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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

Money market accounts vs. money market funds

There are two ways to invest in money markets: by opening a money market account or by purchasing a money market fund in a brokerage account.



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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


Credit card fact or fiction, part IV
Credit card fact or fiction, part IV
It is curious why so many myths surround credit cards considering that almost everyone has at least one and they've been a major source of unsecured credit lines for many years. In the last part of a four-part series, here's how to separate fact from fiction when it comes to credit card use. 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


Is now the right time to refinance?
Is now the right time to refinance?
This question requests universal answers that simply don't exist. The "best" time to refinance may be very different for you than for your next door neighbor. Here are some factors you should know to make the right decision about refinancing your home mortgage. 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


Factors that can increase your car insurance premium
Factors that can increase your car insurance premium
Several different factors can influence how much a driver pays for his or her car insurance coverage. These factors include, but are not limited to, the no-claims discount, age, gender, storage of the vehicle and more.  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


Home insurance and natural disasters
Home insurance and natural disasters
In many cases, insurance rates reflect some fallout from insurer payouts from natural disasters. The insured must either accept these changes as inevitable or diligently search for other insurance providers who may have suffered fewer losses. 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


Do low bank rates make life insurance a better investment?
Do low bank rates make life insurance a better investment?
Historically, bank interest rates have consistently outperformed the earnings from whole life insurance policies. But unless curremt market rates increase, life insurance accounts should remain a competitive alternative investment to savings accounts.  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

· Exploring the benefits of VoIP

· Control long distance costs with prepaid calling cards

· Are calling cards still relevant?

· The value of toll free numbers






Tips and FAQs


No annual fee? No more?
Is the day of the "no annual fee" credit card nearing its end? Some banks may be adding annual fees to existing accounts. Read more




Internet Service

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Questions to ask before signing up with a new ISP
Questions to ask before signing up with a new ISP
Choosing a new Internet service provider (ISP) can be a frustrating experience for many reasons. To improve this experience, learn all you can about prospective ISPs before making any commitments. Read on for some suggestions to help you decide. Read more

· Dial-up Internet service: Ancient or useful?

· Exploring the benefits of VoIP

· DSL or cable Internet: Which is better?

· How to choose a wireless router






Tips and FAQs


Review your homeowners insurance coverage
Homeowners insurance is an important part of a sound financial plan. That said, it is a good idea to review the coverage periodically. Read more




Auto Loans

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Five Rules When Applying For Credit
Five rules when applying for credit
The act of applying for credit sets a process in motion to determine your overall credit worthiness. No matter what kind of credit you want to apply for, there are many things you can do to improve your chances of getting approved. When you apply for credit of any kind, you should keep these five simple rules in mind. Read more

· Leasing vs. buying: Determining the best option

· Ultimate guide to auto financing

· Understanding the Truth in Lending Act

· Five things to know about auto loans






Tips and FAQs


Use your bank’s ATM
Nearly all banks charge a fee when a customer uses an ATM that does not belong to the bank. This is why you should use your bank's ATM as often as possible. Read more




Health Insurance

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Understanding the limitations of health insurance
Only a small percent of people who have health insurance are completely aware of all of the terms, conditions and restrictions that are attached to their coverage. Health insurance often has some major limitations, and being aware of them can help you avoid problems. Here are a few limitations to watch out for. Read more

· Questions to ask when choosing a health insurance plan

· Four things to know about health insurance

· COBRA health insurance explained

· A look at the Recovery and Reinvestment Act






Tips and FAQs


No annual fee? No more?
Is the day of the "no annual fee" credit card nearing its end? Some banks may be adding annual fees to existing accounts. 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

· Private vs. Federal student loans

· Five rules when applying for credit

· Private student loans explained

· How to get started with private student loans






Tips and FAQs


Consider online savings accounts
Finding a decent interest rate for your savings is getting tougher and tougher to come by these days. One good place to look is online. Read more




Cell Phones

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Questions to ask when shopping for a cell phone plan
Questions to ask when shopping for a cell phone plan
Cell phone options are plentiful, which can often make picking a cell phone, carrier and plan a difficult decision. If you ask the right questions from the beginning, you'll have a better chance of ending up with a cell phone that meets your needs and, in turn, avioding having to pay early termination fees.
Read more

· Questions to ask before getting a new cell phone

· Cell phones: Making the switch

· Advantages of prepaid cell phone plans

· How to choose a wireless plan






Tips and FAQs


No annual fee? No more?
Is the day of the "no annual fee" credit card nearing its end? Some banks may be adding annual fees to existing accounts. Read more



Finance Calculators

Compound Savings Calculator

Consistent investments over time can be an effective strategy to accumulate wealth. Put this savings strategy to work for you.


HSA Savings Calculator

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


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Student Loan Consolidation Calculator

Find out whether student loan consolidation can free up extra cash to pay off your higher interest debt sooner.


Savings Goals Calculator

What will it take to help reach your savings goals? Find out in a few simple steps. Formulate a customized savings plan.




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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