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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

Consider signing up with an emergency road service

If you have an aging car, you may have chosen to buy only liability auto insurance to save money. For just a few more dollars a year, you could add a small safety net to your policy.



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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


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Four things you may not know about your credit card
Even if you are diligent about knowing your different interest rates, late fee charges, and spending limit, you may have forgotten some lesser known features of your credit cards. Here are some potential benefits that your credit cards may offer. 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







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

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


Breakdown of home buyer tax credits
Breakdown of home buyer tax credits
The extension for the new home buyer tax credit expired on April 30, 2010, and has not been renewed to date. Read on for a quick breakdown of how the home buyer tax credits worked and what might follow the tax credit expiration. 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


Six tips on insuring a teenage driver
Six tips on insuring a teenage driver
Although increases in premium rates of 50% to 100% are common when teenage drivers are added to their parents' auto insurance policy, you can take some steps to reduce the costs when you're insuring your teenage driver. Here are some suggestions. 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


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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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







Advice, Tips and FAQs


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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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

· Are calling cards still relevant?

· Exploring the benefits of VoIP

· Control long distance costs with prepaid calling cards

· VoIP fact sheet






Tips and FAQs


VoIP vs. landline phone service
Voice over Internet Protocol (VoIP) is no longer the hot topic it was a couple of years ago. But it can still be a very cost-effective way to handle your calling needs. Read more




Internet Service

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How to choose a wireless router
How to choose a wireless router
Wireless Internet and, therefore, wireless routers are becoming increasing popular, and the number of technologies that can tap into a wireless network is growing rapidly. How does one choose the best router? To simplify the process, consider the requirements of the network the router will serve. Read more

· Exploring the benefits of VoIP

· Voice over IP - The future is now

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

· DSL or cable Internet: Which is better?






Tips and FAQs


Consider buying your modem
When signing up for the Internet service, you may be asked whether you want to lease or buy the modem. Even if you are not asked, find out if you have the option. Read more




Auto Loans

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Ultimate guide to auto financing
Ultimate guide to auto financing
Auto financing options include dealer and bank or credit union loans, leasing, and direct loans from auto sellers. Car loans have changed due to this economic downturn and it is important to understand them. Note, that some financing options change during a down economy. Here's more of what you need to know. Read more

· Five things to know about auto loans

· Gap insurance explained

· Five rules when applying for credit

· 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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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

· A look at the Recovery and Reinvestment Act

· Understanding the limitations of health insurance

· COBRA health insurance explained






Tips and FAQs


Keep a health journal
Maintain a health journal to help keep track of your health care issues and costs. Read more




Student Loans

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Benefits of student loan consolidation
Benefits of student loan consolidation
Consolidating student loans can provide many benefits to those who have several loans to repay through different lenders. But student loan consolidation is not always the best choice. When considering consolidation, there are several factors to consider, including interest rates, monthly payments, and borrower benefits. Read more

· Understanding the subtleties of student loans

· Private student loans explained

· Private vs. Federal student loans

· Practical budgeting for new college graduates






Tips and FAQs


Take inventory of your student loans
Before looking into consolidation, make sure to take an inventory of all your student loans. Researching for good student loan consolidation information can come later. Read more




Cell Phones

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Advantages of prepaid cell phone plans
Advantages of prepaid cell phone plans
Many people love the convenience and safety that a cell phone can provide, but they do not love the monthly cell phone bill.  Prepaid cell phone plans can be the perfect choice for those who only use their cell phones occasionally. Read more

· Facts about prepaid cell phones

· Questions to ask when shopping for a cell phone plan

· How to choose a wireless plan

· Cell phones: Making the switch






Tips and FAQs


Are prepaid calling cards all the same?
Most, if not all, prepaid calling cards basically work the same way. But there are, of course, many differences between cards, as well. Read more



Finance Calculators

Certificate of Deposit Calculator

Compare Certificate of Deposit (CD) options. Compare different rates and lengths to see how much you may be able to earn.


Savings Rate Calculator

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


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HSA Savings Calculator

Determine how much your Health Savings Account (HSA) will be worth over time. Fine tune your plan by comparing options.


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.




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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