November 2009
Wakupnow Opportunity Meetings
November 24, 2009 by Jake Green · Leave a Comment
What the heck is an opportunity meeting?
Well its a place where you can go and hear a prepared presentation on the “opportunities” available to you if you join Wakeupnow. There will be other people just like you that want to find out more and ask questions about the company. If you are already part of Wakeupnow you can bring someone that wants to know more. Don’t worry they are not like some of the “high pressure” sales meeting you might have been to before. If fact all of the meeting I have attended they are very laid back, informative, and no pressure. Before you consider joining Wakeupnow I highly recommend attending a meeting, webinar or listening to a conference call.
Below is a list of the current meeting times and locations as of November 24, 2009. For an up to date list visit Wakeupnow’s Meeting Page.
Meetings
Local Meetings in Utah
Every Tuesday and Thursday at 7:00 PM unless otherwise noted.
Salt Lake County
291 West 5400 South SLC, UT
Just off the 53rd south exit on the East side of the freeway
Herriman, Utah
Every Wednesday at 6:00pm
Inspired Wellness Chiropractic, 13400 South, 6361 West
Orem, Utah
Wiseguys Comedy Club, Orem
1270 West 1130 South Orem
Spanish Fork, Utah
Western Inn Spanish Fork
October 22 and on, Thursdays ONLY
632 Kirby Ln, Spanish Fork
Ogden, Utah
Every Wednesday @ 7:00pm
i-FLY, Salomon Center, 2261 Kiesel Avenue, Suite 200
Ephraim Utah, Sanpete County
Every Saturday at 4:00PM
193 North Main Street, Ephraim, Utah
St. George, Utah
Friday, November 13th @ 7:00pm
Dixie Pediatrics
1240 East, 100 South, Building #4 (upstairs)
St. George, Utah
Local Meetings in Idaho
Burley Idaho
Every Tuesday at 7:00 PM
1346 Overland Ave Burley, ID
Boise, Idaho
Every Thursday @ 7:00pm
“The Cottages” Assisted Living Homes
6300 North, Roe Street (north off of State Street)
Local Meetings in Arizona
Contact Michele Maurer for more information
(520) 878-9373, michele@celaco.com
Local Meetings in Alaska
Mat-Su Valley Opportunity Meetings
Every Thursday at 7:00 pm
AT&T Sports Center Palmer/Wasilla Hwy.
Presenter: Claudia Dolfi
907-355-8280 , rcdolfi@mtaonline.net
Legal Discalaimer: The views and opinions expressed on Debt-Wrench.com are not those of Wakeupnow Inc. Wakeupnow™ is registered trade mark that is owned by Wakeupnow Inc. Wakeupnow™ is being used without permission, and this article is not authorized by, associated with or sponsored by the Wakeupnow Inc.
Wake Up Now Inc. Management Team
November 24, 2009 by Jake Green · Leave a Comment
After learning more about the leadership at Wakeupnow I was impressed. It was one of the reasons I wanted join Wakeupnow’s cause so early on. I don’t personally know any of the management team particularly well. I have had some close interaction with them though. I was introduced to Wakeupnow by Richard Smith’s sister.
I have been impressed with the sincerity of the founders in particular. In person you can see that they mean what they say. Their focus has been on helping others and it shows in their actions and in the way they are running the company thus far. Click here to find out more about Wake Up Now’s Management Team. Its just a shore introduction to the founders and management at Wakeupnow Inc.
Troy Muhlestein- Founder, Wake Up Now, Inc.
Richard Smith- Founder, Unity One
Matt Peterson- CEO
Ron Lowry- President
If you would like to find out more about Wakeupnow Inc. click here.
Legal Discalaimer: The views and opinions expressed on Debt-Wrench.com are not those of Wakeupnow Inc. Wakeupnow™ is registered trade mark that is owned by Wakeupnow Inc. Wakeupnow™ is being used without permission, and this article is not authorized by, associated with or sponsored by the Wakeupnow Inc.
