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Featured Advice

Has there ever been a better time to refinance?

With mortgage interest rates currently lower than previously recorded, many homeowners wonder if there has ever been a better time to refinance their property. The best answer is "yes and no." Read on for a detailed explanation. Read more
Has there ever been a better time to refinance?

Featured Tip

Money market vs. savings accounts

When researching bank rates, you will often see money market account rates and savings account rates lumped together. How do they differ?



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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

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





Advice, Tips and FAQs


All credit cards are not created equal
All credit cards are not created equal
Many people think that all credit cards have basically have the same fees. This is not true. You should understand that "fees" increase your effective credit card interest rate and finance charges. Being selective in your choices of the cards you get might save you money and fees. Here are some hints and suggestions. 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

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







Advice, Tips and FAQs


What you need to know about the recent overdraft protection changes
What you need to know about recent overdraft protection changes
Beginning July 1, 2010 for new accounts and August 15, 2010 for existing depositors, banks will no longer offer automatic overdraft protection for ATM and debit cards. For a certain percentage of people, these changes may be significant. 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

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







Advice, Tips and FAQs


Mortgage rates fall to another new low
Mortgage rates fall to another new low
First, the good news: Mortgage rates are at all-time lows. The bad news: The housing market is still severely depressed. This apparent conflict is real and, unfortunately, understandable.  Let’s examine the good news first - and the reasons for it. Read more






Auto Insurance

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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

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







Advice, Tips and FAQs


Questions to ask before getting a new auto insurance policy
Questions to ask before getting a new auto insurance policy
You might consider getting new auto insurance for a variety of different reasons. One thing is constant, though: Auto insurance coverage can be complex and expensive at times. Here are some questions to ask before you purchase a new auto insurance policy to help you get the best deal possible. Read more






Home Insurance

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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

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







Advice, Tips and FAQs


How much homeowners insurance do you need?
How much homeowners insurance do you need?
It is only sensible to secure any investment that you make, and even more so if it is your home. The best measure you can take to protect your home is to have homeowners insurance. But for how much should you insure your home? Determining exactly how much homeowners insurance you need requires some careful thinking on your part. Read more






Life Insurance

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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

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







Advice, Tips and FAQs


Five life insurance don'ts
Five life insurance "don'ts"
Life insurance is a classic example of a rather simple concept that can become quite complex in its proper implementation. Much has been written about everything that one should do when buying life insurance. Less is known about some of the things not to do. 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

· Exploring the benefits of VoIP

· The value of toll free numbers

· Voice over IP - The future is now

· Control long distance costs with prepaid calling cards






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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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

· How to choose a wireless router

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

· Voice over IP - The future is now

· All ISPs are not created equal






Tips and FAQs


Mobile banking: A realistic option?
With iPhones, laptops, Droids, and other cutting-edge mobile products hitting the market almost daily, mobile banking has become a hot new trend - but is it really just a trend? 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

· Gap insurance explained

· How a credit score is calculated

· Pros and cons of auto leasing

· Five rules when applying for credit






Tips and FAQs


Who might benefit from term life insurance
People of all ages have a lot of choices to make when they apply for life insurance. The first choice they must make is between term insurance and whole life insurance coverage. Read more




Health Insurance

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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

· Health savings accounts (HSAs) explained

· Health Insurance: Take care of yourself and your family

· Understanding the limitations of health insurance

· COBRA health insurance explained






Tips and FAQs


New rules for ATM/debit cards
New ATM/Debit Card rules eliminate automatic overdraft protection, unless you specifically authorize the service and the charges. Read more




Student Loans

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Guide to Budgeting for College Graduates
Guide to budgeting for college graduates
More college graduates than ever are entering the world of work loaded down with high loan payments. Learning how to create and stick to a good budget is perhaps the most important single piece of advice any new graduate can receive. No one likes to enter the workforce saddled with debt, but a realistic budget can help to reduce that debt to a more manageable level. Read more

· The push to include student loan debt under bankruptcy protection

· Understanding Stafford student loans

· Private vs. Federal student loans

· Former students and the changing student loan industry






Tips and FAQs


New rules for ATM/debit cards
New ATM/Debit Card rules eliminate automatic overdraft protection, unless you specifically authorize the service and the charges. 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

· Family and shared cell phone plans explained

· Cell phones: Making the switch

· Buying a cell phone - A consumer's guide

· Using a cell phone overseas






Tips and FAQs


Ask about safe driver discounts
One quick and easy way to lower your auto insurance rates is to find out if you qualify for any "safe driver" discounts. Read more



Finance Calculators

Loan Comparison Calculator

Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.


HSA vs Traditional Health Plan Calculator

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


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Life Insurance Calculator

How much life insurance do you need? Simply enter your current assets, expenses, income to get started.


Auto Rebate vs. Low Interest Calculator

Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.




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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