Bank of America NY Refund

• The MasterCard-branded prepaid debit card is now issued by the New York Tax Department in regards to income tax refunds
• This debit card can be used as cash and is NOT a credit card (meaning it will not effect the holders credit score)
• The state of New York has started using these debit cards because they are more flexible alternative to paper check refunds and easier to use

The Bank of America NY Refund service is free to use and news users who just received their refund card will have to activate it online.  Please note that this pre paid debit card is optional and citizens can still request a paper check from the New York State Tax Department if desired.  In order to receive a Bank of America NY Refund card irt must be requested at the time of filing taxes otherwise the person will receive a check by mail.

Bank of America NY Refund Comments

• Ideal for people who dislike paper checks and the time they waste (plus paper waste)
• Funds can be accessed 24 hours a day, 7 days a week and customers can obtain cash at any ATMs and PIN-based point-of-sale (POS) terminals
• The card can be used anywhere MasterCard debit cards are accepted
• Users do not need a BOA account as a Bank of America account will be created in the person’s name in the amount of the tax refund
• This is not a permanent account and once the funds have been used the account will be discontinued
• Tax payers who mistakenly received a BOA NY refund debit card and want to change to a paper check should NOT activate the card

Any questions about the Bank of America NY Refund card can be directed to the BOA US-based call center at 1.888.373.2881 (voice), or TTY 1.866.656.5913. Outside the U.S., call collect at 423.262.1650.

Primary References

1. www.bankofamerica.com/nyrefund

My Free Gas Reward

• When customers use the My Free Gas Reward website to shop online and make a purchase from qualified merchants (over 400 different ones are available),  a 5% “Gas Back Reward” is credited to the customer’s account
• Gas rewards from “My Free Gas Reward” can be redeemed once the customer hits $25.00 in their account. When customers redeem their gas reward, they simply choose the gas station (like Exxon, Shell, or BP), and they receive a gift card from that station
• There is a limit of $50 that can be redeemed from My Free Gas Rewards at once

Shopping through the My Free Gas Reward portal doesn’t cost the customer anything extra, the customer just earns point for every purchase they make. Purchases must be made through the myfreegasreward.com portal, as going straight to the merchant’s web site won’t accumulate any gas rewards points. Merchants generally give commissions when a web site refers a shopper, and My Free Gas Rewards passes these commissions on to the shopper.

A sample of merchants available to shop from include Sears, Target, Macy’s, AutoZone, Omaha Steaks, Ace, and Travelocity. No more than one free gas rewards card can be redeemed every 6 months. My Free Gas Rewards is owned and operated by Exclusive Incentive Marketing Inc.

How long does it take to earn gas rewards points via My Free Gas Rewards?

• Gas rewards points usually take about 90 days to credit because merchants don’t pay out commissions until the potential for the customer to return the item and receive a refund has passed

Once a valid purchase is made, it is usually credited the the customer’s gas rewards account within 90 days. Customers know points have been credited when a transaction moves from “pending” to “available” (which usually takes less than 6 weeks). Purchases usually show up as pending within 7 days.

To contact My Free Gas Rewards:

• 9420 Reseda Blvd. #800, Northridge, CA 91324
• (800) 939 – 0140

Primary References

1. www.myfreegasreward.com

Any customer who got a debt notice in the mail from United Recovery Systems may be eligible to receive free compensation thanks to a new class action lawsuit. The URS lawsuit claims that sensitive customer information like Social Security number and date of birth could be accessed by a code that was visible in the envelope window. URS argues that no customer information could be found through that number, but has settled this case out of court anyway.

URS Settlement Comments

• To be eligible to receive compensation from the URS class action lawsuit, customers will need to complete and submit a valid claim online or through the mail
• Write to Ebner v. United Recovery Systems Claims Administrator, 1801 Market Street, Suite 660 Philadelphia, PA 19103
• For any questions about the lawsuit via phone please dial (215) 364-5030

A final approval hearing in the class action lawsuit against URS will be held September 7, 2016, and if the judge approves the settlement (it’s expected to be easily approved), checks from URS will be mailed out to eligible claimants within two weeks. If people want to mail a claim in, the claim in the URS class action suit must be received by August 16, 2016.

