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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.
 
About Money
Financial stress can feel overwhelming, especially when it seems like debt is an inevitable part of growing up. The truth is, with thoughtful planning and smart choices, you can navigate life’s major milestones without falling into the debt trap that affects so many Americans.
 
                            
                                                Essential Steps to Strengthen Your Family’s Financial Future
October 6, 2025 
                            
                                                How to Build Financial Rhythm as Newlyweds Without Killing the Vibe
September 29, 2025 
                            
                                                5 Tips for Furnishing a Modern Office on a Budget
September 19, 2025Career Planning
The gap between where you are and where you want to be often stems from a disconnect between your current
 
                            
                                                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 | ||||||||||||||||
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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
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
 
                                                        
                                                                                                        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 Common Causes of a Blocked Shower Drain
September 8, 2025 
                                                                
                                                                                                                        Understanding the Services of Custom Granny Flat Builders
December 27, 2024 
                                                                
                                                                                                                        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.
 
                                                                
                                                                                                                        How Utility Poles Can Impact Your Home Purchasing Decisions
February 11, 2025 
                                                                
                                                                                                                        A Quick Guide to Transitioning From Renting to Homeownership
February 11, 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
 
                                                                                    | Helping You Make Life Decisions | ||||||
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| Helping You Make Life Decisions | ||||||||
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| Helping You Make Life Decisions | ||||||
| For the Auto-Travel-Business (open new win) | ||||||
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Consumer Tips
Navigating the complex landscape of global politics can feel overwhelming, especially when different countries operate under vastly different systems of governance.
 
                            
                                                Halloween Safety Tips for Kids: A Parent’s Complete Guide
October 27, 2025Business Services
The holiday season can make or break a business’s annual revenue targets. For many organizations, November and December account for
 
                            
                                                Modern Surface Cleaning Solutions for Manufacturers
October 17, 2025 
                            
                                                How To Market Your Cruelty Free Brand in 2025
October 3, 2025 
 


 
							 
							 
							 
							 
							 
							 
                             
                             
                             
                             
                                                     
                                                         
                                                             
                                                             
                                                                 
                                                            

 
                             
                             
                             
                             
                                                     
                                                             
                                                             
                                                             
                                                             
                                                     
                                                             
                                                                 
                                                             
                                                                 
                                                             
                                                                 
                                                                 
                                                             
                                                                 
                                                                 
                                                                 
                                                                 
                                                                 
                             
                             
                             
                             
                             
                         
                         
                         
                         
                         
                         
                         
                         
                         
                         
                         
                         
                         
                         
                         
                         
                         
                        