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Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.

   

  

   

    

Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
 

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

  

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

 

Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

 

Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.

 

Home Loan: Stop paying rent and live the American dream.

 

Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.

 

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

  

Personal Loan: Short or long term personal loan.

  

Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.

 

Free Help: Personal finance newsletter, credit advice and tips.

 

Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
  

                 

 

Can you spot counterfeit money? Don't let counterfeiters fool you, spot fake money and report it to the federal government.

 

2nd Chance Bank Account

   

To Qualify:

*Your employer must offer direct deposit.

*You cannot have any existing checking or savings account with any bank.

           

      



 

 

How to spot counterfeit money: Closely examine money you receive and compare suspect bills with a genuine bill of the same denomination and series. Pay attention to the quality of printing and paper, and look for differences instead of similarities.

 

How to tell if money is counterfeit

Real Vs Counterfeit

Portrait: A genuine portrait appears lifelike and stands out distinctly from the background. The counterfeit portrait is usually lifeless and flat. Details merge into the background which is often too dark or mottled.

 

Federal Reserve and Treasury Seals: On a genuine bill, the saw-tooth points of the Federal Reserve and Treasury seals are clear, distinct, and sharp. The seals of counterfeit money may have uneven, blunt, or broken saw-tooth points.

 

Border: The fine lines in the border of genuine money are clear and unbroken. On counterfeit money, the lines in the outer margin and scrollwork may be blurred and indistinct.

 

Serial Numbers: Genuine serial numbers have a distinctive style and are evenly spaced. The serial numbers are printed in the same ink color as the Treasury Seal. On counterfeit money, the serial numbers may differ in color or shade of ink from the Treasury seal. The numbers may not be uniformly spaced or aligned.

 

Paper: Genuine currency paper has tiny red and blue fibers embedded throughout. Often counterfeiters try to simulate these fibers by printing tiny red and blue lines on their paper. But on counterfeit money the lines are printed on the surface, not embedded in the paper. It is illegal to reproduce the distinctive paper used in the manufacturing of United States currency.

 

 

Genuine paper currency is sometimes altered in an attempt to increase its face value. One common method is to glue numerals from higher denomination notes to the corners of lower denomination notes.

These bills are also considered counterfeit, and those who produce them are subject to the same penalties as other counterfeiters. If you suspect you are in possession of a raised note:
 

Compare the denomination numerals on each corner with the denomination written out at the bottom of the note (front and back) and through the Treasury seal.

 

Compare the suspect note to a genuine note of the same denomination and series year, paying particular attention to the portrait, vignette and denomination numerals.

 

Counterfeit Coins

Genuine coins are struck (stamped out) by special machinery. Most counterfeit coins are made by pouring liquid metal into molds or dies. This procedure often leaves die marks, such as cracks or pimples of metal on the counterfeit coin.

Today counterfeit coins are made primarily to simulate rare coins which are of value to collectors. Sometimes this is done by altering genuine coins to increase their numismatic value. The most common changes are the removal, addition, or alteration of the coin's date or mint marks.

If you suspect you are in possession of a counterfeit or altered coin, compare it with a genuine one of the same value.

If it is above five cents in value, it should have corrugated outer edges, referred to as "reeding." Reeding on genuine coins is even and distinct. The counterfeit coin's reeding may be uneven, crooked, or missing altogether.

 

To prevent counterfeit money, the U.S. Treasury creates new one, two, five, ten, twenty, fifty and 100 dollar bills.

 

Suspect you've been given fake money? Turn it over to your local police or Secret Service field office. Or get more information on how to spot counterfeit money.

  

Need more information? Read our financial and credit articles related to money or government, and join our online financial newsletter.


Personal Credit

 

When money is needed for events or functions during the year, some people simply take out a personal line of credit so they always have a way to get money. A credit line like this can provide money to pay for whatever may be needed, whether it is for family fun, paying off bills, holidays, or medical expenses. These lines of credit can be a great resource when used wisely,

 

Having a credit line usually requires good or excellent credit, so that eliminates people with blemished credit. When credit is a problem, the only way to get money fast could be to use an acquaintance, credit cards, or payday loans. Everyone needs money to get them through some tough times. Financial institutions are limiting credit, so getting approved for a line of credit may be difficult.

