Did You Say ... help with ... Money ... Credit ... Debt ... Career?

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

The accumulation of assets is something you should always be doing as an adult. They help you finance things like homes, vacations, cars, and college education.

Career Planning

Why do recent college grads need their own business cards?

Even in the midst of the digital age, a classic business card will do you well. They’re not just for business owners! A sleek, well-designed business card with your name and contact information could be the key to getting your first job and making a good impression on potential employers. Here are some compelling reasons why every college grad needs a business card.

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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

Some things are worth borrowing for, while others are not so much. What’s the difference between good debt and bad debt, you ask? Learn more below.

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The Game of Life

The prices of cars have skyrocketed, especially with the introduction of new high-end models into the market. Today, buying a new car is nearly impossible for several people, but you can find a good deal with good saving habits.

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.

The prices of cars have skyrocketed, especially with the introduction of new high-end models into the market. Today, buying a new car is nearly impossible for several people, but you can find a good deal with good saving habits.

College is the beginning of your adulthood, and your daily schedule will begin to shift. College comes with several obligations you’ve never had to face, from paying rent to grocery shopping to managing your spare time and study schedule.

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

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About Home

An updated bathroom makes bathing, grooming, and hygiene more convenient in a comfortable, attractive environment. If you are ready to renovate your bathroom but are working with a limited budget, here are some options to consider.

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

If you’re eager to buy a house of your own, it’s a good idea to make the effort to get your finances in order to make the purchase smoother.

An updated bathroom makes bathing, grooming, and hygiene more convenient in a comfortable, attractive environment. If you are ready to renovate your bathroom but are working with a limited budget, here are some options to consider.

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

It isn’t always easy to talk to adults about money management, so talking to children may be intimidating. However, there are simple ways to educate children on responsible money management.

Business Services

Most businesses can’t exist without marketing. It is marketing that, of course, informs consumers about a company’s products and services.

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