Category: Financial Media

www.federalreservebenefits.org – Smart Benefits Online Services

Federal Reserve Benefits

  • The Federal Reserve Smart Benefits website is intended for employees of the Federal Reserve to manage their retirement plans, post death benefit plans, and thrift plans
  • Both defined benefit plans and thrift savings plans include a matching program where the Federal Reserve will match what an employee puts into their account
  • By making this information available online, the Federal Reserve opens access to these accounts to employees at home, and also to their families, retirees (and their spouses), and potential employees
Employees who work for the Federal Reserve have access to a “Smart Benefits” portal that lets them manage their benefits conveniently online. Employees can view their Federal Reserve retirement account online and see what their current balance is, plus change their elections and amount that’s contributed each paycheck. If an employee doesn’t have computer access at home, there are several kiosks located throughout the Federal Reserve that have the Smart Benefits portal set up for easy access.
  • The Federal Reserve Benefits Center is considered to be a private government system, so unauthorized users are taken very seriously, and will be punished to the fullest extent of the law
  • As a recent security measure, Social Security numbers are no longer used to log on to the Federal Reserve Benefits website
  • If a user hasn’t set up an ID, they will be asked to enter their Social Security number one last time, at which point they will have to create a new user name

The Smart Benefits portal does allow employees to handle things like group funds, hardship withdrawals, loans, transferring between a thrift plan and a fixed income plan, and withdrawing from a Fixed Income account online, but these transactions must be made before three days prior to the end of the month to be processed for that month.

To contact the Federal Reserve Benefits center:

  • 877-FRS-CALL

Primar

  1. www.federalreservebenefits.org
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www.carecredit.com/cardholder – Cardholder Resources Manage Account Online

Care Credit Cardholder 

  • Logon to manage a CareCredit account online, including making a payment, viewing recent transactions, updating personal information, adding an authorized user, and more
  • A CareCredit account can be used multiple times at multiple providers as long as the cost of service does not exceed the set credit limit
  • Patients can choose from any CareCredit provider, and can ask their doctor to join the program if they’re not already enrolled

CareCredit is a line of credit that is accepted at almost 200,000 medical providers nationwide, including procedures for dental, hearing, cosmetic purposes, LASIK, veterinary, and more. With the CareCredit program, patients get the care they need immediately, then make convenient monthly payments.  CareCredit has advantages that other credit cards don’t, like short term financing options (including 6, 12, 18 or 24 months) with no interest as long as long as a purchase is at least $200 and monthly payments are always made.

  • The CareCredit program also extends to long term healthcare financing (like 24, 36, 48 or even 60 month terms) with an APR of just under 15%, which is still much lower than most credit cards. To qualify for the 60 month term, a purchase must be $2,500 or more
  • There is a minimum interest charge of $2 per month
  • Not all providers are enrolled, and CareCredit is not usable in retail stores

Note that CareCredit Cardholder is not insurance, and does not “cover” medical costs. It’s simply a method of helping finance out of pocket medical care. CreditCare is subject to credit approval just like any other credit card, and there are monthly minimum payment requirements.

Patients can apply for CareCredit with their convenient 24 hour automated system, as long as they are at least 21 years old. The only information needed to apply for CareCredit is the applicant’s name, address, date of birth, Social Security Number, and driver’s license number.

To contact CareCredit:

  • (866) 893-7864
  • Synchrony Financial, PO Box 960061, Orlando, FL 32896-0061

Primary References

  1. www.carecredit.com/cardholder
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www.myavantoffer.com – Avant Personal Loan Offer

My Avant Offer

  • Customers can enter the personal offer code on their Avant mailer to find out how much of a loan (from $1,000 to $35,000) they have been pre-approved for
  • Loans that are processed through Avant are often available within 24 hours
  • The majority of Avant loan customers have a FICO score that ranges from 600 to 700

Whether it’s to consolidate debt, take a vacation, cover medical bills, pay for an unexpected expense, or a number of other scenarios, Avant provides their customers with much-needed financial freedom. Avant regularly mails out these My Avant offer pre-approval notifications to selected customers to let them know they’re automatically eligible to receive a loan through Avant.  While actually applying for a loan through Avant will have an impact on the applicant’s credit score, simply logging on to see what the pre-approval amount is has absolutely no effect on a credit score. If a customer has not received a pre-approval mailer from Avant, they can enter their personal information to receive their own loan pre-approval within minutes.

