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Featured Advice

About compulsory auto insurance states and the coverage you need

Compulsory auto insurance is a classic good news/bad news subject. If you need it, you'll be forever grateful that you had it. Should you be fortunate enough to never have a car accident or any liability issues, you'll be disappointed with all the monthly premiums you've paid. Read more
About compulsory auto insurance states and the coverage you need

Featured Tip

Tips on refinancing your mortgage for the first time

There are many quick tips for mortgage refinancing, including: compare rates, check fees, and figure out how much to refinance.



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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


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

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







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Banking changes to expect in the remainder of 2009
Banking changes to expect in the remainder of 2009
The global recession has severely affected the banking industry. Expect to see some significant changes in the remainder of 2009 and beyond. Here are some major changes to expect with savings accounts, money market accounts, and CDs and tips on how to handle the changes.  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


Read the fine print on your auto insurance policy
Read the fine print on your auto insurance policy
The fine print that can be found in auto insurance contracts can sometimes make this type of insurance coverage even more complex than it originally appears to be. Here are some suggestions about what you should look for and how these factors might affect you and your policy. 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







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Dog breeds can affect home insurance rates
Dog breeds can affect home insurance rates
While shopping around for home insurance quotes, you might be surprised at one of the first questions that you are asked: Do you own a dog? If you own an aggressive dog, be ready to do some digging for an insurance company that will take on the risk. 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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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

· Are calling cards still relevant?

· The value of toll free numbers

· Voice over IP - The future is now

· Control long distance costs with prepaid calling cards






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

· Benefits of broadband: More than simply speed

· Questions to ask before signing up with a new ISP

· DSL or cable Internet: Which is better?

· Voice over IP - The future is now






Tips and FAQs


Uses for dial-up Internet
Don't expect to see a display of dial-up Internet providers at your next museum visit just yet. There are still uses for this type of ISP. 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

· Pros and cons of auto leasing

· Leasing vs. buying: Determining the best option

· Five things to know about auto loans

· Five rules when applying for credit






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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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

· Four things to know about health insurance

· Health savings accounts (HSAs) explained

· COBRA health insurance explained

· Five ways to save money on health insurance






Tips and FAQs


Paying for insurance in tough times
Insurance lands near the bottom of priorities, yet you know you need it. There are no easy answers, but the following tips can help. Read more




Student Loans

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Understanding private student loans
Private student loans explained
Learn about what you need to know when it comes to understanding private student loans. What exactly are private student loans? What are some of the pitfalls to avoid? And what are some occasions when private student loans are a good choice? Read on for answers to these questions and more. Read more

· The push to include student loan debt under bankruptcy protection

· Five things to know about student loans

· Current students and the changing student loan industry

· Understanding the subtleties of student loans






Tips and FAQs


Student loan consolidation incentives
Did you know that your original student loan lender might offer you better incentives for consolidating your college loans with them? Read more




Cell Phones

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Family and shared cell phone plans explained
Family and shared cell phone plans explained
Family and shared minute cell phone plans are very popular - and for good reason. The popularity of these calling plans, mostly relates to monthly cost and available minutes. Here are some of those reasons and why you should consider family and shared minute plans to save money and maximize minutes. Read more

· Ultimate guide to choosing a cell phone and service plan

· How to choose a wireless plan

· Cell phones: Making the switch

· Local vs. national calling plans






Tips and FAQs


What to look for in a cell phone deal
There are many things you should look for when digging for the latest and greatest cell phone deals. Here are some quick tips. Read more



Finance Calculators

Refinance Breakeven Calculator

Determine how long will it take to break even if you refinance your mortgage. Is refinancing a sound financial decision?


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.


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HSA vs Traditional Health Plan Calculator

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


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.




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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