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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.
About Money
Getting married throws your life into fast-forward. In a matter of weeks, two sets of routines, habits, anxieties, and dreams are supposed to merge into one seamless track.

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The gap between where you are and where you want to be often stems from a disconnect between your current

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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.

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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
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Navigating the Swell of Credit Card Usage in the U.S.
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Credit Cards 101: How to Master Your Financial Arsenal
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What Credit Score Do You Need To Buy A House?
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Money Saving Methods on Home Loans
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Are Credit Unions Good for Mortgages?
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Demystifying Recreational Loans 101- When and How to Apply
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5 Different Kinds of Loans and Their Upsides
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7 Smart Income Ideas For College Students
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The Ultimate Cheat Sheet on Searching for Scholarships!
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Five Things You Need to Know About Scholarships
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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. |
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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
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
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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?
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Smart Ways to Reduce High Interest Rates on Debt
August 21, 2023
The Game of Life

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What To Know About Cars Before Buying One
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How to Keep College from Crushing Your Wallet Later
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Setting New Year Resolutions: A Guide to Making and Keeping Your Goals
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Achieve More With Less: The Art of Time Management
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5 Effective Ways To Help You Stay Focused at Work
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What To Know About Cars Before Buying One
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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
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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

Interest Rate Drop: What This 0.25% Cut Means for Your Home Dreams
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Understanding the Services of Custom Granny Flat Builders
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How To Properly Prepare a Construction Site
February 8, 2024The Federal Reserve’s recent decision to lower interest rates by 25 basis points (0.25%) has sent ripples of excitement through the housing market. For many families who have been watching mortgage rates climb and home prices soar, this news feels like a breath of fresh air in what has been a challenging market environment.

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How To Design The Perfect Car Shed For Your Home
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Essential Factors for Selling Your Home Successfully
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Life-Event Centers

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Consumer Tips
The holiday rush doesn’t have to mean last-minute scrambling for reservations, sky-high prices, or settling for your second (or third) choice of venues. While Christmas might feel months away, the families who create the most magical holiday memories share one secret: they start planning their Christmas family reunion early.

The Many Ways Packaging Influences Consumer Experience
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Retail success often comes down to small details. If you experiment with your store’s organization and displays, you’ll realize that

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