My Offers Golden 1

• Customer can apply for the popular Golden 1 Platinum Rewards Visa credit card online
• In order to apply for the Golden 1 Platinum Rewards Visa credit card customers will need the unique code from the pre approved offer
• Applicants who received a pre approval letter should have their application approved instantly

The My Offers Golden 1 promotion provides both a good low rate and easy cash-back rewards that can be earned by using the credit card.  Please note those who do not have a My Offers Golden 1 unique code will not be able to apply for the promotion but can browse other Golden 1 Credit Union cards online.

Benefits of a Golden 1 Platinum Rewards Visa Credit Card?

• No annual fee
• 25 day grace period on all purchases
• Accepted world-wide
• No balance transfer fees
• Lines of credit that can go as high as $50,000 (Credit limits from $2,000 to $50,000)
• Foreign transaction fee is up to 1% of each transaction in U.S. dollars

Plus card holders will earn 3% cash-rebate on gas, grocery, and restaurant purchases, plus 1% cash rebate on all other purchases (these reward points really add up quick and can be used whenever the card holders wants).

Other helpful tips:

• In case the Golden 1 Platinum Rewards Visa Credit Card IS LOST PLEASE DIAL 1-800-VISA-911 ASAP
• Please allow up to 10 business days for the replacement card to arrive
• The Golden 1 credit union has more than 700,000 members and is federally insured by the National Credit Union Administration (NCUA)

Any questions in regards to the My Offers Golden 1 Visa card promotion can be directed to 1-877-GOLDEN 1 (1-877-465-3361) or 916-732-2900 from 7:30 a.m. to 7:00 p.m Monday thru Friday and 9:00 a.m. to 5:00 p.m on Saturday (the call center is closed on Sunday).  Besides credit cards Golden 1 also provided personal checking and savings accounts, online mobile banking, and low-interest loans (both home or car).

Primary References

1. Click here to locate a Golden 1 branch near you
2. www.myoffers.golden1.com

Net Credit Loan

• Apply for a personal loan worth up to $10,000 (some applicants may be allowed to obtain a loan more than $10,000 depending on the situation)
• Applicants can also check their eligibility online (this will not hard a credit score)
• The minimum amount of loan an applicant can apply for is $1000

The Net Credit Loan service allows a borrow to make an application online 24 hours a day, seven days a week.  Online loan applicants can receive an eligibility decision instantly (MOST OF THE TIME), and if approved, funding can be as soon as the next business day.  Please note a customer will need a checking/savings account in good standing in order to obtain a loan from Net Credit.

Net Credit Loan Comments

• Super short loan application
• Should receive an instant decision
• Offers a “chat” service with an online customer service representative (no charge for this)
• Loan payments will be drawn automatically from the customer’s bank account
• All personal loans through NetCredit use simple interest and have no additional or hidden fees
• Borrowers who are late making a payment should call Net Credit collections at (877) 392-2016

Common uses of a Net credit Loan include credit card debt, auto loan, home loan, Home Equity lines of credit (aka HELOC), and vacation loans (i.e. people who take out a loan just so they can visit Hawaii for example).  Please note in the states of Florida, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Michigan, Montana, Nebraska, and Washington all Net Credit installment loans are offered by Republic Bank & Trust Company who is member FDIC.

Any questions About the Net Credit Loan offer can be directed to a dedicated customer service agent at (877) 392-2014 (please have the Net Credit loan number on hand when calling about the status of a loan or a current loan that is outstanding).

Primary References

1. www.netcredit.com/loan

Avant Apply

• Apply for a personal loan from Avant
• Please note when making an application P.O. Boxes will only be accepted for military residences
• Most applicants should provide a physical address (i.e. 123 Music St) or a military P.O. Box

Customers who apply for an Avant personal loan MUST agree to a Credit Report Pull Authorization AND consent to receive calls (most of these calls should be short) to include SMS text messages from Avant regarding their Avant Apply account.  When placing an application the customer will have to provide their name, address, date of birth, and other identifying information.

