Website Reviews SmartLiving123

November 9, 2010

www.WellsFargo.com/Mortgage – Wells Fargo Home Mortgage Rates

Www.WellsFargo.com/Mortgage is the web page to check Wells Fargo home mortgage rates. No matter if you plan to buy a new house or refinance your current loan, you will find the relevant interest rates on the site.

How to check Wells Fargo home mortgage rates
Enter the following address in your web browser: https://www.wellsfargo.com/mortgage/. The interest rates for both new mortgage loans and for mortgage refinance loans offered by Wells Fargo can be found. Note that these different loans carry different interest rates, because they are for different purposes and carry different default rates.

When you arrive at the page mentioned above, you will see a red button located right on the middle left of the page and it says “Check Today’s Rates”. Click on it and you will be led to the page: https://www.wellsfargo.com/mortgage/rates/ where you will see a table with mortgage loan options, interest rate and APR listed. Note that this interest rate is for a refinancing of a single-family, primary residence. It is not the rate for a new home purchase.

To check the new purchase Wells Fargo home mortgage rates, you should use the Calculate Rates and Payments tool found on the right hand side of the WellsFargo mortgage page. Before getting the interest rate, you need to fill out a short form with required information. For loan purpose, choose “Purchase” if you plan to take a new loan, otherwise choose “Refinance”. You need to put in your home value and loan amount. You also need to select your property’s State and Country from drop down lists. Since all these factors will influence the interest rates, make sure that you enter the required information correctly and precisely. After that, click on the “get rates” button. And on the next page, you will see a table containing multiple common types of loans and their interest rates, APR and payment listed correspondingly. For instance, today’s 30 Year Fixed FHA home mortgage rate for a new home purchase in my region is 4.25%. Note that not all the mortgage loan options offered by Wells Fargo are listed on the site. If you want to learn the rates of their other loan types, you may need to contact them directly.

How to contact Wells Fargo mortgage customer service
There are several ways you can contact Wells Fargo mortgage customer service representatives. You can send an email to them by filling out the online contact form at https://mortgage.wellsfargo.com. You can call their toll free phone number: 1-877-937-9357. You can visit their local mortgage branch office in your area or request a local mortgage consultant to contact you at https://www.wfhm.com/locations/mpslocator.jsp.

Website: www.WellsFargo.com/mortgage

November 3, 2010

www.FAFSAonline.com – Download Free ebook: FAFSA Guide

Filed under: Education,Finance — Tags: , , , — Paul @ 8:56 am

Get FAFSA help and download the free ebook: FAFSA Guide at www.fafsaonline.com.

Students in the United States who want to get financial aid from institutions or state or federal governments for higher education may need to file the Free Application for Federal Student Aid (FAFSA). The FAFSA form should be submitted, updated and renewed annually. The student’s and his or her family’s financial information will be collected in the FAFSA application and it will be used to determine the student’s eligibility for financial aid. Only students with low EFC, or Expected Family Contribution, will be eligible for certain types of financial aid such as Pell Grant. When preparing a FAFSA, students can file it online at the US Department of Education’s website: http://www.fafsa.ed.gov/ , mail the completed form to them or ask a fee-based professional to prepare it for them.

Www.fafsaonline.com, a website providing student loan services, is owned and operated by Edvisors Network, Inc., an online education company located in Quincy, MA.

On http://www.fafsaonline.com, people can find useful information about student loans, education loans, scholarships and FAFSA application. It will tell you how to check FAFSA deadlines and your FAFSA pin online, how to renew your FAFSA and so on. This FAFSAOnline site is also offering an ebook: FAFSA Guide for free download. If you need step-by-step FAFSA help, you may read it. Here is the link: http://www.fafsaonline.com/fafsa-guide-ebook.php.

This site is a BBB accredited business with an A+ rating. Students who want to learn fafsaonline.com scams or reviews may want to read the FAFSAOnline report at the BBB site.

Check out www.fafssaonline.com and download the free ebook: FAFSA Guide to learn the details on how to prepare your Free Application for Federal Student Aid.

October 21, 2010

www.Mortgage101.com | Find the Best Home Loan Mortgage Rate

Filed under: Finance — Tags: , , , , — Paul @ 7:52 pm

Check out www.mortgage101.com to find the best home loan mortgage rate.

Www.mortgage101.com is a web site specially designed for home shoppers who need a home loan. Purchasing a house may be the biggest investment or expense in your life. Most people cannot afford a house without a mortgage loan. But applying loans is not a pleasant experience for most people, especially first-time homeowners.

Before applying for a loan, you need to do your homework to learn some basic knowledge about mortgage loans. For instance, you may want to know how many types of loans are available on the market, what are the current mortgage rates, which lenders you should use and how large a loan you can afford. If you don’t have a good credit score, you may also want to learn to how to apply for a mortgage successfully for people with bad credits. Basically, the idea is that the more research work you do, the easier you get your ideal mortgage loan and the more money you are going to save. If you want to pay off your mortgage earlier, you should be fully prepaired before your purchase.

