new job, a better lifestyle, or a change in scenery, living in a more expensive area requires careful budgeting and preparation.

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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

Whether you’re a spiritual seeker, a philosophy enthusiast, or simply someone with an insatiable curiosity, the quest for understanding the

Business Services

Installing a loading dock is an investment that requires careful planning. Learn more about what to consider before starting this useful project!

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