This powerful; yet simple to use, calculator helps consumers track expenses and functions like a checkbook register. Users type in their expenses (as well as income) and assign it to a category such as "Credit Card Payment". The software calculates how much money is spent for each specific expense category. An estimated credit grade is also calculated based upon expenses and the assigned categories, as well as debt-to-income ratio. Another feature of the software are the credit improvement tips. The software examines expenses and provides tips accordingly. There's also a section for inputting bill payment reminders.
Credit Card Interest
Debt Calculator - See how long it will take to payoff your balance based
upon the amount you can afford to pay per month.
You can also use this function to determine the amount a person should pay
you back for placing a charge on your card.
Credit
Card Payment Calculator - Estimate the amount of money you'll need to pay
every month in order to payoff your balance within a certain time limit,
such as 6 months, 8 months, 1 year, 5 years, etc.
Auto Loan
Calculator - This also calculates total interest as well as monthly payments
for a New or Used auto loan, and for refinancing.
You can also use this calculator to determine how much money (with interest)
a person should pay you monthly to repay a personal loan you lent to
him/her.
New Mortgage Loan Calculator - This calculates monthly mortgage payments as well as total interest charges.
Mortgage Refinancing Calculator - This calculates the new monthly mortgage payment based upon the refinance interest rate. It is very useful for people considering a mortgage refinance to not only determine the new monthly payment, but also to see if they will save more money.
This calculator can also estimate new mortgage payments after an equity
loan.
Monthly Expense Calculator
- Adds up your total monthly bills and income, and tells you how much 'free
money' you have left over.
Savings Interest Calculator
- See how much interest money you can earn over time.
3)
Windows Type Calculator: This calculator
performs regular math functions like the Microsoft Windows calculator, yet it
also has an equation function. Perform math functions such as add, multiply,
subtract and divide, as well as bracketed equations.
About Credit Federal's Calculators: These free financial calculators were developed by CreditFederal.com to assist U.S. credit consumers, and do not require registration. They are void of AdWare and
SpyWare, and do not require entering any sensitive information such as bank account or credit card numbers. All calculators function on Windows computers and can be saved/launched directly from the Desktop by double-clicking on the icons. Via the CreditFederal.com website, consumers can obtain more information; as well as
usage instructions on how to use the calculators.
4:
Windows Type Calculator: Simple calculator, no instructions necessary. Simply click to download to your Windows computer.
Personal
Credit
Avoiding
unnecessary credit inquiries can help credit, because lenders often consider the
number of inquiries made and the dates. Sometimes too many are viewed as trying
to get more credit due to some type of financial problem or that too much debt
is being pursued. When people seek credit and allow businesses or lenders to
check their reports, an inquiry is added that can stay on the report for up to
two years. Minimizing the number of inquiries is an important task. For example,
people who are seeking a mortgage loan should not let all lenders do a check,
instead a consumer should get an idea of what a lender can offer first before
letting them run a check. Once a lender views an applicant as a risk, they may
raise the rates.
There
is another thing to consider when it comes to having too much available credit,
and that is the chance to get into more debt.
Having a lot of credit cards
with high credit limits is usually viewed as a good thing, but it could also
indicate a possible risk in the future. Lenders view reports to try to determine
if their chances of getting paid are good. When a borrower takes on too many
debts, lenders know they may not get paid as agreed. They also know that taking
on more debt in the future, due to a lot of available credit, can pose a risk.
When
a person desires to close any extra, unused accounts to limit their available credit,
it is a good idea to ask that it be documented that the consumer requested the
account be closed. This eliminates the problem of a lender thinking it was
closed by another lender due to problems involving getting paid. Good payment
history will always interest lenders, and can determine if favorable fees are
offered. Credit does not always have to be excellent to get the best loan
rates or credit cards, as sometimes a history of one or two late payments will
not matter. However, history of payments that are sixty or more days late may
cause a lender to reconsider approving an applicant. For those who cosign for
others, that can be considered an applicant's debt too. If the loan is not paid,
it is the cosigner's responsibility to pay the debt.
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.
Banking Solutions: When it comes to your financial health and well-being, a bank that's just okay is no longer enough, not for you and your family. It's time to raise your expectations. What follows is personal banking the way it should be; a full spectrum of savings, checking products and services designed to maximize your banking potential while simplifying your life. Welcome to the new Regions.
*Checking - Your Regions checking account opens the door to a host of banking services.
*Savings - Consider the variety of ways you can begin building or adding to your nest egg. Learn how to save with Regions today. Grow your savings with one of our highest-yielding, FDIC-insured savings tools.
*Regions Visa® CheckCard - Fast, easy and hassle free purchasing with the card that works like a check, only better. This is our way of saying 'thanks' for banking with Regions. There are many simple ways that you can get rewarded for your everyday banking.
*Priority Banking - Pay your personal and business taxes online, anytime. A preferred-customer program that delivers a high level of personal service along with special savings and earnings opportunities.