How much will customers get from the URS lawsuit?

URS has agreed to pay a total of $500,000 in settlement funds, which will be distributed among all eligible claims, so the end total for each customer depends on how many claims are received.

Primary references

1. www.urssettlement.com

Aaron’s WWE

• Ever dreamed of attending a WWE pay per view event?  Enter the Own the Ring sweepstakes for a chance to fulfill this lifelong dream
• The Aaron’s WWE Own the Ring promotion will run from 7/18/16 and ends 11/28/16
• Contestants can enter online or at any Aaron’s store (no purchase is required in order to enter)

The Aaron’s WWE promotion is open to legal residents  forty-seven (47) United States and DC (sadly people living in Hawaii, Minnesota, and Wisconsin are not allowed to enter) MN and WI that are the age of majority in the applicable jurisdiction of residence.  The sponsor of this promotion is Aaron’s Inc. and employees of Aaron’s are not allowed to enter.  Aaron’s Inc is headquartered at 400 Galleria Parkway S.E., Suite 300, Atlanta, Georgia  30339.

Aaron’s WWE Comments

• Contestants living in the states of Alabama (Roll Tide!) and Nebraska must be 19 years of age or older and people living in the state of Mississippi must be 21 years of age or older in order to enter this promotion
• A list of winners can be obtained between the dates of 12/1/16 through January 15, 2017
• The grand prize draw will take place on November 30, 2016
• The winner MUST be able to travel to attend the WWE PPV event or a new winner will be selected
• The potential Prize Winner will be notified via telephone and/or email within two days after the drawing date and will have only 3 days to claim their glorious prize
• The WWE PPV event in will be held at Pittsburg, PA on December 18, 2016 (subject to change)

To obtain a list of lucky winners associated with the Aaron’s WWE promotion please write to: Compliance/”Aaron’s Own the Ring” Sweepstakes Winner List, 106 Elm St, Stonington, CT 06378… please include proper postage with a return address.  Please note the Aaron’s WWE winners list will only provide the name and city/state of the winner(s) items like the winners phone number, email address, and mailing address will NOT be shared.

Primary References

1. www.aarons.com/wwe

Avis AMEXMR

• American Express Rewards Members customers can use their AmEx points to rent a car from Avis and pay nothing out of pocket
• A maximum of 3 certificates may be applied to one Avis rental, a maximum value of $400
• Renters under the age of 25 can rent an Avis car with American Express rewards points, but they may need to pay out of pocket insurance charges

To use Avis AMEXMR rewards points to rent a car from Avis, customers just need to check rates and availability first, then enter the date, time and location they’re looking to rent to see what vehicles are eligible and how much they’ll cost. Next, Avis renters just need to complete the “American Express Membership Rewards” redemption process to get their Avis rental certificate.

Avis AMEXMR Comments

• When customers get this certificate number from American Express, they just enter their dates and times again (along with location), and finish the rental process
• Customers who rent frequently from Avis may want to sign up for an “Avis Wizard” account, which saves their personal information, so it doesn’t need to be entered each time they rent

How to cancel an Avis reservation when it was paid for with AmEx points

To change or even cancel an existing Avis reservation that was made with American Express rewards points, customers will need to enter their last name and the confirmation number they received at the time of booking. Any Avis cancellation that is being made within 48 hours of car pickup time will need to be made over the phone. When the reservation is canceled by Avis, the points will be returned to the American Express rewards account within 5 business days.

To contact Avis about an American Express Membership Rewards reservation:

• Please dial toll free 1-800-962-1434
• Write to P.O. Box 699000 Tulsa, OK 74169-9000

Primary References

1. www.avis.com/amexmr

VW Credit My Account

• Access the Volkswagen Credit’s “My Account” service online with a username
• The service is free to use for all Volkswagen owners
• Provides online payments tools, account management tools, paperless in voicing and the ability to update information in relation to a VW account

The VW Credit My Account service requires a valid email address at the time of sign up and those who are wishing to obtain information in regards to the proposed 2.0L TDI Settlement should go here.  When registering for a VW Credit My Account the customer will also have to provide their name along with their VW account number (this number will be 9 digits in length and located on the customers invoice under ‘Customer Information’).

