609 Disputes

• Purchase a credit dispute letter online for as little as $49
• 609 Disputes claim they offer the “ONLY” dispute letters proven to get accounts deleted permanently even if they’re valid
• Traditional credit repair letters from high-end firms can cost anywhere between $500-$800 so this may be worth trying for only 50 bucks

The 609 Disputes service includes 14 credit dispute letters the are developed by expert credit repair attorneys and have been proven to get the following negative credit items removed permanently from a given credit report.  Please note these letters will not dispute whether or not an account is the customers (i.e. this should not be used for identity theft victims).

What type of credit items can be removed as a result of these letters?

• Late payments (i.e. didn’t pay the AMEX card bill one time)
• Foreclosures
• Short sales
• Charge offs
• Repos (i.e. didn’t quit have enough money to afford that brand new Ford Mustang so the repo man came)
• Judgements and bankruptcies

Any questions about the 609 Dispute letters can be directed to a customer service agent via email here (please allow up to 48 hours for a response and maybe longer around tax season).  Please note that the 609 Dispute letters are NOT guaranteed to fix bad credit and only making on time payments over time is a 100% guaranteed way to improve a credit score.

Primary References

1. www.609disputes.com

MAP PrePaid

• Map prepaid reloadable cards are one of the best and most secure prepaid debit card options available, and can be used anywhere Visa is accepted
• Visa recommends that Map card customers put a security PIN on their card so that money will be safe if the card is ever lost or stolen
• One of the biggest advantages of a Map prepaid card is that funds are stored with Visa, meaning that if a Map card is ever lost, the money on the card can still be obtained

Many Map cards do not have the customer’s actual name on them, instead coming with a message like “Happy Holidays” or “Happy Birthday.” Customers will not need to show identification when using these cards, so it’s recommended that the user set up a 4 digit PIN for security purposes (although the customer will still sign their name on the receipt).

MAP PrePaid Comments

• To create a PIN for a Map card, customers need to visit the “Map prepaid” web site, then click “activate my card.”
• Will not hurt or improve a credit score
• Any questions about the MAP Prepaid card can be directed to 866-906-4170

Customers trying to use a Map prepaid card at a gas station will need to prepay for their purchase inside with a cashier. An e-mail address is not required to set up a Map debit card, but it is recommended in case the customer ever needs to reset the password on their account.

Can customers spend more than the balance on a Map prepaid card?

Map prepaid cards can only be used for the amount that’s remaining on the card. The majority of retailers use a “pre-authorization” to ensure that funds are available for purchase. If a customer tries to make a purchase on a Map card that’s more than the available amount, the purchase will be declined.

Primary references

1. www.mapprepaid.com

Kick It With Nick

• No purchase is required to enter and the promotion will end on 8/27/16
• People living in the states of Alaska or Hawaii are NOT allowed to enter
• The value of the grand prize (aka the trip to Punta Cana is listed as $9,750.00)

The Kick It With Nick sweepstakes is open to all legal residents of the lower 48 states and (ii) be between the ages of six (6) and seventeen (17) years old at the time of entry or the Parent of a child who is between the ages of six (6) and seventeen (17) years old at the time of entry.  Employees of Viacom Media Networks (aka the sponsor) are not allowed to enter.  The Kick it With Nick sweepstakes administrator is Ventura Associates International (employees of this firm are not allowed to enter as well).

Kick It With Nick Comments

• Contestants are limited to one entry per day
• The grand prize winner will also take home a $500 Shoe Carnival gift card and $500 spending cash while on vacation at Punta Cuna
• The grand prize winner will be required to take the trip to Punta Cana between the dates of  August 27, 2016 and August 27, 2017

Those who would like to see a list of winners associated with the Nickelodeon promotion or a official copy of the rules should write to: “Shoe Carnival’s Kick It With Nick Sweepstakes” c/o, Ventura Associates International, LLC One Grand Central Place, 60 East 42nd Street, Suite 650, New York, NY 10165.  Please include proper postage, a return address, and the nature of the request.

