Author Archives: Jason – US Bank Student Loans

To apply for student loans from US Bank, visit

US Bank is a division of USBancorp, a large financial services company based in Minneapolis, Minnesota. USBank is the retail banking arm of USBancorp, serving the financial needs of individual customers. US Bank is the sixth largest bank in the US based on deposit base, and has more than 3000 branch offices located in over 24 states in the United States of America. Through these branches, US Bank offers a variety of financial services to its customers, including offering standard savings and checking deposit accounts, mortgages, credit and debit cards, home equity loans, auto loans, personal lines of credit, and student loans. These products are also offered through the US Bank official website, located at To learn about student loans from US Bank, this site should be the first site you visit.

If you are thinking about going to college, and are wondering about getting a student loan for your expenses, you should start by estimating your financial needs. These include tuition, room and board, miscellaneous educational expenses for textbooks and laptops, and campus transportation and parking. The next step is to find out whether the university or college you are interested in attending is willing to offer you any grants or scholarships that will defray the cost of tuition. Also consider whether your parents have any college savings intended for you. And finally, you should always fill out and submit a free Federal Application for Student Financial Aid (FAFSA) form, which is available at This form is a combined application for the various grants, low-interest loans, and work-study programs available from the federal government, including Pell grants, Stafford loans, Plus loans and Perkin loans. The application process is simple. Simply fill in the form, and wait 3-5 days for the Student Aid Report (SAR), which will summarize all the federal aid that you can expect. Once you have all the above-mentioned information on hand, you will know how much is the funding gap you face that you may have to cover with a private student loan.

USBank offers a fast no-fee student loan. Individual student borrowers can borrow up to $50000, while borrowers with co-signers can borrow an additional $75000. The loan is credit-based and not need based, and the interest rate that you obtain is entirely dependent on your credit score and your co-signer’s credit score. As part of the application process, USBank will inquire about your career plans after your education, and determine the average salary of your career choice based on statistics from the US Bureau of Labor Statistics. You will be given 10 years after graduation to repay the student loan, and your loan payments should not exceed 8-10% of your expected salary.

For more information about private student loans from USBank, visit – BOA Home Mortgage Loan Refinancing – BOA Home Mortgage Loan Refinancing is the web address for the online site at which buyers can find out the details about mortgage loans available at BOA. BOA stands for Bank of America which is a FDIC member and among the top 5 commercial banks in the USA.

At this web site, internet users can examine BOA home loan products and find the best one to fit their needs. This site is not only in English but also in Spanish. But the English is the site’s default language. If you prefer to read it in Spanish, you have to change the language settings.

BOA provides home loan information for both new home shoppers and home owners. No matter if you want to get a new home mortgage loan or refinance your current mortgage loan, you will find this web page useful. For instance, if you need some cash for other expenses or want to switch to a mortgage with a fixed interest rate, you may need the mortgage refinancing service and you should take a look at the “Refinance your home” section on the page. If you are shopping for a new home, the information in the “buy a home” section is for you. If you need the equity in your home to pay your kid’s college bill, then check the “use the equity in your home” link.

Internet visitors can also check Bank of America mortgage rates on this web page in the “view current rates and calculate payments” section. When checking the current mortgage rates, visitors need to define the mortgage loan type and the state they are living in. For instance, if you are from the state of Michigan and want to purchase a new mortgage, today’s 30 year fixed rate is 4.375%. On the lower right of the page, visitors can also find links for tools which can be used to calculate loan payments. One is for “buying a new home” and the other is for “mortgage loan refinancing”.

In conclusion, is really a useful web site for shoppers who would like to learn more information on BOA mortgage refinancing and new home loan options. – Artpad ART Gallery – Draw Online For FREE

Need a place to draw online for free? Visit, and also get inspired by other people’s work displayed in the artpad art gallery. is the web address for the artpad service offered on If you have shopped for art prints on the internet, you may have heard of It is one of the most popular online stores selling home décor and art stuff. This store is operated by, inc. which is also the parent company of, another online store where you can purchase posters and/or artworks.

If you have never used the artpad service or have never been to before, you may want to know what it is and how to use it. Artpad is a digital canvas where internet users can create their own drawings or paintings on the internet. The artpad service is designed for internet users aged 18 years or older. It is not a free online drawing game for kids. If you are a parent who wants to find an online drawing game or some place for your kids to draw online for free, you should look somewhere else since the artpad site is not suitable for your purposes.

