Chevy Chase Online Banking Review

By Unknown | lundi 25 juin 2012 | , Leave a comment

Started in 1892, the Chevy Chase Bank is one of the most prolific financial institutions in the District of Columbia. It comes with more than 230 branches and a large array of ATM's amounting to 800 in number within the area.
In December 2008, the bank has been purchased by Capital One, initiating a change in name and launching an online banking service in an effort to make the institution more accessible to its many members. Hence, it would be more accurate to say that the Chevy Chase online banking review today would reflect the Capital One service.
Currently though, very few people are complaining about their online banking. Some of the pros of the site is their excellent layout as well as the easy manipulation of the site. Other features of the include:
Transfer from One Account to Another
Transferring money from the savings account to the checking account and vice versa is completely possible with the Chevy Chase online banking. The great thing here is that members don't have to wait 24 hours before their transfers are processed and reflected in the account.
Security
The bank's online banking utilizes a high quality security program that ensures the protection of members from possible hackers and fraudulent individuals. They also enforce a security measure in which transferring money from a minor's account is prohibited. However, depositing or transferring money into the said account is completely acceptable.
Visible Records
Pending transactions are also provided in the user's account, making it easy for them to track their deposits or withdrawals. This is especially useful for people who are not used to writing down their bank transactions and often forget their balance in the bank.
Customer Service
The customer service is also good, especially through the online banking support.
One of the advantages of having Chevy Chase online banking is the fact that even member outside the DC area can now access their accounts without any problems. Prior to online banking, the amount of Chevy Chase ATM's outside the District of California are rare, making it hard for non-residents of the place to manage their money effectively. Some members have also complained that the charge when using a non-Chevy Chase ATM is too large compared to other financial institutions, prompting them to close off their accounts.
All in all, the Chevy Chase bank has expanded its service to be accessible in the most used media of all: the internet. Members of the institution will find that their accounts are now more transparent, allowing to make transactions at the comfort of their own home, especially for those who live outside the District of California. For those residing within the district of Maryland, Virginia and DC, the abundance of Chevy Chase ATM's makes it doubly easy to acquire cash and manage their account through the online service. They also have a no-minimum balance option, unlike most of the banks that require members to keep a certain amount in their ATM.
More Info available here: Chevy Chase Online Banking

Wells Fargo Refinancing

By Unknown | , Leave a comment

Mortgages through Wells Fargo are now easier to refinance or modify thanks to President Obamas "Making Home Affordable" plan. This plan will allow a homeowner a chance to refinance or modify their home loans into low interest fixed rate mortgages, with more affordable monthly payments. Here is some information for homeowners who use Wells Fargo, and are looking to refinance or get a mortgage modification.
Homeowners, especially in today's economy, are facing all types of financial hardships. These include loss of job, reduced income, high hospital bills, high credit card debts, bad mortgages, and a whole list of other hardships, can use this plan, and Wells Fargo, to get a refinance or mortgage modification. This will help lower the rate of foreclosures and homeowners defaulting on their mortgage. Wells Fargo, President Obama, and homeowners know that losing a home benefits no one, and will work with homeowners to lower their monthly payments.
This tough housing market has also left a lot of homeowners with a mortgage that is worth more than the homes market value, even after years of payments. Now, a homeowner can refinance or get a home loan modification with Wells Fargo, even if they owe up to 5% more than their home is actually worth. This makes a lot of homeowners, who previously would not be approved, a chance to get refinancing or a home loan modification and save their home, or improve their financial position.
Homeowners everywhere should jump at this great chance to get a mortgage refinance or modification through Obamas stimulus plan. There has never been a more beneficial time, or easier chance, for a homeowner to get refinanced or a loan modified into an ultra low interest rate. The savings easily add up to thousands of dollars per year, and are there for the taking. Take action now.

