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Featured Advice

Factors that can increase your car insurance premium

Several different factors can influence how much a driver pays for his or her car insurance coverage. These factors include, but are not limited to, the no-claims discount, age, gender, storage of the vehicle and more.  Read more
Factors that can increase your car insurance premium

Featured Tip

Introduction to credit scores

It seems like everyone is talking about credit scores these days. Here's a quick rundown on what you need to know about credit scoring and your credit rating.



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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





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Credit card industry changes to the remainder of 2010
Credit card industry changes to the remainder of 2010
The CARD Act has generated many changes for credit cards and cardholder accounts. Credit card industry changes in the remainder of the year should include increased fees, fewer rewards, harder approvals, and higher rates. 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







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Banking changes to expect in the remainder of 2009
Banking changes to expect in the remainder of 2009
The global recession has severely affected the banking industry. Expect to see some significant changes in the remainder of 2009 and beyond. Here are some major changes to expect with savings accounts, money market accounts, and CDs and tips on how to handle the changes.  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







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A look at the Recovery and Reinvestment Act
A look at the Recovery and Reinvestment Act
The American Recovery and Reinvestment Act of 2009 is a complex piece of legislation with numerous tax provisions. Among the highlights are help for the unemployed, first-time homebuyers, Social Security recipients, and taxpayers of all kinds. What does this mean for you?   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


Money saving tips for the car insurance you need
Money saving tips for the car insurance you need
Car insurance may be a necessary purchase, but it can be an expensive one as well.  Fortunately there are some things drivers can do to keep the cost of insuring their vehicles affordable.  Some of these strategies are obvious, while others may not be, but each of them is important in its own right. 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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Public adjusters: When and why you might hire one
Public adjusters: When and why you might hire one
The National Association of Public Insurance Adjusters (NAPIA) identifies public adjusters as experts on property loss adjustment. They are retained by policy holders in order to provide assistance in the preparation, filing and adjustment of insurance claims. 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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Top financial mistakes and how to avoid them
Top financial mistakes and how to avoid them
Financial mistakes of any kind can prove to be very costly.  Knowing the most common financial mistakes, and how to avoid them, can help you stay on the right path.  With a little bit of careful planning and common sense, the financial blunders that commonly occur can be replaced by wise financial decisions that can set the table for a comfortable future. 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

· VoIP fact sheet

· Voice over IP - The future is now

· Control long distance costs with prepaid calling cards

· Exploring the benefits of VoIP






Tips and FAQs


You may not need that unlimited plan
Unlimited long distance phone plans - you can't go wrong with that, right? Wrong. Read more




Internet Service

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All ISPs are not created equal
All ISPs are not created equal
While most major Internet Service Providers (ISPs) deliver acceptable service, they are not all equal. Despite the fact that ISPs all deliver similar services, the quality and other factors can vary widely. Read on for some issues and questions to consider when you're considering switching ISPs. Read more

· Dial-up Internet service: Ancient or useful?

· Read the fine print in your ISP contract

· Broadband vs. dial-up: Which is the best?

· Voice over IP - The future is now






Tips and FAQs


Is unlimited Internet a thing of the past?
For years now, restrictions on Internet use have seemingly disappeared, with "unlimited usage" being a popular selling point for many Internet services providers (ISPs). Not anymore. Read more




Auto Loans

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How a Credit Score is Calculated
How a credit score is calculated
When applying for any kind of new credit, you may notice some fine print on the application calling for a credit check. Your credit score is a three-digit number ranging from 300 to over 800 that is calculated using many different factors. Although the exact methods of computing credit worthiness vary widely, there are a few basics to keep in mind when it comes to credit scores. Read more

· Pros and cons of auto leasing

· Five rules when applying for credit

· Gap insurance explained

· Five things to know about auto loans






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




Health Insurance

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Understanding health insurance:  Payment methods
Four things to know about health insurance
Health insurance and its various payment methods are not always easy to understand. When you are considering health insurance, it is very important to be sure that you fully understand all of the terms of payment.  Let's try to clear up some of the mysteries surrounding these topics. Read more

· Health Insurance: Take care of yourself and your family

· Questions to ask when choosing a health insurance plan

· Health savings accounts (HSAs) explained

· Health insurance 101






Tips and FAQs


Health insurance plans explained
When delving into the topic of health insurance, it's important to have a good understanding of the basic types of coverage that are typically available. Read more




Student Loans

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Former Students Should Keep An Eye On The Loan Industry
Former students and the changing student loan industry
As a former student, it is important to keep tabs on the student loan industry as a whole after graduation.  Understanding the current state of the industry as well as the options that are currently available can greatly benefit graduates who will be repaying student loans of any kind. Read more

· Guide to budgeting for college graduates

· Understanding the Truth in Lending Act

· Current students and the changing student loan industry

· Private student loans explained






Tips and FAQs


One student loan repayment plan is not like another
For a recent graduate, the most important decisions are often about loan repayment and, therefore, student loan consolidation. Read more




Cell Phones

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Local vs. national calling plans
Local vs. national calling plans
There are both benefits and drawbacks to local, regional, and national calling plans for your cell phone. National plans appear to be the most popular in recent years, but are you paying too much? Read on for benefits comparisons that could save you money and/or improve service. Read more

· Advantages of prepaid cell phone plans

· Using a cell phone overseas

· Control long distance costs with prepaid calling cards

· Facts about prepaid cell phones






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

Savings Goals Calculator

What will it take to help reach your savings goals? Find out in a few simple steps. Formulate a customized savings plan.


Credit Card Payoff Calculator

Use this calculator to see what it will take to payoff your credit card balance, and what you can change to meet your repayment goals.


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Mortgage Required Income Calculator

Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.


Savings Rate Calculator

See how different savings rates, the timing of your deposits and different savings strategies can impact your overall savings over time.




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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