VW Credit My Account Comments

• A must for all Volkswagen customers
• Operated by VW Credit, Inc
• Customers can view special offers via the service

Current special offers via the VW Credit My Account page includes a Passat for $209 a month for 36 months, Jetta for $159 a month for 36 months, and an eye catching VW Beetle for $209 a month (please note all of these offers are after the $1000 promotional VW credit has been applied).

Volkswagen AG

• Wolfsburg, Germany car manufacturer
• Popular with liberals
• Specializes in passenger cars but also manufacturers vans, trucks and buses for commercial uses

Volkswagen AG was founded in 1937 by the German Labour Front (DAF)… today the firm employs more than 550,000 people and produces more than 9 million cars every year.  The VW corporate office is headquartered at Berliner Ring 2, Wolfsburg 38440,Germany and the firm can be found on the Frankfurt stock exchange under ticker symbol VOW3.  Popular autos manufactured by VW include the Beetle (very popular with the young, hip, liberal), Golf (see the Beetle), Touareg (geared towards people who love the outdoors), and the ever popular Jetta.

Primary References

1. www.vwcredit.com/myaccount

A Better Way To Retire

• The “A Better Way to Retire” website is a service of Austin Capital, and is designed to give customers all the information they need to make smart decisions related to their personal retirement accounts
• One of the biggest rules that Austin Capital promotes to their customers is to never leave retirement money on the table, and to take full advantage of any incentives to earn more retirement income

Austin Capital knows that being informed is crucial to having a successful retirement plan, so they’re out to provide retirement account customers with up to date technology and data to gain insight to their retirement. Austin provides unbiased financial information to help customers stay aware of what’s going on financially around the world.

People who transition from one job to another often have the chance to roll over their 401K program, and Austin Capital breaks down exactly the best way to handle that transition.

Austin Capital assists both individuals who are planning their own retirement, and corporations who want to establish effective retirement plan solutions for their employees.  Individuals looking for more assistance can even speak with one of Austin Capital’s dedicated financial advisors to receive personalized help.

How does Austin Capital help retirement customers?

Austin Capital helps people planning their retirement account in several areas, like having dedicated news pages for real estate, investments, economy, and more. There’s even a special newswire for information related to 401K plans (like tips on how to have an ethical 401k).

• One section of Austin Capital’s website shows how retirement plans will change in 2016, like the introduction of the MyRA, no more claiming Social Security twice, a bigger saver’s credit threshold, and higher Medicare Part B premiums for some people

To contact Austin Capital:

• Call 214.624.1000
• Email info@austincapitalllc.com

Primary References

1. www.abetterwaytoretire.com

Membership Rewards Card Fees

• American Express Membership Rewards Program gives the most loyal AmEx customers the chance to rack up points to spend on great rewards
• To earn AmEx Membership Rewards points, customers will need to use their AmEx card at an eligible location. Customers usually earn one point for every one dollar charged. Customers must then pay the amount due on their account statement on time to earn the points
• With certain cards like the Gold Card for Ameriprise Financial, customers have the chance to earn extra rewards points for purchases

American Express does have the right to change Membership Rewards program terms at any time, like changing the number of points customer earn for spending, changing the number of points that is required to get a certain reward, imposing different caps or fees on earning (or using) points, and increasing annual program fees.

Membership Rewards Card Fees

• Points can be used for travel (like an Air BnB gift card or a hotel stay at a resort, including Aria in Las Vegas), for products (like a GoPro camera, Taylormade golf clubs, Samsonite luggage, or an Apple Watch), or for entertainment like an AMC or Cinemark gift card
• Any returns or credits will not reduce a rewards count, but will just take away the number of points that were initially earned
• Customers who want a certain AmEx reward but haven’t yet earned the points they need can purchase extra points at 1,000 points for $25

What purchases are not eligible for American Express Membership Rewards points?

