UFREETV - FINANCIAL SECTION INFORMATION TO HELP YOU MAKE CRITICAL FINANCIAL DECISIONS
WHAT DO YOU KNOW ABOUT ALLSTATE INSURANCE? Allstate is financially a strong insurance choice. They are very popular among insurance customers in the U.S. They offer a wide variety of products and customers have access to local agents along with a user friendly website. Although there have been Allstate complaints, it still remains one of the top insurance choices for U.S. customers.
Company Rating by Best Insurance Reports A+ Solid History, Founded in 1931 2nd Largest Personal Lines Insurer in the U.S. Exclusive "Acccident Forgiveness" Program Local Offices Available Nationwide
Licensed insurance professionals are available 24/7 to discuss your specific needs. If you have a claim, you can be assured it will be filed easily and handled properly.
Allstate provides the best combination of coverage and value. You get customized insurance that's just as affordable as those one-size-fits-all policies.
If you're younger than 25, single, and a full-time student, your good grades may qualify you for a discount on auto insurance.
Allstate insurance company is the second largest personal lines insurer in the U.S. The Allstate insurance company began in 1931. They started in 1931 asa part of the Sears Roebuck and Co. "Your in Good Hands" is a slogan that most know as belonging to Allstate insurance company. Allstate relies heavily on advertising through their TV commercials along with sponsorships. Allstate's largest sponsorships include the Allstate Sugar Bowl, the Allstate 400, and the U.S. Olympic Committee.
Allstate insurance company sells a variety of insurance products including 13 major lines of insurance. Allstate's auto, home, and life insurance are among their most popular products. The Allstate company also offers financial products.
Overall the Allstate insurance company is a solid company with a Best insurance report rating of A+ and their large customer base supports their stability. But, although their stability is strong, they still have had their share of complaints. One of of worst came with the title of #1 worst Insurer by the American Association for Justice. PBS and Business Week have also exposed various complaints about the insurance company ranging from claims problems to deceptive practices. Allstate has also had customer complaints of offering a low, attractive premium to get new customers to switch to Allstate.
Accidents happen. And if you're involved in one, you'll need to file an auto insurance claim. Even a minor accident can be unsettling, so taking a few minutes now to understand the claims process means fewer problems later when it's time to file your claim.
After the Accident: Before doing anything else, check the accident scene and confirm that no one was injured. If there are injuries, dial 911 immediately.
Share Info with the Other Driver Start with your policy number and your insurance company's phone number-you'll find them on the proof-of-insurance card most states require you to carry in your vehicle. Then exchange names, addresses, and phone numbers with the other driver. Remember to write down the other vehicle's make, model, and license plate number, along with the number of passengers and an overview of the damage to each vehicle. Our claim worksheet helps you gather all the info you'll need throughout the claims process-print one to keep in your glovebox.
Once you have all the accident info-and you've filed a police report, if required-contact your insurance company as soon as possible to report your accident and any damages. You have a few options in how to file a claim.
BENEFITS OF ALLSTATE AUTO INSURANCE: ACCIDENT FORGIVENESS This helps keep your rates from going up just because of an accident. Even if it's your fault. DEDUCTIBLE REWARDS You'll get $100 off your Collision deductible the day you sign up. And then $100 off every year you go without an accident. Up to $500 total.
NEW CAR REPLACEMENT If your new car gets totaled in the first three model years, you may be able to get a totally new car - not just a check for the depreciated value.
SAFE DRIVING BONUS Introducing the Safe Driving Bonus Check*, for every six months of accident-free driving you have the opportunity to earn a check of up to 5% of your premium.
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WHAT DO YOU KNOW ABOUT E-LOANS? E-Loan, part of the Banco Popular North America (BPNA), has an online savings account worthy of review. The E-Loan savings account has moved into the competitive space of banks offering the best interest rates.
With the motto “Radically simple”, E-LOAN provides consumers with online high-yield savings accounts and CDs, as well as loans through a network of lending partners. Savings and CDs have no fees and feature competitive rates. E-LOAN also has an expansive range of loan products including mortgages, FHA and interest-only options, home equity loans, home equity lines of credit, student loans, personal loans, commercial loans, and more. E-LOAN’s website offers several calculators and tools, and all financial products can be opened online. Customer service is available online and over the phone.
Launched in 1997, E-LOAN is a wholly-owned subsidiary of Banco Popular North America under the global parent company, Popular, Inc. Since its founding, E-LOAN has originated over $32 billion in consumer loans.
