Site Review Blog

Be prepared is not just a motto for the Boy Scouts, but something that applies to almost all aspects of our lives. Being prepared means a lot of things to a lot of people depending on the context. The context that we are going to look at today is insurance. 

Insurance is all about being prepared for an unlikely or untimely event and making sure that if the specified event occurs that you are not financially disadvantaged as a result of the said event.  If we think Motor Vehicle Insurance, we never want to be in an accident, but in the event we are, we would want our motor vehicle repairs to be sorted out - so we insure for such an event.

One of the types of Insurance that we don’t think about too much, especially when we are younger is life Insurance. Life Insurance, just like motor vehicle insurance is planning for an untimely event. Now, there are many  reasons why most people don’t consider life Insurance when they are young.  Well lets face it, when you are young you think that you are going to live forever!  As you get older, start a family, buy a car and a house you have a lot of financial commitments. It is normally around this time that most people consider Life Insurance.

Lets look at a “typical” Family, A husband who goes to work each day, has a wife and children.  There never seems to be a lot of money left each week after paying the Mortgage, Car loan and School fees.  Have you ever considered how your wife and children would survive if for example, you were caught up in an accident and couldn’t provide for them?

It could be a pretty bleak prospect for them just to survivie. With massive debts, no income and just a small amount of savings, they are likely to be in trouble pretty quickly.  They would probably lose the home you worked so hard to provide for them.

This is just one example of why we should consider Life Insurance coverage. Now, I have been looking around to find some additional insurance, and trying to come to terms with all the different types.  What I found was a lot of people wanting to sell you insurance but not many offering solid, easy to understand information about the different types of Life Insurance that is available.  I did eventually find a site that had a a whole section on just that - with great explanations on Term Life, Return of Premium, Whole Life and Mortgage Life Insurance.  After reading each of different types, I then used their “Instant Quotes” page to get an idea as to how much each type of Insurance would cost and with this information, I can work out what is best for me and my situation.

The liefeinsure.com website was unlike most other sites - it was not just trying to sell me a policy, but provided valuable information as well so I could make a sensible and informed decision. The information is easy to find and written in a language that is easy to read and understand.

Visit www.lifeinsure.com

Credit Cards are used by nearly everyone - it is a plain and simple fact.  We all know that having the convenience of a credit card costs us so it only makes sense to shop around and get the best possible card for your situation as possible.   If you are like me you will be looking for somwhere it is convenient to compare the offerings from seveal companies side by side and once you decide what is best for you to then contact your chosen financial instution.

Visit www.creditcards8.com

I have struggeld a long time to understand the term Annuity, that was until I read about it on this website. After reading the explanation I finally understood in far more detail what it is all about.

The Definition of Annuity is

1. 1. The annual payment of an allowance or income.
   2. The right to receive this payment or the obligation to make this payment.
2. A contract or agreement by which one receives fixed payments on an investment for a lifetime or for a specified number of years.

Now we know the definition of an annuity - that it is a payment, the next thing to understand are the different types of annuities. If we consider that if you Have a huge lottery win and your prize is offered as fixed payments over a fixed number of years then this is 1 type of annuity.

The most common type would be an insurance payout. Your life insurance Policy is probably the one that most people are familiar with. Either on your death or on the policy maturity, you (or your estate) are paid an amount of money at fixed periods. There are substantial advantages to using such a policy as a means of retirement savings.

The only problem with getting paid as an annuity is that you cannot get a lump sum for larger purchases such as buying a house. There are ways where you can get access to your annuity all at once and that is to sell the payments to someone else in exchange for a lump sum right now, sort of like a loan where you get the funds now, and the annuity payments “repay” the loan. Finding the right company can be tricky, and the StructuredSettlement-quotes website can provide you with a quote and your options to suit your requirements.

Visit www.structuredsettlement-quotes.com

Lets face it, in this day and age it is almost impossible to get by without a credit card. As you can make more and more purchases online it is pretty hard to hand over a wad of cash to make that purchase, so the online environment has favoured the use of a Credit card so you can make the purchase and they can get their money.