 

For those who have a line, it can be tempting to use it too much and end up in debt. Sometimes just borrowing a small amount of money and being able to repay it on time can be the best way to handle personal finances. Paying as you go is a very wise way to manage money, it can prevent huge debt problems, and help improve credit scores by not paying late. 

 

Consumers throughout the United States apply and get approved for fast cash loans every day. Many use them to try to rebuild scores. This is possible when good paying habits are reported to major credit bureaus. If loans are repeatedly applied for and repaid, it may establish a positive relationship with the lender so getting more loans in the future could be quicker. 

 

Quick paycheck loans, are usually used when a paycheck is depleted and there is no money left for other needed expenses. It happens all the time. This type of loan has become a very popular method for getting money. Each lender has their own interest rates, terms, and fees, so comparing lenders is necessary to get the best rates.

 

Giving people who have poor credit a small loan can be risky at times. But for loans that have collateral, such as a home, those may prove to be too risky for some borrowers. They could end up loosing a home if there are too many missed payments. When a borrower defaults, the lender can sell the house to make up for the loss. 

 

Not every lender will give loans to people with bad credit. Usually, banks and credit unions like to see above average credit before they will approve a loan. When there is less than average credit, they may approve a loan, but it could have higher interest rates.

 

Finding extra money can sometimes be the answer that can help fix a financial problem. Research all the choices and apply with the lender who has the best repayment choices and the lowest rates.

Make sure the money is repaid on or by the date due. Check out any questions and answers on the website of the lender.

oct 12 personal credit below;

Personal Credit

 

There are some people who can review your credit report, for example, people who need to make a decision about hiring you for employment must have your permission, and those who underwrite insurance, and those who are doing a business or credit transaction. Credit reports are also available if needed as a response to a court order or federal grand jury subpoena. If a credit report is obtained falsely, there can be fines and even imprisonment. It is up to the credit bureaus to make sure they disclose information to people and follow the law. Those who want the reports must give the bureau the purpose of why they want the reports.

 

Victims of identity fraud and people who have been denied credit can get a free credit report. Also, before a potential employer can deny a position to an applicant, due to information on a report, the applicant must receive a copy of the report. When someone disputes the credit information on their report, the three major credit bureaus must notify each other of the investigation. They use information given by the consumer and the credit grantor to investigate incorrect information. Investigations implemented by a consumer must be completed within 30 days, by the major credit bureaus.

 

Personal credit should be kept current and accurate. Reports should be checked several times a year, it is easy to request a free credit report from each of the three major credit agencies. Banks, credit card issuers, or others who report information to credit bureaus are held responsible for making sure that the information they report is as correct as possible. For example, if a person closes their credit card account, it should be documented that the person requested the account be closed. Any negative information on reports that is correct or accurate, must stay on the report and can not be removed. For example, bankruptcy can stay on reports from seven to ten years. Personal credit should not be left to chance, especially with the recent problems of the economy. Having bad credit can be costly when it comes to loans. There are some credit products, like secured cards that report paying habits to credit bureaus. Good paying habits can help raise scores over time.



Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

BadCreditNic.com Review Bad Credit Bank Accounts, Loans and Credit Cards - ©Copyright 1997-2006 All Rights Reserved