Free Monitoring of Your Credit Report Year Round
November 24, 2009 by Jake Green · Leave a Comment
Well it has been more than a year since I last checked my credit score, so I decided to go ahead and get my free report for the year. Last year I was a little unclear on what I was legally entitled to. I imagine that some of the Debt Wrench readers might find this system a little confusing too. With all the scams and companies out there that claim to give you a free report(among other things) there is need for clarification. So let me clarify to the best of my knowledge. I would also encourage you to do some reading on your own to verify all the information shared here.
- You are legally entitled to get one free credit report from each of the three national credit bureaus (Experian, Equifax and TransUnion) per year. This is a federal law.
- They are legally obligated to give you that information once a year for free.
- If you want to know your “credit score” (aka FICO score) you will have to pay extra. I paid around 8 bucks for my score from Equifax.
- There is only one site that is authorized to get your three free annual credit reports under federal law. Which is AnnualCreditReport.com. (see FTC website)
- You can go to each individual website of the 3 national credit bureaus for your credit reports. In fact Annualcreditreport.com really just redirects you to each website. It is more convenient to get all three reports at Annualcreditreport.com, because you don’t have to fill out the information 3 different times on each of the three credit bureaus’ websites. The website will “autofill” your information as you are redirected to the individual bureau website.
How do I monitor my credit reports for free year round?
Well it is simple only request the report from one of the 3 bureaus at a time. If you space out your requests 4 months apart you’ll have monitored your credit report all year compared to if you only checked all three at once.
This is the cheapest method to monitor your credit report and unfortunately it isn’t the best. But if you are like me you hate paying people to find out what records they are keeping on you then this might be the method for you. Here are a few of the disadvantages I can see to this method.
- Not all creditors report to all three bureaus. One report might not fully reflect your entire score/credit history.
- Checking your reports only three times year might not catch identity theft among other things in time. However it is far better than once a year or never.
Below is some if I pulled for the Federal Trade Commission.
What is AnnualCreditReport.com?
AnnualCreditReport.com is the ONLY authorized source to get your free annual credit report under federal law. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies — Experian, Equifax, and TransUnion — every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services. Don’t be fooled by TV ads, email offers, or online search results. Go to the authorized source when you request your free report.
How do I request my free credit report?
You can request your free report online, by phone or by mail. Visit AnnualCreditReport.com, call 1-877-322-8228, or fill out the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. No matter how you request your report, you have the option to request all three reports at once or to order one report at a time. By requesting the reports separately, you can monitor your credit more frequently throughout the year.
Why should I request my credit report?
Because the information in your credit report is used to evaluate your applications for credit, insurance, employment, and renting a home, you should be sure the information is accurate and up-to-date. In addition, monitoring your credit is one of the best ways to spot identity theft. Check your credit report at least once a year to correct errors and detect unauthorized activity.
What should I look for when I review my credit report?
If you see accounts you don’t recognize or information that is inaccurate, contact the credit reporting agency and the information provider. For more information, read the FTC’s tips on how to dispute credit errors.
If you suspect identity theft, you may need to place a fraud alert on your credit report, close compromised accounts, file a complaint with the FTC, or file a police report. Start by visiting the FTC’s identity theft website.
FTC Seeks Comments on Proposals to
Amend ‘Free Credit Report’ Rule<
The Federal Trade Commission is seeking public comment on proposed amendments to the Free Annual File Disclosures Rule, also known as the “Free Credit Report Rule.” The proposed amendments would implement a new law designed to prevent consumer confusion in advertisements for “free credit reports.” The amendments also would address certain practices that may interfere with a consumers’ ability to obtain the credit report that credit reporting agencies must provide for free under federal law. Learn more…File a Complaint
The FTC wants to hear from you if you paid for what you thought was your free annual credit report.
