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When to introduce credit cards to your children

Unless you are committed to avoid using credit in any form, you should educate your children about credit cards and other loans at some point. They won't learn any meaningful information about credit during the typical school day, nor will they normally increase their knowledge base from their friends or family. Read more
When to introduce credit cards to your children

Featured Tip

When is investing in CDs a good choice?

Certificates of deposit (CDs) are great vehicles for investors who want a short-term, fixed investment. Why short-term?



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Credit Cards

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Consumers putting their money in different places now
Consumers putting their money in different places now
A recent report from credit giant TransUnion took a look at where people are now putting their money and had some interesting findings. Read more

Credit card delinquencies lowest in nearly two decades
Consumer delinquency rates saw significant drops in the fourth quarter (Q4) of 2012, led by a drop in credit card delinquencies to the lowest level seen in nearly two decades. Read more





Advice, Tips and FAQs


Five things you may not know about the CARD Act
Five things you may not know about the CARD Act
Among the features of the CARD Act are limitations on penalties and fees, due date regulation, double-cycle billing elimination, and protection for young people. These provisions have enjoyed less publicity than some other features. Read more

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Bank Rates

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Consumers putting their money in different places now
Consumers putting their money in different places now
A recent report from credit giant TransUnion took a look at where people are now putting their money and had some interesting findings. Read more

Sales of vacation homes rise in 2012
Sales of vacation homes rose sharply in 2012 on a year-over-year basis, the National Association of Realtors (NAR) revealed in a recent report. Read more







Advice, Tips and FAQs


CD laddering explained
CD laddering explained
By laddering your certificates of deposit (CDs) you can have a relatively constant flow of money to allow you to take advantage of current interest rates. Find out what CD laddering is, how it works, and ways you can use it to your advantage, even with modest amounts of money. Read more






Home Loans

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Consumers putting their money in different places now
Consumers putting their money in different places now
A recent report from credit giant TransUnion took a look at where people are now putting their money and had some interesting findings. Read more

Mortgage rates reverse course, head lower
Mortgage rates have been steadily climbing uphill in recent weeks, but that trend reversed course in the latest data from mortgage giant Freddie Mac. Read more







Advice, Tips and FAQs


Ten tips for buying a home
Ten tips for buying a home
Purchasing a home is not an endeavor that is done on a whim. Instead, it is a major enterprise that should take into consideration several different facets. It is possible to trim the cost of this purchase with a few simple strategies such as research and investigation. Read more






Auto Insurance

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Just three states left with no ban on texting while driving
Just three states left with no ban on texting while driving
As of September 2013, only three U.S. states remain with no ban at all in place regarding texting while driving. Read more

Increase in Webbing while driving adding to dangers on the road
Not only is texting while driving a concern, but now Webbing while driving is occurring more frequently, State Farm said in a recent report. Read more







Advice, Tips and FAQs


Tips on how to buy discount motorcycle insurance
Tips on how to buy motorcycle insurance
Motorcycles can give you a lot of freedom on the road - especially if you also have the confidence of an excellent motorcycle insurance policy to go with it. Here are six tips to help you buy the right kind of motorcycle insurance and get discounts, too. Read more






Home Insurance

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Late winter water problems bring home insurance into spotlight
Late winter water problems bring home insurance into spotlight
The late winter months often bring with them the threat of water damage to homes from multiple angles, so being aware of what is covered by home insurance and what isn't can be critical to the financial well-being of home owners. Read more

Satisfaction with home insurance companies at record high
Overall homeowner satisfaction with home insurance companies recently reached an all-time record high, J.D. Power and Associates said in a September report. Read more







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Five ways to save money on homeowners insurance
Five ways to save money on homeowners insurance
Finding ways to save money on homeowners insurance may not be as difficult as you might think. Here are five simple ways that you might save significant premium dollars each year, while still having the level of protection that you need. Read more






Life Insurance

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Life insurance policy lost and found
Life insurance policy lost and found
An unfortunate, but not uncommon, problem can occur when a family member dies but his or her life insurance policy cannot be found. Read more

III: Life insurance costs often overestimated
Term life insurance can be a cost-effective financial solutions for many families, the Insurance Information Institute (I.I.I.) said in a recent report. Read more







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Whole Vs. Term Life Insurance
Whole vs. term life insurance
Comparing the merits of whole life insurance and term life insurance can be a tedious task. It is important to outline the differences between term and whole life insurance, which can, in turn, help to clarify some of the benefits of each type of insurance and when to make use of the different coverages. Read more






Long Distance

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The value of toll free numbers
The value of toll free numbers
Toll-free numbers are not just for big business. Instead, toll-free numbers can be an extremely useful and convenient option for individuals and businesses alike. In fact, toll-free numbers can be so affordable that they can be a means for families to stay in touch, stay safe and avoid costly collect calls in the case of an emergency. Read more

· Control long distance costs with prepaid calling cards

· Are calling cards still relevant?