E-Loan bank is careful about your security. As a result, the account does not offer as much flexibility as some other accounts. For example, you cannot have money taken from the account except through your linked account (you can’t have your insurance premiums debited from the account, in other words). In addition, you can only change your linked account 4 times per year.
Highlights of the E-Loan Savings Account $5000 minimum to open, but your balance may fall lower after that 6 withdrawals per calendar month limit FDIC Insured up to $100,000 No deposits allowed via mail Interest compounds daily
Fixed rate loans have a stated interest rate that does not change over the life of the loan, whereas the rates on adjustable rate loans are linked to an index and change as the index rate changes. Many mortgages, such as a 5-Year Fixed (30 Year), start as a fixed rate loan and then convert to an adjustable rate. Adjustable rate loans have more risk due to the possibility that the interest rate could increase. However, because you are assuming some of the risk the lender will generally reward you with a lower interest rate. These loans are best for borrowers who do not plan on keeping the loan for the full term.
Interest-Only loans are a good means of either increasing your home purchasing power or maximizing your flexibility to control cash flow. You can save significant amounts of cash for investment, savings, or other expenditures during the first ten years of your loan. This is also a solid strategy to maximize tax deductibility, with more funds available for paying down higher cost, nondeductible consumer debt. With these loans, the minimum payment required covers interest only - you decide how much or how little of the principal to repay each month. These loans should not be confused with negative amortization loans. With Interest-Only, the principal balance NEVER increases.
Impound accounts are required by lenders in most states, particularly when the amount you are borrowing represents a large percentage of the property's market value. When an impound account is required by the lender, you can often waive the use of an impound account for the hazard/homeowner's insurance and property taxes for a fee. However, you will always have to prepay your mortgage insurance payments (if any) into an impound account. In most states, once you submit a loan application we can help you determine if you will need an impound account. You will need a mortgage insurance impound account if your loan-to-value ratio (loan amount divided by property value) is greater than or equal to 80%.
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WHAT DO YOU KNOW ABOUT STUDENT LOANS? Federal Student Loans In the past, most student loans were providedby private lenders and guaranteed by a guarantee agency and then by the federal government-these are called Federal Family Education Loans (FFELs). The “guarantee” means that the government will reimburse your lender if you default, and can then go after you to collect on the loan. In 1993, the federal government began providing loans directly to students-called Direct loans. As of July 2010, FFELs are no longer available to students. However, if you (like many Americans), took out a student loan prior to July 2010, you very well may have a FFEL. Through these and other programs, the federal government provides about 70% of all student aid. Here are the details of FFELs, Direct loans, and other common federal loans. Federal Family Education Loans (FFELs) FFELs may be one of the following:
• Stafford loans, (previously called Guaranteed Student Loans or GSLs or Federal Insured Student Loans (FISLs)) • PLUS loans (loans to parents or to graduate students) • SLS loans, or • consolidation loans.
Stafford loans are the most common; they help pay for college or graduate school education. These loans have been around in one form or another since the 1960s. If a student qualifies for a “subsidized” Stafford, the student does not have to pay any interest on the loan for the time the student is in school or after leaving school, in the grace period. As of July 2010, FFEL loans are no longer available. So, if you got your loans after June 30, 2010, they are not FFEL loans.
Direct Loans Direct loans were first made available in about 1993. These loans are made directly by the federal government, rather than by a bank or other lender. Direct loans may be a:
• Stafford loan • PLUS loan, or • a consolidation loan.
Direct loans have had a more favorable repayment option then FFELs for students who do not have sufficient income to pay the standard payments. But as of July 2009, both types of loans will have similar flexible repayment plans available. Most existing federal loans are either FFELs or Direct loans. (As mentioned above, loans made after June 30, 2010 cannot be FFELs.)
Perkins Loans A Perkins loan is a low-interest loan for undergraduate or graduate students with very low incomes. These loans were previously known as National Direct Student Loans, and before that, National Defense Student Loans. The federal government guarantees repayment of Perkins loans but, unlike other loans, Perkins loans are made by the school with a combination of federal and school funds. This means that the school, not a bank or the government, is the lender.
PLUS Loans These loans are available to creditworthy parents and graduate and professional students. These loans are either federally guaranteed or direct federal loans.