At http://www.mortgage101.com, you can check current mortgage rates, find a lender directory and use their mortgage calculators to plan your budget. In their research and learn section, you can find the answers to many common questions regarding home mortgage loan applications such as what are typical mortgage down payments, when do you want to refinance your home loan amd how to get an FHA loan application approved for people with bad credit. After all the study and research, you can apply for a loan or get a mortgage quote on the site.

To search the current home loan mortgage rate, you need to define several criteria including loan purposes, your residential state, loan type, loan points and loan amount, since all these factors can influence your final rate. There are two types of loan you can choose from: refinance and home equity. If you want to lower your interest rate and refinance your mortgage, then choose the first choice. Otherwise go with the second choice. Multiple types of home loans are available varying with different categories and terms. For instance, the commonly-seen home loan types include Fixed rate, adjustable rates, FHA and VA. And popular loan terms include 30 years, 20 years, 15 years and so on. You also need to let them know which state you are living in since there are regional variations in local mortgage rates. In some regions people can get the interest rate better than the national average rate.

So you are shopping for home loans or are considering whether to refinance your mortgage, one web site can help you finding the best mortgage rate is www.mortgage101.com.

October 19, 2010

October 17, 2010

www.lendingtree.com – LendingTree Mortgage Refinance Loans

Check out www.lendingtree.com for LendingTree mortgage refinance loans information.

Www.lendingtree.com is a popular web site providing multiple lines of financial information about mortgage, mortgage refinance loans, home equity loans and more. This website is operated by LendingTree LLC. and it is a BBB accredited business with an A+ rating. If you are considering requesting for home loans or refinancing mortgage loans on this site, and want to find LendingTree reviews or LendingTree complaints online, the BBB website is a good place to visit.

Recently more people are considering whether to refinance their mortgage home loans. The main reason is that they want to lower their interest rate. Today, the nationwide average 30 year fixed rate mortgage loan interest rate is only 4.25% which is pretty low compared to the last several years. Actually, lowering the interest rate is not the only benefit from mortgage loan refinancing. By refinancing mortgages, homeowners can consolidate debt, get cash from their home equity loans and switch to a fixed-rate loan with stable monthly payments. But one important question is when you should refinance your mortgage? As you may know, timing is very important in all investment activities. To make a smart move, you need to check the current mortgage options, compare mortgage interest rates and do a careful refinancing calculation. Www.lendingtree.com provides all the financial tools needed for homeowners to get these things done. For instance, you can use Lending Tree mortgage checkup to view current home loans and loan rates and mortgage refinance calculator to estimate your future payment.

To fully enjoy the financial services provided by Lending Tree, you may need to create an account on their site. In your account, you can keep track of all your loan request activities. If you have any questions, you can reach LendingTree customer care by email or call their toll free number 1-888-272-1355 for help.

To learn more about LendingTree mortgage refinance loans, visit http://www.lendingtree.com/mortgage-refinance/.

September 1, 2010

www.arkansas.gov/esd – Arkansas Unemployment Insurance Benefits Claim

Filed under: Finance — Tags: , , , — Paul @ 3:26 am

If you live in Arkansas and need to claim unemployment benefits, the website you should visit is www.arkansas.gov/esd. This website is the website for the Arkansas Department of Workforce Services.

The Arkansas Department of Workforce Services maintains the state records on unemployment insurance, so that the state can keep track of who is receiving unemployment checks and for how long. This is important because you can only collect unemployment benefits for a maximum of 26 weeks, although recent changes in law may now allow an extension of up to 20 additional weeks.
Furthermore, in order to collect unemployment checks, you have to demonstrate that you have been involuntarily fired (i.e. did not quit the job by choice), and that you are actively looking for a new job or attending approved schooling and training. This means that you may have to report your job search or training efforts and contacts on a weekly basis in order to continue your eligibility for unemployment benefits.

Lastly, the Department of Workforce Services also needs to have paperwork documenting your last drawn salary in order to calculate the amount of benefits to which you are entitled.

Because the process of applying for unemployment benefits complex and can be confusing, the Department has also created a centralized online site where you can access all the information regarding unemployment claims. You can access this site by clicking on the “Unemployment Services” section off the main page, and then on the “Claim Help” section. The very first document you should is the “UI Handbook”, which is a collection of very important information about the unemployment insurance program, including who is eligible and for how long. The first few pages also have a list of the addresses and phone numbers of the Department of Workforce Services local offices. This list is essential if you prefer to talk to a live person with you questions instead of slogging through a thick stack of information.

So if you are an Arkansas resident who needs help in claiming unemployment benefits, http://www.arkansas.gov/esd is one of the most important sites to visit.

