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Are calling cards still relevant?

In this day and age with cell phones everywhere, VoIP services bringing down long distance charges, and all of the other wonders of modern technology at your finger tips, it is natural to look at older technology and ask the question, "Are calling cards still relevant today?" Read more
Are calling cards still relevant?

Featured Tip

Quick tips for the business insurance beginner

Make sure you understand the different liability insurance options and don't assume homeowners will cover a home business.



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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


The CARD Act and potenital new credit card fees
The CARD Act and potenital new credit card fees
The CARD Act eliminated some credit card fees, but may spur others, including some former fees to be reinstated. The new and/or reinstated fees may come as credit card companies attempt to make up some potential revenue losses. 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 fact or fiction, part IV
Banking fact or fiction, part IV
Separating banking myths from the facts is an important part of finding the best banking solutions for your needs. The final of a four-part series, here are tips to help you separate the truth from the inaccuracies when it comes to savings and loans. 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


Know the different types of auto insurance coverage
Know the different types of auto insurance coverage
If you own a car, it is required by law to have auto insurance. Before buying just any auto insurance, however, it is important for you to understand the different types of auto insurance coverage so you can make an informed choice when deciding what type of coverage to get for your particular needs. 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







Advice, Tips and FAQs


Questions to ask when choosing a home insurance plan
Questions to ask when choosing a home insurance plan
In many ways, buying homeowners insurance is like dining at a fine restaurant where everything is a la carte. Most policies are more of a custom variety instead of standard one. Knowing the right questions to ask helps you get the coverage you need at prices you can afford. 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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Understanding the subtleties of life insurance
Understanding the subtleties of life insurance
While the principle of life insurance is straightforward and simple, there are many combinations of components that often create complexity. Here are some suggestions to help you master some of the more subtle issues when considering and/or purchasing a life insurance policy. Read more






Long Distance

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Are calling cards still relevant?
Are calling cards still relevant?
In this day and age with cell phones everywhere, VoIP services bringing down long distance charges, and all of the other wonders of modern technology at your finger tips, it is natural to look at older technology and ask the question, "Are calling cards still relevant today?" Read more

· The value of toll free numbers

· Control long distance costs with prepaid calling cards

· VoIP fact sheet

· Voice over IP - The future is now






Tips and FAQs


What to do if you’ve been “crammed”
Have you ever been confused by what you saw on your telephone bill? You are not alone. Read more




Internet Service

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Read the fine print in your ISP contract
Read the fine print in your ISP contract
Most people simply hit the "accept" button when agreeing to an Internet service provider (ISP) agreement. Often only on rare occasions do they realize exactly to what they are agreeing. Here are some important, not necessarily positive, things you should know before you sign your next ISP contract. Read more

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

· How to choose a wireless router

· Benefits of broadband: More than simply speed

· 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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Five things to know about auto loans
Five things to know about auto loans
Auto loans can be tricky to understand and negotiate until you learn some very basic facts about the process. For many people, a simple lack of information is the biggest obstacle to getting the best possible deal on a auto loan. Consider these five things before making your next auto loan decision. Read more

· Gap insurance explained

· Understanding the Truth in Lending Act

· Leasing vs. buying: Determining the best option

· Pros and cons of auto leasing






Tips and FAQs


Who should refinance a car?
Not all car owners bother to refinance their cars but there are, in general, three types of consumers that seek refinancing. 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

· A look at the Recovery and Reinvestment Act

· Understanding the limitations of health insurance

· Four things to know about health insurance

· Questions to ask when choosing a health insurance plan






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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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

· Practical budgeting for new college graduates

· The push to include student loan debt under bankruptcy protection

· Benefits of student loan consolidation

· Five things to know about student loans






Tips and FAQs


Consolidate student loans within the grace period
A great piece of advice regarding federal student loan consolidation is to consolidate within the six-month grace period. Read more




Cell Phones

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Using a cell phone overseas
Using a cell phone overseas
Using a cell phone overseas can potentially be a troublesome and/or expensive endeavor. But there are several ways to stay connected and also save money when planning to use a cell phone from an international location. Here are some suggestions to achieve both of these goals without too much trouble. Read more

· Control long distance costs with prepaid calling cards

· How to choose a wireless plan

· Advantages of prepaid cell phone plans

· Facts about prepaid cell phones






Tips and FAQs


GSM vs. CDMA vs. iDEN
Which cell phone carrier technology is best? To get the answer, ask yourself a better question: "Which is the best technology FOR ME?" Read more



Finance Calculators

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.


CD Ladder Calculator

Examine the benefits of investing in a series of Certificates of Deposit (CDs), a strategy also known as CD laddering.


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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.


HSA vs Traditional Health Plan Calculator

Compare a High Deductible Health Plan (HDHP) / Health Savings Account (HSA) combination to a traditional health plan.




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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