Website Reviews SmartLiving123

December 24, 2010

Myhome.BankofAmerica.com – Bank of America Home loans

Filed under: Money & Investing — Tags: , , , , — Paul @ 2:25 am

Find Bank of America home loans information at http://myhome.bankofamerica.com.

This is a web site to visit for people who are considering taking a home loan from Bank of America (BOA). BOA specifically set up this sub-domain for first-time home buyers who need home loans to finance their new homes. If you plan to shop for a new house or for a new mortgage loan, you may want to stop by at this web page.

The information provided at this website will help you figure out whether it is a right financial decision for you to own a house and how much home mortgage loan you can afford based on your current savings and income. There is also a very educational tutorial on the site which can give you an overview of the home buying and loan purchasing process and help you understand how it works. If you are first-time home shopper and have no idea about how the home buying process works, this tutorial is highly recommended. It is a very basic guide, but very easy to understand. For instance, if you are considering whether you should rent or own a house, your decision should depend not only on your financial status, but also on whether you need to move frequently. If you are a frequent mover because of your work or study, it may not be wise to own a house since you may have to spend a lot of time, energy and money in the house buying and selling process. In this case, you may want to consider renting instead of buying.

Many people are proud of themselves because they are home owners. But when shopping for a house, it is not only about finding your dream home but also about buying it at affordable price particularly when financing your new home with a mortgage loan. When setting the budget for your house purchase, you should consider both monthly mortgage expenses and other payments associated with your house such as home insurance, maintenance fees and property tax. When shopping for your mortgage loans, you should understand how to lower your interest rate by improving your credit score and increasing your down payment percentage. These days there are many types of home loans available on the market. So you need to do a thorough research on them so that you can choose the right home loan from a trusted lender. To make sure that there is nothing wrong with your loan contract, you should also be familiar with the loan process and terminology.

To learn more on Bank of America home loans or check the current BOA mortgage rates, please check out http://myhome.bankofamerica.com.

November 24, 2010

www.bankofamerica.com/onlinebanking – BOA Online Banking

Filed under: Money & Investing — Tags: , , , , — Paul @ 2:07 am

To access the BOA Online Banking website, surf over to www.bankofamerica.com/onlinebanking.

The first time that you browse to www.bankofamerica.com/onlinebanking, you will be required to choose your state of domicile. The website to which you will be directed differs slightly based on your state choice. Once you are on the BOA Online Banking site, there are many things you can do. If this is your first visit to the site, the first thing to do would be to enroll your Bank of America account so that you can access all the online banking services. You can enroll a variety of BOA accounts, including checking, credit card, mortgage and vehicle loan accounts. To enroll, you need to provide your account number, the last 4 digits of your Social Security Number, and your email address. To complete the enrollment, you also need to consent to the Service Agreement, and the Electronic Communications Disclosure by checking a couple of check boxes. Once completing the enrollment, you will then be able to access the various services available to you on the Bank of America Online Banking website.

A basic task that you are able to perform through online banking is to check your account balance, and view the past 12 months of transaction activity, as well as any pending transactions. You can also download up to 18 months of monthly statements as pdf files for your records. The site also allows you to set up banking email alerts so that you are on top of all account changes. For example, you can have your daily checking account balance emailed to you, so that you will not overdraft your account. You can also ask the system to email you an alert if there is an abnormally large transaction, or when an important check clears.

In addition to receiving information about your account, you are also able to initiate transactions at the Online Banking web site. You can make immediate transfers between your various Bank of America accounts. For example, you can transfer money from your BOA checking to your BOA mortgage account immediately to pay your monthly mortgage. You can also set up transfers to other banks and financial institutions. However, these transfers are made from the ACH network, and may take 2-3 days to clear, unlike internal BOA transfers which clear immediately. Lastly, you can also pay your bills through the site. You will need your paper bill so that you can enter your account number and Pay To account information to set up online bill pay.

