Are you considering applying for a home mortgage? Whether it's a new house loan or you want to refinance an existing home loan, one of the most important qualification factors is the debt-to-income ratio (DTI). What is this ratio? How can you calculate yours? And what details should you know about it? Here are some answers to your burning questions.  What Is the Debt-to-Income Ratio? The debt-to-income ratio is a calculation that tells a lender how much debt you carry in relation to your income.

When your loved one is facing felony charges, you will certainly try your best to get them out. In most cases, you will be required to post bail as a condition for their release. And if you don't have the full amount, you can obtain the full amount by paying a portion of the bond amount to a licensed bondsman. If you're not sure this option is good for you, read on to learn how you can save money on bail bonds.

When you think about your church, your first thoughts likely go to the congregation, the sermons, and the guidance, not your finances, accounting, and records. If this is true, you're in good company. After all, your focus is on the people and delivering the message of your faith, not crunching the numbers and dealing with bills. That's why many church leaders opt for bookkeeping services. If you're considering this, you may have found that there are some virtual bookkeeping services as well.

Some people save up money to buy cars, but others get auto loans to purchase vehicles. Do you have enough cash to buy one, or will you need a loan? If you do not have plenty of cash to use, you will have to get an auto loan, but you might wonder how to get one. You can get one in many ways, and here are some of the choices you have.

If you are in the market to purchase a used or new car, you may want to seriously consider working with a credit union to secure the loan you need for your vehicle. #1: Low-Interest Rates One of the biggest reasons to consider working with a local credit union is that they generally offer lower interest rates than big traditional banks. As a credit union is a not-for-profit institution, unlike a bank, it can offer lower interest rates on loans to customers.

The sound of a jail cell closing shut is not something anyone ever wants to hear, but now you've got to try and get yourself out of a bad situation. Fortunately, the justice system provides a way for some defendants to get out of jail pending their trial, and that's the opportunity to post bail. Bail can be expensive though, and that's why bail bond companies are in business. If you've never been in this situation before though, you might not be sure where to begin.

Billing is an important part of having a legal firm. You have to manage this aspect just right if your practice wishes to be paid on time and with minimal complications getting in the way. Help is available thanks to services offered by legal billing consultants. Bringing them in can help with a lot of things. Make Billing More Predictable One thing you don't want your billing to be is unpredictable.

If you have gold jewelry you no longer want and would rather sell, then you should know where to sell it. There are a wide variety of options, but three of the best ones are pawn shops, secondhand jewelry stores, and gold scrap centers. Here are three great places to sell gold jewelry. Pawn Shop One of the best ways to sell your gold jewelry is by selling it to a pawn shop.

The beginning of the year is here, and for many households, that means it is time to start thinking about filing taxes. One of the biggest decisions that people face is whether they should use an online program to help them file their taxes or whether they should use a person who offers tax services. There are many benefits to using a person instead of an online tax service. Here are some of those benefits.

Finding out that a loved one has been arrested and jailed can be devastating. Helping your loved one means one thing: getting them bailed out of jail. Fortunately, this can be accomplished far easier than you might think, thanks to bail bonding agents. These heroes work with you at your most stressful time to arrange for your loved one's freedom. Read on to find out more about bail bonds and how to take action to rescue your loved one.