Category Archives: Finance

www.NewMoney.gov – The New $100 Note Security and Design Features

Www.newmoney.gov is the website to learn about the new $100 note security and design features. This website is brought to you by several US government agencies, including the US Secret Service, the Federal Reserve Board, the Bureau of Engraving and Printing, and the Department of the Treasury.

The new $100 note is not in circulation yet, even though the new design has been unveiled more than one year ago. The current $100 note will be replaced by the new note some time in the future, but the exact date is unknown to the public. This is because the date on which the new $100 notes will be issued has not been announced yet by the Federal Reserve. Why does it take the Federal Reserve so long to put these notes into circulation, especially since they have unveiled its design in April 2010. According to the progress update video on newmoney.gov, there is an issue associated with the production of the new notes at the Bureau of Engraving and Printing, where US currency is printed. This production problem is the reason why the new $100 bills will be issued later. When will new $100 notes be available in circulation? If you are curious about the answer to this question, you can sign up at the Newmoney website to get email updates regularly.

To prevent counterfeiting, all US currency comes with security features. For instance, the current $100 note is protected by the portrait watermark and several other features. The upcoming one hundried dollar bill comes with 2 new security features, which will further help to deal with the counterfeiting problem. The two new security features incorporated into the $100 notes include the 3-D security ribbon and the bell in the inkwell. Besides these enhanced features, several other features are also available such as color-shifting, the security thread, raised printing and more. If you want to learn how to tell if a $100 note is real or counterfeited by using these security features, you should visit www.newmoney.gov, a US currency educational website. On the site, you will learn what these features look like on the note and where to find them. They also have a demonstration to show you how the $100 note should look like in back light and under UV light. The interactive program even allows you to magnify, flip and tilt the demo note so that you will know how it looks in different angles. Before visiting the website, I did not realize there are so many features on the note that can help me determine whether a bill is real or counterfeit. If you deal regularly with cash, these are very important lessons.

www.flexdirect.adp.com | Flexdirect |Adp Spending Accounts

Enroll in ADP spending accounts at www.flexdirect.adp.com, the ADP Flexdirect website.

In this climate of economic malaise, everybody needs to find ways to save money. ADP spending accounts and the commuter benefits accounts are two savings products provided by Automatic Data Processing, Inc. If you are an employer and interested in their other business services like payroll, employee benefits, human resources and so on, you should visit the company’s official web site at adp.com.

If you work for an employer who is customer of Automatic Data Processing, you may be offered with Health Care Flexible Spending Accounts (FSA) and Dependent Care Flexible Spending Accounts. For new customers who may not know the benefits associated with these accounts, they may want to visit the ADP Flexdirect site to learn about these accounts and to hear what other participants have to say about these accounts. For example, by enrolling in a health care spending account, you may save nearly 40% of your expenses on medical and/or dental co-pay and prescriptions. With a Dependent Care FSA, you may be able to cut your child daycare cost by approximately 20% to 40%. The detailed information about FSA may also be available from your human resources department.

The Flexdirect Adp site is designed for both new and existing users. For new users, to get their services through this website, they should first get registered by clicking the “Register Here” link located at the participant login frame on the right side of the home page. During the account registration process, they should provide their personal information such as name, birthday and zip code to confirm their identities. The information should match that submitted to the service provider by their employer. Of course, if you have a registration code, you can use it to register. For existing users, they can access their accounts at the following link by typing in their usernames and passwords. There are two types of account logins available on this web site. One is for participants and the other is for employers. If you have problems logging into to your ADP spending account, please make sure that you use the correct login frame first.

Web site for Flexdirect ADP spending account login and registration: https://www.flexdirect.adp.com.

WellsFargoFinancial.com Credit Card

Activate your WellsFargoFinancial credit card on the web at www.wellsfargofinancial.com.

If you type in the url listed above into your web browser, you will be directed to the WellsFargo Financial site at http://financial.wellsfargo.com/index.html. This site is mainly designed to serve their US customers. If you are from Canada, you should visit their Canadian site by clicking on the Canada flag icon found on the top right on the homepage.

On this web site, visitors can access information about Wellsfargofinancial credit card, bill payment and customer service. If you are a new WellsFargoFinancial card holder, you can activate your Wells Fargo card online and gain online access to your account. The WellsFargoFinancial online account access service is available for all their credit cards including Visa, Mastercard, Cash on Demand and NowLine. This convenient service is available 24 hours a day and 7 days a week. This means that users can easily keep track of their transaction history and other account information. You can also use the WellsFargoFinancial card bill pay online service. But be aware that to use both of these services, users have to create two logins for each separately. One is for the account access login and the other is for the online bill payment login. They should have different user name and password.

How to activate Wells Fargo Financial credit cards online?

To activate your card, go to the wellsfargo financial credit card activation page. Visit financial.wellsfargo.com or http://www.wellsfargofinancial.com. In the corresponding section, you will see the “Activate Your Card” link. Click on the link, and you will find the correct page. Start the enroll process by entering your card number into the box shown in the “Register Now“section. The whole registration process is easy. If you need help, you can call their customer service phone number 1-877-906-6055.

