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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.

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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.

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

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Government nontraditional grants - Review other types of grants.

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

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

   

  

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Credit Tip: If you change your address; whether to another state or even within the same city, immediately notify your creditors so you'll continue to receive your billing statements and other important notices timely. Some creditors allow you to update your account information online.


Credit Tip: It's important to note that, under the Equal Credit Opportunity Act, financial institutions must make credit equally available to all creditworthy applicants without regard to race, color, religion, national origin, sex, marital status, or age, and without regard to whether all or part of the applicant's income derives from public assistance, or if the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

 

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

 

It is a matter of rating that often gives a picture about how a borrower may behave when it relates to paying bills. The three major credit bureaus which are Experian, Equifax, and TransUnion have different information on consumers and a FICO score indicates how good or bad credit is. To top it off, credit behavior is predicted based on the data. Lenders use a FICO score to decide if they will approve or reject an applicant that desires credit.

 

Low scores do not necessarily mean there is not a chance to borrow money, and even borrowers who have problem credit history have been able to get more credit. However, lenders may charge people who have poor credit higher interest rates. FICO scores range from a low of 300 to a high of 850, the higher the score, the better credit is. To have good lending terms like low interest rates, it may take a higher score than 700. 

 

Lenders like to see good payment history, and this can account for about 35% of a credit score. This is information about payments on credit cards, mortgages, auto loans, or other loans. It can include late or missing payments, which can have a negative affect on scores, as will bankruptcy or other financial judgments. How much money is owed, and how much available credit there is, will affect scores too. It is best to use less than thirty percent of the available credit.

 

Low scores require work, and repairing them requires getting more credit and repaying on time. Lenders will view credit reports, which gives details about credit behavior. When recent payment history is good, they may give the applicant credit. Each lender will usually have their own rules for granting credit, and it can be a positive thing to get to know lenders. Do not despair when rejected, there are many lenders who will take a chance on some borrowers who have low scores, but a good paying history. The most important tip for repairing bad credit is to always pay bills on time. One way to get new credit is to apply for a small payday loan and repay it early or by the due date. If the lender reports to a major credit agency, this can be the start of good payment history.

nov 1 personal credit below

Personal Credit

 

Daily events can have an affect on credit throughout the year, life is constantly changing in positive and negative ways. Events like divorce, marriage, loosing a job, being in debt, and other big events have a way of affecting the finances and the budget. Those people who share their income may have an easier time, but they still may need credit from time to time to get the things in life they want or need, whether jointly or separately.

 

Marriage can impact credit history when couples share credit card accounts or other accounts. If someone is not monitoring joint accounts, it could cause some problems to credit scores. For example, if two people have a joint credit card account which ends up being way over the credit limit, it can affect scores in a negative way. If both account holders are charging and not making payments, the account can end up being delinquent which further damages scores. People who share accounts should outline some goals and set some boundaries for charging, paying bills, and living on a budget to avoid financial woes like finding themselves deep in debt.

 

For people who change their name, it is a good idea to let credit bureaus, know to prevent having credit history affected. It is always important to not just establish credit history by means of joint accounts, but to also have individual accounts that establishes credit in each person's name, independent of each other. This is like protection in the event that one partner dies. One will already have established their individual credit history. Credit can be hard to get for someone, when there has not been any history established.

 

Accounts that are held jointly means both partners are responsible, and a credit card company will go after all partners on the account for bill repayment, no matter if a court rules that one person is to pay the bill. This happens everyday, one account holder gets revenge by charging up to the credit limit but they never plan on repaying the bill. They don't care. Bad credit happens when debts are not paid. The sad thing is that the account can not be closed until the bill is paid in full. There may be an option to put a freeze on the account until the account is paid off, and then it could be closed to prevent further problems.

 

When credit is ruined, there are some ways to rebuild it. One way is if there is a mortgage owed, the homeowner can set a goal to pay a bit more each month and to make payments before the due date. This helps prove you can be financially responsible to lenders. Credit can also be repaired by making credit card payments on time each month or paying the bill off in full. Lenders don't care about divorces and other personal problems, they only care about getting paid and who is on an account that is responsible for making payments. Account holders are the ones who will be pursued or sued for repayment no matter what a judge rules.

 

One of the best things to do when faced with a divorce is trying to payoff and close any joint accounts. This can put an end to more complicated financial problems before and after a divorce. Closing accounts helps to close the financial aspects of being married and getting divorced. Sometimes it is necessary for couples to sell a home to really be able to get rid of all financial loose ends when divorcing. Some people attempt to open new, individual accounts in just their name even before a divorce is final, this can be helpful.

 

When people apply for credit, lenders will check credit reports, to help them decide if they want to give credit and just how much they will extend. When credit history is good, there can be better interest rates offered. Good history means bills are paid on time, loans are paid in full or on time, the credit limit is not abused, and there are no negative comments on the reports. If there are only a couple of late payments, it may not affect scores much, but when this is constant and bills are constantly over 30 days or more late, it lowers scores dramatically.




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.
 