Primary References

1. www.kickitwithnick.com

Get Quell

• Obtain more details about the Quell 60 day free trial offer
• Quell is billed as a 100% drug free, for widespread relief of chronic pain (the FDA has cleared Quell for 24/7 use)
• The risk free trial offer comes with free shipping so the customer will not have to pay a dime

The Get Quell trial offer is worth a try for those who suffer from chronic pain and the customer will not have to pay a dime for the product unless they decide to keep it (once the 60 days have expired the customer will not be able to return the product).  Try Quell is not intended for use for those who suffer from migraines or headaches and all customers should contact their primary doctor before using the Quell.

Quell Highlights:

• 100% drug free and cleared by the FDA
• Easy to wear (co workers will have a hard time seeing it)
• Quell carries a 2 year warranty against any technical defect
• Doctor recommended and clinically proven PLUS its made in the USA (The Donald would approve)
• Patented OptiTherapy (automatically adjusts dose to deliver optimal pain relief)
• Track therapy and sleep and customize device operation through Bluetooth connection and smart phone app
• Quell can even be purchased at some health care professionals office

When people were asked if the product improved chronic pain 81% of customers said yes while 67% said they reduced the amount of pain medicine they were taking due to Quell.   Any questions in regards to the Get Quell offer can be directed to 800.419.4862.  Please note that Quell is ideal for humans that suffer from back pain, nerve pain, leg and foot pain or those who suffer from arthritis (the product is not designed to help issues with the head).  Quell can be purchased at popular retailers to include Walgreens, Target, CVS, and Brookstone.

Primary References

1. www.getquell.com

Lexus Financial

• Lexus Financial Services is the premier destination to learn more about financing a Lexus, or to manage Lexus financing already in place
• Potential Lexus customers can actually estimate what their payment would be by selecting the vehicle they like, and entering a little bit of personal finance information. The actual APR will vary once the Lexus dealer has terms in place
• Statements on the Lexus finance page are generally about 17 days before the scheduled due date

The “Pay Online” portion of the Lexus financing website lets customers make a payment towards their loan account, see when their last Lexus payment was made, and check the status of a recently made payment. Pay Online is for scheduling a one-time payment for a Lexus. Pay Online for a Lexus is available even if the billing statement hasn’t been received yet.

There is no fee for making a Lexus payment online, but certain financial institutions may charge a fee for an ACH transfer. There is also no limit to the number of payments that can be made each month through the Lexus online payment program. Same day Lexus payment processing ends at 5 p.m. Pacific time, so as long as a payment is made before that time, it will be applied to that day. Customers who want to set up a recurring payment that automatically comes out each month will need to select the “Lexus Auto Check” program.

How Does the Lexus Military Discount Work?

Lexus financing offers a discount to all active duty military personnel, including the Navy, Marine Corps, Air Force, and Coast Guard. Public Health Officers who are detailed to the Army and military reserve and guardsmen who are called to active duty are also included.

• The Lexus military discount also extends to spouses and dependents in many cases

To contact Lexus financing:

• (800) 874-7050

Primary References

1. www.lexusfinancial.com

MO Smart Child Support

• Make a child support payment in Missouri easily online with the Missouri Family Support Payment Center
• A valid e-mail address will be necessary to use Missouri’s online child support payment web site
• When making a Missouri child support payment online, residents will need to enter a case number, or the payment will not be processed and funds will not be deducted from the payee’s account

The Missouri Family Support Payment Center web site is designed for Missouri residents to quickly and easily make child support payments, either for custodial or non custodial parents, or for employers who are needing assistance with Missouri child support payment process.

MO Smart Child Support Comments

• Residents who are having Missouri child support payments deducted from their paycheck can log on to make a payment, but that will not stop payroll deductions
• A payment made through the Missouri child support online portal can be for any amount, but it’s encouraged to be for the same amount each time to avoid delinquency

Missouri will usually take about 5 days to validate a child support payment bank account that has never been used before. No debit card or credit card transactions will be allowed for Missouri child support payments.