Avant Apply Comments

• The amount of the loan will depend on a variety of factors to include credit score and annual/monthly income
• Once approved the exact funding time will depend on the borrowers bank (some banks such as Bank of America act faster than others)
• Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday
• Avant recommended loan payments be made with ACH but they also accept Paper Checks, Cashiers Checks, and Money Orders
• Any questions via email in regards to Avant ACH enrollment can be directed to support@avant.com

What people say about Avant personal loans?

• “I loved working with Avant, they were always there to help me. I really needed the money and got it quickly, thanks!” — Jane K., Chicago, IL
• “Getting my loan approved was really quick and I did it from my phone. I’ll be using you guys again.” — Mike W., San Diego, CA

Any questions about the Avant Apply for a personal loan service can be directed to a customer service agent at  800-712-5407.  The main benefits with an Avant personal loan are Fast approval, No hidden or origination fees, the company has served more than 450,000 customers, and has made more than $3,000,000,000 in loans.  Avant will never charge the customer a fee for paying their personal loan of early.

Primary References

1. www.avant.com/apply

JGW Reward Card

• Activate the popular J.G. Wentworth card online in less than 1 minute
• In order to start the activation process the customer must have the prepaid card number
• Once the prepaid card account has been activated the customer can review a balance and recent transactions

The JGW Reward Card activation process will also require the customer to have the 3 digit CVS number and provide their phone number associated with the card.  The JGW Reward Card will come in two colors; green for those who like money and silver.  The green card will display the words “JG Wentworth Cash Now” in the top right hand corner of the card while the silver card will show “JG Wentworth Rewards Card”.

J.G. Wentworth Visa Prepaid Card Comments

• Can be used anywhere Visa is accepted
• Weekly pay checks can be loaded directed to the card
• There is no cost for a J.G. Wentworth Cash Now Visa Prepaid Card when ordering online
• JGW Reward Cards can be loaded at any Western Union or MoneyGram locations
• It is recommend that cardholders use MoneyPass surcharge free ATM’s ONLY as this will allow the customer to avoid a costly ATM fee
• The card can be used to make purchases online at popular retail sites like Amazon and Walmart

Any questions about the JGW reward card activation process can be directed to a customer service agent at (855) 732-9496.  Once the customer has enrolled please allow up to 7 days for their card to be delivered via US Mail.  Please note those who fail to load at least $500 onto their JG Reward Card will incur a monthly maintenance fee of $2.95.

J.G. Wentworth is a Radnor, Pennsylvania based financial service firm that lives by the slogan “It’s your money, use it when you need it!“.  The firm was founded in 1991 and provides direct-to-consumer access to financing needs.

Primary References

1. www.jgwrewardcard.com

Prepaid Citi GM

• Access & Manage a GM pay card account online
• Customers will have to have their username on hand
• New users to the service will have to go through a tiresome but required registration process

The Prepaid Citi GM card service will allow the customer to view recent transactions, check a current balance, print an account statements, and a variety of other account related activities.  The Prepaid Cit GM card service will never charge the customer a fee and the card is issued by Citigroup Inc.

Registering a Citi GM Card?

• Customers will want to have the card on hand
• They will have to provide the 16 digit number which is the number on the front of the GM Pay card
• Customers will also be asked to provide the 3 digit security code which can be located on the back of the card
• The Citi GM Card is associated with General Motors, Chevy, Buick, and Cadillac autos

General Motors is a Detroit, Michigan based car maker with around 400 facilities around the globe.  GM was founded on September 16, 1908 as General Motors Corporation and was based in Flint, Michigan at the time.  GM can be found on the New York Stock Exchange under ticker symbol GM and the firms corporate address is listed as 300 Renaissance Center Detroit, MI 48265 (dial 313-556-5000 to contact the GM corporate office via phone).

