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32 ON THE WEB WEBSITES TO GET TO KNOW. FAXZERO lets users send and receive faxes through their email. FaxZero lets users send a fax to any fax machine in the United States (including Puerto Rico) or Canada for free. Users don't need a fax machine, but they do need a valid e-mail address. First fill out the fax form. Be sure to include a valid e-mail address. Type the text of the fax or attach a file, then click the Send Free Fax Now button. FaxZero will then attempt to deliver the fax. Users will receive an e-mail message to let them know when it's delivered. How does that email come off to readers? Plug it into HEMINGWAY'S site to get the breakdown. e site helps users identify problems within the email including long, complex sentences and common errors or sentence is so dense and complicated that readers will get lost trying to follow its meandering, splitting logic. Additionally, the site highlights options for shortening words, eliminating adverbs for better verbs, and finding passive voice. It's as simple as pasting the email copy into the site and editing away. Link credit cards, bank accounts, and loans to the site, and users will have a total online system that tracks their spending, saving, and financial health. It's free and easy to get started, and MINT connects to almost every US financial institution connected to the internet. In just minutes, users will see where their money is going and get ideas on how to stretch it farther. Additionally, Mint automatically updates and categorizes user information in real time. ey will crunch the numbers as they happen so users always know where they stand. HEMINGWAYAPP.COM 2 FAXZERO.COM 1 MINT.COM 3 WRITE-OFF RATES RETURN TO PRE- CRISIS LEVELS June 2016 Equifax National Consumer Credit Trends Report found the first mortgage write-off rate in the U.S. to be 3.3 basis points of outstanding balances, while the total number of first mortgage defaults in June was 17,909, the lowest since January 2007, according to an announcement from Equifax, Inc. "e backlog of foreclosures from the financial crisis finally appears to be waning and write-offs are returning to historically- normal levels," said Amy Crews Cutts, senior vice president and chief economist at Equifax. "Rising home values have helped significantly, as have improving labor markets. Given the low inventory of homes for sale and the overall improving credit profile of the U.S. consumer, we expect home sales to maintain the upward trend we've seen in the first half of the year and for mortgage default performance to continue its downward path." e report stated that while the overall U.S. first mortgage write-off rate returned to historic lows, some areas remain elevated. e write-off rate in Puerto Rico is three times higher than the national average at 12.9 and Nevada's rate is twice as high at 6.6 basis points. For Home Equity Lines of Credit (HELOC) and home equity installment loans, the report says write-offs, as a share of total balances, for year over year there was a slight increase in home equity installment loan write- offs from 7.6 basis points to 8.0 basis points as well as a decrease in home equity revolving lines of credit from 4.0 basis points to 3.4 basis points. In regards to first mortgages, Equifax states that the severe delinquency rate, a share of balances 90-days past due or in foreclosure, is 1.40 percent which is down from 2.07 percent in June 2015. Likewise, as of June 2016, the total number of first mortgages outstanding is 49.8 million. at is an increase of 0.7 percent from June 2015. Additionally, the total balances outstanding on first mortgages are $8.33 trillion, a year-over-year increase of 2.8 percent. For Home Equity Lines of Credit (HELOC), it was shown that the severe delinquency rate (as a share of balances 90-days past due or in foreclosure) is 1.28 percent as of June 2016, down from 1.45 percent in June 2015 and the total number of outstanding HELOCs is 10.9 million, a year-over-year decrease of 3.4 percent from June 2015. It was also shown that the total balances outstanding on HELOCs in that same time is $486.5 billion. is was a decrease of 3.5 percent.

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