And finally, the best thing about using the BOA Online Banking site is that Bank of America offers an Online Banking Security Guarantee, which guarantees that you incur no liability from any unauthorized transaction arising from the Online Banking web site, including the Bill Payment service. This guarantee is contingent upon your following certain common-sense precautions, such as safeguarding your login and password, reviewing your monthly statements, and not leaving a computer unattended in the middle of an Online Banking session. So if you are interested in the BOA Online Banking website, go on over to http://www.bankofamerica.com/onlinebanking.

October 31, 2010

www.Clayton.net – Clayton Homes Floor Plans

Filed under: Home Improvement,Money & Investing — Tags: , , , — Paul @ 1:23 pm

View Clayton Homes floor plans on www.clayton.net.

If you are shopping for your new home and looking for Clayton Homes floor plans, www.clayton.net is a good place to go to on the web. Www.clayton.net is the link which can be used to access the official web site of Clayton Homes: http://www.claytonhomes.com. When typing in the first hyper link into your browser, you will be automatically redirected to their site with the current link shown.

Clayton Homes, Inc. is an American company which builds, sells and leases homes throughout the US. This company also provides home mortgage finance and insurance services. Clayton Homes, Inc. is headquartered in Maryville, Tennessee and they have more than one thousand home centers scattered in many US states. You may not be familiar with the brand name Clayton Homes, but you may have heard of other modular and manufactured home brands owned by this company such as Schult Homes, Karsten Homes, SEhomes and several other more. The company has a long history in the home building industry and it was founded in 1934. Right now it is owned by Berkshire-Hathaway, Inc, Warren Buffet’s company. The acquisition happened in 2003.

Clayton Homes, Inc. has been a BBB accredited business since 1974. Its BBB’s rating is A+. If you want to read Clayton Homes reviews or want to find Clayton Homes complaints, the BBB website is a good place to take a look at.

On www.clayton.net or www.claytonhomes.com, visitors can search their database to find their new dream homes. The home search can be started with location, size and price. If you enter additional criteria, the search results can be refined. On the search result page, you can see the options of floor plans, size, dimensions and number of beds and baths. Similarly, if you want to contact a local home center in your area, you can also find its location and contact information by searching on the site. This website also has a photo gallery section where visitors can browse through the images of their manufactured and modular homes. For shoppers who need home mortgage loans or insurance, the financial services information provided on the site might be useful. If you have any questions or concern about their products or services, you can contact Clayton Homes customer service department for assistance by calling 1-800-822-0633 or using the online contact form. If you leave a message with your name and contact information, their customer service representative will contact you within a day.

So if you are interested in Clayton Homes modular and manufactured homes and want to see Claytone Homes floor plans, www.clayton.net or www.claytonhomes.com might be the right site for you.

October 16, 2010

www.mychasebonus.com/amazon4EM1 – Chase Amazon Rewards Credit Card Bonus Point Offer

Filed under: Money & Investing,Shopping — Tags: , , , , — Paul @ 10:28 am

Www.mychasebonus.com/amazon4EM1 is a web page specially established for Chase Amazon Rewards credit cardholders to enroll in the 2010 Chase/Amazon.com rewards card bonus point program. This promotional offer is good from Oct. 1, 2010 to Dec. 31, 2010. It aims to encourage people to use their Chase Amazon.com credit cards for their 2010 holiday season shopping.
These days more people prefer to pay their bills with credit cards. There are many benefits in doing so. A significant benefit is the possibility of earning rewards on your card for your purchases. Usually the more money you spend on the card, the more rewards you can earn. These rewards come in different forms, such as hotel stays, airline miles, merchant gift cards, gasoline discounts and even cash. The rewards ratio varies and usually falls in the range of 1-5% of the total money spent. 1% rewards may not sound much, but over the long run it can help you save a lot ofmoney. For instance, if you spend $30,000 annually on your rewards credit card which gives you 1% cashbacks, you can get $300 back. How does it sound? Actually 1% is only the minimum ratio for certain rewards credit cards. For instance, the Amazon.com rewards credit card issued by J.P. Morgan Chase bank allows you to earn 3 points for Amazon.com, 2 points for Gas, drugstore and dining, and 1 point for other purchases, which equals to 3%, 2% and 1% rewards ratio respectively since you can redeem 2500 points for a $25 Amazon.com gift card. The rewards points can not only be used for Amazon.com gift cards redemption, but also other merchants gift cards, cash and merchandise prizes.

