May 12th, 2008
 |
Home Budget Analysis Calculator
Managing your monthly budget can be a frustrating experience. And if you don’t currently have a monthly budget, creating one can be difficult and time consuming. Yes, these tasks can be difficult and frustrating, but they don’t have to be. Our home budget calculator can make budgeting a much easier process.
One of the most important aspects of controlling your home budget is to determine exactly where your money is being spent each and every month. The budget calculator can help you do just that and more.
By entering your income details and typical monthly expenditures, you can easily see where your money is being spent and you can also calculate how much money you may have left to save, on average, at the end of each month.
In addition, you can alter the net monthly pay amounts and other miscellaneous income that you currently receive or may receive in the future. Once this information is entered, you are able to view your income breakdown alongside your monthly expenditures breakdown.
This calculator is one of more than 25 financial calculators available on e-wisdom.com to help you save time and money. Make your next financial decision a knowledgeable one, visit our knowledge center for tips, advice, tools, resources and more.
|
|
|
|
 |
May 8th, 2008
 |
The Fed Proposes New Restrictions for Credit Cards
The Federal Reserve, acting in conjunction with the National Credit Union Administration and the Office of Thrift Supervision, recently proposed new rules and restrictions that target what they consider to be “unfair” practices currently in use in the credit card industry.
Aspects targeted by the proposed rules include:
- The length of repayment periods
- The allocation of payments
- Methods for computing balances
- Reasons for adding new fees
- Reasons for increasing annual percentage rates
Full article: Government moves to rein in unfair credit card practices
Reaction to the proposals is mixed, as it remains to be seen how many of the proposed rules and restrictions will become a reality. The changes could be finalized by the end of the year, at which time it will be easier to predict how the typical credit card user will be affected.
Make your next financial decision a knowledgeable one. Be sure to utilize the tools and resources available in our knowledge center to stay on top of your personal finances. Analyze your credit card situation with our credit card calculators or visit our credit card tips and advice center for answers to common questions related to credit cards.
|
|
|
|
|
May 5th, 2008
 |
New Life Insurance Tips and Advice Center
Our new life insurance tips and advice center is the latest addition to our ever-expanding knowledge base.
Whether you a novice, an expert or somewhere in the middle when it comes to understanding life insurance, this new area should be able to help you make the right decision for you and your family.
Topics Include:
- Life Insurance Explained
- Life Insurance Terminology
- How to Choose Life Insurance
In addition to finding answers in this new informational area, you can also estimate how much life insurance coverage you may need with our life insurance calculator and then compare life insurance quotes from multiple insurance companies to complete the research process.
Make your next life insurance decision a knowledgeable one. Choosing an appropriate life insurance policy is a difficult and important decision that can be made much easier when the right information is at your disposal.
|
|
|
|
|
May 1st, 2008
 |
What exactly are Authorized Online Dealers?
Purchasing a cell phone and signing up for a wireless service contract online can be a confusing task. But it doesn’t have to be. One of the terms that you will find yourself seeing often is “authorized online dealer.” So, what exactly is an authorized online dealer, and, more importantly, how does it affect you as a potential customer?
Authorized online dealers are simply online sellers that are approved by the carriers to sell wireless devices online. There are only a handful of “authorized online delaers” out there and we have partnered with them all in order to help you find the best possible deal online.
See: What do you mean by authorized online dealers?
Whether you are looking to purchase a new cell phone and/or service contract, upgrade your current cell phone and/or plan, or are just shopping around for the latest wireless deals, be sure to visit our cell phones area. You can search for cell phone deals by zip code or simply browse the latest phones, carriers and plans, regardless of location.
You can compare phones side-by side, read in-depth expert reviews of the latest models and compare different plans offered by wireless carriers in your area.
If any questions arise in the process, visit our cell phone tips & advice center or our cell phone buying guide. Make your next wireless decision a knowledgeable one. Understanding the scope of your available options is a good first step to making the right decision and saving money in the process.
|
|
|
|
|
April 28th, 2008
 |
Changes in the student loan industry
A recent article detailed the current state of the student loan industry in relation to the credit market turmoil and also what it all means to current and potential student loan borrowers. It is a must-read for anyone currently seeking student loans.
Many lenders are currently cutting back on all or some of their student loan offerings, tightening their credit standards and/or raising interest rates. Some of these moves are directly connected to the state of the credit market at the present moment. All in all, it is getting tougher to find funding and options are getting slimmer.
See full article: Navigating student loans tricky in the wake of credit crunch
If you are currently seeking student loan funding or will be in the near future, it is recommended to stay on top of the situation by following the news and frequenting reliable sources of information on the topic. Good places to find this type of information are listed below.
Student Loan Resources
FAFSA - Free Application for Federal Student Aid
Find out what information you’ll need to apply, fill out the application and view your results online.
NSLDS.gov - National Student Loan Data System for Students
Provides a centralized place where students can access and inquire about their loans and/or grant data.
