Complete Finance Blog

The ability to get a small loan is going to help you in many aspects of your life. Most major life events happen only because of the financial provided by a lender. Knowing what you need to get approved for a loan will improve the odds that you get approved.

Lower Your Debt-To-Income Ratio

Most lenders are going to take a close look at your financial situation. You can approve your chances of getting a loan by having low levels of debt. Aim to have a debt-to-income ratio of less than 30 percent. This will assure lenders that you have the necessary income to dedicate to the loan you are applying for.

Consider Using Collateral

Collateral is a great way to increase your chances of getting a loan. For example, you could use your home as collateral in a home equity loan. Putting up something of value will give the bank a chance to get its money back if you do not repay the loan. Collateral can also lower your interest rate.

Have A Satisfactory Credit Score

All loans are subject to a credit check. This means that lenders are going to check your credit score to see if you are worth taking a risk on. Read more…

Dear WhatsMyScore blog readers,

I’m not going to lie to you—Valentine’s Day is not my favorite holiday. I am just not into fighting to get dinner reservations, and flowers and chocolates are overrated. But I’m also a romantic, and love an excuse to spoil my bf . If you’re a romantic and want to give your boyfriend, girlfriend, wife, husband or best friend something sweet this year, I have one tip for you: be thoughtful. Pricey jewelry is nice, but cool dates and small gifts are where it’s at. Here are a few totally affordable options:

• Get cooking. What’s more thoughtful and sweet than cooking your sweetie’s favorite dish, or something new and fancy? Think candles, tablecloth, dessert—the works.
• Bake it up. Lemon cake is on my list this year. Since my guy is far away, I’m going to bake it, wrap it up in red tissue paper and mail it over. Come on, a care package? So sweet.
• More music. You guys have seen High Fidelity, right? Because Rob was onto something. Introducing your lo

Read more…

Organizational leaders and senior managers will now find it more convenient to earn an Executive MBA, thanks to a new format at the University at Buffalo School of Management.

Beginning in fall 2012, classes will be held all day Friday and Saturday every third weekend (with some exceptions for holidays), and participants will be able to complete the program in 20 months.

“Executives are working longer hours and have more demands on their personal time,” says Courtney J. Walsh, assistant dean for executive education at the UB School of Management. “But they want a program that offers a reasonable schedule without sacrificing world-class content.”

The new schedule retains all the content, but packages it in a way that reduces the amount of time away from the office during the regular workweek by 25 percent.

Walsh says the new format will also accommodate those with rigorous travel schedules as well as the increasing numbers of executives from Toronto, the Southern Tier and Central New York.

In between class weeks, tutoring in quantitative courses will continue to be offered live at UB or over the Web.

The UB Executive MBA program develops leaders who can initiate change and drive business strategy within their organizations. Particip

Read more…

Do you gasp in shock every time your optometrist offers you a pair of $300-$400 eyeglasses? Do you have more than one family member needing corrective lenses? If you don’t want to go into debt after every eye exam, you’ll want to pay careful attention to what I’m going to say next. It pays to shop around. In fact, anyone on a budget knows that there are some incredible deals to be had by ordering your prescription eyeglasses online.

Here are five places where you can find significantly discounted glasses. You’ll need a copy of your most recent eye exam and a credit card to order them with. It’s also helpful if you like their Facebook pages because that’s where you’ll find coupon codes, free shipping offers, and other opportunities for savings.

No matter what your style or prescription may be you’ll find a wide range of eyeglasses by visiting these five websites. Take advantage of special offers and make use of coupons to keep your eyecare needs under control this year.

To see if you and your family qualify for free eye exams, visit Vision USA. Income requirements and information about program eligibility is available on the organization’s website. Other companies t

Read more…