Nicole Switzer, Licensed Real Estate Salesperson

03/08/2022

How To Calculate Debt To Income Ratio (DTI)

Monthly Debt Pmt / Gross Monthly Income = DTI

Lenders use this number to calculate the amount you owe creditors each month.

How much can you afford for your mortgage?

Good 36% or less
Moderate 37% - 50%
High 51% or higher

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Fact: Being debt-free with money in the bank feels much better then having an exotic car, a nice house and in Major DEBT.

03/31/2020

Fact: No body is perfect, BUT your credit can be.

03/30/2020

Monday Money Tip: Living your best life is amazing! Living your best life on Credit ... not so amazing.

03/24/2020

Fact: Wisdom is to live in the present, plan for the future and profit from the past.

03/23/2020

Monday Money Tip: Stop Procrastinating. Turn today into your Day

03/21/2020

The most authentic thing about us is out capacity to create, to overcome, to endure, to transform, to love and to be greater than our suffering.
-Ben Okri

03/20/2020

Live your questions now, and perhaps even without knowing it, you will live along some distant day into your answers.
-Rainer Maria Rilke

03/19/2020

Man never made any materials as resilient as the human spirit.
-Bernard Williams

03/18/2020

In the long run, we shape our lives, and we shape ourselves. The process never ends until we die. And the choices we make are ultimately our own responsibility.
-Eleanor Roosevelt

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FACT: The best investment you will ever make is in yourself.

03/17/2020

We generally change ourselves for one of two reasons: Inspiration or Desperation.
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