What will residents need to make a Missouri child support payment online?

To set up an account for making child support payments in Missouri, users will need to create an account with their name and address, Social Security number, telephone number, case number, e-mail address, and bank account information (like routing number, account number, and type of account  – savings or checking). Only one bank account per user can be authorized to make a child support payment online in Missouri

To contact a representative about a Missouri Child Support Payment:

• MO Family Support Payment Center (MO FSPC), P. O. Box 109006, Jefferson City, MO 65110-9006
• 1-888-761-3665

Primary References

1. www.mo.smartchildsupport.com

U-Haul Dealer

• Access a U-Haul dealer application online or sign in to an already existing U-Haul account
• The service is free to use and is operated by operated by Web Team Associates, Inc. with consent from U-Haul International, Inc
• Customers will need a Username and Password to access the online services

The U-Haul Dealer network application will require the applicants business to be open on Saturdays if they want to become a U-Hauler dealer.  The business must also be based in the United States and once the U-Haul Dealer application has been completed the user will receive an email confirmation that the U-Haul dealer application has been received… the applicant will be contacted by phone within 3 business days by a local U-Haul representative for further information.

U-Haul Dealer Comments

• Applications are not guaranteed to be approved
• Applicants agree to have a credit report pulled on the above identified sole proprietorship, partnership or corporation
• It is not required that the business be open on Sunday (although that is subject to change
• Once approved users will be able to check their commission statements online and connect with other U-Haul dealers
• It is OK for the business to be open 24 hour a days 7 days a week (in fact this may actually improve the odds that the U-Haul dealer application is approved)
• On average U-Haul will pay out 21% commission across all of their product lines (U-Haul claims this is the highest rate in the transport/storage industry)
• Applicants who are approved are encouraged to have their bank account linked to their U-Haul Dealer account for easy payments
• Most small businesses should receive discounted merchant fees

Those who are approved to become a U-Dealer should consider the eMove Storage Affiliate Network which should help most dealers maximize exposure and profit.  Any questions in regards to a U-Haul Dealer account can be directed to a customer service agent at 800-789-3638.

Primary References

1. www.uhauldealer.com

VW Court Settlement

• Obtain more information (including how to file a claim) in regards to the Volkswagen/Audi Diesel Emissions Settlement Program
• Please note this is a proposed settlement over 2.0-liter Volkswagen and Audi diesel vehicles with the United States Environmental Protection Agency (“EPA”), the California Attorney General, the California Air Resources Board (“CARB”), the Federal Trade Commission, and current vehicle owners/lessees and certain former vehicle owners/lessees in the United States
• Both VW owners and lease holders can file a claim

The VW Court Settlement is expected to roll out (aka settlement payments will be made to class members) in the Fall of 2016 pending Court approval.  Any questions in regards to the case can be directed to Volkswagen at 1-844-98-CLAIM.

What cars are involved in the VW Court Settlement? (all of the below named autos are 2.0-liter TDI engine vehicles)

• VW Beetle 2013 – 2015
• VW Beetle Convertible 2013 – 2015
• VW Golf 2010 – 2015
• VW Golf SportWagen 2015
• VW Jetta 2009 – 2015
• VW Jetta SportWagen 2009 – 2014
• VW Passat 2012 – 2015
• Audi A3 2010 – 2013; 2015

Please note that VW owners and lessees will receive a notice by US mail announcing the specific terms of the Settlements and other details in regards to the Volkswagen/Audi Diesel Emissions Settlement.  Certain class members may be eligible for cash money payments and former VW owners must register by September 16, 2016 in order to have a chance at any cash payments.  A variety of VW Court Settlement documents are available for viewing: Class Action Settlement Agreement, Department of Justice Consent Decree, FTC Consent Order, Forms, and Process Overviews.

