What is the ability-to-repay rule? “The ability-to-repay rule is the reasonable and good faith determination most mortgage lenders are required to make that you are able to pay back the loan,” states Consumer Finance Protection Bureau. The rule is important because it helps determine if you can afford to pay […]

What is the ability-to-repay rule?

Personal Finances Having strong personal finances is extremely important. If you have a strong understanding of Personal Fiances and how they work you can have a strong and fruitful financial future. There are a lot of steps to have a strong and fruitful financial future. Here are some tips! Budgeting […]

Personal Finances

What is a Qualified Mortgage? There are Qualified Mortgages and unqualified Mortgages. “A Qualified Mortgage is a category of loans that have certain, more stable features that help make it more likely that you’ll be able to afford your loan.” states the Consumer Financial Protection Bureau. A Qualified Mortgage is […]

What is a Qualified Mortgage?

What is Money? I’m sure everyone knows that money is the currency of a country. Whatever form, digital, physical or even gold and silver. Money seems to have this way with our society to where its glorified. But in school, you’re never really taught how you should spend and use […]

What is Money?

What is Credit and How Does it Work? Credit is defined as “the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.” from Oxford. These days credit is in the form of a lender, typically a […]

What is a Line of Credit and How Does it ...

Secured Credit Card
What is a Secured Credit Card? It’s a card that you put make a deposit on in order to open the account. For instance, if you put down $500 to open a secure card then your line of credit is $500. You get the deposit back when you close the […]

Is a Secured Credit Card right for you?

Maintaining Your 2020 Fitness Goals Maintaining your 2020 fitness goals in the new year is always a top priority. If you’re anything like me, you include exercise in your daily routine. But also if you’re anything like me, this can be a daunting task. However, everyone is capable of changing […]

Maintaining Your 2020 Fitness Goals

End Of Life Care Plan
Brain scientists are encouraging people to exercise both body and brain to stay healthier longer. Doctors are no longer focusing on longevity, rather how upbeat one stays later in life. We all know that we should be monitoring our health and fitness from a young age, but it could have […]

Staying Healthier Longer

Staying alert on the job is key to doing your best every day at work. Being tired and sluggish at work lowers your productivity level and puts you in a foul mood. Some daily habits may be keeping you from maintaining your energy throughout the day. Below are some tricks […]

How to Stay Alert on the Job