Other Federal Loans There are many other types of federal loans, including loans for independent students, professionals, and nursing students. To find out more, contact your lender or the Federal Student Aid Information Center at http:// studentaid.ed.gov, 800-443-3243, or 800-730- 8913 (TDD). The Center offers a free booklet, “Funding Education Beyond High School: The Guide to Federal Financial Aid,” that explains many of the basic terms and rules governing federal loans.
Private Loans Many students have private loans from banks and other financial institutions without the guarantee of the federal government. Their terms are usually much less favorable than federal direct or federally guaranteed loans.
Many graduate students and some undergraduates apply for federally guaranteed loans and private loans in one application package, but the private loans don’t have all of the options for repayment that government guaranteed or direct loans have. Many loans are made by the Student Loan Marketing Association (Sallie Mae) or by Nellie Mae, its subsidiary.
UFREETV.COM™ encourages you to learn all the details of your financial contracts before signing any documents or making any decisions.
MacBook Air is unbelievably thin and light. But we also designed it to be powerful, capable, durable, and enjoyable to use, with enough battery life to get you through the day. That’s the difference between a notebook that’s simply thin and light and one that’s so much more.
Even at less than an inch thin, MacBook Air sets a pretty high standard - by making flash storage standard. Flash chips are very compact, allowing MacBook Air to be incredibly thin and light. Flash is also solid state, meaning there are no moving parts. Which makes it reliable, durable, and quiet. And it takes up much less space - about 90 percent less, in fact. That creates room for other important things, like a bigger battery. So you have a notebook that weighs almost nothing and runs for hours on a single charge. That’s mobility mastered.
Multi-Touch technology is part of practically every Apple product. It’s the best and most personal way to interact with your devices. And the optimal way to experience Multi-Touch on a notebook is through a trackpad. That’s precisely the case with MacBook Air. The trackpad’s spacious, all-glass surface doesn’t have a button because the whole thing is the button. And with Multi-Touch gestures in OS X Lion, you can interact with MacBook Air in ways that feel more intuitive and responsive than ever before.
Anyone can try to make a notebook that’s thin and light. Success comes in doing it without cutting corners. That’s why MacBook Air features a full-size keyboard, not a condensed version of what you’re used to. When you type on the MacBook Air, it’s just as comfortable as typing on a desktop keyboard. And the keyboard is backlit, so you can type comfortably even in low-light conditions. A built-in sensor detects changes in the ambient lighting and adjusts the keyboard and display brightness automatically, giving you the perfect illumination in any environment.
If you looked inside MacBook Air, you’d see something remarkable: how much space we devoted to the battery. That’s thanks to smaller components such as flash storage. And when the goal is to design the perfect notebook for everyday use, giving priority to the battery just makes sense. With MacBook Air, you can get up to 5 hours of battery life on the 11-inch model and up to 7 hours on the 13-inch model. Put MacBook Air to sleep for more than an hour, and it enters what’s called standby mode.* That means you can come back to MacBook Air a day, a week - even up to an entire month - later, and it wakes in an instant. Time is on your side, courtesy of MacBook Air.
MacBook Air features a unibody design for both the main enclosure and the display. Unibody construction means a higher-precision, less complex design with fewer parts. And that translates to a notebook that’s exceptionally thin and light, yet durable enough to handle the rigors of everyday use.
