Money Tips & Advice

Tax Refunds: Direct Deposit Facts
Every year millions of Americans anxiously await their yearly tax refunds from Uncle Sam. If you are one of the thousands expecting a tax refund, here is some information useful information you may not know about, as well as suggestions to get your money faster.
Spending Your Tax Refund
If you are one of the millions of Americans expecting a tax refund this year, you may be asking yourself, “How do I spend my refund?” Find out how to put your refund money to good use by spending it wisely
Tax Rebates: Act of 2008
By far the most identifiable factor, the Economic Stimulus Act will provide more 120 million households nationwide with tax rebates, costing over $100 billion. Learn more about how the rebates work and how to qualify for one.
Economic Stimulus Act of 2008
Signed into law on February 13, 2008 by President George W. Bush, the Economic Stimulation Act of 2008 addresses the need for economic stimulation. Lean more about what the act entails and how it intends to stimulate a slowing economy.

ChexSystems: The Basics
Are you having trouble opening a banking account? Do you keep getting denied and can't understand why? This may be caused by a service, used by financial institutions, called ChexSystems. What is ChexSystems and what does it have to do with you? I'm glad you asked.
Common Questions about ChexSystems
Answers to the commonly asked questions regarding ChexSystems.
Step-By-Step Guide to Disputing a ChexSystems Report
This guide includes dispute instructions, ChexSystems contact information and a sample dispute letter.

Second Chance Banking Overview
When issues with your banking history deny you a checking account, consider second chance banking as a way of getting back into the banking system.
Prepaid Cards 101
Prepaid cards are commonly referred to as prepaid credit cards but function more like a debit card than a credit card. Credit cards extend a line of credit to cardholders whereas prepaid cards only use money loaded on the card. Prepaid cards can be used to withdraw money or pay for goods and services wherever MasterCard and Visa debit cards are accepted.

Check Cashing Centers: Pros and Cons
Most people have mixed emotions about using check cashing centers; however, there is good discussion as to why these financial service centers should, or should not, be used.
Check Cashing Alternatives
Are you tired of paying the high price of cashing a check at a check cashing center? Learn about alternative methods for cashing checks.

Payday Loans: A-Z
When you need money now and can’t wait until your next paycheck, payday loans may be the answer. However, using payday loans can have its disadvantages as well.
Payday Loan Alternatives
Payday loans can be beneficial if used responsibly. For others, using payday loans may lead to additional financial struggles. Here are some useful alternatives to payday loans.