Primary References

1. www.vwcourtsettlement.com

Pokemesh

• Provides and improves the players Pokemon GO experience by displaying all the Pokemon available around the gamer or in any selected area (i.e. the city of Orange County)
• Free to use and download (available for the Android OS)
• DD

Pokemesh allows players to filter out the Pokemon they are not interested in via the Pokedex (no more of catching the same creature a thousands time), and even allows the player to run the app in background mode which will help reserves the phone’s battery life (which means more Pokemon GO).

Pokemesh Comments

• A Real-Time Pokemon GO Map for Android
• Status: up and running for now
• Pokemesh allows the user to see this map while they’re using their smart phone
• Allows players to donate to Pokemesh via Paypal
• The PayPal donation tab could get them in trouble with Niantic and/or Nintendo and cause them to get shut down
• Niantic and/or Nintendo do not allow 3rd party apps to make money from Pokemon Go at this time

What in the world is this Pokemon Go game?

• Location-based augmented reality game developed by Niantic for iOS and Android devices
• Free to play and highly addicting
• Was released to the general public in July of 2016

Pokemon Go has been downloaded by more than 100,000,000 players world-wide and prides themselves in creating a game that involves physical activity (players actually have to walk around to find creatures… some players use bikes and skateboards to make it from one Pokestop to another).  Some city governments expressed concerns over the game’s security due to crime and accidents.

Any questions in regards to the Pokemesh APP can be directed to pokemeshapp@gmail.com (a toll-free number could not be found).  Pokemesh is constantly updating their content to stay one step ahead of the competition and to avoid being shut down by the haters.

Primary References

1. www.facebook.com/pokemesh
2. www.pokemesh.com

MASS DUA UI Online

• Mass DUA debit cards expire 3 years after the date they were issued, and worker who need a new one will need to call Bank of America (not Mass DUA) at (855) 898-7292 to get a new one
• Massachusetts requires that workers getting unemployment benefits request benefit payments (along with certification they’re looking for work) every single week either online or over the phone
• UI benefits in Mass are taxable income, meaning the person receiving them will be responsible for paying federal and state taxes (but workers can request that taxes be withheld before the benefits are paid out)

Massachusetts workers who have become unemployed through no fault of their own (and who are able to work available for work and looking for work) can use the Mass UI web site to apply for unemployment insurance benefits, request Massachusetts unemployment benefit payment, check the status of a Massachusetts unemployment claim, plus update their phone number or address with the state of Massachusetts.

MASS DUA UI Online Comments

• For employers,the Mass Unemployment Insurance service lets them submit quarterly wage records, make employer contributions to Mass UI, respond to wage and separation information, plus view and protest benefits changes along with many additional services

How long does it take to get unemployment benefits in Massachusetts?

Once a resident applies for benefits, the Mass DUA will send a request for wage information (and reason for separation) to the employer listed on a claim. The employer will have 10 days to respond.  Mass DUA will calculate a benefit amount and send both the employee and the employer a questionnaire about detail information regarding the separation.

• Once a worker is deemed to be eligible for Massachusetts unemployment insurance, they will start receiving benefits within 7 days

To contact Massachusetts Labor and Workforce Development

• Charles F. Hurley Building, 19 Staniford Street, Boston, MA 02114
• 617-626-6560

Primary References

1. www.mass.gov/dua/uionline

Pokefarmer

• Allows Pokemon Go players to farm Pokemon, visit Pokestops, farm popular items, and breed eggs
• Please note this is NOT a free service and is not created by game developers Niantic
• Pokefarmer has more than 260,000 users and a community of more than 2,000,000 helpful posts and tips

Pokefarmer works with Windows Vista – Windows 10 and is super simple to set up.

OK this Pokefarmer sounds like the real deal but how much does it cost? (there are currently 4 different type of subscription plans)

1. 1 month session: best for new players who might not stick with the Pokemon Go game
2. 3 months session: ideal for players who will stick around for a while but will eventually burn themselves out
3. 1 year session: this plan is best for those who play everyday and love the game with a passion
4. Legendary Buddy: Only hard-core Pokemon Go players should pay for this package as it cost around 200 bucks

Some of the more rare Pokemon Go creatures that Pokefarmer will help the gamer catch include: Ditto, Slowbro, Snorlax, Mr. Mimi (this guy is extremely difficult to find), and Kabutops.

