Knowledge Center - Advice, Answers, Definitions, Tips & More


Featured Advice

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
Do low bank rates make life insurance a better investment?

Featured Tip

Do you need higher liability limits?

Don't be surprised if an insurance agent tries to sell you higher liability limits than your state requires when you're shopping for auto insurance.



More Articles, Tips, and Resources


Advice :Advice Calculators :Calculators Glossary :Glossary FAQ :FAQ Tips :Tips More :More


Credit Cards

AdviceCalculatorsGlossaryFAQTipsMore

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

More Credit Card Advice Articles





Bank Rates

AdviceCalculatorsFAQTipsMore

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


Banking industry changes to expect in 2010
Banking industry changes to expect in 2010
The predicted banking industry changes for the remainder of 2010 are not all negative. Expect changes in bank products and services, home loans and other areas of personal banking. Some important changes include the following. Read more






Home Loans

AdviceCalculatorsGlossaryFAQTipsMore

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


Loan modification 101
Loan modification 101
Consumers seeking information on loan modification programs can easily become confused with the apparent multiplicity of options. Many homeowners are already unsure of exactly what a loan modification is and how it might work. Here's what to know. Read more






Auto Insurance

AdviceFAQTipsMore

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


Money saving tips for the car insurance you need
Money saving tips for the car insurance you need
Car insurance may be a necessary purchase, but it can be an expensive one as well.  Fortunately there are some things drivers can do to keep the cost of insuring their vehicles affordable.  Some of these strategies are obvious, while others may not be, but each of them is important in its own right. Read more






Home Insurance

AdviceFAQTipsMore

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






Life Insurance

AdviceCalculatorsFAQTipsMore

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


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

AdviceGlossaryFAQTipsMore

Voice over IP - The future is now
Voice over IP - The future is now
Voice over Internet Protocol (VoIP) phones are becoming more commonplace each passing day. VoIP brings the ability to make telephone calls over the Internet using your computer and your broadband connection. Find out more about this technology and whether it may be a good fit for you and your calling needs. Read more

· Are calling cards still relevant?

· The value of toll free numbers

· VoIP fact sheet

· Control long distance costs with prepaid calling cards






Tips and FAQs


Do you need accidental death and dismemberment insurance?
Accidental Death and Dismemberment (AD&D) pays benefits if you die due to an accident, and a lump sum payout for loss of a limb or eyesight due to an accident. Read more




Internet Service

AdviceGlossaryFAQTipsMore

Voice over IP - The future is now
Voice over IP - The future is now
Voice over Internet Protocol (VoIP) phones are becoming more commonplace each passing day. VoIP brings the ability to make telephone calls over the Internet using your computer and your broadband connection. Find out more about this technology and whether it may be a good fit for you and your calling needs. Read more

· Benefits of broadband: More than simply speed

· How to choose a wireless router

· Questions to ask before signing up with a new ISP

· Dial-up Internet service: Ancient or useful?






Tips and FAQs


Do’s and don’ts of filing a claim for water damage
Filing a claim for water damage comes with its own tenuous rules. These two tips could make the process of filing a claim a little easier. Read more




Auto Loans

AdviceCalculatorsGlossaryFAQTipsMore

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

· How a credit score is calculated

· Leasing vs. buying: Determining the best option

· Pros and cons of auto leasing

· Understanding the Truth in Lending Act






Tips and FAQs


Will home equity loans make a comeback?
Eventually, as the economy improves and property values begin to rise again, home equity loans will make a comeback. Read more




Health Insurance

AdviceFAQTipsMore

COBRA health insurance explained
COBRA health insurance explained
COBRA was designed by the U.S. Congress to give continued health insurance to those who lose their coverage under their former employer's group insurance plan. The loss of group insurance usually results from termination of employment. Read on for details.  Read more

· A look at the Recovery and Reinvestment Act

· Health insurance 101

· Understanding the limitations of health insurance

· Questions to ask when choosing a health insurance plan






Tips and FAQs


Do you need accidental death and dismemberment insurance?
Accidental Death and Dismemberment (AD&D) pays benefits if you die due to an accident, and a lump sum payout for loss of a limb or eyesight due to an accident. Read more




Student Loans

AdviceCalculatorsFAQTipsMore

Understanding the Subtleties of Student Loans
Understanding the subtleties of student loans
Different types of student loans often have different terms, repayment periods, delinquency issues, loan forgiveness clauses, and/or grace periods. It is important to become familiar with these differences and evaluate the programs available before making a decision about what is best for you. Read more

· Understanding Stafford student loans

· The push to include student loan debt under bankruptcy protection

· Private vs. Federal student loans

· Practical budgeting for new college graduates






Tips and FAQs


What kind of car you drive matters
What kind of car you drive matters - for auto insurance rates, that is. Read more




Cell Phones

AdviceGlossaryFAQTipsMore

Facts about pre-paid cell phones
Facts about prepaid cell phones
Prepiad cell phones can be a useful option for many different people and for many different reasons. A prepaid cell phone allows a caller to pay for wireless services in advance, which can elminate problems that can potentially arise with cell phone contracts. Prepaid cell phones are a popular option worldwide and their usage continues to grow. Read more

· Buying a cell phone - A consumer's guide

· Using a cell phone overseas

· Questions to ask when shopping for a cell phone plan

· Questions to ask before getting a new cell phone






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

Loan Comparison Calculator

Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.


Accelerated Debt Payoff Calculator

Consolidating your debt is only half of the battle. This calculator can show you how to accelerate your debt payoff.


More calculators





 

Debt Consolidation Calculator

See what your monthly payment would be with a consolidated loan. Adjust your terms, loan types and/or rate to compare options.


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.


you are here ›› homephoneknowledge center
News, Advice, FAQs, Tips, Resources