Popular autos produced by GM include:

• Chevrolet Spark (standard run of the mill compact car)
• Cadillac XTS Sedan
• Cadillac ELR
• Chevrolet Corvette (high-end sports car popular with middle age men who are having a life mid-life crisis)
• Chevrolet SS Sedan

Those who are loyal GM customers should consider the BuyPower credit card that comes with rewards that can easily be redeemed at any Chevrolet, Buick, GMC or Cadillac Dealers.  BuyPower card holders will also earn 5% back on all purchases on the first $5000 spend (2% after that).

Primary References

1. www.prepaid.citi.com/gm

Privia Bill Pay

• Allows a patient to make a medical appointment payment online
• Patients are allowed to make a one time payment or access an account to set up recurring payments
• To make a quick one time payment please have the QuickPay Code, Statement ID, or Access Code on hand

The Privia Bill Pay service is free to use and by making a payment that person consents that they are authorized to address the patient’s billing matters.  Patients can check their Recent Charges Payable Online under the billing tab… they are listed by date of visit, followed by the patients account balance.

Privia Bill Pay Comments

• Does not charge the customer additional fees
• Accepts are major credit and debit cards
• In order to view and print Privia bill pay statements customers must have Adobe Acrobat installed on their PC

How does one save a credit or debit card in the system for future payments?

Any questions or concerns about the Privia Bill Pay service can be directed to 800-973-1442 or email support@priviahealth.com.  The Privia Medical Group Patient Portal also allows the patient to view upcoming appointments, receive secure messages from the Privia Medical Group staff, and access lab results online.  The system is easy to use and is a must for all Privia Medical Group patients.

Primary References

1. www.priviabillpay.com

Capital One No Hassle Explore Rewards Redeem

• Access a Capital One credit card account online with a username
• Members can explore reward options and redeem a reward online
• This is part of the Capital One Online Banking Credit Cards service

The Capital One No Hassle Explore Rewards Redeem service is free for all Capital One credit card members and members will need to provide a valid email address upon sign up.  Capital One card holders can also make an online payment, check the status of a transaction, print financial documents related to the credit card, and update personal information (i.e. mailing address, phone number).

Popular cash back credit cards offered by Capital One?

• Quicksilver Rewards: designed for consumers with EXCELLENT credit
• QuicksilverOne Rewards: designed for consumers with AVERAGE credit

Both the Quicksilver and QuicksilverOne rewards credit cards offer unlimited 1.5% cash back on every purchase BUT only the Quicksilver card comes with a one-time $100 bonus for new Capital One card holders (please note in order to claim the $100 bonus the member must spend $500 on purchases within the first 3 months of opening the card account).

Other differences between the Quicksilver and QuicksilverOne rewards credit cards?

• 13.24%-23.24% variable APR for the Quicksilver card while the QuicksilverOne card will be 23.24%
• No bothersome annual fee for the Quicksilver card
• Cardholders will have to pay a $39 annual fee for the Quicksilver One card

Ideally those who have a high credit score will want to opt for the standard Quicksilver card as the rewards are better and there is NOT an annual fee.  An average/good credit score will be between 660 to 749 while a good/great credit score will range between 750 to 850.  Those with a credit score over 750 should have no problem being approved for the Quicksilver credit card.

Please note when using the Capital One No Hassle Explore Rewards Redeem service the rewards can come in the form of a check, account credit, or gift card.

Primary References

1. www.capitalone.com/nohassle explore rewards redeem

Samsung Smart View 2

• With Samsung’s “Smart View” app, customers can watch content from a mobile device or a PC straight from their Samsung television
• The Samsung Smart View app is available on Google Play, the Apple Store, or the Windows store
• Smart View app also lets users use their mobile device to control their Samsung TV without a traditional remote control

When users download the Smart View app from Samsung, they can play videos, pictures, or music instantly on their TV, and can create personalized playlists to access all of their content in one place. By adding content to the Smart View folder on a PC, all of the content will play continuously in a loop uninterrupted, and in order.

Samsung Smart View 2 Comments

• To use Smart View, customers will need to have a smart TV manufactured by Samsung and have it connected to the same network as their PC or mobile device
• Once the app is downloaded and opened, instructions will pop up to connect
• Smart View is supported on Android OS devices 4.1 and above and on iOS devices 7.0 and above.