If you are a frequent shopper at www.amazon.com, you may want to check out the Chase Amazon Visa credit card at www.chase.com/amazon or talk to their representative by calling the toll free number 1-888-247-480. Either way can help you learn more information about the Amazon.com rewards card. Currently, if you apply this card from www.amazon.com, you can earn $30 as a sign up bonus once your application is approved. In addition, Amazon.com is now running an Amazon gift card shopping offer where you can earn 5% rewards for purchasing qualifying Amazon gift cards with your Chase Amazon Rewards card. This offer ends on Oct. 31, 2010.

If you are an existing user of the Chase Amazon.com Rewards card and you want to know how to earn rewards points faster, you should not miss this 2010 Chase Amazon.com Rewards credit card bonus point offer. After enrolling in this offer, you will earn 1 more additional rewards point for each dollar you spend. This means that you will earn at least 2% shopping rewards for using this card and earn 4% rewards for your qualified Amazon.com purchase. In order to be eligible for these offers, you have to spend more than $600 during the promotional period between 10/1/2010 and 12/31/2010, and the maximum bonus rewards points you can get is 10,000.

How to enroll to receive bonus points for your Chase Amazon.com rewards credit card purchase?
Visit the web address: www.mychasebonus.com/amazon4EM1, as it is shown in the offer email sent to you by Chase. Or you can click the link in the email directly.

When you visit www.mychasebonus.com/amazon4EM1, you may be asked for the enrollment code which can be found in the offer email or mail. Key in your unique enrollment code into the box and click the button “Enroll Now”. Then you are done. If you visit the site via the link in the email, you don’t even need to enter any code specifically since the enrollment is automatic.

So get the enrollment process done as soon as possible at www.mychasebonus.com/amazon4EM1 and you are on your way to earn more rewards points faster with your Chase Amazon.com rewards credit card purchase.

August 5, 2010

August 3, 2010

Www.mycapitalonecard.com – Apply for Capital One Credit Cards Online

Filed under: Finance,Money & Investing — Tags: , — Paul @ 9:06 pm

Apply for Capital One credit cards online at www.mycapitalonecard.com.

Www.mycapitalonecard.com is brought to you by the Capital One family of companies. At this web site, you can file a Capital One credit card application online.

Capital One is one of the major credit card issuers in the United States. There are multiple types of credit cards offered by Capital One nowadays such as Venture Rewards, VentureOne Rewards, No Hassle Cash Rewards, Capital One Platinum Prestige, Orbitz Visa Platinum, MTV Visa, Student Rewards and many other credit cards. If you are interested in learning additional information about credit cards offered by Capital One, you should visit http://www.capitalone.com/creditcards/ where you can compare multiple CapitalOne credit cards side by side.

Www.mycapitalonecard.com is the web site for people who want to take the CaptialOne special offer to apply for a CapitalOne credit card online. From time to time, CapitalOne sends out credit card promotional offers by mail. For instance, offers like 0% balance transfer and promotional low APR within limited time  are commonly seen. People who have received these application invitation letters and want to response to these attractive offers will go to this website to file an application.

How to response to the CapitalOne credit card offer and apply for a Capital One credit card at www.mycapitalonecard.com

1. You need to visit www.mycapitalonecard.com. This web address is shown on your offer letter.

2. To take the offer, you need to key in the 16 digits reservation number and the 6 digits Access code at the site. Both series of numbers can be found on the Capital One invitation letter you received in the mail.

