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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
There is no doubt that one of the best methods for financial freedom is through investment. It is how many people make their riches.
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How To Plan Your Medical Budget for the New Year
January 13, 2026Career Planning
The entrepreneurial landscape is shifting beneath our feet, moving away from the era of “growth at all costs” toward a more grounded focus on sustainability, utility, and genuine problem-solving. As we settle into 2026, the startup ecosystem is no longer dominated solely by massive tech unicorns.
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Future-Proof Your Career: The Gentle Art of Upskilling
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Beyond the 9-to-5: How to Stay Engaged and Thriving in Retirement
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Consumer Financing Issues
What is Buy Now, Pay Later and Is It Right for You?
November 12, 2025
How to Choose and Maximize Credit Card Rebate Awards
February 7, 2025
How to Choose and Maximize Credit Card Rebate Awards
February 7, 2025
Navigating the Swell of Credit Card Usage in the U.S.
November 18, 2024
What Credit Score Do You Need To Buy A House?
September 18, 2023
Money Saving Methods on Home Loans
August 9, 2023
Are Credit Unions Good for Mortgages?
July 26, 2023
Demystifying Recreational Loans 101- When and How to Apply
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5 Different Kinds of Loans and Their Upsides
November 29, 2023
7 Smart Income Ideas For College Students
September 30, 2019
The Ultimate Cheat Sheet on Searching for Scholarships!
July 30, 2018
Five Things You Need to Know About Scholarships
December 20, 2017 ![]()
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
Entering the world of house flipping can be thrilling, but it also raises plenty of questions. One of the most common is whether the credit score you need to become a house flipper has to be perfect.
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December 18, 2024Taking Care of Debt
Filing for bankruptcy is not an easy decision, but for many, it can provide a much-needed lifeline in the face of overwhelming debt. Bankruptcy is designed to help individuals and businesses restructure or eliminate their financial obligations, offering a fresh start.
What Are Your Tenant Rights When You Declare Bankruptcy?
December 9, 2024
Smart Ways to Reduce High Interest Rates on Debt
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The Game of Life
How To Assess Damage After a Boating Accident
September 22, 2025
Complete Guide to Using Car Detailing Products
July 28, 2025
What To Know About Cars Before Buying One
June 23, 2025
Setting New Year Resolutions: A Guide to Making and Keeping Your Goals
December 29, 2023
Achieve More With Less: The Art of Time Management
December 19, 2023
5 Effective Ways To Help You Stay Focused at Work
April 6, 2023
What To Know About Cars Before Buying One
June 23, 2025
Understanding Road Rage and How to Mitigate Its Dangers
April 25, 2025
Is It Cheaper To Fix Your Car or Buy a New One?
April 14, 2025
Higher Learning: What To Know When Applying for College
July 30, 2024
Charting a Course Toward Financial Freedom in College
February 16, 2024
Organization Tips for New College Undergraduates
December 6, 2022
The 7 Best Android Apps For Students
March 25, 2022
5 Benefits of Social Media Monitoring
November 30, 2018 
About Home
How To Lower The Cost Of Buying A New Home
December 26, 2025
Why Wildfire Prevention Should Be a Year-Round Priority
November 18, 2025
Understanding the Services of Custom Granny Flat Builders
December 27, 2024
How To Properly Prepare a Construction Site
February 8, 2024
Waterfront Property: Is It Worth the Investment?
November 10, 2025
Interest Rate Drop: What This 0.25% Cut Means for Your Home Dreams
September 19, 2025
How To Design The Perfect Car Shed For Your Home
March 17, 2025
Essential Factors for Selling Your Home Successfully
January 15, 2024 ![]()
Life-Event Centers
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| Helping You Make Life Decisions | ||||||||
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| Helping You Make Life Decisions | ||||||
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Consumer Tips
Are you thinking of going on vacation this summer? Well, we all need to take a vacation every now and then. After all, this is the time when we get to break away from our intense daily routines.
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In the fast-paced world of modern manufacturing and industrial processing, staying competitive means embracing technologies that streamline operations. Pneumatic automation,
Common Mistakes When Buying Equipment for Your Business
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Best Practices for Protecting Products During Transit
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Can Anyone Start a Nonprofit? Here’s What To Know
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