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Manage Your Money

What is money management? It is living with your means but more importantly, building the skill sets necessary to grow your money supply.

First step is budgeting your spend and living within your means. Information and tools available

Credit cards (and debt cards) are replacing cash and checks. The downside of credit card purchasing is that we spend more than what we need. Learn to treat your cards as cash – and receive benefits.

The easiet and sure way to increase your money supply is lowering your bills and monthly spend. Some tips.

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Consumer Financing Issues

Credit card rebate awards can be a valuable financial tool if used wisely, particularly for tech-savvy consumers who are always looking for smarter ways to manage their finances.

Credit card rebate awards can be a valuable financial tool if used wisely, particularly for tech-savvy consumers who are always looking for smarter ways to manage their finances.

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

Have you ever wondered how someone could build an entire financial identity from scratch using bits and pieces of real information mixed with fabricated details? This sophisticated form of deception, known as synthetic identity fraud, represents one of the fastest-growing and most concerning threats in our digital age.

Taking 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.

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The Game of Life

Ever wondered why some cars look showroom-fresh years after purchase whilst others look tired and worn? What makes the difference between a car that turns heads and one that blends into the background?

In the fast-paced world of entrepreneurship, the quest for success is a never-ending pursuit. Entrepreneurs, business professionals, and startups are constantly seeking the elusive formula that will catapult them to the pinnacle of achievement.

Ever wondered why some cars look showroom-fresh years after purchase whilst others look tired and worn? What makes the difference between a car that turns heads and one that blends into the background?

College has a way of making you dream big while emptying your pockets even faster. It’s a promise of better things ahead—but that promise often comes with a heavy price tag that hangs around long after the diploma.

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

Do you ever find yourself standing in a pool of water while taking what is supposed to be a refreshing shower, courtesy of a stubbornly blocked drain? If so, you’re not alone.

Adding innovation to your construction firm can help you reduce expenses. Learn about five technologies that can lower your construction costs.

Expanding your home-based business often means more than rearranging furniture — sometimes it means finding a home that can carry the weight of your ambitions.

Do you ever find yourself standing in a pool of water while taking what is supposed to be a refreshing shower, courtesy of a stubbornly blocked drain? If so, you’re not alone.

If you want to attract buyers or create a more enjoyable space, here are five ways to increase the value of your rural property that any homeowner can tackle.

Making the leap from a smaller town to a sprawling city isn’t just a change of address, it’s a whole life shift. Suddenly, everything’s louder, faster, denser.

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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

Our solar system is a vast and wondrous place, a cosmic neighborhood anchored by our star, the Sun. For billions of years, a family of planets has been gracefully dancing in orbit around this central star, each with its own story and distinct personality.

Business Services

Cupcakes are little, first-class, and delicious treats that provide pleasure to people of every age. They are famous for hosting special activities inclusive of birthday events, marriages, and baby showers.

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