Some American Express purchases aren’t eligible to earn Membership points like cash advances or balance transfers, corporate express cash, purchases made with AmEx points, purchasing American Express travel checks, purchasing reloadable or prepaid cards, and any card account fees (think late payment fees, annual fees, or interest charges). To contact American Express about their Membership Rewards Card Fees program please dial 1-800-297-3276.

Primary References

1. www.membershiprewards.com/cardfees

ComFi

• ComFi is the leading online source for international calling cards with a variety of options for all customers and countries
• With ComFi’s affiliate program, customer can create their own online phone card store and build their own sales network to increase their income
• When customers use ComFi, they can save up to 95% on international calling cards (which are delivered on screen instantly, meaning there’s no waiting for the mail)

To get started purchasing a ComFi calling card, customers just need to select they county they want to call, choose the county they’ll be calling from, and then select the card that best fits their needs. The card will be displayed right away after purchase, and is ready to be used right then. When customers buy a phone card from ComFi, they will need to register an account with a valid e-mail address, as that’s how the PIN information will be sent. Registering a phone number with ComFi makes the process go more quickly as well, giving customers the opportunity to start using their card as soon as possible.

ComFI Comments

• They offer more than just calling cards, including PINless dialing, where customer can register the phone numbers they call from online and use their phone cards each time without having to enter a PIN to make a call
• There are even Au Pair and Nanny calling cards for child caretakers and their host families working and living overseas
• To make things easier for customers, ComFi has a Boston, Mass. based customer service office
• The ComFi customer service team can be reached at all (800) 219-6993

What kind of calling cards are available from ComFi?

ComFi has specially designed military calling cards that are perfect for military members, their spouses, and their family members and friends. Cards from ComFi are also perfect for students studying abroad.

Primary References

1. www.comfi.com

M&M’s Movie Offer

• Claim a M&M movie reward from June 13, 2016 through December 31, 2016
• In order to play this game/reward program contestants much have access to a wireless mobile device that is capable of two-way SMS messaging or have the ability to send and receive an email
• The M&M’s Movie Offer promotion is sponsored by Mars Chocolate North America LLC and Fandango Loyalty Solutions, LLC (employees of these firms are NOT allowed to participate in this reward promotions)

The M&M’s Movie Offer demands the customer purchases 3 specially marked M&M’S Brand Products (9.4 oz. or larger) or 1 specially-marked M&M’S Brand Chocolate Candies (56 oz.) in a single transaction and then take a picture of the receipt with their phone.  Once the photo has been secured the contestant will want to email it to redeem@mmsmovieoffer.com or send it via a text message to 811811 using MOVIE as the keyword (please note the sponsors will not pay for any charges that are incurred from the contestants wireless company when sending the text message).

mmsmovieoffer.com FAQ

• Each Reward Code is valid for one (1) Movie Certificate redeemable for one admission (up to $12 total value) to see any movie at a participating theater in the U.S
• All reward codes associated with the M&M’s Movie Offer MUST be used by 1/31/17
• Movie Certificates are void if not used within 2 months from the time of online code activation
• Contestants who are dumb enough to misplace or lose their code/ticket will not be able to request a replacement
• Reward Codes and Movie Certificates cannot be sold for a profit and are NOT valid outside the United States
• 30,000 reward codes will be provided during the course of the promotion

Please note in order to participate in the mmsmovieoffer promotion the customer must be 13 years of age or older, a legal resident of the US, and have a good standing email address in which they have access to.

Primary References

1. www.mmsmovieoffer.com

Citibank Promo ePrize

• Enter the Dive Into Digital Sweepstakes for a chance to win $10,000 (this will be awarded in the form of a check and is subject to state and federal taxes)
• Odds of winning a Sweepstakes Prize depend on the number of eligible entries received during the applicable Monthly Entry Period
• The promotion is sponsored by Citibank, N.A. and the administrator is listed as HelloWorld, Inc

The Citibank Promo ePrize instant win game is open to all legal residents of the United States who are 18 years of age or older and are NOT employed by Citibank NA or HelloWorld.  The promotion is divided into three monthly entry periods with the first one starting on 7/1/16 and the last entry period starting on 9/1/16 and ending on 10/12/16.