CitizensBank.com Review - © Copyright 2011 Citizens Financial Group. All rights reserved.

Checking Accounts - Take control of your everyday finances with an easy-to-use and conveniently accessible low fee checking account. Our interest bearing personal checking accounts help you simplify making purchases, automatic deposits, paying bills, transferring funds and more.

Experience the benefits of personal checking account options that meet your needs and fit your lifestyle. Open a bank account online and find helpful account features that can help you:

* Earn up to $120 a year and help the environment, just by using your debit card and paying bills online with Green$ense
* Access your account online, at over 1,480 branches, or any one of our 3,800 ATMs
* Get account and payment alerts sent right to your email or mobile device, pay bills online in just minutes, and go paperless with convenient eStatements. Learn more about our online bank checking account features today
* Also, rest assured that your deposits with us are FDIC Insurance1 protected.

Personal Checking Accounts with Interest: Open an interest checking account with Citizens Bank, and receive all the great features from our convenient checking packages, plus earn interest on your funds at the same time. Our interest checking accounts are designed with your needs in mind, so you can simplify the way you manage your money. 

Savings Programs - Whatever you’re saving for, we have savings programs to help you get there. Saving isn’t easy. We can help you get started and stay on track. Whether you want to be rewarded for saving, or want to make saving easier than ever, our automated solutions can get you where you want to go.

Savings Programs Features
GoalTrack SavingsSM - What are you saving for? A new car? A dream vacation? GoalTrack Savings is your personalized savings program. It helps you set your savings goal, tracks your progress toward your goal, and rewards you when you reach it.
CollegeSaverSM - Save the monthly minimum amount each year and receive a $1,000 bonus plus interest when your child turns 18.
HomeBuyer SavingsSM - Receive $1,000 credit towards the closing costs on your Citizens Bank mortgage.
Steady Save® - With Steady Save, we make saving simple with automatic transfers from your checking or money market account. It’s hassle-free and saves you time.

Online Banking & Bill Pay. A better way to bank and pay bills.
* The fast and easy way to bank.
* Pay almost anyone in 24-48 hours.
* Greater control over your finances.

Security, Privacy and Legal - There is nothing more important than protecting you and your information - whether you're doing business with us online, by phone or in one of our offices. To learn more about privacy, security, online fraud, and our Terms of Use, please select from the options below.

Mortgages - Find competitive adjustable and fixed rate mortgages. Take advantage of mortgage programs designed with terms and features to help save you money. Our popular fixed-rate mortgage keeps your monthly payment constant and predictable, making it easier to work into your budget. On the other hand, an adjustable rate mortgage can be a good option for keeping your payments low until your income grows or situation changes. If you’re interested in purchasing a property in an area with high home values, our jumbo mortgage product can help bring your dream home within reach. Learn more about each of these mortgage options below, including terms, rates and how you can apply. Also, use our Home Ownership Kit to learn more about the home buying process, calculate monthly payments and find financing that meets your needs.

1-800-922-9999


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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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.
 

Best-SavingsAccount.com Review - © Copyright 2010 Best Savings Account

How to choose the best savings account for you: Everyone understands that a 2.50% interest rate is better than a 1.50% interest rate. However, choosing the best savings account for you involves much more than just finding the best rate, you have to be exceptionally careful before investing in any sort of savings account. Listed below is what will help you find the best savings account so that you can maximize your return and protect your principal.

You have the option of choosing a local brick and mortar bank in your community, or you can choose an online bank for your financial needs. Many online institutions are going to have offers that involve the best savings account or best checking account benefits and rewards. The choice of which bank is entirely in your hands.

Compare the Savings Account interest rates at several banks before you make your final decision. Find out about any early withdrawal penalties, and ask if they limit you to a certain number of withdrawals in any pre-set tie period. You also need to know if there are any minimum balance amounts concerning any type of account that you may be interested in signing up for.

When you are searching for a bank that offers the best savings account many people look for the big names such as HSBC, Chase or BB& T. There are some smaller institutions that are stepping up to the plate as well, so you should not overlook them just because they are less well known.

The best savings account is designed to make your financial life safer, easier and more profitable. Make sure that the bank is covered by FDIC insurance at the onset. Ask if you can convert your savings over to CDs at your discretion. Inquire about the possibility of using your savings account to pay bills. Make sure that the hours of operation of the bank are convenient for you and be sure to find out about any phone or online support options that they offer.

Find out about the online banking options that are going to be available. Ask how easy it is to transfer money between savings and checking accounts. A bank that really offers the best savings account has the ability to tailor a package that is ideal for you and your particular situation. Find out if there are any charges for withdrawing savings using an ATM card. Also ask about the process for transfers from bank-to bank.

If you can find a bank that provides you with high yield and no minimum balance requirements these are two factors that frequently signal that you may have found a financial institution that can offer you one of the best savings account plans on the market. You do need to keep in mind that savings accounts are good if you have a few hundred dollars to a few thousand that you need to keep around for an emergency. However if you have substantial amounts of money that you are going to deposit you may need to consider a different financial vehicle that will pay you more interest and dividends.


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