A joint account is a good option for those individuals who want or need more than one person authorized to use a bank account. Generally speaking, when you open a new checking or savings account at a bank or credit union your name will appear on the account and only your name will appear on the account. This is fine for some people, but there are others, especially married couples, who need more than that one name on the account. For those individuals a joint account is the w…
What Is A Money Market Account?
A money market account can be a good way to maximize your cash, while keeping it safe. However, some consumers may not benefit as well from this type of investment as they would from other investments. This article examines some of the more common aspects of money market accounts.
What Are Credit-Based Auto Insurance Scores?
Did you know that your credit information and your credit score may be used in determining if you can get automobile insurance and how much you will have to pay for that insurance? Many consumers are simply not aware of this practice, but it takes place everyday. This article examines some of the more common issues associated with this practice.
What Are Specialty Insurance Policies?
There are many types of insurance available. Home owner’s insurance, automobile insurance, life insurance, to name just three, but there are also specialty insurance policies available that some consumers may find very useful. This article will examine some of the more common types of specialty insurance.
What Is A CD (Certificate Of Deposit)?
The term CD stands for Certificate of Deposit. A CD is simply a short- to medium-length investment. They are FDIC insured and are available for purchase at banks, credit unions, and savings and loans. CD’s are a good way for some consumers to get higher interest rates on their money, but there are some issues associated with them that consumers should know about before signing up for one.
Short-term Vs Long-term Disability Insurance
It is not surprising that many consumers believe that long term disability insurance is the only type of disability insurance available. Long term is by far the most common type purchased by consumers as well as the most common type offered by employers and membership organizations. However, there are short term disability insurance polices on the market and they can be useful when needed. This article examines some of the more common aspects between the two types of disabili…
Should I Open A Savings Account?
Opening up a savings account can be a great idea for some consumers but it may not be the right choice for all consumers. This articles examines what a savings account is and for whom it might be advantageous to have one.
Is Electronic Banking A Good Idea?
Electronic banking also known as online banking is a great way to do your banking business without having to leave home. With today’s added security features, this is also a safe way to do your banking. However, with all things “online” you need to take some precautions.
Individual Retirement Account Rollovers
IRA’s (Individual Retirement Account) are very popular these days, but there is often some confusion as to what a person can and cannot do in terms of rolling the account over. This article will examine a few of the common issues associated with IRA rollovers. It is important to understand that IRA rules change often, so the reader is encouraged to check with current sources before making any final decisions concerning his or her IRA.
How Can I Lower My Home Owners Premiums?
Home owner’s insurance can be expensive, but this is the one form of insurance that you do not want to short-change yourself on either. When you consider all the many things that home owner’s insurance covers it can be a quite a value, in dollar terms. Still, there are some common sense ways to reduce your home owner’s insurance and this article will explore some of the more common means of doing that.
Do I Need A Bank Account?
For most working adults, the answer to that question is yes. Having a bank account can be very useful as you go through life, and it can help you many ways, especially as you begin to build your credit history.
Credit Card Blues
For many consumers the largest expense they have each month is their credit card bills. Often this is only exceeded by their home mortgage payment. The number of people who are in deep debt with credit cards is staggering, and many of these people are facing tough times because of this debt. This article explores some of the ways that you can bring credit card debt under control.