Lazaro Godfrey, Author at On Deck Refinance

Dec312025 by Lazaro GodfreyNo Comments

The Homebuyer Workout Plan: Simple Habits That Make You Mortgage-Ready

Mortgage

Getting ready to buy a home is a lot like getting in shape. You don’t crash diet for a week and expect results. You build habits that strengthen you over time. Mortgage readiness works the same way. Buyers who succeed aren’t always the highest earners. They’re the most prepared. Preparation comes from daily financial habits that make lenders confident and buyers comfortable. Step 1: Train Your Budget Muscle Before you shop for homes, you need to understand your spending. Track where your money goes for at least 60 days. This isn’t about judgment. It’s about clarity. When lenders review applications, they look at your debt-to-income ratio. Knowing your numbers early helps you spot areas to improve before it matters. This habit builds the foundation for true mortgage rea...

Dec302025 by Lazaro GodfreyNo Comments

Building Financial Confidence Across Your Organisation: Why Professional Finance Training Matters

Finance

In today’s fast-moving and highly regulated business environment, financial confidence is no longer the sole responsibility of the finance department. From senior leaders and operational managers to project teams and non-financial professionals, organisations across the UK are recognising the growing need for strong financial understanding at every level. This is where professional finance training plays a critical role. Many organisations assume that financial knowledge naturally develops on the job. However, without structured learning, this often leads to inconsistent understanding, poor decision-making and unnecessary financial risk. Investing in tailored finance training helps organisations build a common financial language, improve performance and support sustainable growth. Fina...

Dec32025 by Lazaro GodfreyNo Comments

How to Find the Right Franchise Consulting Company to Franchise? 4 Best Tips

Finance

Franchise consultants are often the best partners you can have when it comes to building your vision for a successful franchise. When you partner with franchise consulting experts, you gain access to professional guidance from people who truly understand what it takes to make a franchise grow and thrive. These experts can help you find the right path to profitability that matches your business goals and vision. Working with a skilled consulting team allows you to focus on the big picture while they handle the details of the franchising process. Starting and expanding a franchise involves many important steps and decisions. When managed properly, it can be one of the most rewarding and profitable business models in the world. Companies like FMS Franchising specialize in helping small bus...

Aug282025 by Lazaro GodfreyNo Comments

Why Every Small Business in Beaver, UT Needs a Reliable Bookkeeper

Business

Running a small business takes grit, vision, and a whole lot of hard work—especially in a tight-knit community like Beaver, Utah. Whether you're managing a local ranching operation, running a Main Street shop, or providing professional services, staying on top of your finances is key to long-term success. That’s where a reliable bookkeeper becomes not just helpful, but essential. In a town where word of mouth and reputation matter, working with a skilled local bookkeeper offers peace of mind, practical support, and an edge over the competition. Here’s why bookkeeping shouldn’t be an afterthought—and how the right professional can make all the difference for your business. The Backbone of Financial Clarity Bookkeeping is the foundation of any sound financial strategy. It’s more than ju...

May102025 by Lazaro GodfreyNo Comments

Investing in Nifty 500 and IIFL Share Price: Knowledge Worth Knowing

Finance

In India the stock market has many opportunities for both new and experienced traders. Today, two solid options are the IIFL share price and the Nifty 500 index. Their development and performance are attracting interest both. Should you be looking for long-term benefits, these choices need more investigation. They stand for development, consistency, and an opportunity to make investments in India's future. What is Nifty 500? Broad-based index the Nifty 500 is It comprises the top 500 NSE-listed firms. These businesses range in industry from finance, energy, healthcare, IT, manufacturing, and others. About 96% of India's stock market value overall is covered by the index. This is thus among the best instruments available for monitoring the Indian stock market. It aggregates small-, mid...

Feb212025 by Lazaro GodfreyNo Comments

Kurush Mistry on the Power of Collaboration and Mentorship in Energy Trading

Business

In the high-stakes, fast-paced world of energy trading, it's easy to get caught up in the competition and the pursuit of individual success. However, for Kurush Mistry, a veteran analyst with over a decade of experience in oil and renewable fuel markets, the true key to long-term success lies in collaboration and mentorship. "Trading floors can be intense, high-pressure environments," Mistry acknowledges. "There's a lot of focus on individual performance and short-term gains. But in my experience, the most successful traders and analysts are those who understand the value of teamwork and knowledge-sharing." This philosophy has been a cornerstone of Mistry's approach throughout his career. From his early days as a junior analyst to his current role as a leading voice in the sustainabl...

Jan162025 by Lazaro GodfreyNo Comments

How an Accountant Can Help You Plan for Retirement

Business

Planning for your retirement when you have the flow of income for a better and more peaceful period of that part of your life is the best financial decision you can make. When you can work you can still earn; however, when you reach the age of retirement, due to some underlying health issues or the weakness that comes with aging, a simple task becomes a lot harder. Therefore, if you have a good and stable source of money and you decide to plan out your retirement from now on, it will give you lots of relief when the time comes. And for that plan, careful evaluation of your current assets and thoughtful financial forecasting will be required so that your business is secured. Though many plan it independently, a helping hand from an expert will help you a lot. A CPA in Aliso Viejo, Ca...

Dec192024 by Lazaro GodfreyNo Comments

Simple Ways to Identify Top Gainers and Maximise Your Portfolio Returns

Finance

Finding the top gainers in the stock market is effective if you want higher returning profits. Stocks that close higher than they did the previous day are called gainers. Their trends provide insight for the investor to make more apparent judgements. What is a Top Gainer and Why Does it Matter? Top gainers is a term used to describe stocks that have raised the most in price during a trading day. These stocks are expected to have good market demand and favourable investor sentiment. Most are updated in real-time and listed in descending order according to the percentage gains. Investors can track these stocks to determine which short-term opportunities and companies are creating trends. How Can You Identify the Market’s Top Gainers? We can pinpoint top gainers by studying real-time ...

Nov192024 by Lazaro GodfreyNo Comments

Risk Management Strategies Every Small Business Should Implement

Business

If you are running a small business, then you will have to deal with many responsibilities and manage risks at the same time. If you fail to do proper risk management, then your business can face problems with finances, operations, and legal matters. Whether it is about minimizing your tax liabilities, ensuring compliance, or keeping your assets safe, every small business owner needs a good management plan. If you are a small business owner struggling with these issues, then contact Miami small business tax services; they can help you make a risk management plan based on your business and its needs. Read this article to learn some important strategies that you can use for risk management to protect assets, maintain compliance, and have stable growth. Financial Risk Management: Pr...

Nov162024 by Lazaro GodfreyNo Comments

Elder Care Financial Services: Get Quick Assistance From a CPA!

Finance

Your financial standing might change as you age, and you will have to make a challenging decision regarding your finances. But it would be a relief to take a step back from the hassles of financial obligations so you can live with minimal stress. As no older adults intend to lose their freedom, getting financial assistance from the Tampa Bay area CPA is the best decision. Elder care accounting services by a CPA can assist seniors in maintaining their liberty and safeguard their economic well-being. If you're looking for the most reliable elder care financial services, below are some things you should know from a CPA's perspective. Elder Care Tax and Finances You must be fretted about how to afford adequate care for your older parent. A senior social worker must evaluate the health re...