*Regions Safe Deposit Box - Protect your valuables - documents, collectibles, financial records, family photographs - and more
*Personal Account Switch Kit - We've made it easier than ever before to switch to Regions Bank with our "It's So Easy to Switch" kit. We've taken the hassle out of moving your checking account from your old bank with step-by-step instructions and simple-to-complete forms.
Loans and Credit: When it's time to finance a golden opportunity, a college education or you and your family just need a little extra cash to get through an unexpected emergency, expect more from Regions - more loan options, more guidance, more understanding. Whatever goal you're trying to achieve, whatever need you're trying to meet, a Regions loan representative will be happy to assist you in determining what loan option will work best for you.
*Credit Cards - Your choice of a MasterCard or Visa credit card plus optional add-on services to increase their value.
*Home Equity - Use the value in your home to finance your dreams.
*Mortgages - Home purchase or refinance, we have the loan program to meet your needs.
*Auto Loans - Flexible terms and competitive rates to put you in the vehicle of your dreams.
*Student Loans - At Regions Bank, we give you the power to choose the right products and the flexibility to customize those products to meet your needs.
*Properties for Sale - Locate available Regions' owned properties for sale.
*Regions Ready AdvanceTM - Short-term loans for eligible checking account customers to use on their next qualified direct deposit.
Regions Online Banking: Regions Online Banking gives you freedom to bank anytime, anywhere. Take advantage of a safe and secure way to check your account balances, pay bills and transfer funds. You’ll have everything you need to manage your finances and… it’s completely FREE!
*Bill Pay - Schedule all of your bill payments from one place.
*Regions Personal PaySM - A quick, convenient and secure way to send money to anyone with an email address or mobile number.
*Online Statements - View, print or save monthly account statements*
*Mobile Banking - Bank on-the-go from the touch of your phone.
*Quicken - Link your Regions accounts to your Quicken® software.
*Regions Online Security - Learn how we protect you and how you can help protect yourself.
Personal Loans: At Regions Bank we realize that our customer's needs are varied and one size does not fit all of their needs when it comes to financing.
*Personal Installment Loans - A Regions personal installment loan can be used to purchase just about anything you need.
*Personal Lines of Credit - To meet a variety of needs, we offer two personal, unsecured lines of credit.
Call 1-800-REGIONS
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.
Fees
Monthly account fee: $0
Optional Online Bill Pay (for months when average daily balance is $5,000 or more): $0
Optional Online Bill Pay (in any month when average daily balance is below $5,000): $8.95
Overdraft Protection Credit Line monthly fee: $0
Overdraft Protection Credit Line late payment charge: $25
Overdraft Protection Money Market transfer fee: $0
Yield Pledge® Checking
Minimum opening balance: $1,500
Minimum balance to earn interest: $0
ATM reimbursements: Unlimited
Online & mobile banking: Free
Make deposits from home: Free
Optional Online Bill Pay: Available
Overdraft Protection: Available
$50 satisfaction guarantee: Yes
Additional online security: Yes
Personal Finance Help:
Free, short term immediate help and long term planning tips to improve personal
finances. Learn how an annuity and insurance can help.
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Browse for more personal
finance resources.
Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Card: Search for secured and unsecured credit card applications and apply online. Applications for all types of cards ranging from an instant approval bad credit card to no deposit cards, including platinum credit card rewards.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.
Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.
Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.
Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Tired of spending your hard-earned money on high interest, high risk loans and credit cards? You can save money on your existing loans and credit cards. For example, with your credit cards and department store charge cards, which tend to charge high interest rates, you can cut costs by paying off most or all of the balance each month. However, if you're unable to pay most or all of a card balance, pay as much as possible, at least the minimum amount the card issuer says is due. Also consider your options if your lender raises the interest rate on your credit card. If you've got a good payment history, you can call your bank and ask it to reconsider the rate increase. "Sometimes banks will make an accommodation to keep a good customer, especially in the credit card area, where there is so much competition," said Joni Creamean, an FDIC Supervisory Consumer Affairs Specialist. If it appears unlikely your lender will reduce the interest rate on your card, consider a written request to repay the outstanding balance under the "old" interest rate and terms. "If the lender approves your request, this means you'll save on the remaining finance charges but you'll probably also be closing your account," Creamean explained, "so be sure you have other options for borrowing money before you take this course of action." You also can shop around for a credit card with a better interest rate, but factor in any fees you'd pay. There also are ways to cut your mortgage costs, such as by periodically adding a little extra to your monthly payment (assuming you can spare the money). Doing so will reduce the length of your loan, which in turn can cut the total amount of interest you pay. With any type of loan, make sure your payment is received on time. Don't wait to pay at the last minute. "Paying on time will help minimize the finance charges and stave off any potential late fees," explained Kirk Daniels, also an FDIC Supervisory Consumer Affairs Specialist. In addition, be sure to read all the literature from your lender that describes account terms and conditions, starting when you open an account and later in your monthly or other mailings. "Sometimes a lender may send a notice of changes to your credit card account and you may easily mistake it for an advertisement," Daniels added. "These mailings often ask you to confirm the changes or 'opt out' by providing notice to the bank. You don't want to be surprised when your next statement arrives and you find new or higher charges you easily could have avoided if you had responded to the mailing."