SPAM
The FTC also wants you to forward us any unsolicited emails you’ve received offering you a free credit report. Send them to spam@uce.gov.
AnnualCreditReport.com will NEVER send you an email solicitation for your free annual credit report or use pop up ads.
Tell me what you think about this method of monitoring your credit report in comments below.
Who Pays All the Taxes in the US?
November 20, 2009 by Jake Green · Leave a Comment
It is so crazy to think about the fact that almost 47% of households in the US currently have zero or negative federal tax liability. I found this great graphic on Mint.com’s blog that shows the tax liability for American’s according to their income level. We can take a closer look at the lack of liability across each income level. Note the percentage in each range that will not pay any taxes. The numbers are quite startling. Also shown in this nice visual ad is a full breakdown of who is paying the bulk of all taxes collected by the Federal Government each year.
As you work toward your financial freedom it is important to beware of and plan to reduce your tax liability. You should always try to minimize the amount of money you give to the Federal government, always do so with the constraints of the IRS tax codes and within the law. One of the best legal ways to reduce your tax liability is to start a small business. The tax deduction are very limited as an individual, however as a business entity your number of possible deduction greatly increases. The money that you would have paid to the government can be use to pay off you debt completely. Once your debt is gone the saving can then be applied to your investments. This is just one of the many things that is taught in greater detain at the Intelligence Ways Academy. Wakeupnow’s membership offers all the tools and guidance you need to start your own business (i.e. free access accountants, a business plan, step-by-step information, and support from others). If you would like to find out more go to Wakeupnow’s website.
You can click on the image to make it larger.
Personal FinanceSoftware – Mint.com
Legal Discalaimer: The views and opinions expressed on Debt-Wrench.com are not those of Wakeupnow Inc. Wakeupnow™ is registered trade mark that is owned by Wakeupnow Inc. Wakeupnow™ is being used without permission, and this article is not authorized by, associated with or sponsored by the Wakeupnow Inc.
Invisible Children Charity and Unityone Foundation Join Forces
November 19, 2009 by Jake Green · Leave a Comment
Completed School House in Uganda
The charity work that Wakeupnow is doing through Unityone is just starting to kick off. Wakeupnow is a very young company and it is awesome to see that the focus of helping others is an actual guiding principle as the company starts to grow.
UnityOne Foundation, the charitable arm of WakeUpNow, is now working with Invisible Children, a non-profit organization. Invisible Children Charity works to build schools and supply books for the orphaned children in Northern Uganda.
Founded by three college students from California, Invisible Children’s mission is to bring awareness to the plight of the children of Northern Uganda caught in the middle of a civil war. The war is between the government of Uganda and the rebel group, (Lords Resistant Army; aka LRA). This horrific rebel group kidnaps children and forces them into becoming child soldiers.
The LRA has ruined the schools and villages in Uganda in their efforts to give the children the feeling of hopelessness. This is done to ruin the hopes, dreams and opportunities for young Ugandan children in an effort to force them to join the LRA’s cause. Invisible Children is now raising books to send out to Uganda. If you would like to find more information about them please visit Invisible Children’s website.
Megan Lee, a Junior at Timpview High School in Provo, Utah, has already gathered over 2,000 school books for Invisible Children! Her goal is to raise a total of 5,000 books by December 25th 2009.
Megan has brought her goal to the UnityOne Foundation. Impressed by her efforts, Unityone has agreed to help Megan with her crusade. They are asking everyone involved with WakeUpNow and anyone else to donate three school books, preferably Jr. High, High School, or College Level books. The donated books you choose have to be either the Scholastic Books symbol, or a barcode to ensure proper distribution.
If you would like to join the cause simply bring your books to your local Wakeupnow opportunity meeting, or to our main office at 3507 North University Avenue, Suite 200, in Provo, Utah.
You can find the locations, times, and addresses of the Wakeupnow opportunity meetings here.
