How are debt-to-income ratios used? The debt-to-income ratio is a measurement that lenders use to gauge how likely borrowers are to pay back their debts.

A properly made margarita can make any hot day better. While the 3-2-1 ratio is a perfect guideline, you can easily customize it with some expert advice.

Figuring out your fudge ratio means you've got to jot down estimates for a few tasks, do them, and then compare actual time to estimated time. Pavlina's fudge ratio is about 1.5, which sounds just ...