3. Then you need to spend several minutes to finish a credit card application form with your information. Some of your sensitive information may be asked during the application. Www.mycapitalonecard.com claims that their website comes with security features which will protect your personal information. To give yourself a peaceful mind, you should take a look of their security features before handing in your info.

4. If you have questions about your application, you should contact the CapitalOne credit card customer service or visit the Frequently Asked Question (FAQ) section at their website. In the FAQ section, you can find answers to many questions such as how to find out the status of your Capital One credit card application, how to manage your CapitalOne credit card account online, how to pay your creditcard bill automatically, what is your credit line and so on.

If you want to help Capital One to serve you better in the future, you can comment on their products and service by leaving a customer feedback. The feedback link is available on the top right hand of the http://www.mycapitalonecard.com webpage.

To take the CapitalOne credit card offer and to file a Capital One credit card application online, please visit www.mycapitalonecard.com to learn the details.

dir.alabama.gov/uc/iccs/- Alabama Unemployment Benefits Claim

Filed under: Finance,Money & Investing — Tags: , , , — Paul @ 6:22 pm

If you want to find out about Alabama unemployment benefits, go on over to https://dir.alabama.gov/uc/iccs/.

Unemployment benefits are a safety net of the US economy, meant to provide temporarily unemployed workers with cash to tide them over while they look for work. The benefits are funded by an unemployment insurance tax levied on all businesses. Generally, the unemployment insurance program is considered an important counter-cyclical force in the economy, helping to buttress demand in recessions and depressions.

To apply for unemployment benefits, a person must demonstrate that he or she has just involuntarily lost his or her job (i.e. not a voluntary resignation), and that he or she is currently looking for work. Unfortunately, unemployment claims are administered on the state level and details differ greatly from state to state, so it is important to check with the appropriate state agency for your state.

In Alabama, the Department of Industrial Relations is in charge of processing unemployment claims (UC). At the Department of Industrial Relations website https://dir.alabama.gov/uc/iccs/, you can make an initial claim for unemployment insurance, file your weekly claim certification, update your contact information and your receipt of payment method, as well as view your Form 1099-G tax documents.

While unemployment compensation usually lasts only for 26 weeks, in these difficult economic times, the duration of these benefits has been extended. Just a few days ago, Obama signed into law a one-time emergency six month extension of emergency benefits. So, even if you have previously applied for unemployment benefits and believe that your benefits are exhausted, you may be able to apply for an extension at the same website. Even if you have exhausted all regular state and federal emergency unemployment compensation, there is a program called the High Unemployment Extended benefits Compensation program that may provide you with an additional 20 weeks of benefits.

So, if you want to file an AL unemployment claim, or an extension to existing unemployment benefits, go on over to https://dir.alabama.gov/uc/iccs/, the Alabama unemployment insurance benefits claim site.

July 22, 2010

June 28, 2010

www.frostbank.com | Frost Bank Locations

Filed under: Finance,Money & Investing — Tags: — Paul @ 10:30 pm

Find Frost Bank locations at www.frostbank.com

Check out the Frost Bank Online Banking site to find a FrostBank branch in your area.  www.frostbank.com is the official website of Frost National Bank, which is based in Texas, US, and has branches only in the state of Texas. The bank was founded in 1868 in San Antonio. They have more than 100 local branches in several Texas cities such as Austin, Houston and Dallas. If you live in Texas, there may be a FrostBank local branch office in your neighborhood. The bank offers many standard banking products, such as savings and checking deposit accounts, and home mortgages and small business loans. They also offer loans for high net worth individuals, such as a personal line of credit, secured on stock or annuities.

How to find a FrostBank location

To search the bank’s branch locations, use the branch locator at the website above. You can search with the city’s name or the address. If you are interested in find a FrostBank location close to where you live, follow the link listed below to see how to search Frost Bank locations using the Frost bank locator at www.frostbank.com.

June 24, 2010

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