· VoIP fact sheet

· Voice over IP - The future is now






Tips and FAQs


Know your “local long distance” rates
When talking about phone service, there are generally two types of calls: local calls and long distance calls. Not exactly. Read more




Internet Service

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Broadband vs. Dial-up: Which is the best?
Broadband vs. dial-up: Which is the best?
The real debate of the merits of dial-up versus broadband Internet service is over. It has been over for quite some time. Yet, there are still situations when a debate between the two types of Internet service is still appropriate. Read on for an explanation of when a debate of dial-up vs. broadband is called for. Read more

· Questions to ask before signing up with a new ISP

· Benefits of broadband: More than simply speed

· Dial-up Internet service: Ancient or useful?

· All ISPs are not created equal






Tips and FAQs


Six reasons to use automatic payments
If you haven't signed up for automatic payments for regular monthly bills, here are six reasons you should. Read more




Auto Loans

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Leasing vs. buying:  Determining the best option
Leasing vs. buying: Determining the best option
The decision about whether to lease or buy your new vehicle should be based on a number of different factors.  While neither option is better for everyone, both buying and leasing offer advantages that are worth considering.  Your personal budget and financial limitations should not be your only consideration. Read more

· Determine the actual cost of an auto loan

· Five things to know about auto loans

· Gap insurance explained

· Pros and cons of auto leasing






Tips and FAQs


Always avoid late payments
It happens to everyone at some point in life. As soon as you know you can't cover all of the bills due, make a priority list. Read more




Health Insurance

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Five ways to save money on health insurance
Saving money on health insurance is important to everyone. But don't just compare monthly premiums, as the most appealing option from a cost perspective may have major "gaps" in the coverage you might need. Here are some tips to help you control your costs. Read more

· Understanding the limitations of health insurance

· Four things to know about health insurance

· Health Insurance: Take care of yourself and your family

· Health insurance 101






Tips and FAQs


Keep a health journal
Maintain a health journal to help keep track of your health care issues and costs. Read more




Student Loans

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Understanding the Truth in Lending Act
Understanding the Truth in Lending Act
Enacted in 1968, The Truth in Lending Act came into being for the sole purpose of keeping borrowers from falling victim to predatory lenders. The law mandates that lenders are responsible for making sure that consumers are aware of what they are agreeing to when they borrow money. Read more

· Understanding the subtleties of student loans

· Five rules when applying for credit

· Benefits of student loan consolidation

· The push to include student loan debt under bankruptcy protection






Tips and FAQs


What to look for in a private student loan
When compared to federal student loans, you typically need to do a bit more analysis to locate the best private student loan for your situation. Read more




Cell Phones

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Advantages of prepaid cell phone plans
Advantages of prepaid cell phone plans
Many people love the convenience and safety that a cell phone can provide, but they do not love the monthly cell phone bill.  Prepaid cell phone plans can be the perfect choice for those who only use their cell phones occasionally. Read more

· Questions to ask before getting a new cell phone

· Questions to ask when shopping for a cell phone plan

· Ultimate guide to choosing a cell phone and service plan

· How to choose a wireless plan






Tips and FAQs


National vs. regional calling plan – Which is best?
In vast majority of cases, choosing a national calling plan makes the most financial sense. But there are some cases when choosing a regional plan can end up saving you money. Read more



Finance Calculators

Certificate of Deposit Calculator

Compare Certificate of Deposit (CD) options. Compare different rates and lengths to see how much you may be able to earn.


Enhanced Life Insurance Calculator

Decide how much life insurance you might need. Calculations include detailed net worth analysis, budgeting and college savings.


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Home Equity Debt Consolidation Calculator

Use this calculator to determine whether using your home equity to consolidate your debt is the right decision for you.


HSA Savings Calculator

Determine how much your Health Savings Account (HSA) will be worth over time. Fine tune your plan by comparing options.




Knowledge

Make Your Next Decision a Knowledgeable One

Being able to compare products and services is a great thing. It allows you to find the product/service that best suits your needs and also allows the possibility to save as much money as possible.

But questions inevitably arise in the process of comparing. Our knowledge center is here to help out. Our constantly expanding base can help to answer common questions, provide tips, offer advice and provide tools and resources to help you in your decision-making process.


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