To learn more additional information about Wells Fargo Financial cards, visit the wellsfargofinancial.com credit card webpage mentioned above.

USBank Student Loans |USBank.com/Studentloans

Learn information about USbank student loans at usbank.com/studentloans.

Many colleague students finance their study by taking student loans from USbank, because their education loans come with many features including deferment of payments, low interest rates and no fees. They also offer discounts for loan takers who use the AutoPay service. Currently, the discount is a 0.5% reduction of the interest rate. They also have several other benefits which makes the loan more affordable. For instance, they allow repayment periods of up to fifteen years, and they give better interest rates for college loan customers who can get qualified cosigners on the loan. To find more about loans offered by USbank for students, please check out the private education loans from US Bank page at the link provided.

If you are planning to apply for a student loan, the first thing that you should do is to figure out how much money you will need to cover your college expenses. When budgeting, you may want to include money for tuition, textbooks, transportation and other living expenses. Before considering private loans like US bank student loans, you may want to seek money from sources with relatively low interest rates. For instance, you should check whether you have the opportunity to get financial aid such as scholarships from the university that you will attend. Also, you should also fill out the FAFSA (Federal Application for Student Financial Aid) form which is a good way to get financial support for your college education.

US Bank is among the top 10 biggest banks in the United States of America. Their local offices are present in approximately 24 states in the US. Besides these local banks, they also operate on the internet at the US bank internet banking site. For your information, USBank is owned by USBancorp, a major American financial services company headquartered in Minneapolis, Minnesota. As a retail bank, USbank provides banking products and services for individual consumers. If you need any financial products and/or services offered by them, you should visit their branches or on-line at their web site mentioned above. For instance, if you want to learn about checking accounts, savings accounts, credit cards, home loans, personal loans offered by this bank, you should pay a visit to www.usbank.com, the official website of USBank.

Of course, if you are a student who needs financial aid for your education, you can also check information about USbank student loans at this site.

Link: usbank.com/studentloans.

www.ezlm.adp.com | ADP ez Labor Manager

The URL for the ADP ezlabor manager bookmark page is the one listed below but not www.ezlm.adp.com.

Usually a subdomain link with and without “www” should have the exactly same function. But this is not the case for this web site. When entering the link with www, you may not be able to reach this ADP ez labor manager bookmark webpage; instead you will see a message telling you that the page you are looking for cannot be found.

This webpage is designed to help ezLaborManager users bookmark the ezLaborManager log on page easily. If you are a user of the ez labor manager, an Automatic Data Processing product, you may need to visit the ADP client login page at http://workforceportal.elabor.com/ frequently. To access this site, you can key in the URL into your web browser every time you need to visit. But to save the hassle, you can bookmark this page. By bookmarking it, you also reduce the risk to end up at a wrong site or even a phishing site.

There are two ways to add the ezlabormanager ADP client login webpage to your bookmark list. First, click on the red button “bookmark ezlabormanager” and then you will see a pop up window. In this window, you can change the bookmark name and select the folder in which it will be saved. Then click on the enter button and you’re done. If you have difficulty adding the bookmark using the button, you can always add the link in the regular way. Click the right mouse button on the link: workforceportal.elabor.com, select “bookmark this link” and click the “add” button.

Website for bookmarking the ADP ezlabormanager log on page: http://ezlm.adp.com/

www.portal.adp.com – ADP Portal Login

Access your account at this ADP portal login page via the provided link.

When visiting the ADP self service portal using this URL: www.portal.adp.com, you may get a warning message saying: This link is not trusted and the security license is not valid. Why does this happen? This is because the web address starting with “www” is not the correct link to use. Instead, the subdomain address without the “www”at the beginning will redirect you to the login page. It is a secured webpage so that it’s URL starts with https:// instead of http://.

On the ADP Self Service Portal page, you can access your account online. This web site is designed and operated by Automatic Data Processing, Inc. (ADP), a company providing payroll services, human resources, retirement services and employee benefits administration services to business. This page is designed for both individual users and administrators so that there are two types of logins. One is “User Login” and the other is “administrator login”. You need to make your own selection according to your status.

The very first time you visit this site, you have to register. During the registration process, you may be asked for your registration pass code, your identity, contact information and security information. At the end of the process, you will get your user ID and password which will be used for the account sign in purposes. Registered Automatic Data Processing users also have the option to add more services.

To familiarize yourself with this portal, you probably should take a look at the “Need Help Getting Started” section in which you will learn how to register for a new  service, how to manage your account information, how to manage your digital certificate, how to designate your web browser settings when using the site and so on.

This website also comes with the on-site user ID and password recovery system which is quite convenient to people who cannot figure out their login information.

Enjoy the convenience that Automatic Datat Processing services bring to you and manage your account at the ADP portal login site: portal.adp.com.

www.iPay.ADP.com – ADP iPayStatements Login

Register your account and check your earning statements any time you like online at the ADP iPayStatements login page. To avoid the error message, remove the “www” from www.ipay.adp.com when typing in the web address in your browser.

