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

About Money
Getting your driver’s license is a huge milestone. It comes with a newfound sense of freedom, but it also brings
5 Common Financial Mistakes and How To Avoid Them
November 10, 2025
Smart Money Moves: Your Guide to Staying Debt-Free Through Life
October 16, 2025
Essential Steps to Strengthen Your Family’s Financial Future
October 6, 2025Career Planning
Scrolling through job boards with little to show for it, watching rejection emails pile up, or feeling overwhelmed by a competitive market—these challenges have become all too familiar for many workers today.
How to Conquer the Fear of Starting Over in Your Professional Life
November 3, 2025
Achieving Career and Personal Growth Through Targeted Education
September 26, 2025
Why Factory and Warehouse Jobs Are Good for College Students
August 28, 2025 
Consumer Financing Issues
Choosing the right credit card can feel overwhelming when you’re faced with countless options, each promising unique rewards and benefits. The credit card landscape has evolved dramatically over the past few years, with major banks and issuers introducing innovative features that go far beyond simple cashback programs.
How to Choose and Maximize Credit Card Rebate Awards
February 7, 2025
Understanding The Basics: An In-Depth Guide To Home Loans
January 30, 2025Choosing the right credit card can feel overwhelming when you’re faced with countless options, each promising unique rewards and benefits. The credit card landscape has evolved dramatically over the past few years, with major banks and issuers introducing innovative features that go far beyond simple cashback programs.
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
Credit Cards 101: How to Master Your Financial Arsenal
October 21, 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
January 22, 2024
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
| Smart Financing Guides | ||||||||||||||||
| For Making Smart Lending Decisions | ||||||||||||||||
|
||||||||||||||||
| Shop Rates | ||
|
| 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. |
||||
|
||||
| 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. |
||||
|
||||
| 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. |
||||
|
||||
| 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. |
||||
|
||||
![]()
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.
Shield Your ID Today: Protecting Against Identity Theft
December 18, 2024
Cracking the Credit Code What Makes a Good Credit Score
September 16, 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
August 21, 2023 
The Game of Life
Complete Guide to Using Car Detailing Products
July 28, 2025
What To Know About Cars Before Buying One
June 23, 2025
How to Keep College from Crushing Your Wallet Later
May 31, 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
3 Social Media Marketing Habits for Career/Business Growth in 2018
February 21, 2018 
About Home
How to Manage Your Finances When Relocating to Canada
October 23, 2025
Renting in California: What Every Tenant Should Know
September 19, 2025
Interest Rate Drop: What This 0.25% Cut Means for Your Home Dreams
September 19, 2025
Understanding the Services of Custom Granny Flat Builders
December 27, 2024
How To Properly Prepare a Construction Site
February 8, 2024
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
| Helping You Make Life Decisions | ||||||
| For Education (open new win) | ||||||
|
||||||
| Helping You Make Life Decisions | ||||||||
| For Education (open new win) | ||||||||
|
||||||||
| Helping You Make Life Decisions | ||||||
| For the Auto-Travel-Business (open new win) | ||||||
|
||||||
![]()
Consumer Tips
The gentle rustle of autumn leaves, the crisp air that hints at winter’s approach, and the unmistakable warmth that comes from gathering loved ones around your table—Thanksgiving creates some of our most cherished memories.
Halloween Safety Tips for Kids: A Parent’s Complete Guide
October 27, 2025Business Services
If you’re starting a new construction venture, it’s likely that you’re going to need to structure your equity to directly balance the risk assumed by investors against the potential rewards gained.
4 Steps Businesses Can Take To Prepare for the Holiday Rush
October 24, 2025
Modern Surface Cleaning Solutions for Manufacturers
October 17, 2025 