Citibank Promo ePrize FAQ

• No purchase is required in order to enter
• Contestants can enter via Online/Mobile Browser or via US Mail
• Contestants who enter online are required to be a Citibank account holder and enrolled in Citibank Online
• Only 100 entries are allowed per person regardless of how much money they have in a Citibank account
• There will be 460 instant win prizes given away during the promotion
• The instant win prize will be a A $100 Virtual MasterCard Card
• Contestants are allowed to win 2 instant win prizes but no more
• Instant win prizes will not come with an IRS form since the prize is under $600

Those looking to enter the Citibank Promo ePrize promotion without being a Citibank customer can write to: “Dive Into Digital Sweepstakes and Instant Win Game,” c/o HelloWorld, Inc., P.O. Box 5018, Department 826016, Kalamazoo, MI 49003-5018… please include proper postage and a 3 x 5 index card with the contestants name, address, DOB, phone number, and email address.  Each entry received by mail will be worth a whopping 10 entries.  Total value of all prizes associated with the Citibank Promo ePrize sweepstakes is listed as $76,000… Good Luck!

Primary References

1. Citi.com/DiveIntoDigital
2. www.citibank.promo.eprize.com

My Account Boost Mobile

• Boost Mobile customers can access their account by logging in with their mobile number and their Boost account PIN
• By logging in to their account, Boost customers can make a payment on their Boost account, see how much data they’ve used, and change the features on their Boost plan
• From flip phones to the latest 4G phones, Boost offers everything from the top cell phones with all the features (like the Galaxy S7 0r the LG Tribute 5) to simple, basic talk and text flip phones (like the Alcatel OneTouch Fling)

Customers who have a Boost Mobile cell phone plan can logon to the Boost online account portal to manage their account. A Boost PIN is needed to log in. If a Boost customer doesn’t have their PIN, they can enter their phone number, and Boost will send their PIN.

My Account Boost Mobile Comments

• Free to use for all customers
• Saves time and money
• Payments made through Boost Mobile’s website will be applied to the customer’s account the same business day the payment is made if done with a bank draft

More about Boost Mobile

Boost Mobile was founded in 2000, and has headquarters in Sydney, Australia. Boost was brought to the United States in 2001 as a joint venture with Nextel. When most cell phone companies were not offering unlimited talk, Boost was one of the first in the USA to have “unlimited push to talk” that cost just $1 a day.

• When Boost was first started, it was marketed primarily at young minorities in California and Nevada, often using popular slang in their advertisements
• In 2010, Boost ran a very popular commercial in Chicago where players from the 1985 Chicago Bears recreated the “Super Bowl Shuffle”  as”The Boost Mobile Shuffle”

To contact My Account Boost Mobile:

•  9060 Irvine Center Dr Irvine, CA 92618 Get Directions
• (949) 748-3200

Primary references

1. www.myaccount.boostmobile.com

Royal Caribbean eDocs

• Travelers booking a Royal Caribbean cruise can use the Countdown to Cruise to make sure everything is in line before they depart
• To log in to Countdown to Cruise, customers just need to enter their last name, their Royal Caribbean reservation number, the date of their departure, and the ship they’re cruising on
• Royal Caribbean cruisers will need to use the online check in option no later than three days before their departure date

All guests on a Royal Caribbean ship are required to be checked in at the ship no later than 90 minutes before departure, or they won’t be allowed to sail. Even if customers have checked in, they will still need to present their SetSail Pass, their identification documents (meaning their proof of citizenship) for every guest who is traveling, and a credit or debit card to be used for the onboard expense account.

