Category Archives: Money & Investing – 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. – 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 – Citi Credit Card Payment Online

Pay your Citi credit card online at

This site belongs to Citibank, the consumer banking division of Citigroup. Citigroup is a US-based financial company and one of the Big Four banks. During the 2008 financial crisis, Citigroup nearly went bankrupt, and had to be rescued by US taxpayers. Today, the US government owns a big stake in the bank, and millions of people do their banking with Citibank daily.

Citibank is a prolific issuer of credit cards, and millions of people have Citi cards. In order to access your Citibank credit card online, you have to first register your card at Simply click on the “New User? Register Now” link beneath the User ID and Password fields. You will then have to provide your credit card account number and your email address, as well as choose a User ID and password. Once you’ve signed up with the site, you will be able to log into your credit card account online at by entering your User ID and Password in the fields provided, and then click the “Sign On” button.

Once you are logged into your account, you will arrive at the Dashboard page, which shows your current balance and your minimum payment. Before you pay your credit card bill, it is best to check that all the charges on your card are valid. To do this, click on the “Account Activity” tab, and then on “Download Statements” link. You will then be directed to a page where you can download the last statement to check the charges on your card. Up to 12 months of statements are available. The statements are downloaded in the form of pdf files, and you need a software which can read pdf files, such as Adobe Reader, in order to view your statements. Once you have checked your charges, you are ready to pay your credit card bill.

How can you make a Citi credit card payment online? To pay your card bill, you first need to link your savings or checking account to your credit card account. To do this, click on the “Pay” tab, and then on the “Add Payment Account” link. You then need to enter your bank’s routing number, and your bank account number to set up the ACH link. Once you have done that, you can pay your bill by clicking on the “Pay” tab, and then on the “Make a Payment” link. You have the option of making the minimum payment, the last statement balance, or the current balance.

If you want to make a Citi credit card payment, go to – Personal Loans |CitiFinancial

To apply for personal loans from Citi Financial, visit is the main website of Citi Financial, the Consumer Finance division of Citigroup. CitiFinancial specializes in offering retail loan products to consumers (as opposed to businesses and high net worth individuals). A wide variety of products are offered by Citi, including personal loans, student loans, and home equity loans.

There are many reasons a person would suddenly need cash. Perhaps your car broke down and you need money to repair it. Or perhaps the central air conditioning in your home is out. Or maybe you’re looking for some cash to renovate your home or to consolidate your other debts. Perhaps you’re just raising money to go on a vacation. Note however, that you cannot apply for a personal loan to start up a business (or at least you cannot state that in the loan application). This is because another branch of Citi handles business loans, and the loan officers at Citi Financial are not able to judge the chances of success of a business.

Whatever the reason for your loan, the first step is to estimate the amount of cash that you need. The more accurate you can estimate the amount you need, the less likely it is that you will over-borrow, and hence pay a larger interest than required. Citi Financial personal loans are limited to $15000. Online applications are limited to loans less than $10000. And unsecured loans are only available for loans of $5000 or below.

The next decision you have to make is whether to apply for a secured or an unsecured loan. A condition for an unsecured loan is that you are currently employed, and are able to provide proof of employment with paychecks. Unsecured loans carry a higher interest rate, and are limited to lower amounts. If you own a car or a truck, it is better to apply for a secured loan, which carries a lower interest rate, using your vehicle as collateral. If you are looking for loans above $7500, you will probably need to use your home as collateral, in effect applying for a home equity loan. Note that although secured loans carry better interest rates than unsecured loans, in the event that you are unable to repay the loan, your collateral can be repossessed by the bank.

What are the advantages of using Citi Financial? Compared to the alternatives, such as pawnshops or pay check lenders, banks usually provide a much lower interest rate, and allow a longer loan period. However, to take advantage of CitiFinancial, you need to have a relatively good credit score, and cannot have had a bankruptcy before. If you have impaired credit, you will not be able to apply for unsecured loans from Citi. You can only apply for a secured loan.

In summary, allows you to apply online for personal loans from CitiFinancial. – Wachovia Bank Branches

To locate local branches of Wachovia Bank, go over to

Wachovia bank is a major bank in the United States that was acquired by Wells Fargo during the financial crisis in 2008. The two banks are a good fit, because Wells Fargo has branches mainly on the West coast of the United States, while Wachovia bank branches are mainly located on the East Coast. The combined entity thus has a geographically diverse branch base, allowing it to source for deposits in all parts of the country. In addition, the combined bank becomes more resilient to local economic downturns that affect only a small region of the country. Note however that the deposit bases of the two banks are still separate, and Wells Fargo customers cannot make deposits in Wachovia branches, and vice versa. However, Wells Fargo intends to slowly convert Wachovia branches to Wells Fargo ones, and in the future, all Wachovia customers will be customers of Wells Fargo instead, and the two deposit bases will be united under one brand.

What can you do at, the bank locator website? When you surf on over to the site, you get redirected to On this site, you can search for both bank branches and ATM machines. If you are looking for a place to withdraw cash or make a quick deposit, make sure to check the box adjacent to the correct bank before you search. This is because, as mentioned above, the customers of Wells Fargo and Wachovia cannot yet bank at the other bank’s branches or ATMs, although the situation should be rectified in the near future. You can narrow the search down to ATMs or branches by checking the appropriate box if desired, although there is usually little point in doing so, since you can now perform almost all banking transactions at ATMs as well as at branches, with the exception of making loan applications. If you are a Wells Fargo customer, you can also search for specific types of bank branches if you check the Wells Fargo box. For example, you can search for in-store branches, which are banks located within grocery stores, equipped with ATMs and teller windows, as well as a private meeting room for loan applications with the bank manager. If you are a high net-worth individual who is a customer of Wells Fargo Client Services, you can also search for Client Services offices which can provide you with specialized services such as investment management, brokerage, and trust and private banking services.

So, to search for either Wachovia bank branches or ATMs, go on over to – Bank of America Home Equity Loans

When homeowners want to finance their expenses using their home equity, they will need home equity loans and/or lines of credit. For instance, sometimes they need money to pay their children’s college tuitions or to pay the bills for their home repairs. Some people who want to consolidate their credit card debts may also need these types of loans or credits.

If you are interested in the home equity loan or line of credit offered by Bank of America, you should check out the given link. This web page is on, the BOA online banking official site. On this site, you will learn the difference between a Home Equity line of credit (HELOC) and a Home Equity loan. In general, for people who like flexibility and ongoing access to funds, HELOC is the way to go; for people who need predictability and a one-time payout with fixed payments, the latter one is the best choice. They offer an online tool at the site to help visitors to compare these two loans side by side. Also the home equity calculator provided by them can help people to estimate their monthly payments and let them figure out how much they can afford.

This site provides information for both new and existing BOA customers. For new BOA clients, they can learn how to apply for Bank of America home loans. If you don’t need help, you can submit your loan application online. Otherwise you can talk to a home loan officer by calling the toll free telephone number: 1-866-436-0418. Or you can leave a message using the online contact me form and let the office call them. For existing customers, you can find BOA home loan customer service phone number and access all the other account services on this page such as locking in a fixed rate, transferring balances and requesting a line of credit increase.

To learn more information on home equity loans offered by Bank of America, check out the following link.