When visiting, all users should read and agree to their privacy policy and terms of use before using the artpad service. Even though it is free to access the artpad service, it comes with terms and conditions which can be found at If you have concerns, you can contact them by writing an email to or by dialing their toll free number: 1-800-951-5592.

After typing the url: into your web browser, you will directly arrive at the artpad art gallery page where you will view an animation about how to draw an art work step by step. You can control and adjust the replay speed or skip the animation to see the finished drawing directly. To view all available masterpieces in the art gallery, you simply click on the “view another” link. If you would like to create your own digital art masterpiece, you should use the “paint your own” function. In the “paint your own” mode, you will be given an empty canvas and a painting brush. You can use these tools to start to express yourself in painting. To draw better, you may want to adjust the paint brush size, pick different colors, choose between brush and bucket painting modes and employ more colors by adjusting the opacity. If you are done with your drawing, you can select a frame for your art work and use the “hang in gallery” function to see how it looking when your work is displayed in a gallery. If you are not familiar with their painting tools, please read the tips section to find detailed help. For your convenience, this site allows you to print out your work, save your work, or send it to your friend via email.

The artpad online application is still in beta. This might be the reason that it showed some error messages when I tried to access the “paint your own” and “add to this painting” functions. However, despite the error messages, I could still use those functions to draw without any problems.

If you need an internet site where you can draw online for free, you should give the artpad web site a try. Here is the link: – Deviantart Windows 7 Themes Download for FREE

For free Windows 7 Themes, go to to view thousands of professional art work produced by artists. is the URL for the browsing images on DeviantART is an online community that showcases the art work of its many artist members. This Deviant ART website was established in 2000, and is headquartered in Los Angeles, California. It has millions of artist members, and every day, thousands of art images are uploaded to the site. DeviantART is a place where artists can view and comment on each other’s art works, and learn from each other. It has an especially active forum, where members can trade tips with each other. The membership is biased towards digital artists, and it is a good place to learn about the latest in digital tools and software for artists, such as CorelDraw, Photoshop, and graphics tablets. Membership is free, and requires only an email address to sign up. Once you are registered, you can create a personal profile, and also begin to upload original artwork that you have created yourself. If you are an artist, is a good place where you can showcase your art work to a large audience, and receive comments and suggestions. You can also sell your art work as a print or a poster through the DeviantART store. With the exposure you receive on deviant Art, you may also land a commissioned art gigs from people who admire your work on the site.

Even if you are not an artist, you can benefit from visiting DeviantART. Most of the art pieces are uploaded on licenses which allow free non-commercial use of the work. For example, you can browse the millions of photographs and drawings on the site to obtain the perfect image for your computer desktop. Some artists have also created entire color themes to go along with the wallpaper images. The easiest way to look for Windows 7 themes is to go to, and then type Windows 7 into the search box. There are thousands of themes available for your viewing pleasure. Note that the art work on is free only for non-commercial use. If you intend to use the images on websites, advertisements or flyers, a commercial license from the artist should be purchased. Most of the images are also digitally watermarked to prevent unauthorized use. If there is a particular artist whose work you admire or appreciate, you can also support him or her by buying prints and posters of his or her artwork from the DeviantART store. There are also printed T-shirts and mugs available from the store.

To get free Windows 7 themes, visit to view thousands of possible choices. – Easy Crocheting Patterns for Beginners |Annie’s Attic

Find easy crocheting patterns for beginners on, the Annie’s Attic online store. is an on-line store where consumers can shop for tons of craft patterns including crochet patterns, knitting patterns and many more. This website is owned by Annie’s Attic, LLC, a company located in Berne, in the state of Indiana. This US-based company has been selling needlecraft pattern since 1975. In the past 35 years, the classic and innovative crocheting patterns designed by Annie’s Attic were widely used by crochet enthusiasts. And now you can buy them online at the AnniesAttic site.

Crochet patterns come with different difficulty levels. Some complicated ones may only be suitable for experts. If you just begin to learn crocheting or you don’t have much experience in crocheting, you should start with easy crochet patterns.
Finding the right patterns for your crochet projects on is easy, which makes your shopping at this site a pleasant experience. Because this store also sells other products for other projects such as knitting, beading, card making, paper crafts and so on, make sure that you browse the patterns in the “crochet” section. Even in the “crochet” section, there are several categories including Afghans, Annie’s Bed Doll Society, For the Home, Doilies and many more. If you are shopping for crocheting patterns for beginners, you should look into the category named “Quick and Easy Projects”. All patterns found in this section are for beginners. When browsing the crocheting patterns, you will find that they are labeled with the words “skill level: EASY”. Even though these patterns are for crochet beginners, it doesn’t mean that they are lacking in quality. Many of them could make a perfect gift. For instance, one item I like in this section is the “Flower Power T-Shirt Dress and Purse Pattern”.

