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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

About prepaid cards

The most important thing to know about prepaid cards is that they are not credit cards, but they can offer many of the benefits that credit cards offer.



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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


Future effects of the CARD Act
Future effects of the CARD Act
Debate rages about the future effects of the CARD Act and whether it will really help consumers or result in credit limit restrictions. Supporters are convinced that the long-term future ramifications of the Act will eventually help consumers. 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


When will deposit rates go up again?
When will deposit rates go up again?
Savings rates are influenced by competition, loan rates, inflation, deposit dollar volume, global economy conditions, supply and demand, and the Fed. Identifying and understanding these components can help you plan to maximize your deposit dollars. 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


Five things a home equity loan should not be used for
Five things a home equity loan should not be used for
There are many uses for home equity loans, but not all of them are necessarily the best options. At times, you should consider other financing options before choosing a home equity loan. Here are some things to consider and some uses that you should question. 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


Think twice before you call about a claim
Think twice before you call about a claim
Owning a homeowners insurance contract gives you the assurance that everything is covered. If something goes wrong, you can call the given number and file a claim. Hold it right there. Before you get the insurance company involved, you need to know something very important about claims. 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


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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Exploring the benefits of VoIP
Exploring the benefits of VoIP
Voice over Internet Protocol (VoIP) represents the one of the latest, and perhaps one of the most exciting, links in the long chain of telecommunication devices that have connected people through the ages. The potential of VoIP is great and, when in full use, it may totally revolutionize the way people communicate. Read more

· VoIP fact sheet

· Control long distance costs with prepaid calling cards

· The value of toll free numbers

· Are calling cards still relevant?






Tips and FAQs


Don’t pay for your credit report
Don't pay to see your credit report. Instead, you can obtain your credit report for free once per year. You do, however, usually have to pay to see your credit score. 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

· Questions to ask before signing up with a new ISP

· Voice over IP - The future is now

· DSL or cable Internet: Which is better?

· How to choose a wireless router






Tips and FAQs


Unsubsidized vs. subsidized student loans
When it comes to student loans, knowing the difference between subsidized loans and unsubsidized loans is an important concept to understand. Read more




Auto Loans

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Pros and cons of auto leasing
Pros and cons of auto leasing
When is leasing a car a good idea? Can it really save you money or will it cost you more in the long run? Leasing a car can be a wise decision in certain circumstances. Just like any other financial decision, however, it is vitally important to weigh the costs versus the benefits before signing on the dotted line. Read more

· How a credit score is calculated

· Five things to know about auto loans

· Determine the actual cost of an auto loan

· Five rules when applying for credit






Tips and FAQs


Factor in longevity credits
Shopping around for a better insurance premium may save you money, but at some point it may hurt you to jump from carrier to carrier. 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 insurance 101

· Five ways to save money on health insurance

· Four things to know about health insurance

· Questions to ask when choosing a health insurance plan






Tips and FAQs


Unsubsidized vs. subsidized student loans
When it comes to student loans, knowing the difference between subsidized loans and unsubsidized loans is an important concept to understand. Read more




Student Loans

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The push to include student loan debt under bankruptcy protection
The push to include student loan debt under bankruptcy protection
As the law currently stands today, student loans are not dischargeable in bankruptcy. However, there is a possibility that private, not federal, student loans may be allowed to be discharged in bankruptcy in the near future. Read more

· Five things to know about student loans

· Private student loans explained

· Understanding Stafford student loans

· Understanding the subtleties of student loans






Tips and FAQs


Sharing credit card accounts: Exercise caution
Being generous is always nice, but maybe not always wise. Credit accounts should only be shared when you are married. Read more




Cell Phones

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Buying a Cell Phone - A Consumer's Guide
Buying a cell phone - A consumer's guide
When it comes to buying a cell phone, the options are seemingly endless. With all of the available choices, the selection process can be extremely difficult. Carefully consider the various companies offering cell phones and compare rates, plans, phones, and features. Time spent researching options early could mean time - and money - saved down the road. Read more

· Control long distance costs with prepaid calling cards

· Family and shared cell phone plans explained

· Cell phones: Making the switch

· Advantages of prepaid cell phone plans






Tips and FAQs


Tips on selling a home in today’s housing market
What are some tips for selling a home on today's market? Fix it up, keep the lawn mowed, and price it strategically. Read more



Finance Calculators

ARM vs. Fixed Rate Mortgage Calculator

Use this calculator to compare a fixed rate mortgage to two types of ARMs, a fully-amortizing ARM and an interest-only ARM.


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.


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Mortgage Qualifier Calculator

The first step in buying a house is determining your budget and estimating how much you may be able to afford.


Auto Loan Savings Calculator

Compare up to three different auto financing options to see the difference in savings associated with different interest rates.




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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