Please note the Legandary Buddy plan comes with 2 Sessions, 1 Year, All available Buddybots, All available Tyrants, All upcoming Buddybots, access to the Legendary Forum Usergroup and access to the Legendary Forum & Avatar.  Any questions in regards to Pokefarmer can be directed to support@thebuddyforum.com (for specific questions in relation to the Legandary Buddy plan please be sure to label the subject with “Legendary Buddy”).  The creators of Pokefarmer are based in Germany and can be reached by phone at 49 375 390 99 885 or Fax: +49 32121 377001.  The Pokefarmer head office is based at Bossland GmbH Leipziger Str. 72 08056 Zwickau DE – Germany.

Primary References

1. www.pokefarmer.com

Bank Mobile Vibe

• BankMobile Vibe is a bank account that’s designed just for students, with over 55,000 free ATM locations, special student based money management tools, and more
• The BankMobile Vibe lets students deposit checks straight into their Vibe account by snapping a photo with their cell phone
• There is no minimum opening deposit for a BankMobile Vibe account and no insufficient funds fees will be charged for any transaction (the transaction will just be denied by BankMobile)

There is no monthly service fee for a BankMobile Vibe account if the account holder is a student or if they have a direct deposit of more than $100 posted in that statement cycle. If these conditions aren’t met, there is a $3.95 service fee for each statement cycle. There will be an ATM withdrawal fee of $2.50 for Vibe customers that make a withdrawal at a non-Allpoint Network or non-Customers Bank ATM.

Bank Mobile Vibe Comments

• The “Money Meter” section on BankMobile’s Vibe web site lets account holders track their spending, set up monthly budgets in a number of different categories, monitor overall cash flow, and even view spending history broken down by category
• BankMobile Vibe cards even have an easy “on or off” switch in the Vibe app that protects against unauthorized use, and lets a card be easily stopped and started again

What is the BankMobile Passport Rewards Program?

A Vibe account from BankMobile includes enrollment in Passport, a recognition program that rewards students for making smart money management decisions, and even rewards for academic achievement in school, and overall good financial behavior like saving. Vibe account holders can earn stamps that serve as entries to win $50,000 in the “Student Success” sweepstakes. Vibe Passport rewards points also give access to special Bank Mobile only discounts.

• BankMobile chooses one lucky $50,000 winner every six months

To contact BankMobile about a Vibe account:

• 115 Munson Street, New Haven, CT 06511
• 1-877-327-9515

Primary References

1. www.bankmobilevibe.com

Commerce Bank Activate

• Use the last four digits of a social security number or tax identification number in order to activate a Commerce banking card online
• The activation process should take less than 2 minutes to complete assuming the customer has all the required information on hand
• The 16-digit account number from the card will be needed in order to activate the service

The Commerce Bank Activate service is free to use and is operated by Commerce Bancshares, Inc who is member FDIC (and an Equal Housing Lender).  Those who are having issues or problems activating a Commerce bank card account online can dial 800-453-2265 to speak with an US Based Commerce customer service agent.

Commerce Bank Activate Comments

• Only available to current Commerce Bank customers
• Designed for US-based customers only but can be accessed from overseas
• Can be linked with a Commerce checking account which offers is designed to make banking easier for you and help reach financial goals

Please note when opening a Commerce checking account the customer must have a minimum balance of $500 Direct Deposit OR 30 Debit Card transactions during the month ($100 to open) in order to avoid a nasty service charge.  If Commerce checking account customer do not meet one of the above criteria they will be charged a costly $8 monthly service charge which will be directed debited from their checking account.

Commerce Bancshares, Inc.