Student Aid on the Web - Federal Student Aid on the Web
Information, from the U.S. Department of Education, about preparing for and funding edcuation.
In addition to the above student loan resources, you can also make use of our student loan calculators and student loan advice center. Make your next student loan decision a knowledgeable one. A little research can help in many different ways.
|
|
|
|
|
April 24th, 2008
 |
Savers now feeling the credit crunch
A recent article detailed how yields on savings accounts and other deposit accounts have dropped recently, and what the falling yields mean for consumers right now.
According to the article, rates are dropping pretty much across the board, but how much the rates have dropped varies from bank to bank. All in all, it pays to shop around for the best rate if you are currently looking to put money away in a savings account, certificate of deposit or money market account.
See full article: Savers Feel Pinch of Tight Credit
It’s easy to analyze your savings situation with our savings calculators. These calculators can help you formulate a customized savings plan by allowing you to compare different savings options, set savings goals and more.
Once you have created a reasonable savings plan with reachable savings goals, you can compare savings options online. The comparisons include savings accounts, money market accounts and certificates of deposit that are available as online banking options.
Make your next banking decision a knowledgeable one. A little research and planning can really pay off in the end.
|
|
|
|
|
April 21st, 2008
 |
What are the three primary types of health insurance?
When choosing a health insurance provider, it can be beneficial to start with the basics and gradually work your way into the more complicated aspects before making a final decision. A good place to start is with a list of the primary types of health insurance.
Understand the differences and similarities between different types of plans and then see which types of plans may be suitable for you. And once those aspects are clear, you can move on to researching which types may available to you.
Main types of health insurance:
- Health Maintenance Organizations (HMOs)
- Preferred Provider Organizations (PPOs)
- Fee-for-service Plans
Full answer: The Three Primary Types of Health Insurance Plans
Before choosing a health insurance provider, it is recommended to fully research all options that may be available to you. Visit our knowledge center for answers to questions that may arise in the research process. Our health insurance tips & advice area is filled with useful information that can help make your next insurance decision a knowledgeable one.
|
|
|
|
|
April 17th, 2008
 |
Compare the latest cell phone specials available right now
The most recent additon to our cell phone section is our cell phone specials section. In this frequently updated section, you will find specials that include a free cell phone with a new service contract, as well as “better than free” specials.
“Better than free” cell phone specials are those that include rebate deals in which you can not only recieve a free cell phone (with new service), but you can also receive addtional cash back as well (after rebate).
The new cell phone specials page contains up to ten of the latest and greatest wireless deals available online. But if you don’t find a good match for your needs on that list, you can also search wireless deals by zip code, browse cell phone deals by carrier, compare available wireless plans, or use our cell phone finder to locate a specific phone.
If any questions arise in the research process, be sure to visit our cell phone tips and advice center and/or our cell phone buying guide for help answering those questions. Make your next wireless purchase a knowledgeable one. Be aware of all of the options available to you before agreeing to your next wireless contract.
|
|
|
|
|
April 14th, 2008
 |
How much life insurance do you need?
One of the latest additions to our growing financial calculators collection is our fully customizable life insurance calculator. With this calculator, you can simply enter your current assets, expenses, income to get an estimate. You can also adjust the inflation rate and your expected rate of return to personalize the results even more.
Try it now: Life Insurance Calculator
Once you have a reliable estimate of the amount of life insurance that you many need, you can compare life insurance quotes from multiple insurance providers. Consider as many options as possible before making a final decision.
We now offer more than 25 financial calculators to help make financial decisions easier. At the very least, these adaptable calculators can help you to paint a clear picture of your current financial situation, which can ease the decision-making process.
|
|
|
|
|
April 10th, 2008
 |
Protect Your Identity with an ID Theft Prevention Service
We’ve all heard the reports about the growing threat of identity theft and fraud. If your personal information is compromised, any fraudulent financial activity that happens as a result can negatively affect your credit score and ability to borrow for years. Not many can deny that the threat of ID theft should be taken seriously. But when is it time to consider signing up for an identity theft protection or prevention service?
The answer to that question varies from person to person. If you feel that your personal information either is or was vulnerable in the recent past, the answer should be easy. On the other hand, if you don’t have reason to believe that your personal information has been compromised, the answer depends more on your overall comfort level and how closely you wish to monitor your personal financial situation.
One thing that is certain, however, is the fact that identity protection and prevention services are beginning to offer more and more useful products to help individuals actively monitor their credit and also protect themselves from potential fraud.
We recently compiled a list of ID theft protection services for comparison purposes. You can easily compare the various products and services offered by each company to find a good fit for your specific situation, whatever it may be at this point in time.
Compare identity theft protection and prevention services now
For more information about credit monitoring and identity theft protection, see about credit monitoring, which is a subtopic within our credit tips and advice area. And be sure to visit our knowledge center for more information about any topic found on e-wisdom.com.
|
|
|
|
|
| « Previous Entries | |
· Complete Blog Archives |
|