Since it has (almost) become inevitable to have a card then you should look for one that gives you what you want. With so many programs out there that offer some sort of incentive from airline miles to discounts on cars you can easily get lost trying to find the Best Credit Cards for you.

Not only is there all sorts of programs, then there are also a lot of places that you can get the card from - there are literally hundreds of banks and financial institutions competing for your Credit Card business. Let me tell you that all credit cards are not created equal and this is where you really need to be careful - look for one that has a low or no yearly fee and the lowest possible interest rates on your balance.

If you go to your bank, they will only be interested in signing you up for their product and you may not get the best possible deal. So this is where it becomes important to shop around using an independent source that will let you compare at minimum things like Annual interest rate, and Annual Fee. Well, you can find all of this out when you look and compare at the Credit Card Search Engine. I just selected a single category of card trhat is listed on the homepage - the Gas Rewards card and It gave me a list of 6 different cards on offer along with the info so I can compare them.

Once you have made a comparision and found a card that is right for you, simply click on the “Apply Now” Button near the card - saving you the trouble of tracking down the Issuer and getting an application from them directly.

Visit www.creditcardsearchengine.com

My firt thought when asked to review another credit card site was yeah, yeah, yet another of these sites…. As Always, I went in with an (almost) open mind and spent a few minutes as to what the site truly offerred that set it apart from all the others out there. It didn’t take me long to find something that stood out - and it wasn’t the front page! OK, the front page isn’t that bad, but more on that in a moment. What I found that was a plesant surprise was the Credit Resources pages - and especially the Glossary.

CreditMe has all of the things that I have come to expect from a site in this niche - and that is the infoon all sorts of Credit Cards including Amex Credit cards, Citibank Citicards credit cards, and Chase Manhattan’s Chase Bank Credit cards. They also provide several searches based on Card types. I also found several articles and resources related to credit and credit cards.

Now, back to the website itself, It has a clean simple layout and uses a Green and Lilac on white colour scheme. I have not seen these particular colours used together, but they manage to pull it off by only using a small amount of each colour. The site is fairly new, but it has an almost not quite finished feel to it - they have included sections on client reviews of the products but they are all empty. True, maybe no-one has done a review yet, but the page with just a title on it just seems unfinished to me. It might have been better to put a simple “be the first to write a review” type message into the content area of their site.

Visit www.creditme.com

Everyone has at least 1 bank account and for most of us these accounts are nothing more than a convenience - somewhere that the pay goes in and the bills go out of. These Accounts usually have all sorts of fees and they usually end up costing money to have the account!

Now, not every savings account has to cost you - you just need to find one that actually pays you a decent rate of interest on your balance.

Compare high yield online savings accounts and find a new savings account or checking account and earn more interest today with SavingsAccounts.com

Now right there on the homepage, in great big green numbers you can see the actual rate that you can get on your savings from various savings accounts. There is no wading thur pages and pages of data, reading all the fine print - simple and in your face, making it real easy for you to find what you want - and that is how to get a few extra cents for your dollars of savings!

Visit savingsaccounts.com

Credit cards can be a great tool for anyone who runs a business by allowing you to easily keep track of all the business expenses in one place. If you are looking for a business credit card but are confused what to look for, Creditorweb has a tool that can help you narrow down what cards fit your criteria called the Best Credit Cards tool. It includes the Advanta Credit Card - which is a Mastercard that caters to small businesses.

You would expect that a website about Credit cards would also offer something more than a comparison of different cards and Credtorweb has a whole lot more. One of the things it offers is a simple Credit card payoff calculator that does some simple calculations on your outstanding balance, interest rate and monthly repayments and it tells you how long it will take and how much a credit card is costing you. There are also a heap of articles on using and choosing a credit card.

One particular item was of interest and that is linked from the main navigation in the header - it is all about Credit card processing. Now most of the time when we think credit card, we think about using it to make a purchase with, but the other side of this is that the company we are making the purchase from has to accept or process the transaction. If you run a small business and want to start looking at accepting credit cards and grow your business then this article is a great introduction to the other side of the card.

Visit www.creditorweb.com