• Kansas City based financial holding company
• Founded in 1865 as the Kansas City Savings Association by Mr. Francis Reid Long (May 19, 1812 – June 22, 1881)
• Publicly traded company and can be found on the NASDAQ stock exchange under ticker symbol CBSH

Commerce Bancshares, Inc. has over 20 billion US Dollars in total assets and employs more than 4500 people.  The firms corporate office can be found at 1000 Walnut Street Kansas City, MO 64106 and reached by phone by calling 816-234-2000 (please do not call this number in regards to the Commerce Bank Activate service).

Primary References

1. www.commercebank.com/activate

Bluebird Activate

• Logon to activate and begin using an American Express Bluebird card
• Bluebird can be used just like a traditional bank account, with features like direct deposit, ATM access, bill pay, and mobile check deposit (depositing a check in the account by taking a picture with a cell phone)
• Bluebird activation kits are sold only at Walmart and on the Bluebird service

Bluebird cards can be activated online, and will be ready to use as soon as they’re activated. Before a Bluebird card can be activated, users will need to create an account with a valid e-mail. After registering, the user’s personalized Bluebird card should arrive within 7 days.

Bluebird Activate Comments

• The Bluebird card from American Express is an easy alternative to a regular bank account
• To get a Bluebird account, applicants must be at least 18 years old, must have a Social Security number, and must reside in the United States
• For a Bluebird family account, cardholders must be at least 13 years old

Setting up direct deposit to a Bluebird card can help users get their money as much as two days faster, and is more secure than getting paid by paper checks. Users do not need a canceled check to set up Bluebird direct deposit.

More information about the Bluebird card

• Bluebird account do have the same FDIC insurance that most other prepaid cards do not (but most banks do), and Bluebird does offer check writing capabilities
• Any questions in regards to the Bluebird Activate process can be directed to 1-877-486-5990

The Bluebird card was started in 2012, and works similar to the popular Green Dot card. Bluebird is issued by American Express, so cardholders even get some of the same access as regular AmEx card holders like increased identity theft protection and roadside assistance. Cardholders can get Social Security, military, or other government checks deposited straight to  their Bluebird card.

Primary References

1. www.bluebird.com/activate

My Kennedy Benefits

• Kennedy Health offers an online portal for employees to manage their insurance benefits
• Once employees visit the Kennedy Health online services portal for the first time, they will be asked to create a new password (after first logging in with their temporary password)
• Information presented on the Kennedy Health employee web site related to insurance plans and policies is not an attempt to sell services
  

To log in to Kennedy Health online benefits service portal, the username is KENNEDY followed by the employee’s six digit ID number (ie KENNEDY112233. If a Kennedy Health employee has an ID number that’s not six digits long, they need to use leading 0s (ie KENNEDY012345). Kennedy Health employees can find their ID number either on their paycheck or via the “Performance Manager” portal.

My Kennedy Benefits Comments

• The initial password to login to “My Kennedy benefits” is the employee’s date of birth followed by the last 4 digits of their Social Security number
• Kennedy Healthcare has around 5,000 employees, and offers benefits like an employee wellness program, online educational partnerships, a 403(b) matched savings plan, a cash balance pension plan and more
• Users will not be charged an annual fee for using this online health service

More Information About Kennedy Health

• In 2014, U.S. News & World Report named the Kennedy Healthcare system one of the best hospitals in the USA
• Philly.com named Kennedy Healthcare as one of their “Top Workplaces” for three years in a row (2013, 2014, and 2016) based on employee feedback
• To contact a representative about Kennedy Health benefits please dial 877-837-5017

Kennedy Health is an entire healthcare system today, but began in Stratford, N.J.  in 1965 as a small facility with less than 100 beds (called John F. Kennedy Memorial Hospital). In 1977, Kennedy became affiliated with the University of Medicine & Dentistry of New Jersey.