This webpage can be reached by using the URL: paystatements.adp.com. But when people type in the URL: www.ipay.adp.com, they will get an error message. Why? That is because these two URLs don’t serve the same function. The correct one to use is the one without www at the beginning.

This ADP iPay Statements website allows an employee to view his or her payroll statements on the internet. This site should be accessible 24 hours per day and 7 days per week. With this web site, they can review their earning statements and access their W-2 forms easily.

If you are an existing user, you have to click on “login” to enter the site and you will be able to check your paycheck related information in your account. For existing users who have forgotten their passwords, click on the “Forgot Your Password” link and follow the instructions to get your password back by entering your UserID and then clicking on the submit button. If you don’t know your User ID, click on the “Forgot Your UserID” link, and enter the required details like First Name, Last Name, Date of Birth and City of Birth, and then submit them.

If you are a new employee or have never used this website before, you should register first by clicking on the “Register Now” link. Once you have registered your ADP ipay statements account, you should be able to sign in to your account with your username and password to access your payroll information. But be aware that if you want to change your home address listed on your Paystatments, you have to contact your payroll administrator.

If you have questions regarding the site’s security features or your account login, you may want to check the Information Center which may help you resolve your queries. In this section, several frequently asked questions are available which help users login and navigate the website. The “Can’t Log in?” link will lead you to a page which is useful when you cannot login. All the possibilities with the solutions are provided on the page like in case you have never logged into iPay statements before or if there is any trouble in logging in etc. The “Security Settings” link would be helpful when you want to adjust the security setting on your PC so that you can access this site correctly. For instance, you will learn what kind of web browser is required and how to configure your security settings on different web browsers.

The web address for the adp ipaystatements login page is paystatements.adp.com or ipay.adp.com.

www.BankofAmerica.com/HomeLoans – BOA Mortgage Loan

Www.bankofamerica.com/homeloans is the link for a web site where consumers can learn detailed information on home loans offered by Bank of America.

This site is owned by BOA, a member of FDIC. On this website, visitors can explore all the available BOA home loan options. For consumers who plan to buy a new real estate property, they should look into their mortgage loan options. For existing homeowners who would like to lower their monthly or bi-weekly mortgage payments, they may want to learn about BOA mortgage refinancing options. For people who want to get some cash from their home equity, this bank also offers home equity loans (with fixed interest rates) and lines of credit (with flexible interest rates).

On this page, there are also links for checking the current Bank of America mortgage rates, estimating loan payments by using the calculator and finding solutions for difficulties in home loan payments.

Visitors can find the phone number for BOA customer service, and also use the online locator to find a Bank of America mortgage loan office or a local bank branch. They can also find the link for the BOA mortgage prequalification online application.

So http://www.bankofamerica.com/homeloans is a very informative web page for consumers interested in BOA home loans.

www.Citibank.co.in – Citibank India Online

Www.citibank.co.in is the official website for Citibank India Online.

Citibank is the retail banking arm of Citigroup, the global financial institution that is headquartered in the United States. In the United States, Citibank has the third largest deposit base. Worldwide, Citibank has thousands of branches spread over many countries. In India, Citibank actually has relatively few branches. It only has branches in the major cities, and typically only one to two branches per city. It prefers to rely on ATMs and internet banking in India. Nonetheless, Citibank is one of the largest foreign financial institutions in India. Furthermore, its Internet Banking service in India is well regarded, and its website has won several awards for excellence in online banking in the past few years.

At this web site, you can log in to check your Suvidha savings account. Many companies in India pay their employees through Suvidha salary savings accounts, hence your salary may be credited automatically to your savings account monthly. The savings account also comes with a debit card which you can use to make purchases. You may even earn reward points when you use your debit card. Your debit card number also acts as your user name during the log in process for Online Banking.

To begin using www.citibank.co.in for internet banking, you need first to apply for a PIN number. To do this, click on the “Get your IPIN here” link beneath the login box on the official website. Then, choose Suvidha/Banking as your account type, then click on the “Get Started” button. You will then be prompted to enter your 16 digit ATM/debit card number. If your card has a CVV, you will be required to enter that too. The CVV is a 3 digit number that appears on the back panel of your debit card, especially Visa based cards. Once you have entered your card information, you will also be required to enter some personal information. You need to enter your date of birth, followed by your mailing address pincode. Once that has been done, check the box that specifies that you agree to the terms and conditions, and then click on “Generate OAC”. The OAC stands for Online Authorization Code, and is a six digit random number that is sent to your mobile phone number on file with Citibank. Once you have received the OAC on your mobile phone, you will need to enter the OAC to complete the registration process and receive your IPIN number. You must do this within 15 minutes, or your OAC will expire.

Once you have received your IPIN, return to the home page of Citibank India, and click on the “Login” button on the home page. You will then be prompted to enter your 16 digit debit card number, and enter your PIN via the virtual keypad. After you have done this you will be able to view your account balance of your savings account online.

For internet banking online with Citibank India, visit www.citibank.co.in.