One thing that makes me like shopping crochet patterns on is that their patterns can be electronically downloaded as PDF file right after the payment is completed. With this instant downloading feature, you can save money on shipping fees and you don’t need to wait for your ordered products to be delivered and worry that they will be lost in the mailing process. It is really a really great way to save time and money. And you can start your crocheting project right away once you have decided which pattern you are going to use.

Next time when looking for an easy crochet pattern for beginners, you may want to pay a quick visit to the Annie’s Attic website at – WhattheFont – Font Finder by Image

Check out the Whatthefont, a font finder by image tool provided at is an online market place for people to trade fonts. This site is owned and operated by Bitstream, Inc., a US-based company with its office in Marlborough, MA. Bitstream, Inc. is a publicly traded company. If people are interested in investing its stock, they may find it on NASDAQ under the stock symbol BITS.

The My Fonts site was first launched in 1999. It is dedicated to help consumers to find fonts they need easily. At this time, visitors can find a huge font database on their site. It contains more than 50,000 fonts that people can choose from. If you are looking for an online store to buy fonts, you may want to stop by at this web site. To find fonts at this site is easy, you can search their font database by many criteria such as foundries, keywords, designers, categories and so on. If you want to know what fonts are hot, you should look into the “StarLets” section where new top selling fonts on the site listed. They also allow you to try out fonts by changing the sample text.

Another great feature of is their unique font recognition system called WhatTheFont. This font identifier can help you to find similar fonts in their database to the one in the image that you provide. Sometimes you see a font and you like it very much but you don’t know what font it is. You wonder “How can I identify the font?” The answer is to use the WhatTheFont feature, which is a font finder by image tool. To identify fonts is easy. What you need to do is just to upload your image containing the font onto the WhatTheFont page at When submitting your scanned image, make sure the quality of your image meets the requirements. If this font finder cannot identify your font, you can still try to find help on the WhatTheFont forum.

Are you interested in giving Whatthefont a try? If so, please check out this font finder by image tool on – Citibank Mortgage Loans

To find out all about mortgages from Citibank, visit is the official site for Citibank, a major financial institution in the United States. On this site, you can find all the products and services offered by the bank. To find out about mortgages offered by the bank, use the “Mortgages” link under the “Lines and Loans” section. This will lead you to a website where you can click on the “Apply” button to start your mortgage application process. There are 3 options to begin a new application. Firstly, you can fill out the online form with your name, telephone number, email address and loan amount, and then wait for a mortgage consultant to call you. Secondly, you can call a mortgage consultant yourself at 1-877-501-9131 during office hours. And thirdly, you can click on the “start your application online” link, fill out a short form about your personal finances, including your monthly income and expenses, and then wait for a mortgage consultant to review that information and call you back. Regardless of which option you choose, you will eventually need to meet with a mortgage consultant in person to discuss your application.

Before starting an application with Citibank, you may want to find out more about the mortgage loans and rates offered by the bank. To do this, instead of clicking on the “Apply” button, click on the “current rates” link, and you will be redirected to, the mortgage site for Citibank. On this site, you can access various tools that Citibank provides for mortgage applicants, including mortgage calculators and refinancing schedules. To get a snapshot of the current rates offered, click the “See Today’s Mortgage Rates” button, and you will be shown the 30 year and 15 year fixed rates for residents in California. However, mortgage loan rates vary according to the loan duration, and the applicant’s credit score and income levels. To get a more accurate rate for yourself, you need to click on the “Get your new home mortgage started today” link, and then on the “Customize my rates” link. This will lead you to a long form which you must fill out to get an estimate of the rates that are applicable to you. While the form looks complicated, many of the fields are automatically calculated, and only the fields that are marked with red asterisks need to be filled in. After you have filled in the form, click on the “save and continue” button, and you will be provided with a table of the various fixed rate and adjustable rate mortgage loans of various durations from Citibank. You can then pick and choose which loan is more appropriate for you.

If you are wondering what types of mortgage loans are offered by Citibank, visit – How to Get Cash back Shopping Online at ShopDiscover| Shop Discover Program

Learn how to get cashback while shopping online at, the website for the Shop Discover program.