More about Samsung

Founded in 1938, Samsung is one of the most well-known consumer electronics brands in the world.  Samsung has their main headquarters in Seoul, South Korea, and their US headquarters at 85 Challenger Road, Ridgefield Park, NJ 07660. It is by far the largest business in South Korea and was founded by Lee Byung-chul  as a trading company. Today, Samsung has almost 500,000 employees in locations around the world.

• Samsung has an incredible annual revenue, bringing in over $300 billion each year
• The Samsung corporation actually accounts for about 16% of South Korea’s GDP overall, meaning it makes up 1/5 of the country’s exports

To contact Samsung technical support about Smart View

• Call 1-800-SAMSUNG (or 1-800-726-7864… customers can call this number in regards to the Samsung Smart View 2 service)
• Use the “live chat” feature on the Samsung website

Primary references

1. www.samsung.com/smartview2

Your Secure Benefits Solutions

• Access benefits online with a username and password
• Once access has been obtained the user can perform a variety of account activities
• The Secure Benefits Center is free to use

Users who are new to the Your Secure Benefits Solutions service will have to go through a short but tiresome registration process before access is granted.  To register for the Secure Benefits Center the user will have to provide their date of birth and the last 4 digits of their social.  Please note the Your Secure Benefits Solutions service is operated by AON Hewitt PLC and is best used with the following:

• Microsoft Internet Explorer – 6.0, 7.0, and 8.0. Note: If using IE 6.0, ActiveX needs to be enabled.
• Firefox – 3.5
• Safari – 4.0
• Google Chrome
• Browser Settings – Enable Javascript™, cookies and 128-bit Secure Sockets Layer (SSL) encryption
• Adobe Reader – 6.0

Any questions in regards to the Your Secure Benefits Solutions online service can be directed to 8550596-7455 from Monday through Friday between the hours of 9 AM to 5 pm Central Time.

Aon Hewitt is a Illinois based human capital and management consulting service firm with more than 30,000 employees.  The firm was founded by Edwin “Ted” Hewitt and is currently a subsidiary of Aon Corp.  The Aon Hewitt Corporate Office is based at 200 E Randolph St #5135 Chicago, IL 60601 and can be reached via phone by calling (312) 381-4800.

Primary References

1. www.yoursecurebenefitssolutions.com

Tell Ruby Tuesday Survey

• Guests who have dined at a Ruby Tuesday restaurant can take a survey about their experience and receive a coupon code that’s good for a discount on their next visit
• The specific offer that is available will be printed on the front of the Ruby Tuesday receipt
• To start taking the Ruby Tuesday customer survey, guests will need to enter the invitation code printed on the bottom of their Ruby Tuesday receipt

The Tell Ruby Tuesday customer survey should only take less than 5 minutes to complete, and will ask diners to rate on a scale of 1 to 10 various parts of their visit. Once the survey is done, a code will be displayed. Customers just need to write that code on their receipt and take it with them the next time they visit a Ruby Tuesday.

Tell Ruby Tuesday Survey Comments

• Ruby Tuesday diners can only take the survey and redeem the offer on the receipt once every 30 days
• The survey feedback will be used to improve the quality of the food and service at Ruby Tuesday
• • In some cases, it’s a coupon like 10% off of a meal, and in some cases, it’s a coupon for buy one entre, get one 50% off

More to Know About Ruby Tuesday

• Ruby Tuesday became well-known for being the first large national restaurant chain to display their food’s nutritional information directly on their menus.
• The name of the restaurant is actually taken from the name of a Rolling Stones song, “Ruby Tuesday,” which popular when the restaurant was being conceived

Ruby Tuesday opened their first restaurant in 1972 in Knoxville, Tennessee, founded by Samuel E. Beall III. Today, the Ruby Tuesday headquarters are only about 15 miles from where the restaurant was born. There are just over 730 Ruby Tuesday locations, most of those being on the east coast of the USA.  The Ruby Tuesday corporate office can be found at 150 W Church Ave, Maryville, TN 37801 and reached by phone by calling (865) 379-5700.

