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It's time to begin planning
your holiday funding.
Apply for a Christmas credit card
or for a Christmas personal loan

    

             

    

  

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.

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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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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.

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

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

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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.

  

Bad Credit OK

Good Credit Only

 

 

  

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.


Bills: It can be extremely difficult when being in debt becomes a problem. Yet, credit counseling has proved to be beneficial for millions of people having to face debt issues. The first sign there could be a problem, is rejections when seeking credit. Lenders will view their applicant's credit status before approving any loans, and if credit is not good, they reject the applicant.

 

Credit counseling has helped people who have been unable to pay all their bills, and who have exhausted all means to solve their problems without professional help. Counselors can train people how to spend responsibly, even when using credit cards, and how to manage debts that have been owed far too long.

 

Lending institutions do not like to get missed or late payments. Just like people expect to get their paycheck, creditors like for their customers to pay their bill on time. People often get into money problems when they carry too many credit cards and they over-spend, thus ending up with high card balances. When they ignore the bills, late fees and higher interest rates could be added which leads to being more in debt.

 

A credit counselor may be able to help people who are in debt, by reviewing their finances. They can figure out how much a person owes and analyze some spending habits that are causing bills to go unpaid. Along with this, they figure the net income and expenses, and work out a plan for an affordable monthly payment. They are able to educate clients about how to manage their finances productively.

 

Counselors may recommend negotiating with creditors for revised repayment options, or to consider credit consolidation. They know the types of available solutions, because they are experts at what they do, and they are very knowledgeable in their area. They are good at explaining credit report scores and the types of credit inquiries that appear on the report. They can give valuable tips on how to repair credit and financial tools to use to rebuild scores. When all options have failed, credit counseling programs may be a resource to use to get debts under control



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.
 

SecondChanceChecking.us Review - ©Copyright 1997-2009 SecondChanceChecking.us All Rights Reserved

It's a no win situation with bad credit or being in Chexsystems and trying to get a bank account. Until now. Let our company get you through the next 5 years, maybe 7 years for people with bad credit. We work with banks who already know you have been denied a traditional checking account.

These banks are waiting upon your application to approve you and get you through it. And we are proud to work with these companies that can help you. Please keep in mind there are no credit checks and there are no Chexsystems Checks. If you have bad credit or are in Chexsystems it doesn't matter you are approved regardless!

Second Chance Checking With Checkbook - Our company is here to help all of you who have bad credit, are stuck in chexsystems, or telecheck get a Second Chance Checking Account.

We offer a Second Chance Checking Account with Debit MasterCard, A Checkless Checking Account offered through Republic Bank, and a Prepaid Visa Bank Account.

If you are in Chexsystems they list you there for 5 years. What are your choices when you cannot get a Checking Account because of Chexsystems? 

People who have bad credit apply for checking accounts thinking that since they are not listed with Chexsystems they will automatically get a checking account.

They do not know any better that the banks most likely will run a credit check.

Now more than ever because of the Economy the way it is banks are checking peoples' credit before opening any type of bank account, not just a business bank account.

If you have bad credit, banks can and will deny you a New Checking Account because of your bad credit scores.

We recommend that you have at least a 650 Credit Score and up before applying for a Checking Account. And make sure that you are not listed with Chexsystems.


Beware Phishing, Vishing, SMiShing and Spear Phishing scams
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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.
 

HighestInterestSavingsAccount.com Review - Copyright (c) Highest Interest Savings Account, Open Online Savings Account

Highest interest savings account that is also known as online savings account is one of the most convenient and profitable tools for keeping and generating cash in modern banking system. A lot of questions usually appears about what exactly is highest interest savings account and what features does it have. Below we try to answer some of the briefly.

What is highest interest savings account?

Highest interest savings account is savings account that is provided by an online bank and pays significantly higher annual percentage yield (APY), than similar accounts provided by traditional banks do. The name itself suggests that such accounts pay “high” interest rate, and in most of the cases this is the case.

What is an online bank? Online bank is licensed financial institution that provides highest interest savings account to its customers. Usually it does not have physical office, where it serves its customers. This allows online bank to reduce costs and offer its customers much higher annual percentage yield than traditional banking institutions can offer. Instead of providing traditional “face-to-face” banking services, online banks have a secure website that allows online bank customers to conduct financial transactions online. Such websites allow customers to open and close accounts, transfer money from and to savings account, pay bills and etc.

What benefits do such accounts have? These accounts have a few important advantages:

- offers high annual percentage yield (APY) (Check APYs for 2010);
- since cash is hard to access, it helps you save;
- it is secure, deposits are insured by FDIC;
- since you get interest income, it helps you overcome adverse effect of inflation;
- lets you set up automated bill payment and earn interest before the money is actually transferred;
- lets you create “bad times” reserve;

This type account has many more benefits.

Are online banks and highest interest savings accounts safe? The first thing you ask, when you hear the phase “online bank” is whether it is safe or not and should you trust your Highest Interest Savings Accountmoney to “some website”. What if it shuts down? Where should I look my money for? The answer is simple: online banks are as safe as traditional banking institutions. They are also licensed and their highest interest savings accounts are also insured by Federal Deposit Insurance Corporation (FDIC) (up to $250,000). So virtually in this sense there is no difference between this type of savings accounts and ordinary savings accounts.

How can online banks provide higher interest rate on their highest interest savings account, than traditional banks on their certificates of deposit and savings accounts? As it was already said above online banks do not have physical office that serves their customers. Neither do they have the staff that would work in the office, so online banks manage to save a lot on this. This allows them to pay higher and more competitive interest rate to their customers than traditional banks do.



Tip of the Day: Would it be foolish to get another unsecured credit card when you already have several cards maxed out? Perhaps not. Your FICO score takes into account how much of your total credit line is already obligated on credit cards and other revolving credit accounts. If you are close to maxing out your credit cards, this can lower your score. So getting yet another unsecured credit card may not harm your score, but could help it (considering there are no other problems with your score) by increasing your available credit limit. But don't max out the additional credit card, too.


Tip of the Day: To curb credit card charges, wrap your credit card in a sheet of paper and keep a log of purchases written on the paper, with a grand total of charges in view each time you reach for your card. Before swiping your card, figure out how many hours you'll have to work in order to payoff the charge and jot on the paper: "IOU #Hours of Work". Perhaps seeing how long you'll need to work to payoff the charge will help curb spending.

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