Understanding Money

Helping you make all the right money moves

Remodeling

Remodeling

Home ownership inevitably means that there will be rooms and spaces that need some extra love and attention, both inside and outside. Whether your project is as small as painting your living room, or as big as completely gutting your kitchen, there are a lot of factors to be considered. We’ve broken down many of the most popular home remodeling projects to help you make good choices before you dive in.

Indoor

The most popular indoor remodeling projects are:

Outdoor

The most popular outdoor remodeling projects are:

Loans

Loans

Between the different types, vast array of providers, and reasons you may be seeking one in the first place, loan shopping can be overwhelming. Whether you’re looking to cover school tuition, move into a home of your own, or start the business you’ve always dreamed of, there are a lot of factors to consider. We’ve compiled the information you need to help you find the best fit for your circumstances.

Personal Loans

Whether you’ve been looking to consolidate credit card debt, buy a jetski, take a big vacation, or splurge on a fancy piece of furniture, a personal loan from a bank, credit union, or private lender may be the solution.

Home Loans

The largest loan most people will take out in their lifetimes, a mortgage traditionally has a 30-year term, requires a down payment, and can have a fixed or adjustable interest rate. Expanding access to home ownership, the quintessential American Dream, to those not able to afford to pay cash, applying for a mortgage is a complex and often confusing undertaking.

Bad Credit Loans

Bad credit loans are loans given to people with bad credit. Yes, you heard that right: even if you have bad credit, you can still get a loan. Finding out you have a bad credit score can feel like getting bad news from your doctor. But, that doesn’t mean you are out of options. Even with a credit score below 600, you can still receive a loan from a trustworthy lender.

Student Loans

Student loans allow students to borrow money to pay for their college expenses. These loans can be applied to tuition, room and board, books, and other living expenses while going to college or graduate school. A large portion of the student loan market is sponsored by the United States government. This allows for these loans to have generally low interest rates and flexible terms.

Small Business Loans

Starting or expanding a small business can be a very difficult task. Most small business owners do not have the funds to lift their businesses off the ground without additional help. Small business loans allow new business owners to fund daily business operations and pursue new business ventures. Depending on what you need the money for, there are a variety of small business loans to choose from.

Auto Loans

Whether you are in the market for your first car, you want to upgrade from your old vehicle, or you’ve decided to purchase a second car, chances are you don’t have enough cash laying around to purchase a new vehicle without some assistance.Different types of auto loans, new vs. used cars, buying vs. leasing, and how to find the best auto loan for your situation are elements with which you should be familiar.

Insurance

Insurance

No one really likes to think about being sick, in an accident, or dealing with damage to their home. Nevertheless, these things do happen, and though insurance can seem like an unnecessary, burdensome expense, the protection it can provide is invaluable. Not all types and providers of insurance are created equally, however. Educate yourself here on the risks-benefit analysis of a variety of insurances.

Life Insurance

Life insurance is a financial product designed to protect your family. It gives them a tax-free cash payment if you die while the policy is in effect. It’s a critical part of financial security, and there are a few main reasons why you should consider buying it.

Health Insurance

Health insurance covers medical expenses resulting from illnesses, injuries, and other conditions. it’s critical to understand the distinctions between different plan options. This guide is designed to answer all of your essential health insurance questions, teaching you the most important terms and definitions, how to shop for coverage, and how to think through various medical decisions.

Disability Insurance

Disability insurance protects your future earning potential in case you are unable to work. It pays out tax-free monthly cash payments to replace lost income due to a disability. Disability insurance is therefore a key part of a financial plan.

Renters Insurance

Imagine your apartment burns down, and you lose everything. How much money would it take to replace all your possessions? That includes your furniture, electronics, clothing, kitchen supplies, and jewelry. Renters insurance provides for the replacement cost of your stuff in case of damage due to natural disasters and theft. It is a relatively inexpensive type of property insurance with a few components.

Homeowner Insurance

Protecting your home and your belongings is a smart financial decision.

There aren’t a lot of things worse in life than losing everything to a natural disaster, or having your house robbed. Setting aside a little money each month to pay for insurance protects you and your family against worst-case scenarios. And, in fact, unless you’re buying a home in cash, mortgage companies require home buyers to have insurance.

Business Insurance

General Liability Insurance is considered the cornerstone of all insurance coverages needed by a small business. It is the basis of what other coverages are built on and should be the first coverage considered for your protection. Whether your business is a one-person operation, Mom and Pop, or an established corporation with 50 employees, General Liability should always be included in your insurance portfolio.

Auto Insurance

Auto insurance is going to be your financial safety net when an accident happens, regardless of whose fault it was. Auto insurance covers you, your car, and others involved in a vehicular accident.

The way it works is you pay a premium based on the coverage you’d like. When something happens that is covered by the insurance, the insurance company will pay for car repairs, hospital costs, etc., based on your contract.

Services

Here at www.ebeteams.com we pride ourselves on creating our signature visualizations. Now we will put our system to work for you and your company, walking you through selecting the right topic, analyzing the data here in-house, and then creating a beautiful visualization that fits you and your particular needs.