Royal Caribbean eDocs

• With Royal Caribbean’s “Countdown to Cruise” web site, customers who have planned a cruise can keep track of exactly what they need to be doing at certain points, know when they need to have their documents in, and see when they need to have excursions booked
• In order to view eDocs the customer will have to register for the service with a valid email address
• The customer will not be charged a fee at the time of sign up

More about Royal Caribbean:

• Every ship in the Royal Caribbean brand has “of the Sea” as part of their name (i.e. Liberty of the Sea)
• The newest Royal Caribbean ship is the Ovation of the Seas, which operates in Asia and Australia/New Zealand

Royal Caribbean International was founded in 1968 in Norway, and today they have a fleet of 23 ships (meaning they control just under 20% of the world’s cruise market). The current Royal Caribbean headquarters are at 1050 Caribbean Way, Miami, Florida. Any questions in regards to the Royal Caribbean eDocs service can be directed to (866) 562-7625.

Primary References

1. www.royalcaribbean.com/edocs

Loss Prevention Center

• The National Prevention Center is a free consumer awareness agency that aims to help families stop foreclosures
• When homeowners just enter their e-mail address, they will receive a state specific guide from the The National Prevention Center to avoiding foreclosure in their state
• People who have missed at least one house payment should take pro-active steps (found in The National Prevention Center guide) to stop the foreclosure process before it starts

National Prevention Center is not affiliated with any government agency, but works closely with several (like the FHA and HUD) to help homeowners stop foreclosure against their homes. Foreclosure is very time sensitive, so it’s important for homeowners to get information from The National Prevention Center as quickly as they can. The National Prevention Center guarantees privacy for their customers, and any e-mail addresses will never be disclosed for any other purpose.

Common Foreclosure Mistakes from the National Prevention Center

The National Prevention Center has a list of the most common foreclosure mistakes that people make, including waiting on family and friends to help, thinking the existing home lender will be flexible, thinking that the homeowner’s credit will be ruined, and hoping that the lender will forgive missed payments. Being late on 5 or even 10 mortgage payments is much less detrimental to a person’s credit than losing their house to foreclosure

• The National Prevention Center knows intricacies of foreclosure laws and helps make these laws work for homeowners

To contact the National Prevention Center

• 1529 N Lassen Ave, Ontario, CA
• (909) 545-6364

Home owners who are in immediate jeopardy of loosing their home should select the “I need a quick resolution! Please have a Prevention Center Affiliate contact me within 24 hrs” option and speak with a customer service agent as soon as possible to discuss possible options to avoid foreclosure.

Primary References

1. www.losspreventioncenter.com

Culver’s Splash

• Enter a code associated with the Pepsi/Culver’s Splash Into Cash Sweepstakes between the times of August 1, 2016, at 9:00:00 a.m. Central Time (“CT”) and ends September 4, 2016
• These codes can be found on a 22-oz. Pepsi-Cola fountain beverage (look for the place on the beverage that reads PRIZE CODE) in a specially marked fountain cup at all participating Culver’s
• No purchase is required in order to enter

Please note in order to participate in the Culver’s Splash sweepstakes the contestant must be 18 years of age or older and a legal resident of one of the following states: ARIZONA, COLORADO, FLORIDA, GEORGIA, IDAHO, ILLINOIS, INDIANA, IOWA, KANSAS, KENTUCKY, MICHIGAN, MINNESOTA, MISSOURI, NEBRASKA, NORTH CAROLINA, NORTH DAKOTA, OHIO, SOUTH CAROLINA, SOUTH DAKOTA, TENNESSEE, TEXAS, UTAH, WISCONSIN and WYOMING (these are all states in which Culver’s has a location).

Culver’s Splash Comments

• Contestants are allowed to enter one code per day
• Any codes entered after 9/4/16 will not be deemed void
• The grand prize drawing associated with the Culver’s Splash sweepstakes will be held on September 7, 2016
• Total ARV of all prizes: $60,000.00 with the grand prize being valued at $20,000
• The lucky Culver’s Splash grand prize winner will have 10 days to claim their prize

This sounds good and all but how can contestants enter this sweepstakes promotion without having to purchase a sugar laced Pepsi beverage from Culver’s?  To enter without making a bothersome purchase please write to: Pepsi/Culver’s Splash Into Cash Sweepstakes Code, P.O. Box 760003, Dept 888-7016, El Paso, TX 88576-0003… please include a 3 x 5 index card with the contestants name, address, phone, date of birth, and email address.  In return the contestant will receive a code (please be sure to provide the correct mailing address as this is where the Culver’s Splash code will be mailed to.  Please note contestants are limited to one (1) free Code per request per stamped outer envelope.

