Getting the Green Light: 6 Ways to Improve Your Chances of Being Approved for a Loan

A lot of people feel nervous asking for money, even if it’s a lender’s livelihood. We can usually chalk this up to uncertainty regarding whether or not we’ll be approved. If you’re in need of a loan, you might understand that getting approval can take time. It’s a hassle to spend all of that time waiting, only to be denied.

Taking loans

If you want to go into the loan approval process with greater confidence, there are several ways to make it happen.

1. Check your credit

It would be unreasonable to predict how to the loan approval process will go without checking up on your credit.…

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How Much Should You Be Spending on Personal Loans?

People around New Zealand can find personal loans with various values attached to them. Some loans may be worth thousands of dollars depending on what they are for. But while it can be inviting to find personal loans with great values attached to them, anyone who wishes to take out a loan must be aware of the value associated with the loan.

Personal loans

You have to avoid spending too much on personal loans. There are a few things to see when looking at how much you need to spend when getting your expenses in check. These relate to several points associated with your loan and the value you are taking out on that loan.…

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Using Gamification to Achieve Your Financial Goals

While everyone dreams to turn their financial goals into reality, it is disheartening to know that 65 percent of Americans, according to CNBC, save little to almost nothing towards achieving these goals. Little does anyone in the ‘65% club’ realize the danger that this financial irresponsibility puts them in. Undesirable situations such as having no workable budgets, rising debt rates and having little to no funds to offset a huge emergency are becoming the norm.

Gamification for achieving financial goals

The truth is, however, that not everyone can exercise the same level of financial responsibility. Sometimes all it takes is some motivation to get you started.…

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How To Reduce Stress In Your Financial Life

No one ever said that dealing with finances was easy. In fact, without knowledge or practice, it can actually be extremely difficult.

Stressful financial life

Balancing incomings, outgoings, necessary costs and debts can seem like a never-ending juggling act and as a result, stress is a fairly common response. While you could turn to a payday loan from a Wizzcash lender in the case of a financial emergency, keeping track of your finances for the most part can help reduce stress considerably and ensure your budgets are kept to at all times.

Here, we’re exploring how you can reduce stress in your financial life.…

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Debt Settlement Dos & Don’ts

Are you barely staying above water making the minimum payments each month? This might seem like the only viable strategy available but in reality, you’re only spending more money in interest each month. Financial freedom is nowhere near. What are you to do? Sell all your things? Set a strict budget? Move in with family?

Debt settlement

All these measures are good ideas if your debt has gotten out of control, but depending on the amount you owe, they might not be enough to save you. While debt settlement certainly isn’t the wisest option for all debtors, it can be an effective last resort in dire situations.…

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3 Ways Office Employees Can Get Better Insurance

Does your current employee benefits and life insurance package make you feel more appreciated for the work you do? While the Department of Labour’s Office of Workers’ Compensation Programs (OWCP) offers various compensation programs (that provide wage replacement benefits, medical treatment, and other benefits) your employer’s health insurance programs may not fully take care of you or your family.

Employee insurance

Administering insurances for HSAs, COBRA, or CDH accounts can be a headache and logistics nightmare. Especially if you’re an employee who doesn’t know what you rightfully deserve in terms of benefits and health plans.

1. Employee Wellness Programs

Wellness Programs are expected to have a huge “breakthrough” in 2018.…

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Why Healthy Relationships are Financially Sound

There’s a time in every couple’s life when things move from dating to planning marriage, kids and an entire life together. Besides love and happily ever after, this step forward involves a wide series of changes in a couple’s life.

Money heart

Moving together means sharing not only the house but also the current expenses. Who’s paying for what could soon become a problem in a couple’s dynamic. Because talking about money is less fun than planning the next night out. So, before saying ‘I Do’, partners should take some time to discuss finance.

Knowing what to expect from your partner in terms of financial stability is essential when planning to build a family.…

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3 Ways to Improve Retirement Planning

One of the many things that can put stress to people is thinking about future and making retirement plans. Younger generations almost never think about retirement planning, although this is serious and important issue to think about.

Retirement planning

Saving money to spend it in retirement days seems like a thing far away to many people, but truth is that time goes fast and it is wise to make plans about future. Many people avoid retirement planning because it reminds them of getting old. But you should get rid of that mindset, quick!

Life begins after you retire

Sure, the working days are over, but being retired does not mean that the life stops.…

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Get The Most Value for Each Dollar You Spend: Here’s How (Infographic)

Think of the ways you spend your money! Be specific, be controlled and affording luxurious things will no longer be a dream. The infographic drawn by Oliver’s Travels gives us a clear comparison between what we buy and what we could buy for a certain amount of money.

Piggy bank

What if you were told that instead of spending money on 12 nights out in NYC, you can book a 5-Day tour to visit Canada and view the Northern Lights? What if you do not spend $906 on Christmas this year and instead rent out a villa in the Caribbean! The infographic has an advice for Formula 1 fans too.…

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Which Makes More Cents In Canada: A Big Banking Institution or a Credit Union?

Credit unions perform the same functions as banking institutions around Canada, but not everyone knows what they are or how they work. Whether the average Canadian is looking to invest their money in a savings account or borrowing money for a home or car purchase, they typically go straight to their local bank lender. But that might be a mistake. Not investigating the many opportunities to join a credit union and reap the benefits may have many consumers missing the financial boat.

Credit union

It isn’t just Lehman Brothers who got caught doing unscrupulous things over the past decade; Wells Fargo is still involved in a class-action lawsuit for signing up customers for products unwittingly and using their banking information without their clients’ knowledge.…

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