Primary references

1. www.mykennedybenefits.com

Free Annual Report

• The Free Annual Report web site gives customers the chance to get their credit report from one of the three major agencies (EquiFax, Experian, and TransUnion) completely free, with no hidden fees to pay
• Premium service (just under $40 a month) comes with $1 million identity theft insurance plus daily credit monitoring
• Checking credit with Free Annual Report helps make sure that customer get the lowest interest rates on automobile loans, mortgages, and credit cards

The Free Annual Report web site offers premium “Plus Access” to dedicated credit specialists that can provide financial guidance and support. A free 7 day trial of Plus Access is available, with a monthly membership of $39.95 charged automatically if customers choose to remain members of the service.

Free Annual Report Comments

• Credit reports from Free Annual Report are provided instantly, but these reports do not come with actual credit scores
• Credit scores from Free Annual Report are a part of Score Sense premium service
• To cancel a subscription to Free Annual Report services, customers can write to 4447 North Central Expressway, Suite 110 PMB 406, Dallas, TX 75205
• Great credit score are considered 780 or higher
• The users can reach out to US Based credit specialists to help decipher a credit score and report
• Checking a credit score will NOT hurt a credit score regardless of what one might read via online forums

How often can people use the Free Annual Report web site?

Customers can request a free credit report from “Free Annual Report” once every 12 months from each agency, meaning that if a customer spreads their requests out over one agency every 4 months, they can get a free credit report 3 times a year (while requesting one time a year from each agency).

• Checking a credit score with Free Annual Report will not lower a customer’s credit score
• To contact a representative of Free Annual Report.com 1-800-972-7204

Primary References

1. www.freeannualreport.com

401k Fidelity Login

• Access or enroll into a 401k plan online today
• The sooner a person starts a 401k plan the better as money will pile up over time
• Users can also read up on 401k Insights which is published by Fidelity Interactive services

401k Fidelity Login services is operated by Fidelity Brokerage Services LLC who are based at 900 Salem Street, Smithfield, RI 02917.  Please note the 401k Insight service and FICS selected content is not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by any Fidelity entity or any third-party.

401k Fidelity Comments

• New investors will have to register with a valid email address and date of birth
• Those who have previously registered with Fidelity.com, NetBenefits, or eWorkplace will not have to go through the bothersome registration process again
• Those who want to take money out of their 410 Fidelity account will have to check their company’s plan rules in order to avoid a penalty
• The annual IRS limit for 401(k) contributions is $18,000 for 2016 but workers who are 50 years of age or older can play catch up and add an additional 6k to their 401k account

Any questions about the 410k Fidelity investment service can be directed to a guidance representative at 888-503-7526.  Investors having problems accessing the 401k service should dial 800-835-5095 anytime between 8:30 a.m.- 8:30 p.m. Monday – Friday.

Primary References

1. www.401k.com fidelity login

Account Access Edward Jones

• Edward Jones Financial customers can log on to the “Edward Jones Account Access” portal to manage their account
• To enroll an Edward Jones account online, users will need to make sure they have their Edward Jones account number, and will need to enter their personal information (like birth date and Social Security number) for verification purposes

The Edward Jones online account access portal gives customers 24/7 access to their account, including instant access to your investment information, news about markets, resources for researching potential new investments and more.

With Edwards Jones online account access, customers can view Edward Jones accounts, find historical account statements, see investment trade confirmations and print Edward Jones tax forms, plus securely share financial documents and messages with a financial advisor, transfer funds to or from an Edward Jones account online, create a watch list for stocks to follow, and review the Edward Jones Stock Focus List, daily market commentary, headline news and company news.

Account Access Edward Jones Comments

• Edward Jones online bill payment service, does require an Edward Jones investment account with either a money market fund or an insured bank deposit program
• There is a $4.95 per month fee to use Edward Jones Bill Pay
• If a household with an Edward Jones account has assets that are greater than $250,000 this fee may be waived.

