Credit counseling and debt management service providers of CareOne Credit Counseling Services have launched a collection of free Web-based financial tools and resources through their new MyCareOne platform (
Baltimore, MD (
The MyCareOne tools engage consumers in an easily-customized environment where they can move, add, or delete homepage features (called "gadgets") to access an assortment of financial planning resources tailored to their individual needs. Current gadgets available on the MyCareOne platform include a savings planner, a collection of debt management success stories, financial advice from the company's own Debt Diva, and access to the
"Getting out from under debt or finally being able to save for that car, college education, or trip you've always wanted to take really are achievable goals," says
MyCareOne is a free service available to consumers, and all registered members will have access to the following financial planning tools and features:
- MyCareOne's Message Center - Messages from CareOne Credit Counseling Services (such as new feature announcements) can be accessed from the user's home page.
- Home Page Customization - All users can drag and drop (or add and remove) page elements to create their own user experience, placing their favorite tools in easy-to-access locations.
- MySavings Gadget - The MySavings tool lets users create a variety of savings goals including deadlines and monthly savings estimates to reach those goals. It even keeps track of the individual's progress.
- FreedomPointers - Users can access FreedomPointers tips on how to save money on a daily basis. Tips are contributed by site staff as well as members, and users can submit their own tips directly through a link in the FreedomPointers gadget.
- Debt Diva Tips - Members will be able to view weekly money-saving tips (or browse archived tips) from CareOne Credit Counseling Services' Debt Diva.
All registered MyCareOne members can also view the latest posts in the CareOne blogs, debt relief news, and the most recent discussions happening in the Straight Talk community. Users will be able to easily add any future gadgets released by the company and they can manage newsletter subscriptions directly through the MyCareOne interface when logged in.
Customers of CareOne Credit Counseling Services' debt management plans can also access account information through their MyCareOne homepage including payment reminders, their debt management plan details, account information (which can be updated through MyCareOne), and more 24 hours a day, 7 days a week.
A video tour of MyCareOne's gadgets, financial tools, and other interactive features can be viewed online through the
About CareOne Credit Counseling Services
CareOne Credit Counseling Services is a service mark of 3C Incorporated. CareOne agencies are industry leaders committed to providing consumers with education and debt management services related to improving and maintaining their financial health. CareOne agencies have helped over 4.5 million people pay down debts through their solid relationships with over 220,000 creditors.
For more information about CareOne Credit Counseling Services, please visit
CareOne Credit Counseling Services
8930 Stanford Blvd.
Columbia, MD 21045
Phone: (410) 925-9769
Thousands of innocent staff will be made redundant if and when the Lloyds TSB and HBOS merger goes through.
Braintree, Essex (
With 140,000 employees between them, some commentators have suggested as many as 40,000 people may lose their job. This will create financial hardship for many of those being shown the door, while finding new employment is going to prove difficult in a stuttering economy.
British Insurance, the
Simon Burgess, managing director at British Insurance, commented: "Halifax has made a virtue of always offering its customers extra. Now it has run aground, what will it offer staff? By offering a policy to Howard we want to give him some valuable protection and show others that PPI insurance is affordable, despite the exorbitant rates charged by HBOS and Lloyds TSB."
If anything, the events of the last few weeks have shown how quickly major organisations can be brought to their knees, said Burgess.
"Halifax CEO Andy Hornby may end up with £2m worth of shares in the new business, but for thousands of employees they will be left without a job. Unfortunately it is too late to take out protection insurance once something happens and people need to have cover in place to make sure they can ride out any sudden and unexpected changes to their personal circumstances."
The irony is that Lloyds TSB and HBOS are among some of the worst offenders when it comes to overcharging customers for PPI. Having spent years profiting from these over priced policies, they are now going to make tens of thousands of staff redundant to boost the profitability of the new organisation.
Burgess commented: "As ever, it's the average employee who will suffer. In the past many people have been put off PPI because of the high premiums charged. However it is so important people realise that they can protect themselves at affordable rates so they can create a financial safety net for themselves and their families."
Cheltenham and Gloucester, the mortgage lender owned by Lloyds TSB, offers MPPI at a rate of £7.70 per £100 of cover, while Halifax charges £5.94. When British Insurance can offer the insurance for £2.40 per £100, Burgess said this clearly showed how badly they were overcharging.
"We need to show consumers that the only people always getting a little bit extra are the high street banks that over charge for their policies," said Burgess.
With low stock prices, buying a single share of stock in your favorite company makes sense and maybe even dollars. The new owners of FrameAStock.com have added new stocks such as Coach, Build-A-Bear, and Quiksilver to their list of popular companies of which gift-givers can purchase a single share of stock.
Cape Coral, FL (
The first change was to add desirable companies to the list of other stocks offered. Now, in addition to popular stocks such as Disney, Dreamworks, Harley-Davidson, Microsoft, Starbuck and McDonald's customers can give a single share of Coach, Build-A-Bear, Quiksilver and more. "With stock prices as low as they are right now, it's a good time to buy. People who are doing their Christmas shopping early will save, and the gift they give is likely to go up in value," says Rich Martin, Frame A Stock, Inc.'s Vice President.
An additional change was to increase customer service hours, "I hate it when I can't get a real person on the phone, so I want to make sure that doesn't happen to our customers," says Robinson, "We now have additional customer service reps answering the phone and we've increased our hours to 8:00 a.m. to 6:00 p.m. EST. Monday through Friday. When our new website is operational, those hours will expand to 10:00 p.m. and include Saturdays."
One thing that hasn't changed is the company's monthly drawing for a free share of stock. Each month, a name is randomly selected from visitors who sign up at
"Our next step is to make our new website go live," says Robinson. "We hope to have it operational by mid-October so Christmas shoppers can experience a more user-friendly online ordering process."
For more information about Frame A Stock, Inc., please visit