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.
Debt
People
with poor credit may keep damaging scores just by getting deeper into debt or
keeping debts. Those who want to find an answer to financial problems often seek
a consolidation service. It is best to search one that has experience helping
those with credit challenges. Many of these services, do require clients to have a certain credit score to
qualify, yet there are some requirements to be eligible.
Some
consolidation companies require borrowers to have a minimum level of unsecured debt,
no existing enrollments in debt consolidation programs, and be willing to cancel
credit cards included in the consolidation. People with excessively high levels of debt
may not be able to qualify.
Having
debts with high interest typically leads to credit problems, which can prevent
some consumers from being able to consolidate. People with excellent credit,
usually are able to get approved for a home equity, debt consolidation loan.
When there are blemishes on credit records from the burdens of overwhelming debts,
some debt relief programs may not be an option.
However,
there are many debt consolidation services who can assist those with bad credit
and credit challenges. Lenders define "bad credit" in various ways,
but a score of 620 or below is usually classified as poor. For scores like this,
it can be next to impossible to get loans to pay bills from traditional banks and credit unions.
Applicants are considered a sub-prime borrower, and few lenders are willing to assume that risk.
Consumers
with poor credit do have some options to put a stop to constantly damaging credit scores.
There are choices like credit
counseling, consolidation loans, debt settlement, and the last solution
could be bankruptcy. Finding the right service for individual debt needs can
take some thought and research, which can be started by using online sources.
Using online resources provides privacy and the ability to compare services. It
can be one of the quickest ways to get a quote or check out a company to see if
they are reputable.
Having
bad credit usually does not disqualify people from receiving debt consolidation services. However,
some consolidation companies may require that payments are no more than three months behind. For
people who have more serious delinquencies, debt settlement or debt negotiation may be
an option to consider.
Some lenders offer
debt consolidation loans with less eligibility criteria. Many debtors with bad credit can
use these loans and pay off high-interest debts. These loans may have high interest rates,
yet most loans for bad credit people do anyway. There are hundreds of choices
for using professional services, the important thing is to start early, before
debts and late fees are out of hand. Quotes are usually free, and it may be a
step in the right direction to get one. Debt relief can help ease some of the
stresses of life and may eliminate some sleepless nights.
How do I stop charges to my credit card account for a free offer I had cancelled during the trial period? I cancelled the free trial, but the company keeps charging and my bank says to contact the billing company:
First, send a certified letter (with return receipt) to the offending merchant who keeps charging your credit card, and direct them to stop charging. Include any documents you may have (copy of email, cancellation number, etc) to prove you had cancelled the trial offer within the required time range.
Afterwards, notify your bank in writing about the charge(s) you feel were in error. (Use the billing error instructions, which should appear on the back of the periodic credit card statement. This address is usually different from where you send your payment.) Also inform them that you had sent a cease letter to the merchant. The bank must receive your notice of billing error within 60 days of its having sent you the first monthly statement containing the unauthorized charges.
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.
PCBBank.net Review - Copyright Preferred Community Bank
Gold Interest Checking Account
* Available to those 50 years and better
* No Minimum Balance Requirement
* Interest Checking Account - Earns interest at the current published Gold Account rate on balances of $1,000 or greater. No interest is earned for those days when the balance falls below $1,000. Rate may change after account is opened.
* FREE-No Monthly Service Charge
* FREE-Unlimited Check Writing
* FREE-Printed Checks
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* $100 minimum opening deposit
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Features available with our Preferred Checking Accounts are:
* Clear and concise statements to simplify record keeping
* Choice of checks and check registers to match your personal lifestyle
* Overdraft protection is available. Funds are automatically transferred from your Savings Account or another checking account to cover the overdraft. This service is subject to a per transfer fee.
* Funds can be automatically transferred from your Preferred Checking Account for payment on your PCB loan account in a timely manner
* Master Money® Debit Card-Accepted by millions of merchants worldwide; deducted directly from your Silver, Platinum, or Gold Account
* Direct Deposit of Social Security checks, government checks or payroll checks gives you quick access to your funds
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.
Tired of searching and applying blindly for credit? Let free credit offers come to you by joining our newsletter. There's no obligation to accept any offer.
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.
Unclaimed money inheritance: If you are an heir of a deceased person, you should check the unclaimed funds listings for every state in which that person had resided. If you locate unclaimed money, simply submit the special unclaimed property form provided by the specified state. Include a document which proves you are indeed the beneficiaries heir. Although a beneficiary had long deceased, each state is required to attempt to find an heir, or at least provide a method for the heir to discover the funds. That's why each state has established its own unclaimed property database. The money or property that was due to the deceased person, remains due to the heir (or heirs) until claimed.