Primary references

1. www.tellrubytuesday.com

Macy’s My Macy’s Card Pay Bill

• Allows a customer to make a one time payment inline related to a Macy’s account
• Customers can also sign up for the monthly auto payment service which is ideal for those who carry a revolving bill from month to month
• My Macy’s customers can pay online or from any mobile enabled device/smart phone

The Macy’s My Macy’s Card Pay Bill service is free to use (i.e. the customer will not be charged a fee for using the service) and requires a valid email address when creating a My Macy’s Card profile.  When creating the My Macy’s Card Pay Bill profile the member will have the chance to receive emails about sales, offers & events (die-hard Macy’s customers will want to opt in to this while casual shoppers at Macy’s might want to pass).

Macy’s My Macy’s Card Pay Bill

• Customers are NOT required to pay their Macy’s bill online
• They can also pay at any Macy’s location via cash, check, debit card or money order
• My Macy’s Card holders can also dial 1-888-257-6757 to make a bill payment over the phone
• When making a My Macy’s Card payment over the phone please have the customers Macy’s account number and a good standing bank account number on hand

Please note those who are close to missing a payment and need to get it to Macy’s quickly should take advantage of their Express Payments service.  Simply mail the payment to: Express Payments, Macy’s Payment Department, 6716 Grade LaneBldg. 9, Suite 910, Louisville, KY 40213.

My Macy’s Card Comments

• Please allow up to 3 days for the payment to be credited to an account when paying online
• My Macy’s card customers are allowed to schedule or make up to five online payments per billing cycle, but only one payment per day

Any questions about the Macy’s My Macy’s Card Pay Bill service can be directed to 1-800-289-6229 or the number found on the back of the Macy’s credit card.

Primary References

1. Macy’s credit card FAQ
2. macys.com/mymacyscard paybill

BJ’s Feedback Survey

• The BJ’s customer survey is available in English or Espanol
• All feedback will help improve the customer service at the BJ’s membership location
• The survey should between 5 to 10 minutes to complete

When taking the BJ’s feedback survey customers will need their BJ’s receipt from their most recent shopping excusrion to continue with this survey.  All feedback will remain confidential and once the survey has been completed the customer will be entered into a monthly sweepstakes drawing for a $500 BJ’s gift card.  The following information will be needed from the BJ’s receipt:

• BJ’s club number
• Register and transaction number
• Date of purchase
• The BJ’s cashier number

Please enter the requested information from the top of the BJ’s Feedback survey receipt exactly as it appears.  Those who do not have the receipt will not be able to take the BJ’s feedback survey (unless they have memorized all of the required information from the receipt).  

BJ’s Feedback Survey Sweepstakes

• No purchase is required from BJ’s in order to enter
• The sweepstakes will start on the 1^st of each month and ends at 11:59 PM E.T.Time on the last day of each month
• Employees of BJ’s are NOT allowed to participate in the sweepstakes
• The$500 BJ’s Gift Card cannot be exchanged for cash
• Must be 18 years of age or older and a legal resident of CT, DC, DE, FL, GA, MA, MD, ME, NC, NH, NJ, NY, OH, PA, RI, SC, VA, or VT

How to enter the BJ’s feedback survey sweepstakes without actually making a bothersome purchase at this popular membership club?  Simply write to: BJ’s Wholesale Club, Inc., Monthly Survey Sweepstakes, P.O. Box 5230, Westborough, MA 01581-5230… include a 3 x 5 index card with the customers name, address, ZIP code, birth date, and daytime and evening telephone numbers.  The BJ’s feedback survey sweepstakes winner will be notified via mail and/or telephone and the drawing will take place sometime within the first 7 days of the month for the previous month.  The sponsor of this survey sweepstakes promotion is listed at BJ’s Wholesale Club, Inc., who are headquartered at 25 Research Drive, Westborough, MA 01581.

