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Annuity - Learn about annuity investments.

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

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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.

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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.

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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.

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

Financial calculators

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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.
 

ZionsBank.com Review - ©2011 Zions Bank.

Military Interest Checking pays higher interest than our Free Interest Checking account. As with the Military Checking Account, you get unlimited check writing, free personalized checks and better rates on a variety of savings accounts. You also get discounts on most consumer loans. It has no monthly fee (if you keep a minimum balance of $500).

Account Features:
* Minimum Daily Account Balance Required to Avoid Monthly Service Fees: $500 in checking
* Monthly Service Fee: $10
* Minimum Opening Deposit: $0

Bonus Rates: Opening a Military Checking account also makes you eligible for our exclusive Gold accounts. These are our best accounts, typically reserved for Gold Account customers, and they pay higher interest than our already great rates for our regular accounts.
* Gold Statement Savings
* Gold Money Market Account
* Gold Certificate of Deposit

The Military Interest Checking Difference: Choosing this premier checking plan pays time and time again, in many, many ways. Enjoy the special benefits available with your Military Checking Account.
* Free Checks. Free personalized checks from a select group of check styles (up to $19 per box). $5.95 processing and handling fee.
* Lower Loan Rates. Take advantage of a rate reduction of 0.5% on eligible installment loans with automatic payment from a Zions checking account.
* Free Safe Deposit Box. No fee on a small-size safe deposit box or a $10 discount toward any larger box (where available).
* No Issuing Fees on Travelers Cheques, Money Orders, and Official Checks. The normal issuing fee is waived in full.
* Free Accidental Death Insurance. $2,500 of coverage provided at no cost. Additional coverage is available at a low cost.
* No-Fee Notary Service. There is no charge to use our notary services.
* Discount Mortgage Origination Fees. Save 10% off mortgage origination fees from Zions Mortgage.
* Discount Brokerage Fees. Receive a 20% discount on assisted brokerage transactions.
* Free Online Bill Pay. Free for all non-business accounts.
* Higher Deposit Rates. Earn bonus rates on selected deposit products.

Minimum Daily Account Balance Required to Avoid Monthly Service Fees: $500 in checking
Monthly Service Fee: $10
Minimum Opening Deposit: $0
Outstanding Features
* Unlimited check-writing
* Checks returned via reddiCHECK
* Free imprinted checks up to $19 plus a processing and handling fee of $5.95
* Free debit card
* ATM deposits & withdrawal access
* ATM Fees waived while deployed or TDY
* Eligible for Gold Statement Savings, Gold Money Market Account and Gold CD, which pay higher interest than regular accounts
* 0.50% rate reduction on eligible installment loans with automatic payment
* Free safe deposit box (not available in all locations)
* Overdraft protection*
* $2,500 accidental death insurance
*No issuing fee on:
- Travelers cheques
- Money orders
- Official checks
*No-fee notary service
*10% off mortgage origination fees
*20% discount on assisted brokerage transactions
*Free Online Banking
*Free Online Bill Pay Service

1-800-974-8800


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
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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.
 

SavingsAccounts.com Review - © 2001 - Present SavingsAccounts.com. All rights reserved

A savings account is, of course, a place to stash your money at a bank. However, it can be far more than just a place to keep your cash. Used as part of an overall financial plan, savings accounts can provide:

* A feeling of financial stability from knowing your principal is safe and the interest income is reliable
* A pain-free way of tracking and accomplishing your savings goals
* A financial budgeting tool to help you cover unexpected expenses or self-insure purchases

A solid savings plan and a growing nest egg allows you financial flexibility--particularly if you can get the best savings account rates. 

Unlike the old days where you'd just walk or drive to your local bank and wouldn't think twice about where to put your money, there are lots of decisions to be made. From internet banking options to different deposit account types there's a lot to learn, so get the details here. 

Compare for the best savings accounts - not all savings accounts are created equal: No. Although many savings accounts will share common features such as FDIC insurance and interest yields, a savings accounts can differ in the features and terms they offer. Fees, minimum balances, and of course savings account interest rates will differ from bank to bank and even within a bank's own offerings.

Before you compare savings accounts, draw up a list of features that best fit with your banking behaviors. For instance, do you want an account that won't charge fees without direct deposit? Do you want a savings account that can be linked to your checking account in order to avoid or reduce checking overdraft fees? Do you want the ability to set up targeted sub-accounts earmarked for specific categories of savings?

Then there are bank-specific considerations: Do you want ready access to a real live teller, 24/7? Do you care if your bank is online only, or if it's covered by FDIC insurance? (The answer to the last question is always yes!) Being thorough about these questions can help you choose the best savings account for you.

While you're assessing your banking needs, keep in mind that traditional savings accounts are just one option. You can also consider money market accounts and certificates of deposit (CDs), which offer better interest rates on average but can come with limitations such as required minimum investments or inability to access the funds for a certain period of time.

When selecting a savings account, rank the features in order of importance to you. For instance, you may decide that you will select a savings account based on:

* Savings interest rates - the highest interest savings account may not be the best overall
* Ease of online banking features
* Whether they will waive a monthly fee with a minimum balance
* Strong reputation of bank

If the most important feature to you is that your new savings account offers a high interest rate, a great way to narrow the field is to compare savings rates online in order to find the highest rate offered.

An online savings account is an increasingly popular option. There are pros and cons to keeing your savings account with an online-only bank. Here are a few of the important things to keep in mind:

* Fees. The costs to operate an online bank are sometimes much lower than the cost to operate a traditional bank. This can translate to lower fees for customers (although this is not necessarily the case for all online banks).
* Savings interest rates. For the same reason, you can sometimes find better interest rates with online banks. You will want to compare savings interest rates online to find the highest rate.
* Transferring money. When you use an online savings account, it can take a day or two to transfer funds to other accounts. While this is inconvenient in some ways, it also helps to prevent impulse spending. This makes saving easier!

These benefits are great, but it's important to know that internet banking is not right for everyone. Learn more about the pros and cons of having an online savings account.



Daily Credit Tip: Why You Need Scores from all 3 Credit Bureaus * Each bureau may have different information, depending on which companies have reported your accounts to them. Reporting is not mandatory and some companies report more regularly to the bureau in their region.  * Mortgage lenders often look at all three of the bureaus' FICO scores and take the middle score to assess your eligibility. It is best if you know what the middle score is and make it the best it can be.


Daily Credit Tip: Many consumers struggle with bad credit issues caused by financial mismanagement such as late payments, maxing credit cards and perhaps bankruptcy. When there are existing debt problems, borrowing more money to pay bills may become a habit that escalates beyond quick recovery due to mounting interest charges. Prepare an annual financial plan and break it down into months and weeks, so you can more easily monitor your success.

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