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Beware Phishing, Vishing, SMiShing and Spear Phishing scams
Victim of a Counterfeit or Fake Money Order? Learn how to spot fake money orders, report the scam, and what you must do if you have cashed fake money orders.
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Get out of Credit Card Interest Reduction Scams
Bright Sky and Round Sky customer complaint about advance fee scam.
Signs of Debt Relief Scams to Avoid being a Victim of Fraud
Investing for retirement: Credit Federal defines Treasury Bills, Treasury Notes, Treasury Bonds, Treasury Inflation-Protected Securities (TIPS), I Bond and EE Bond.
Treasury Secretary John Snow delivers economy speech.
Treasury Secretary Snow to Release DVD on Identity Theft to Help Better Protect Consumers from Financial Fraud.
Victim of a Counterfeit or Fake Money Order? Learn how to spot fake money orders, report the scam, and what you must do if you have cashed fake money orders.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $5 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $10 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $20 dollar bill.
To protect Americans from counterfeit money fraud, the federal government has issued new money. View the new $50 dollar bill.
View new money images of the $5, $10, $20 and $50 dollar bills. The new money is to help protect Americans from counterfeit money scams.
Illustrations of new money bills, including the one, two, five, ten, twenty, fifty and 100 dollar bills designed to thwart fraudulent counterfeiting. Don't be a fake money victim.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

SummitBankAZ.com Review - Copyright Summit Bank

PERSONAL CHECKING - Finding the right checking account for your needs and lifestyle is so important. After all, it’s probably the account that gets the most mileage. At The Foothills Bank, we offer a wide selection of checking accounts so you can select the one that’s best for you.

Basic Checking
* Available to individuals and unincorporated non business associates
* ATM/Debit card available
* $100 minimum opening deposit required
* $5 Service Fee per statement cycle
* $500 minimum ledger balance to waive service fee
* Limited check writing (10 per statement cycle, $ .25 each over 10 checks)
* Free Internet Banking and Bill pay

Student Checking
* Available to College Students, Parent/Guardian must agree to be related to the account if student is under the age of 18 years old
* ATM/Debit card available
* $100 minimum opening deposit required
* No Service Fee per statement cycle
* Unlimited check writing
* Free Internet Banking and Bill pay

Personal Checking
* Available to individuals and unincorporated non business associates
* ATM/Debit card available
* $100 minimum opening deposit required
* $ 9.00 Service Fee per statement cycle
* $ 1,000 minimum ledger balance to waive service fee
* $ 5,000 combined minimum ledger balance in this account, any personal checking accounts, personal savings accounts, CDs, CD IRA's or Money Market accounts to waive service fee
* Unlimited check writing
* Free Internet Banking and Bill pay

Personal Interest Checking Account (see rate table)
* Available to individuals and unincorporated non business associates
* ATM/Debit card available
* $100 minimum opening deposit required
* $ 12.00 Service Fee per statement cycle
* $ 2,500 minimum ledger balance to waive service fee
* $ 10,000 combined minimum ledger balance in this account, any personal checking accounts, personal savings accounts, CDs, CD IRA's or Money Market accounts to waive service fee
* Unlimited check writing
* Interest is variable, based on daily collected balance
* Free Internet Banking and Bill pay

55 Checking Plus (see rate table)
* Available to individuals and unincorporated non business associates
* ATM/Debit card available
* $100 minimum opening deposit required
* $ 10.00 Service Fee per statement cycle
* $ 2,500 minimum ledger balance to waive service fee
* $ 10,000 combined minimum ledger balance in this account, any personal checking accounts, personal savings accounts, CDs, CD IRA's or Money Market accounts to waive service fee
* Unlimited check writing
* Interest is variable, based on daily collected balance
* Free Internet Banking and Bill pay
* Free printed checks first order and reorders (Single copy Summit logo check)
* No service charge for travelers checks
* No service charge for cashiers checks and money orders (maximum of 5 per month)
* Other banks ATM fees reimbursed up to 5 per statement cycle



Credit Tip: Sooner or later, debt wins. If you ignore your spending limits, eventually all your income will be spoken for even before you earn it. If you don't exercise self-control beforehand, the day will come when you simply won't have any more money to waste, nor the ability to get a credit card or a loan.


Credit Tip: For effective debt elimination, you have to use your cash, credit cards and loans carefully and stop the cycle of buying now and paying later. Sharpen your money management skills and stay determined to be debt free.

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