Business Debt Consolidation Basics

By Unknown | jeudi 20 octobre 2011 | , , , , , , , Leave a comment


Business debt difficulties are no different than those encountered on an individual basis. It can be overwhelming for a business to owe more than it can reasonably pay in the allotted time. For many businesses, debt consolidation is a viable solution for resolving their debt issues. By exploring the different types of consolidation available, a business owner can best decide how to proceed with their debt relief strategies.
There are several different reasons a business may encounter debt difficulties. These reasons can include poor management, untimely expansion, and excessive expenses. In the end if there is more money being expended than coming into the business, financial difficulties will ensue. It is the responsibility of the business owners and shareholders to take action to rectify the problem as soon as possible. The results for a business’ employees can be costly and often include reduced work hours or eventual job loss. In addition the business itself will suffer as debt mounts the likelihood of the business remaining open decreases. There are three main debt consolidation options which exist for a business in need of debt relief assistance. These options include a business debt consolidation loan, Commercial debt counseling (CDC) or a bankruptcy filing.
A business debt consolidation loan works much the same for a business as it does for an individual. One single loan is extended to cover the debts of the business. Instead of making multiple payments to various creditors, a business will be left with one single payment.   A business debt consolidation loan can also result in a reduced interest rate which will help make payments more manageable.
Commercial debt counseling offers businesses an opportunity for financial experts to review their accounts and determine the primary cause of debt and the best way to rectify it. Business debt is significantly more complex than that of an individual and so a business requires an expert to dissect their finances and accounts to offer the best counseling possible. The designated counselor will perform a thorough review of the financial state and may suggest redistribution of finances. They may also suggest that a business bring in outside investors to help it stay afloat. The business counselor will also help in settling debt by negotiating new account terms and communicating with creditors on behalf of the business.
Bankruptcy filing is usually a last resort for businesses. When other attempts at debt management have failed, a bankruptcy filing is an option that business owners can use. Chapter 7 or Chapter 11 bankruptcy filing are the options available to businesses. A Chapter 7 filing will result in a liquidation of all business assets. This is usually the end of the business entity.  A Chapter 11 filing will allow the business to restructure their debt and still retain control of their assets. It is a more flexible bankruptcy option traditionally utilized by larger companies.
These three debt management options are available to businesses in need of financial help. Debt consolidation and commercial business counseling are preferable to a bankruptcy filing. Ideally a business should seek counseling as soon as possible to help rectify their situation and avoid closure.

auto insurance quote

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Inflation hits all areas of your life, even the cost of insuring your car. While changing providers can help you save money on your auto coverage. Here are some tips to help you lower that bill, without sacrificing too much on the protection you need.
Deductible
Choose a higher deductible and watch your monthly premium fall. Increasing the level to one thousand dollars could result in a bill that drops by forty percent or more. There is a trick to following this advice, however. Take the money that is being saved each month and set is aside in a separate account.
Continue doing this until you have reached that $1000 threshold. The funds will be there if you ever need to cover the deductible and you will continue enjoying the lower price every month after that.
Drop Collision and Comprehensive on Older Cars
These coverages are designed to get your auto fixed in the event of an accident or vandalism. They are required on vehicles that are financed. Once the note is paid off, however, that protection can be dropped. Keep in mind that the deductible will have to be paid when the damages are to your own property. If your car is only worth two thousand dollars and you will have to pay a thousand of that, then it may be well worth it to just drop these options completely.
Shop Around
Nothing drives prices lower like competition. Comparison websites allow you to put that force to work for you. By entering your information in the system, you will quickly receive quotes from multiple companies. You may find out that the best option for your needs is an agency you wouldn’t have thought to call on your own.
Bundle It
Most insurance providers offer discounts for people who have more than one policy with them. Insure your home and car with the same company to receive attractive discounts on each policy. Look at all the products your provider offers to see which ones you are interested in.
Multiple Cars
If you own a motorcycle, recreational vehicle or equipment like ATV’s and jet-skis, then you might want to find a company that can insure all of these modes of transportation. Having multiple cars insured with the company can also provide you with handsome savings.
Drive Less
Taking steps to put fewer miles on the car is great for your wallet in several ways. The maintenance will be reduced, you’ll spend less money on fuel and you can even get a lower insurance quote. Carefully consider how many miles you actually drive on an annual basis. Talk to your company to be sure that their information accurately reflects that.
Look for Extra Fees
Some providers charge you for the convenience of monthly payments. If this is the case, try to pay the policy in full when it arrives to save money. If you are in the habit of making payments by phone, ask if there are charges associated with that. Late fees can add up, make sure you are mailing the funds early enough to avoid these extra charges.
Safe Driver
Maintain a clean driving record and enjoy a lower cost of insurance. Most companies offer discounts if you go three years or more without a ticket or accident. Check your history and then talk to your company about getting the price break if you are eligible.
Optional Services
There is no reason to pay for towing coverage if you already have AAA protection. Check with your credit cards to see if any of them automatically provide you with roadside assistance or rental car coverage. If you have these services available at a lower price through another channel, then you do not need to buy them from the insurance company.
Anti-Theft
Most cars now come with anti-theft devices, and that information is taken into account when the company determines your premium. However, if you add a security alarm then you will qualify for an additional discount. Talk to your agent to make sure that you receive the proper credit.
Safety
Safer cars cost less to insure. While a really affordable car may look good initially, the cost of insurance for it may actually be quite high if there are no air bags or anti-lock brakes. To get the best insurance rates on a new car, look at the overall safety ratings and available features.
Good Students
Students who get achieve high grades qualify for discounts because it shows they are responsible. When you have a teenager in the house, remind them of this face. Then, call the insurance company to cash in on your kid’s honor roll status.
There are many ways you can reduce the cost of auto insurance. Drive carefully and defensively. Talk to your agent to ensure that you are getting all discounts you qualify for. Consider choosing a higher deductible and eliminating coverage you may no longer need. Most importantly, shop around using comparison tools so you can find the best price available.

