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Featured Advice

Control long distance costs with prepaid calling cards

Communication has never been more important than it is today, but all of those long distance calls can carry a hefty price tag. As a result, many people have been looking for ways to control the cost of their calling services, and prepaid services can be a big help in that regard. Read more
Control your long distance costs with prepaid calling cards

Featured Tip

To the uninsured: Should you wait for universal healthcare?

Aside from the obvious reason of protecting yourself from financial ruin, there are additional reasons to buy health insurance now rather than wait.



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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


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

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


Has there ever been a better time to refinance?
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






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


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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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


Homeowners insurance 101
Homeowners insurance 101
If you own the home that you live in, you must have homeowners insurance - no exceptions. But are there any circumstances when you don't need this coverage? Or are there any situations when you could decline to purchase it? Read on for more. 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


What you should know about term life insurance
What you should know about term life insurance
Exactly what is term life insurance? And what makes term life insurance different from other types of life insurance plans? Read on for a detailed decription of term life insurance, as well as tips on purchasing a term life insurance policy that is right for your needs. Read more






Long Distance

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VoIP fact sheet
VoIP fact sheet
Voice over Internet Protocol is quickly gaining ground over traditional landline service in the phone market. While the debate is still in progress, VoIP does offer a few plusses over traditional landlines. Read on for important facts about Voice over Internet Protocol service that can help you to decide whether it is right for you. Read more

· Voice over IP - The future is now

· The value of toll free numbers

· Are calling cards still relevant?

· Exploring the benefits of VoIP






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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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

· All ISPs are not created equal

· How to choose a wireless router

· Voice over IP - The future is now

· Benefits of broadband: More than simply speed






Tips and FAQs


Save on auto insurance with an anti-theft device
Depending on your state and insurance company, you could save up to 30% off premiums for comprehensive coverage when you provide proof of anti-theft devices. 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

· Leasing vs. buying: Determining the best option

· Understanding the Truth in Lending Act

· Pros and cons of auto leasing

· Determine the actual cost of an auto loan






Tips and FAQs


Quick tips to save money on auto insurance
The one thing that almost all of us have in common when it comes to auto insurance is that we all want to pay less for it. Here is a collection of easy tips to lower costs. Read more




Health Insurance

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Questions to ask when choosing a health insurance plan
Questions to ask when choosing a health insurance plan
Asking the right questions before you choose a health insurance plan can save you money and give you the best coverage available. There are many good options, but, depending on your circumstances, one or more may be better for you.  Here's how to pick the best plan. Read more

· A look at the Recovery and Reinvestment Act

· COBRA health insurance explained

· Understanding the limitations of health insurance

· Five ways to save money on health insurance






Tips and FAQs


Think carefully before filing a claim
Homeowners often become disillusioned with the idea of insurance when disaster strikes and their provider is not as benevolent as they believed. Read more




Student Loans

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Practical budgeting for new college graduates
Practical budgeting for new college graduates
Making it through college is no small accomplishment, and getting out of school unscathed by student loans is even more miraculous.  More and more students are taking on larger and larger debt burdens just to make it through.  In order to get off to a solid start in the working world, college graduates must learn to budget effectively.
Read more

· Five rules when applying for credit

· How to get started with private student loans

· Private vs. Federal student loans

· Private student loans explained






Tips and FAQs


About the National Flood Insurance Plan (NFIP)
The National Flood Insurance Plan, or NFIP, is a program for homeowners, renters and business owners to buy insurance against flood damage that is not covered by a standard property policy. Read more




Cell Phones

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Control your long distance costs with prepaid calling cards
Control long distance costs with prepaid calling cards
Communication has never been more important than it is today, but all of those long distance calls can carry a hefty price tag. As a result, many people have been looking for ways to control the cost of their calling services, and prepaid services can be a big help in that regard. Read more

· Local vs. national calling plans

· How to choose a wireless plan

· Questions to ask before getting a new cell phone

· Advantages of prepaid cell phone plans






Tips and FAQs


Save on auto insurance with an anti-theft device
Depending on your state and insurance company, you could save up to 30% off premiums for comprehensive coverage when you provide proof of anti-theft devices. Read more



Finance Calculators

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.


Balance Transfer Calculator

Calculate the best distribution of your credit card debt. Determine which balance transfers will produce the greatest savings.


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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.


Credit Card Minimum Payment Calculator

Use this calculator to determine how long it will take you to payoff your credit cards if you only make the minimum payments.




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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