Primary References

1. www.bjs.com/feedback survey

Lend 52

• Apply for a pay-day loan (i.e. personal loan) online
• Please note that pay-day loans are not an ideal long-term financial solution and borrowers facing debt and credit difficulties should seek professional financial advice
• Loan amounts range between $100 and $5000

To start the Lend 52 process applicants will initially have to provide their zip code, email address, and the amount they wish to borrow.  Lend52 will never charge a service fee for matching the borrower with a lender and most lenders in the Lend 52 network offer loans between the amount of $100 and $5,000.  Assuming the Lend 52 applicant is matched with a loan the amount will be deposited into the customer’s account on the very next day (most of the time).

Lend52 Requirements

• Must be 18 years of age or older
• Approval and funding usually take 24 to 48 hours
• It should only take a few minutes to complete the Lend52 secure online form
• statements or income verification online
• All rates and fees associated with a personal loan will be provided before the finalization process
• Most applicants will want to have approximately $1,000 per month after tax withholding
• Most applicants will need employment at the same place for approximately 90 consecutive days

Any questions about Lend52 can be directed to a customer service agent at 855-897-7077.  Please note that Lend52.com is not a lender and does not make credit decisions as they only submit the customers loan application to a number of pay-day loan companies and then match the customer with the best fit.

Primary References

1. www.lend52.com

Mobi Loans

• Get a loan quick assuming the applicant has a job
• Loans are available between the amounts of $200 to $1,000 (in some cases up to $1500)
• MobiLoans, LLC, is a tribal lending entity wholly owned by the Tunica-Biloxi Tribe of Louisiana, a federally recognized Indian tribe that operates within the Tribe’s reservation

The MobiLoans service enforces a cash advance fee of $3 for each $20 (15%) of cash advanced on loans at $500 or less AND $2 for each $20 (10%) of cash advanced for loans over $500.  Please note applicants must be 18 years of age or older and agree to a credit check.  MobiLoans ARE NOT available to those living in the states of Arkansas, Colorado, Connecticut, Georgia, Illinois, Louisiana, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New York, Pennsylvania, Vermont and West Virginia.

MobiLoans Comments

• Fixed finance charges do apply (a loan balance between $1,200.01-$1,500 will be charged $135)
• Borrowers are required to make minimum payments each month
• The minimum payment amount is equal to the minimum principal amount for your line plus the Cash Advance Fees and Fixed Finance Charges that apply
• Ideally borrowers will want to set up a ACH payment process in which the loan amount will be debited directly from the borrowers checking account
• Mobiloans Rewards are open to those who enroll
• MobiLoans adhere to the principles of the federal Fair Debt Collection Practices Act
• Please note pay-day loans are not a long-term financial solution by any means and are more of a way to temporarily stop the bleeding

Any questions in regards to a loan from MobiLoans LLC can be directed to (877) 836-1518 or via US Mail Attn Mobiloans Customer Support: MobiLoans, LLC P.O. Box 1409 Marksville, LA 71351.  Borrowers who need to fax in loan documents (i.e. proof of income) can send them to (877) 891-7862 or attached them to an email support@mobiloans.com.  Please note the 877-836-1518 call center number operates from 7 AM to 7 PM CT Monday thru Friday.

Primary References

1. www.mobiloans.com

Android File Transfer

• The Android File Transfer website is used for customers with an Android phone to transfer files between a Mac computer and an Android device
• Some features and options on the Android File Transfer program may not be available in all areas, and may not be compatible with all devices
• Files larger than 4 GB in size cannot be transferred using Android File Transfer

Customers who want to transfer files between an Android and a computer don’t need any special software for a PC, but users with Mac will need to use Android File Transfer software. Android File Transfer is free to download, and is available directly from Android.

Android File Transfer Comments

• To use Android File Transfer, customers need to download the app, and open “androidfiletransfer.dmg.”
• Does not cost the user a dime
• Users then need to drag the Android File Transfer to the “Applications” section, and connect their Android device to their Mac with a USB data transfer cable
• At that point, when users double-click “Android File Transfer,” and file they select will be synced up to 4 GB

More about Android

The Android operating system is the number one installed and most widely used operating system for cell phones and tablets since 2013. Android was first released in 2008, and the latest release (Marshmallow 6.0.1) was issued in December of 2015. Android was first developed in the city of Palo Alto, California in October of the ear 2003 by a man named Andy Rubin.