More Information About Edward Jones

• 8 times from 2002 to 2014, J. D. Power and Associates called Edward Jones the firm with the “Highest Investor Satisfaction”
• To contact Edward Jones about online account access please dial 800-441-5203

Edward Jones financial was founded in 1922, and has their headquarters at 12555 Manchester Road, Saint Louis, MO 63131 today. Edward Jones current has a branch network of over 12,000 locations, with almost 7 million clients (and more  than $900 billion in asset that are under management all around the world). Edward Jones focuses almost solely on individual investors and small-business owners.

Primary References

1. www.accountaccess.edwardjones.com

PNC Home HQ

• The PNC Home HQ web site is designed for customers to handle everything related to a home purchase through a PNC Home Loan or a refinance loan through PNC
• With PNC Home HQ, mortgage applicants can upload documents required to complete their PNC home loan application from any desktop computer, laptop computer, mobile device, iPad or Apple tablet
• Home HQ from PNC Bank also lets customers make a payment on their PNC mortgage, see the total remaining balance on their home loan, and request help if they’re having trouble paying a PNC mortgage

PNC’s Home Insight Tracker gives applicants the status of their mortgage application in real-time, so customers always know where they stand in the process. One of the most popular features of PNC Home HQ is the ability to sign up for e-mail or text alerts when a home loan application reaches certain milestone points.

PNC Home HQ Comments

• For customers looking to refinance their home loan with PNC to get a lower payment, the PNC Home HQ has tools and resources to compare two loans to see which one is really the best deal
• A refinance checklist to make sure the process goes as smoothly as possible, and a home lending calculator to find out how much a mortgage with PNC really will cost

More about PNC Bank

PNC Bank acquired their mortgage division through a merger with National City Bank. PNC had originally sold their mortgage division to Washington Mutual in 2001 due to the housing market being unstable and the fact that it was high at the time.

• National City Mortgage was well-known for their trouble with subprime mortgages, but PNC has said they have no plans to deal with subprime mortgages

To contact the PNC Home Lending Center:

• 1-877-508-3339
• 300 Fifth Avenue, The Tower at PNC Plaza, Pittsburgh, PA, 15222

Primary ReferenceS

1. www.pnc.com/homehq

HGTV Blog Cabin

• Enter the overrated Blog Cabin sweepstakes one a day from August 8, 2016 until 5:00 p.m. ET on September 26, 2016
• A list of the official rules that govern the promotion can be obtained by writing to: DIY Network Blog Cabin Giveaway 2016 – Rules Request, PO Box 51573, Knoxville, TN 37950 (entitle the mailing “rules request”)
• Any mechanically reproduced or hand-stamped entries or mailing labels or entries generated by script will be void

In order to enter the HGTV Blog Cabin sweepstakes the contestant must be 21 years of age or older and a legal resident of the United States of America.  Sponsors of this promotion include HGTV, Sherwin-Williams Paints, Quicken Loans Inc., Kohler, Cabinets To Go, LLC, James Hardie Building Products Inc., Lumber Liquidators, Inc., and Jon Deere.

HGTV.com/BlogCabin Comments

• The grand prize draw will be held on or around 10/6/16
• The winner will have 5 days to claim the prize
• The total value of all prizes to be given away during the course of the promotion equals almost 1 million dollars! ($961,172 to be exact)
• The administrator of this popular promotion is Ritway, Inc. who are headquartered at 1463 E. Weisgarber Road, Knoxville, TN 37909.

This sounds all good but what in the world is the grand prize?  The HGTV Blog Cabin grand prize is actually quit amazing… the grand prize consist of a brand new home based in Panacea, Florida (this is the same home that was featured in “DIY Network Blog Cabin Gulf Coast Escape”), $50,000 in cash (this will help pay for property taxes), a brand spanking new 2016.5 Mazda CX-5, and a John Deere Compact Utility Tractor (the new car is valued at around 33k while the tractor is valued at 22.7k).

Contestants can also enter via US Mail by writing to: “DIY Network Blog Cabin Giveaway 2016, PO Box 52628, Knoxville, TN 37950”… please include proper postage and make sure they are postmarked by September 26, 2016 and received by October 3 2016.

Primary References

1. www.hgtv.com/blogcabin