  • Avant has a loan referral program where someone can refer a customer to Avant, and when that customer is approved for a loan and makes their first payment, the loan applicant and the referring person will receive a $50 Amazon.com gift card
  • My Avant Offer does not guarantee the applicant will be approved for the loan
  • Consumers with a good to great credit score are more likely to be approved

More about Avant

Avant is an online lending company that was founded in 2012 in Chicago, Illinois. Avant uses proprietary technology to determine how creditworthy an individual is. When Avant began, they were only able to offer loans to 16 states. Today, Avant can lend money to people in 46 states, plus Canada and the United Kingdom. Avant has quickly gained notoriety as a reputable company, being placed in the number 6 spot on “America’s Most Promising Companies” list from Forbes magazine, plus bring ranked on Forbes “Next Billion Dollar Startup” list. From 80,000 randomly selected Avant customer, 96% reported they satisfied with Avant.

To obtain more information about the My Avant promotional offer please contact:

  • 222 N. LaSalle St., Suite 1700, Chicago, Illinois 60601
  • 800-712-5407

Primary References

  1. www.myavantoffer.com
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www.paydayloandoctors.com – One Stop Financial Guide

Pay Day Loan Doctors

  • Payday Loan Doctors is an online resource that breaks down all the available options for payday loans, including loans intended for auto purchases, loans for travel, and loans to pay down debt
  • The Payday Loan Doctors website even has an online bookstore with books from some of the top names in finance like Dave Ramsey, Robert T. Kiyosaki, Tom Corley, and Laurence J. Kotlikoff
  • Called a “one stop financial rescue resource,” the Payday Loan Doctors website even has helpful blog posts and articles on topics like “The Pluses and Minuses of Hard Money Loans” and “How Do You Obtain An Unorthodox Loan?”

Staying on top of finances can be a daunting task, but fortunately, there are plenty of resources to find help. One of the best resources for information on loans and personal finances is the PaydayLoanDoctors.com. Payday loan have come under fire in recent years, but thanks to new government regulations, these loans are nowhere near as “predatory” as they were in previous years. But it’s still incredibly valuable information for customers to be aware of all the details, especially for payday loans.

  • With the Payday Loan Doctors website, visitors will find all the information they need to help keep their finances in check
  • The paydayloandoctors blog has a section for money news that shares articles on things like “12 Things To Make Sure You Do In Retirement” and “6 Ways To Fix Social Security Finances”
  • Visitors to the site will learn the ins and outs of payday loans, and find tips that can be applied directly to their personal financial situation

Studies have shown that the average payday loan user pays almost $600 a year in fees to lenders, so it’s important for customers to make sure they’re using payday loans in the best possible way. Payday Loan Doctors wants to help rescue their visitors from financial trouble, and make sure they’re informed so it doesn’t happen again.

Citations:

  1. www.paydayloandoctors.com
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www.crisisexposed7.com – Bill Bonner Newsletter

Crisis Exposed 7

  • Learn more about an urgent public announcement from Bonner and Partners
  • The Crisis Exposed 7 website features an urgent financial message from one of the top names in the industry –  the president of Agora Inc., and owner of the largest network of independent news and research publishers in America
  • Bill Bonner’s publications reach more than 2 million paid subscribers

Bill Bonner is a financial expert that’s become very well known for his research firm that has been able to accurately predict major shakeups in the world economy before they happen. According to Bill Bonner, a sixth major world shift is on the way, and it’s not going to be happening all the way around the world. The next shift that Bonner expects is predicted to happen right here in the United States. He says that new US laws are actually cracking down on citizen’s rights to use cash to pay for transactions, and their right to spend their cash as they see fit. Why would the government be trying to restrict individuals’ cash flow? Bill Bonner explains it all on his Crisis Exposed 7 web site.

  • Bill argues that the United State’s trade deficit and foreign policy is creating a system that absolutely can’t be sustained, and that economic peril isn’t too far away
  • Predictions from Bill Bonner include the fall of the Soviet Union, the rise of Muslim terrorism, the collapse of the Japanese stock market, the .com bust in 2000, and the financial meltdown of 2008
  • This is nothing more than a financial advisory newsletter sales pitch

Bonner currently has two books to his name: Financial Reckoning Day: Surviving The Soft Depression of The 21st Century and The Daily Reckoning, and with his subscriber base, it’s estimated that he reaches more people than the Wall Street Journal and the New York Times.

To contact Bill Bonner:

  • 1-800-681-1765

Citations

  1. www.crisisexposed7.com
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