Finance

Mortgage Terms in Layman’s Terms: What Exactly is Debt to Income Ratio?

Debt to Income ratio (DTI) is precisely what it sounds like. It’s how much debt you owe in comparison to your income. Lenders use this ratio to figure out whether a borrower is capable of maintaining mortgage monthly payments. They use DTI for purchase loans, including refinancing, as well. DTI could likewise help you determine how

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Ready to Sell Your Business? Answer These Questions First

Unless you don’t have a dream retirement or you want to work until your last breath, you will think about selling your business one day. When that time comes, you need to make careful decisions and lay a detailed exit plan to ensure success. The planning process should begin as early as today. Start with

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Grow Your Retirement Funds with these Suggestions

Preparing for retirement is not always a popular choice amongst younger employees and business owners. This is understandable, given how far into the future you have to be thinking if you start planning your retirement now. However, those who do have the foresight to start investing in their retirement end up more financially stable than

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Larger Super Funds Deliver Better Returns

A study revealed that Australians are better off dealing with bigger self-managed superannuation funds (SMSFs), as they deliver better returns than smaller ones. The study, co-authored by the University of Adelaide’s International Centre for Financial Services, claimed that funds with investment balances lower than $200,000 provided less favourable yields. On the contrary, bigger funds offer

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Redeem Your Mortgage: 4 Things You Can Do

One of the best feelings in the world is knowing that your mortgage has already been paid in full. So why not redeem your mortgage early on? A redeemed mortgage is a mortgage that has been fully paid by the borrower. This means the end of monthly payments and the start of full control over

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Successful Business

To Run a Successful Business, Be More Dispensable

When running a business, your goal should be to make yourself more dispensable – or more hands-off. A majority of entrepreneurs believe, however, that their business will fail if they are not always available or actively engaged in their business. The truth is, your employees can do their jobs and fill in for you; you

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A Green Home doesn’t just Save the Environment and Make You Cooler

Technology plays a huge part in every American’s life. It doesn't mean, however, that people are no longer in touch with nature. The evidence of this can be seen in not only the presence of organic food and sustainable fashion, but in the rising popularity of green homes as well. Environmentalists will agree with residential

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Bank or Broker: Where to Go When Finding a Mortgage Loan

One of the most challenging things to do when you want to buy a home is finding a mortgage loan that’s right for your needs. Homebuyers usually lean on two channels: banks and mortgage brokers. These two channels have their own pros and cons, which you need to assess your needs and preferences in mind.

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4 Holiday Gift Ideas for Teenage Girls

The holiday season is fast approaching. This means that you have to prepare to go gift shopping for all the important people in your life. This is a season for giving, so being thoughtful and appreciative of the people who have been there for you is a wonderful gesture of love and care. If you

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