August 26, 2010

www.aacefcu.org – Anne Arundel County Federal Credit Union Internet Banking

Filed under: Finance — Tags: — Paul @ 1:11 pm

The official website of the Anne Arundel County Federal Credit Union is http://www.aacefcu.org/.

Credit unions are banks that are organized as cooperatives, that is, owned by the members who use the bank. Many credit unions offer better terms to their members for both deposits and loans, and credit unions often have a community development mission as well as serving their members. Most credit unions are operated by public or non-profit organizations, such as universities and governmental bodies.

The Anne Arundel County Federal Credit Union is a credit union owned by the Anne Arundel County government employees. It has only 2 physical branches, one along Riva Road, and another in Millersville. Because of the limited number of branches, it is frequently more convenient for members to do their banking over the internet.

At www.aacefcu.org, you can perform many common banking tasks, such as checking your account balance and your monthly statements, as well as transferring funds among your AACE FCU accounts or to external accounts. You can also pay your bills online, or request a loan. So, for all your AACE FCU banking needs, remember to visit www.aacefcu.org.

August 6, 2010

www.njuifile.net – File an Unemployment Benefits Claim in New Jersey

Filed under: Finance — Tags: , , , — Paul @ 8:31 pm

To find out about and collect New Jersey unemployment compensation, you need to visit the NJ unemployment website at www.njuifile.net.

Unemployment insurance is an important component of the US economy. It aims to provide cash to the temporarily unemployed to tide them over until they find new work. In doing so, it helps to sustain demand in economic recessions, and prevents more people from being laid off. You are eligible for unemployment benefits if you have been involuntarily laid off recently, and are currently looking for new work, and can provide documentation proving both of the above conditions. During the application process, you will be provided with a list of acceptable documentation that can be used to satisfy the requirements.

How to apply for NJ unemployment insurance benefits

To begin your application for New Jersey unemployment insurance, go on over to www.njuifile.net, and click on “File an Unemployment Claim”. This website is run by the New Jersey Department of Labor and Workforce Development, and administers unemployment benefits for all residents of New Jersey. You will be asked to give your Unemployment Benefits Online ID and Password to continue, and if this is your first time filing unemployment claims, it is unlikely that you’ll have one. Just click on “No” and you’ll be directed to a website where you can fill in your information to apply for an Online ID and Password with the Department of Labor and Workforce Development. Among the information required is your legal name, social security number, email, and telephone number. You can then choose your own Online ID and Password. Once you have these you can log onto the website and begin filling out your initial unemployment claim. Once you have finished the application, you’ll be asked to provide a bank account or a mailing address for the receipt of payment either through direct deposit or by check. After you have completed your initial unemployment claim, you still need to fill out a brief Weekly Continued Claim to continue getting your benefits, which you can do at the same website www.njuifile.net.

August 5, 2010

August 4, 2010

Www.sunlife.ca – Sun Life Financial Canada – Life Insurance

Filed under: Finance — Tags: , — Paul @ 5:44 pm

Visit http://www.sunlife.ca to find life insurance, financial plans, group benefits and other products offered by Sun Life Financial Canada.

This web site is brought to you by Sun Life Assurance Company of Canada. This site is available both in English and French version and designed particularly for Sun Life Financial Canadian customers. If you are not from Canada, you may want to visit http://www.sunlife.com, the Sun Life Financial global site to find related information in your region.

Information available at http://www.sunlife.ca

You can view financial products and services available at Sun Life Financial Canada such as life insurance, health insurance, investments, group benefits, group retirement services and so on at this site. The company serves both individual investors and business customers.

If you are an existing customer of the company, you can view your plan, check your claim and manage your account online at www.sunlife.ca. Before accessing your information, you need to sign in your account at http://www.sunlife.ca/member, the Sun Life Financial plan member account login page. If you prefer to access this page in French, you can use this link: http://www.sunlife.ca/participant. Your access ID and password are required during the sign in process.

If you are an insurance shopper, you may also benefit from a brief tour of this website. For instance you can find practical financial tools and calculators to help you figure out how much coverage you need to protect yourself and your family.

This web site has 4 sections designed for different people including For Individuals, For Plan Members, For Plan Sponsors and For Advisors. Make sure you browse the site in the correct section according to your status.

Here are several similar websites where you can find insurance and group benefits offers for Canadians.
1. http://www.manulife.ca, the website for Manulife Financial Canada which also provides group benefits, insurance, investments and banking products and services in Canada.
2. http://www.canadalife.com, the official website of Canada Life, a company offering insurance and wealth management services in Canada.
3. http://www.standardlife.ca, the official site of Standard Life Canada, a company providing insurance and group benefits products and services for Canadians.

In conclusion, www.sunlife.ca is the website offered by Sun Life Financial Canada to their current and potential customers who need their health insurance, life insurance, investments, retirement planning, group benefits, group retirement services and other financial products and services.

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