TECH SPECS: Display 11.6-inch (diagonal) high-resolution LED-backlit glossy widescreen display with support for millions of colors Supported resolutions: 1366 by 768 (native), 1344 by 756, 1280 by 720, and 1024 by 576 pixels at 16:9 aspect ratio; 1152 by 720, 1024 by 640, and 800 by 500 pixels at 16:10 aspect ratio; 1024 by 768, 800 by 600, and 640 by 480 pixels at 4:3 aspect ratio; 720 by 480 pixels at 3:2 aspect ratio 13.3-inch (diagonal) high-resolution LED-backlit glossy widescreen display with support for millions of colors Supported resolutions: 1440 by 900 (native), 1280 by 800, 1152 by 720, 1024 by 640, and 800 by 500 pixels at 16:10 aspect ratio; 1024 by 768, 800 by 600, and 640 by 480 pixels at 4:3 aspect ratio; 720 by 480 pixels at 3:2 aspect ratio
Storage1 64GB 64GB flash storage 128GB 128GB flash storage Configurable to 256GB or 512GB flash storage. 128GB 128GB flash storage 256GB 256GB flash storage Configurable to 512GB flash storage. Processor 1.7GHz dual-core Intel Core i5 (Turbo Boost up to 2.6GHz) with 3MB shared L3 cache
Memory 4GB of 1600MHz DDR3L onboard memory Configurable to 8GB. Size and Weight
Height: 0.11-0.68 inch (0.3-1.7 cm) Width: 11.8 inches (30 cm) Depth: 7.56 inches (19.2 cm) Weight: 2.38 pounds (1.08 kg)2 Height: 0.11-0.68 inch (0.3-1.7 cm) Width: 12.8 inches (32.5 cm) Depth: 8.94 inches (22.7 cm) Weight: 2.96 pounds (1.35 kg)2 Graphics and Video Support Intel HD Graphics 4000 Dual display and video mirroring: Simultaneously supports full native resolution on the built-in display and up to 2560 by 1600 pixels on an external display, both at millions of colors Thunderbolt digital video output Native Mini DisplayPort output DVI output using Mini DisplayPort to DVI Adapter (sold separately) VGA output using Mini DisplayPort to VGA Adapter (sold separately) Dual-link DVI output using Mini DisplayPort to Dual-Link DVI Adapter (sold separately) HDMI audio and video output using third-party Mini DisplayPort to HDMI Adapter (sold separately) Camera
720p FaceTime HD camera Connections and Expansion
Two USB 3 ports (up to 5 Gbps) Thunderbolt port (up to 10 Gbps) MagSafe 2 power port
Two USB 3 ports (up to 5 Gbps) Thunderbolt port (up to 10 Gbps) MagSafe 2 power port SD card slot Wireless
Stereo speakers Omnidirectional microphone Headphone port Support for Apple iPhone headset with remote and microphone Keyboard and Trackpad Full-size backlit keyboard with 78 (U.S.) or 79 (ISO) keys, including 12 function keys and 4 arrow keys (inverted “T” arrangement) with ambient light sensor Multi-Touch trackpad for precise cursor control; supports inertial scrolling, pinch, rotate, swipe, three-finger swipe, four-finger swipe, tap, double-tap, and drag capabilities Battery and Power4 Up to 5 hours wireless web Up to 30 days standby time Built-in 35-watt-hour lithium-polymer battery 45W MagSafe 2 Power Adapter with cable management; MagSafe 2 power port Up to 7 hours wireless web Up to 30 days standby time Built-in 50-watt-hour lithium-polymer battery 45W MagSafe 2 Power Adapter with cable management; MagSafe 2 power port Electrical and Operating Requirements Line voltage: 100-240V AC Frequency: 50Hz to 60Hz Operating temperature: 50° to 95° F (10° to 35° C) Storage temperature: -13° to 113° F (-24° to 45° C) Relative humidity: 0% to 90% noncondensing Maximum operating altitude: 10,000 feet Maximum storage altitude: 15,000 feet Maximum shipping altitude: 35,000 feet Included Software
OS X Mountain Lion Includes Mail, Messages, Contacts, Calendar, Safari, Reminders, Notification Center, Notes, Dictation, iCloud, Time Machine, FaceTime, Photo Booth, AirPlay, Game Center, the Mac App Store, iTunes, Gatekeeper, Twitter and Facebook integration,5 and more. Learn more about OS X Mountain Lion
iLife Includes iPhoto, iMovie, and GarageBand. Learn more about iLife
Limited Warranty and Service Your MacBook Air comes with 90 days of free telephone support and a one-year limited warranty. Purchase the AppleCare Protection Plan to extend your service and support to three years from your computer’s purchase date. Only the AppleCare Protection Plan provides you with direct telephone support from Apple technical experts and the assurance that repairs will be handled by Apple-authorized technicians using genuine Apple parts. For more information, visit Apple Support or call 800-823-2775.
In the Box MacBook Air 45W MagSafe 2 Power Adapter, AC wall plug, and power cord Printed and electronic documentation Configure to Order Configure your MacBook Air to order with these options, only at the Apple Online Store: 2.0GHz dual-core Intel Core i7 (Turbo Boost up to 3.2GHz) 8GB memory upgrade 256GB or 512GB of flash storage 2.0GHz dual-core Intel Core i7 (Turbo Boost up to 3.2GHz) 8GB memory upgrade 512GB of flash storage MacBook Air and the Environment Apple takes a complete product life cycle approach to determining our environmental impact. Learn more
MacBook Air is designed with the following features to reduce its environmental impact: BFR-free PVC-free6 Highly recyclable aluminum enclosure Meets ENERGY STAR 5.2 requirements Rated EPEAT Gold7