By Unknown | Leave a comment


Receiving structured payments systematically over a long period of time may work for some people, but what if a sudden unforeseen need for cash arises and the fixed payments are insufficient? Banks do not really consider the still-to-be-collected payments appropriate secured loan collateral. Rest assured there are other options.
It is possible to transfer structured settlement annuity payments in case unexpected expenses come up and a lump sum amount of cash is needed. To be able to get lots of cash fast, one needs to contact an individual who is a representative of a structured settlement buyer. These people buy settlements as investments for amounts less than their real worth, and in return will give the seller a lump sum of cash. The seller needs to decide which suits them more, to get the full amount over a long period of time in small quantities, or to collect the lump sum that is less than what they are entitled to.

Should the recipient of the structured payments decide to sell them for a lump sum, there are a number of methods they can employ. One possibility is to sell all future payments, get one large lump sum, and not hold any rights to any future payments. The second option is to sell a portion of the future payments. The investor collects a specified number of payments, while the seller gets the agreed upon lump sum. After the completion of the specified number of payments, the payments revert to the seller again. The third possibility is to sell part of the payments. Instead of the investor getting all of the payments and the seller getting nothing , both the seller and the investor get partial payments over a longer period of time, until the agreed upon amount of money is returned to the investor. The final option is to sell all or part of the structured payments in return for two or more payments of large amounts. The seller needs to decide which option will be most suitable for their specific need and then search the market for a suitable customer.
Once the details of the sale have been worked out with the buyer, the amount of time needed to complete the transaction and actually receive the lump sum of cash varies. Every state has its own set of laws and procedures on how these types of transactions can be carried out. These rules are there to protect the seller form unscrupulous investors, hence they can’t be carried out without the court’s approval. Many times the legitimate investor, after getting the go ahead from the seller, will go to court on behalf of the seller at their own expense. They will get the structured settlement payments assigned to themselves for the predetermined amount of time. The court order is a compulsory step that is designed to protect both the buyer and the seller. Upon approval from the court, the lump sum is paid to the seller and the operation is completed.
The actual amount of time to complete the court authorized process and all the paperwork is influenced by many factors. Depending on the state in which the transaction is being carried out, and the time taken to complete the documentation, the process can last anything from roughly 45 to 90 days. The settled upon amount can be transferred to the seller by a check or wire transfer, whichever they prefer. Here are some good articles they can help you when selling your structured settlement payments:

  • 3 Cutting Edge Tips to Selling your Structured Settlement
  • Step By Step Process to Selling a Structured Settlement
  • Structured Settlement Factoring Company Reviews


G20 pledges bank support, eyes bolder euro fund

By Unknown | vendredi 23 septembre 2011 Leave a comment

WASHINGTON (Reuters) - The world's major economies on Thursday pledged to prevent Europe's debt crisis from undermining banks and financial markets, and said the euro zone's rescue fund could be bolstered.

Under pressure from investors to show action, finance ministers and central bankers from the Group of 20 economies said they would take all steps needed to calm the global financial system.

"We commit to take all necessary actions to preserve the stability of banking systems and financial markets as required," the group, including the United States and China, said in a communique after a dinner meeting on Thursday.

Shares of several European banks have tumbled and funding costs have risen as investors worried about bank exposure to debt issued by Greece and other debt-heavy European countries.

World stocks slumped on Thursday to their lowest level in 13 months, hurt by the risk of a new U.S. recession and weaker economic data from China as well as Europe's debt problems.

But the pledge of action from the G2O gave a lift to the euro in early trade on Friday, while softening stock losses in Asia. U.S. stock futures pointed to a higher open in New York.

In a sign the euro zone was working on adding to the potency of its 440 billion-euro financial rescue fund, the G20 statement said the bloc's members would implement "actions to increase the flexibility of the EFSF and to maximize its impact" by the group's next ministerial meeting in October.

No details were given of how the EFSF might be altered, although French Finance Minister Francois Baroin used the word "leverage" in comments to reporters.

The United States has previously proposed that Europe could leverage up the European Financial Stability Facility, giving it more clout to protect the euro zone and its banks.

A U.S. official, speaking after the G20 meeting, said the group showed a heightened sense of urgency but did not discuss a specific mechanism to leverage or expand the bailout fund. Initially, officials had not planned to issue a statement, but came out with a hurried communique after Thursday's big stock market sell-off.

World stocks fall but come off lows

By Unknown Leave a comment

NEW YORK (Reuters) - World stocks fell but were off lows and commodities declined on Friday as a pledge by leading economies to shore up the financial system failed to alleviate fears of a Greek default and global economic slump.

U.S. stocks opened lower but then rebounded. European shares fell 0.2 percent, with banking shares suffering the most after Deutsche Bank said the region's banks may take a bigger-than-expected hit from a swap arrangement on Greek government debt.

U.S. equity index futures cut losses shortly before the open and briefly turned positive on market talk that the European Central Bank is considering stimulus measures to cope with the region's sovereign debt crisis. The equity rebound helped push Treasury debt prices lower.

After the open, Wall Street edged higher, led by a bounce in industrial and financial shares. The Dow Jones industrial average edged up 1.17 points, or 0.01 percent, to 10,735.00. The S&P 500 added 2.79 points, or 0.25 percent, to 1,132.35. The Nasdaq Composite gained 8.91 points, or 0.36 percent, to 2,464.58.

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