Primary References

1. www.culvers.com/splash

Speed Loan USA

• Apply for a loan online with an authorization code
• Speed Loan USA offers loans from nation wide lenders and has a fast approval process
• Bad credit is OK (as long as it’s not to bad)

Loans from Speed Loan USA lenders generally ranger from “4.99% to 34%” and the APR of the loan includes the interest, fees and nominal charges factored into the loan.  Please note that Speed Loan USA does not provide the loan rather provides lenders who will then either approve or deny a loan application.  Generally speaking the shorter the loan the higher the APR (the longer the loan the lower the APR).  Short terms loans with Speed Loan USA are defined as 60 days or less.

Please note that in the event the borrower fails to make payments the loan account may be sent to collection agencies which will result in bothersome phone calls and damage to a credit score. Collection practices vary be lender and will be outlined in the Speed Loan USA agreement.  When finalizing a loan be sure to read over the terms and conditions of the loan to be sure the applicant is not getting hood winked.

This sounds good and all but what is needed to apply for a loan online?

• Full name (the applicants named will be used in a credit check)
• Mobile and home phone (just in case the lender needs to make contact in regards to a late payment)
• Time zone
• Email address
• Loan amount and type

Speed Loan USA offers loans ranging from $200 to $10,000 and in some cases applicants can be approved for loans for more than $10,000 (this will require a high monthly income and good credit).  The type of loan can be an unsecured loan (theses generally come with higher APR’s), Pay Day Loans, Bad Credit Loans, and Personal Loans.

Primary References

1. www.speedloanusa.com

My Trader Joe’s

• Trader Joe’s Crew Resource Member website is designed for Trader Joe’s employees to manage information related to their workday, like checking their timesheet, requesting days off, and more
• To login to the Trader Joe’s employee website, employees just need to enter their TJ crew member number as their user name, and the last 4 digits of their Social Security number as their password

Employees of Trader Joe’s can use the TJ crew web site to act as their communication between themselves and their manager, handling most tasks that a Trader Joe’s manager usually would. The Trader Joe’s crew website is limited to use by employees only, and any unauthorized access by anyone that doesn’t work for Trader Joe’s could be punishable under local laws.

My Trader Joe’s Comments

• Free to use
• Requires a valid email address
• Former Trader Joe’s crew members can still manage their information by clicking on the special link for former Trader Joe’s employees.

More about Trader Joe’s

• Today, Trader Joe’s has over 450 locations across the United States and over 10,000 employees
• A 2008 Businessweek article noted that Trader Joe’s has the highest sales per square foot of any grocery store chain in the United States
• The Trader Joe’s corporate office is headquartered at 800 S Shamrock Ave, Monrovia, CA 91016

Trader Joe’s was founded in 1958 in Pasadena, California, and has a presence in 44 states today (although southern California is their primary focus). The chain is named after its founder, Joe Coulombe. Trader Joe’s receives numerous awards each year, often being called one of the most ethical grocery store chains and ranking among the highest in customer satisfaction. Any questions in regards to the My Trader Joe’s employee service can be directed to the employees HR department or they can contact the Trader Joe’s corporate office at (626) 599-3700

Primary References

1. www.mytraderjoes.com

Valvoline Win 150

• Enter the Valvoline 150 Giveaway sweepstakes to win $15,000 in cold hard cash (the 15k will be awarded in the form of a check)
• The total value of all prizes associated with the promotion is a whopping $192,301.80
• Odds of winning the Sweepstakes Prize depend on the number of eligible entries received during the Promotion Period

The Valvoline Win 150 sweepstakes will run until September 15, 2016 and is open to legal residents of the United States who are 18 years of age or older.  To enter simply provide one of the following keywords: HAPPY150, CELEBRATE150, OR VALVOLINE150 along with a valid email address… as a result the contestant will receive one (1) Instant Win Game play for that day.

