Personal Finance Tips

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Featured Tips:

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.

Inactivity fee: A new credit card fee?

With the Credit Card ACT imposing a number of new restrictions on fee, rate and billing practices, some credit card companies are considering a new fee: an inactivity fee.

	Banking Emergency planning: Give family members important documents Make copies of important information, like insurance and bank documents, and store them away from your home in the event of a regional catastrophe.	More Banking Tips: Start an emergency savings fund Have CD rates bounced back yet? Free checking – fact or fiction? Tips for online banking beginners See all Banking Tips

	Communications 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.	More Communications Tips: Know your “local long distance” rates Is unlimited Internet a thing of the past? Don’t automatically choose the cheapest plan DSL can be more secure than cable See all Communications Tips

	Credit Cards Credit card annual fees – worth it? If you have a credit card that has an annual fee, then you may want to call the credit card company to ask if they can remove the charge.	More Credit Cards Tips: Sharing credit card accounts: Exercise caution Watch for rising foreign transaction fees Say goodbye to universal default Paying off credit card debt in 3 steps See all Credit Cards Tips

	Insurance Home improvement and home insurance In order to figure out if a specific home improvement project is worthwhile, many different questions are usually asked. Here is an important one.	More Insurance Tips: When buying an umbrella policy might be a good idea Who drives your car, and does your insurer know? Consider a health savings account How to estimate the amount of life insurance you might need See all Insurance Tips

	Home Loans Should you see your home strictly as an investment? Other big ticket items will likely never reach the same price as the place where you rest your head to sleep each night.	More Home Loans Tips: Refinancing with zero equity Mortgage rates: How low are they right now? Tips on selling a home in today’s housing market Six reasons to use automatic payments See all Home Loans Tips