• Over 1 million apps for Android have been published with more than 50 billion total downloads overall
• More than 70% of developers create apps for Android, and over 40% of developers see Android as their primary target (opposed to just 35% who focus on Apple)
• The very first device to use the Android operating system was the HTC Dream in October 2008

To get help using Android File Transfer software

• Call the manufacturer of the device (like Samsung, LG, or Motorola), not Apple.

Primary references

1. www.android.com/filetransfer

My Horizon Today

• My Horizon helps millions of Americans each year deal with errors on their credit report or navigate the confusing process of bankruptcy
• Products purchased from My Horizon financial come with 12 months of credit monitoring protection
• With special advocates that work directly with credit bureaus, MyHorizon can get issues resolved in days that would take customers months to do

My Horizon offers two main financial products: Credit Assurance and Second Bankruptcy Courses. Having an incorrect item on a credit report can cause a person problems for years, and can mean a difference of thousands of dollars when it comes to interest rates. Credit Assurance provides customers with a three bureau (Experian, TransUnion, and Equifax) credit report 45 days after filing a Chapter 7  or Chapter 13 bankruptcy.

My Horizon Today

The Second Bankruptcy Course is only $15, and satisfies the personal finance class requirement that almost all financial institutions require when filing for bankruptcy. This course from My Horizon teaches the basics of budgeting and more, and is available 24 hours a day, 7 days a week. It even provides an instant certificate of completion when finished that can be printed.

My Horizon Refund Policy:

• To start a My Horizon refund, customers are asked to email  refund@myhorizontoday.com with the words “Refund Request” in the subject and include their order number, the name of the product being returned, and name and telephone number of the customer

Any questions in regards to the My Horizon Today service can be directed to 888-410-6988 OR those who prefer the good old US postal service can write to: 4540 Honeywell Ct, Dayton, OH 45424.  My Horizon Financial does have a refund policy, which is limited to 30 days from the time of the first payment. If a course from My Horizon has been completed, or a credit report has already been issued, no refund will be given.

Primary references

1. www.myhorizontoday.com

Try Tac Light

• Take advantage of a buy one get one free promotional offer in regards to a pretty decent flashlight
• All major credit cards are accepted to include AMEX, Discover, Visa, and MasterCard
• Please note the second flash light isn’t exactly free a the customer will have to pay a separate $10 fee

The Try Tac Light promotional offer is valid to consumers living in the United States or Canada and have a desire for a military grade flashlight.  Customers living in the states California, New Jerseym Nevada, and New York will have to pay a bothersome sales tax.  The Try Tac Light buy one get one offer comes with the Tac Light for only 19.99 PLUS free shipping, and the customer will get another one free (just pay a fee of $10).

Try Tac Light Comments

• All of these military grade flashlights come with a lifetime guarantee
• Customers who take advantage of the Try Tac Light offer in states of Hawaii or Alaska will have to pay an extra $10 in shipping cost
• Customers in Puerto Rico will have to pay an extra $20 in shipping cost
• Offers a InsureShip Insurance Program which will charge the customer $3.99 in a separate transaction (most customers need not to opt for this)
• Customers who are not happy with the Flash Light and are sending a return should mail it to: ATTN: Returns
  400 RETURNS RD, Wallingford CT, 06494

Any questions about the Try Tac Light promotional offer can be directed to 877-415-4824 between the hours of 8:00 AM – 8:00 PM (please allow up to 48 hours from the time the Tac Light order is place before calling the toll-free number about the status).

