Personal Insurance -Vehicle

Purchases qualify for how much credit is complicated, though.In most cases, taxpayers must rely on manufacturers to certify that theirproducts meet the energy-saving standards that qualify them for the credit.Time is a factor in determining the credits, as well. Many types of homeenergy-saving improvements only qualify for the credits during 2006 and 2007.A hybrid car qualifies for a full credit only until the manufacturer has sold60,000 qualifying vehicles -- then the credit phases out. On October 1, thecredits for Toyota Prius, Highlander and Camry hybrids plus the Lexus hybridwere cut in half.

Vehicle Insurers

Personal Insurance - Home-Equity loan

However, before you call one of those phone numbers broadcast on late-night television promising to help you wipe out credit card debts. Often they're pitching a home-equity loan that you would use to pay off the credit card debt, which carries an annual interest rate of around 20 percent, with tax-deductible home-equity debt at close to the prime rate, recently 8.25 percent. That can be a sound money-management practice, but with one big drawback: You're putting your home at risk to pay off what had been unsecured credit card debt. If you fall behind on the home-equity loan, you could lose your home to foreclosure. Credit counselors sometimes will recommend the strategy, but they warn that it's dangerous unless the consumer has revamped the household budget to bring down spending and forswears running up the credit card balances again.

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Credit Insurance

Personal Home Owners Insurance

Sales Finance, based in Kettering, Ohio, is part of GE Money, formerly GE Consumer Finance. The company provides private label credit card programs, marketing, installment lending and financial services for national and regional retailers in more than 20 industries including powersports, sporting goods, home improvement, outdoor power equipment, automotive, recreational vehicles, marine, consumer electronics and appliances, furniture, floor coverings, music jewelry and health care. With $163 billion in assets, GE Money, a unit of General Electric Company (NYSE: GE), is a leading provider of credit services to consumers, retailers and auto dealers in approximately 50 countries around the world. GE Money, based in Stamford, Connecticut, offers a range of financial products including credit cards, personal loans, bank cards, auto loans and leases, mortgages, corporate travel and purchasing cards, debt consolidation and home equity loans and credit insurance.

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Personal Financial services