More and more people do their shopping on the internet. And nowadays almost all retailers with B&M stores also sell through e-commerce. For instance, Macy’s Department store has its online store at and Walmart’s official website is Why do people like shopping online? You may ask. The answer is because it is convenient. With e-commerce, consumers can browse through items that they want to buy in their pajamas in their cozy home. They can read product reviews and compare prices of the same item offered by different online stores easily. When shopping online, they don’t need to drive around to check the product availability and prices at different stores. The only thing they need to do is just to move and click on the mouse because on the internet, the Macy’s store and the Walmart store are just one-click away. Besides convenience, shoppers can also save some money by using online cashback shopping programs (also known as online shopping rewards programs).

There are so many web sites offering cash back shopping rewards such as Ebates, Fatwallet, Mypoints and so on. ShopDiscover is a cash back shopping rewards program provided by Discover. You may not have heard of ShopDiscover before but many of you may know Discover. Discover is one of the major credit card issuers in the United States. Many people like their rewards credit cards. But actually as a user of Discover credit card, they can also save while shopping online through the Shop Discover program.

How to earn cashback while shopping online at ShopDiscover

1. You need to be a Discover credit card user to enjoy the benefits of the ShopDiscover rewards program. If you don’t have a Discover card yet, you can apply one on their web site. Your credit card application may or may not be approved.

2. After receiving your Discover credit card, you should register it online at After the registration, you will get an online account. In your Discover card online account, you can access all the information about your credit card such as balance, transaction history and bonus rewards. Once you have enrolled into the Discover Online site, you also get access to their ShopDiscover site at The login to this site is exactly same as your account login at the Discovercard site.

3. To earn cashback from your online purchase, you must go to the online merchant site through the ShopDiscover web site by signing into your account and then clicking on the link of the merchant. But you should know that not all online merchants participate in this rewards program. At this time, you can only find only around 150 retailers there.

4. Another important thing that you have to know is that you must pay your bill with your Discover credit card in order to get your purchase qualified for cashback purpose. Also, the ShopDiscover cashback offer may not be stackable with other savings or discount offers.

5. It is also a good idea to keep a record of your order so that you can use this information to track your ShopDiscover rewards bonuses.

To learn more about the Shop Discover program and credit cards offered by Discover Bank, visit their web site at – Play 250 FREE Games Online |Friv 4 Schools

Play 250 FREE games online at the Friv 4 Schools web site. Here is the link:

Friv 4 Schools is a collection of free flash games that is safe and age appropriate for children in school. The website ( consists of a grid of 250 icons, with each icon representing a free flash game. When you mouse-over an icon, the game title is displayed on a red bell that tells you what flash game that icon represents. While this layout is visually appealing, it can be difficult to locate a specific game again, since the icons are not arranged in any specific order. You would have to remember the location of the game in order to locate it again. It would be much easier to navigate the site if an alphabetical list of the flash games is created.

An example of a flash game on is Greyhound Tycoon Racing, which is represented by the icon on the 3rd column and 8th row. This is a game in the style of the Railroad Tycoon and Sim City. Basically, you are the owner of a racing greyhound, and by buying stuff for your greyhound, you will enable it to win races and money, and become a rich greyhound racing tycoon. There are several ways for you to get money. You can rent your greyhound out to an advertising agency for photographs, which takes 3 hours. You can rent your greyhound to a petting farm for 5 hours. Or you can participate in a race if one is called, which takes the whole day. Each day consists of only 8 hours, so there is a limited number of things you can do on a day. There is always a race on Saturday, although there may be occasional races on other days as well. In addition to racing your own greyhound, you can also bet on the results of the race, either betting on your own hound or betting on other hounds. If you win a race, there will be large cash prizes, and your greyhound’s fame will increase. A higher fame means that your greyhound will earn more during its photo shoots and pet farm gigs. On the contrary, if you decline to race, your greyhound’s fame will decrease. Once you have the money, you can buy stuff for your hound. For example, you can buy great dog food, which will increase your dog’s health and endurance. You can buy toys which will increase his mood. And you can send your dog away to expensive camps which will dramatically increase his mood and endurance. And most importantly, you can hire expensive trainers which will increase your greyhound’s speed and endurance. Over time, your hound will get faster and have high endurance, and begin to win more and more races.

To play Greyhound Tycoon Racing and other free games online, visit, the Friv 4 Schools website.