Primary References

1. www.trytaclight.com

EMP Unicorn HRO

• Allows access to an employees account online
• Operated by UNICORN HRO
• In order to gain access employees will need their customer ID, employees ID, and password

Any questions in regards to the EMP Unicorn HRO service should be directed to the employees Human Resource Department or their immediate supervisor.  Who in the world is Unicorn HRO?  A New Jersey based Human Resources Solutions firm which includes HR Management Software, Payroll Services, Employee Benefits Administration, Workers Compensation and Insurance benefits.  The firm has operations in both the United States and Canada.

What exact services does Unicorn HRO provide?

• Payroll reporting
• Time and labor issues (i.e. attendance, productivity data, to staff schedules, time tracking)
• iCON benefits Module (combines health, and welfare benefit plans, as well as billing and receivables)

Any questions about the EMP Unicorn HRO service can be directed to 800-368-8149.  The Unicorn HRO corporate office is headquartered at 25 B Hanover Road, Florham Park, NJ 07932.

Primary References

1. www.emp.unicornhro.com

My Sodexo Savings Plan

• Login to the Sodexo 401(k) Savings Plan and Trust website to manage an account, including viewing a balance and making a transfer
• With Voya’s My Savings Score, customers can compare what they have saved for retirement against an estimate of what they should have based on their age and income
• The “State of Savings” chart lets clients wee how various people across the country rate on their savings progress and  their overall financial goals

Sodexo retirement services are designed not just to be a source of retirement income, but to help teach people where they should be with their finances, and how they can get there. When Sodexo customers sign in, they will see the most recent information about their retirement account, including their latest balance.

My Sodexo Savings Plan Comments

• Requires an email address upon sign up
• If customers have forgotten their Voya retirement password, they can log in using their birth date and Social Security number.

More to Know About Sodexo and Voya

Sodexo was founded in 1966 by Pierre Bellon with a mission of helping people create financial goals, than educate them how to reach those goals. Voya is an American financial company that was founded in 1991, and has their current headquarters located in New York, New York. The company’s main broker division (called ING Financial Partners) is located in Des Moines, Iowa.

• Voya serves over 15 million customers and has over $500 billion in total assets
• Voya Financial has about 6,500 employees across the United States
• Sodexo actually began providing food services to businesses like hospitals and schools in the city of Marseilles, France

To contact Sodexo

• Call them at 1 (301) 987-4000
• Write to them via snail mail at their headquarters, located at 9801 Washingtonian Blvd., Gaithersburg, MD 20878

Primary references

1. www.mysodexosavingsplan.com

Maurices Pay My Bill

• Shoppers who have a Maurice’s credit card can logon to make payment towards their Maurice’s bill
• To  sign up for a credit card from Maurice’s, customers must be at least 18 years old and must have a valid government ID
• To apply for a Maurice’s credit card, customers can get an application in any Maurice’s store or fill out the application online

Maurice’s Pay My Bill service is free to use and bills can be paid with any major credit card.  Gift cards from Maurice’s can be purchased in $20, $50, or $100 increments, along with $35 and $75 options. Customers who sign up for a credit card from Maurice’s can take advantage of some great benefits like 10% off of the first purchase made that day, and 15% off of the first purchase actually made with the Maurice’s credit card once it comes in the mail. Maurice’s credit card holders also get preview notice of sales coming up. If shoppers have a store credit card issued by Maurice’s, they can see their statement online, including the most recent purchases they made at Maurice’s.  Comenity Bank issues the Maurice’s credit card.

More to Know About Maurice’s

Maurice’s is an American women’s clothing chain that has been around since 1931. It began in Duluth, Minnesota, and still has headquarters there. There are over 950 Maurice’s stores in 46 states across the United States and Canada, with most of them being located in shopping malls and in smaller towns. Maurice’s is well known for having a huge range of clothing sizes, from size 1 all the way to size 24.

• In 2011, Forbes magazine ranked Maurice’s as one of the “Top 10 Best Retail Employers” thanks to their great employee discount program
• Recently announced a collaboration with celebrity designer Christopher Straub from Lifetime Network’s Project Runway

To contact Maurice’s:

• 425 W Superior St, Duluth, MN 55802
• (218) 727-8431

Primary references

1. www.maurices.com/pay my bill