Websites That Can Help You Manage Your Credit and Finances
I do a lot of research on financial responsibility
, financial tips, credit management and just general information. Looking over some of the websites that I consistently turn to when I am searching for answers that will help manage credit and finances it occurred to me that these are resources that I should share with you.
Personal Finance Management Websites
Mint andQuicken Online are comprehensive money management tools that allow you to go in-depth with your finances, categorize and organize credits and debits exactly the way you want, and create detailed budgets for your financial plan. Mint's service emphasizes a budgeting tool that shows your projected savings over a certain period of time so you can see how much you'll save just by sticking to your budget. Quicken's "My Wallet", helps consumers keep track of cash transactions in addition to credit card and banking transactions. Plus, set up customized email or text message alerts for when upcoming bills are due for the accounts you added, if you are nearing your budget limits, and if your Checking account goes below a certain amount.
Check Your Credit Score FREE
Credit Karma believes consumers have a right to know this information with no charge or without the bait and switch of 30 days free followed by enrollment products with confusing opt outs. The new credit bill could hurt consumers and it is certainly true that tighter credit is now the case for marginal borrowers. In the recent past, someone with a credit score of perhaps 680 or above on FICO's 300-850 scale could get a top card with a low rate. But today, the best cards are being restricted to people with credit scores of 740 to 750 and up.
Credit Card Finders
Find the best credit card for you, based on your particular credit situation atIndex Credit Cards badLow Cards.com. Newsweek says of Index Credit Cards that it is "As comprehensive a list as you'll find of all the credit card offers on the table now." Low Cards provides two valuable resources: a list of the top cards in each of the credit card categories along with an unbiased opinion on every card; and the
Complete Credit Card Index where you will find the current rates of all 1060+ credit cards available in the United States.
Find Out If You Are Eligible to Join a Credit Union
Did you know that Credit Unions reward their members with cash bonuses if financial targets have been met?
A federal credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to its members (who are also its customers). Federal credit union members are provided with a safe, convenient place to save and borrow at reasonable rates, with savings insured to at least $250,000 by theNational Credit Union Share Insurance Fund (NCUSIF). Certain retirement accounts are insured to $250,000.
The key difference between a bank and a credit union is that banks are owned by shareholders, not customers, and are for-profit which leads to higher fees and rates on loans, since excess profits are returned to shareholders in the form of dividends. Contrast this with a credit union, which returns any excess to members in the form of dividends as an added bonus.CULookup.com will help you find a Credit Union in your area.
Retirement Calculators
Are you considering retiring, voluntarily or through potential job loss? Can you retire and maintain the same lifestyle?FIRECalc can tell you how much you would have needed to insure that you wouldn't have depleted your portfolio if things are as bad as 1973. Or 1929. Or any of the past years for which they have data.
Insurance
Insweb.com provides an insurance marketplace that enables consumers to shop online for a variety of insurance products; including auto, term life, homeowners, renters and individual health insurance.
AccuQuote is a leader in providing
term life quotes to people across the United States. The company is headquartered outside Chicago in Wheeling, Illinois and has a satellite branch office in Golden, Colorado.
To locate an independent agent considerIIABA. The Independent Insurance Agents & Brokers of America (IIABA) is a national alliance of 300,000 business owners and their employees who offer all types of insurance and financial services products.
Unlike company-employed agents, IIABA independent insurance agents and insurance brokers represent more than one insurance company, so they can offer clients a wider choice of auto, home, business, life, health coverage's as well as retirement and employee-benefit products. IIABA agents and brokers not only advise clients about insurance, they recommend loss-prevention ideas that can cut costs. If a loss occurs, the independent insurance agent or broker stands with the client until the claim is settled.
COBRA
If you are in-between jobs COBRA coverage may be available through your last employer but the cost can be prohibitive. What options do you have?CobraOptions.info can help you find out.
Insurer's Complaints
The
NAIC's Consumer Information Source (CIS) provides information about insurance companies you can use before purchasing insurance. They offer a company search for complain and financial information tool that allows you to access key information about insurance companies, including closed insurance complaints, licensing information and key financial data.
**You have permission to reprint in your publication or to your website/blog any articles by Theodore Henderson found on this website as long as Theodore Henderson's name and contact information is included. Theodore Henderson, Faith-Based Business Consultant and Author.http://thjassociates,com, henderson.theodore @ gmail.com.
Websites That Can Help You Manage Your Credit and Finances
By: Theodore Henderson
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