Valvoline Win 150 Comments

• The Instant Win Game results will be instantly displayed
• Potential winners associated with the Valvoline 150 Giveaway promotion will be provided directions for validation
• Those who entered the promotion via text and would like the promotion text messages to stop should text STOP to 30364 to opt out
• Anyone who is employed by Ashland Inc. are not allowed to enter and win

To enter via US mail please write to: “Valvoline 150 Giveaway,” c/o HelloWorld, Inc., P.O. Box 5018, Department 825919, Kalamazoo, MI 49003- 5018… please include a 3 x 5 index card with the contestants name, address, phone number, DOB, and email address.

Primary References

1. www.valvolinewin150.com

Promo Submissions

• The Promo Submissions service offers rebates, promotions and special offers from some of the fishing industry leading brands like Penn, Mitchell, Stren, Ugly Stik, and Spider Wire
• To claim a promotion from Promo Submissions, customers just need to enter their personal information, print the rebate form, and mail it in with their proof of purchase
• Customers can check the status of a Pure Fishing rebate submission by entering their house number, last name, and ZIP code. As long as their rebate has been accepted, the site will give information as to when the Pure Fishing rebate can be expected

Some of the promotions from this web site include a $10 rebate on an Ugly Stik purchase, a $5 rebate on a SpiderWire spool, $6 rebate on two Stren spools, and a $15 rebate on a Berkley Saltwater Gulp. A rebate submitted to Pure Fishing should take about 4 to 6 week to receive back, and will require the customer to send in their original UPC from their product purchased.  Some of the more popular fishing firms associated with this rebate include:

• Penn
• Ugly Stick
• Spider Wire

More to Know About Pure Fishing

Pure Fishing is one of the leading providers of fishing tackle, lures, rods and reels in the world. Their portfolio includes some of the most well known names in fishing like Abu Garcia, All Star, Berkley, Chub, Fenwick, Greys, Hardy, Hodgman, Johnson, JRC, Mitchell, Penn, Pflueger, and Sebile.

• Pure Fishing has operations in 19 countries and a workforce that covers 28 different languages all over the world
• Jarden acquired Pure Fishing Inc. in April of 2007 for nearly $400 million

To contact Pure Fishing Inc.

Primary References

1. www.promosubmissions.com

Go Health RX

• Go Health is a prescription cost comparison service that can save customers thousands of dollars by finding the best prices for prescription medicines from both local and mail order pharmacies
• GoodRx and Go Health is not affiliated with any pharmacy that has a price identified in its price comparison tool
• Customers can save even more money by clicking the “Get Coupon” link on certain Go Health prescription listings

After entering their medication name, customers pricing medicines with GoodRx will be given a drop down box to enter their brand (or generic), the form (meaning whether it’s a tablet, cream, pill., etc.), the dosage (usually in milligrams), and the quantity (how many pills). Prices will be shows that match the exact parameters the customer entered.

Go Health RX Comments

• Appears to be a free tool
• For customers who have medicines that aren’t covered under their prescription plan, Go Health is the best way to get the cheapest prescriptions
• GoodRx isn’t offering any medical advice or recommending a specific prescription drug, but is just comparing prices of these drugs for customers

Many medicine manufacturers offer coupons online, but these can be tough for customers to find on their own. If a price listing has “Get Coupon” listed beside it, that means GoodRx has tracked down an online coupon that’s available for this medicine, letting the customer pay even less.

Can Go Health Rx be used with insurance?

• All pharmacies listed with GoodRx are contractually obligated to accept manufacturer’s coupons
• The Health RX headquarters is based at 233 Wilshire Blvd., Suite 990, Santa Monica, CA 90401

Go Health can find prices that are cheaper than a co-pay at times, customers are just asked to check with their insurance company first to make sure a receipt from Go Health can be submitted for coverage. Many insurance plans do let these be added to deductible amounts.  Any questions about the Go Health RX Tool can be directed to 888-799-2553.

Primary references

1. www.gohealthrx.com