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Business
RE: Blog idea
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Hey Tamera-
This is a great idea! Thanks for sending over. I write a couple of these per
week so I will just add this to my to-do list.
Thanks,
Sam
From: Tamera Fall
Sent: Friday, March 6, 2020 9:19 PM
To: GPIS Marketing ; Johnny Gottstein
; Sam Wiss
Subject: Blog idea
We should do a blog on how to protect yourself and your money from scammers
https://www.govexec.com/pay-benefits/2020/03/protect-yourself-your-money-and
-your-benefits-scammers/163563/
Sam – let me know if you want me to do a draft.
Tamera Fall, PMP
President/Chief Technology Officer
9765 Fall Valley Way
Sacramento, CA 95829
916.501.6347 CELL
630.733.4731 FAX
tfall@fallcomm.com
View Linkedin Profile
New York Women Business Enterprise (WBE)
Certification Awarded on: October 13, 2015
Expiration Date: October 13, 2018
File ID#: WBE60022
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Hey Tamera-
This is a =
great idea! Thanks for sending over. I write a couple of these per week =
so I will just add this to my to-do list.
Thanks,
Sam
From: Tamera Fall =
<tfall@fallcomm.com>
Sent: Friday, March 6, 2020 9:19 =
PM
To: GPIS Marketing <marketing@gpis4u.org>; Johnny =
Gottstein <jgottstein@gpis4u.org>; Sam Wiss =
<swiss@gpis4u.org>
Subject: Blog =
idea
We should do =
a blog on how to protect yourself and your money from =
scammers
Sam – let me know if you want me to do a =
draft.
Tamera Fall, PMP
President/Chief Technology Officer
9765 Fall Valley Way
Sacramento, CA 95829
916.501.6347 CELL
630.733.4731 FAX
=
New York Women Business Enterprise =
(WBE)
Certification Awarded on: =
October 13, 2015
Expiration Date: October 13, =
2018
File ID#: WBE60022
——=_NextPart_001_059C_01D5F627.F08345B0–
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Blog: Why Your Credit Score Might Be Lowered
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charset=”us-ascii”
Content-Transfer-Encoding: 7bit
Why Your Credit Score Might Be Lowered!
If you wake up to find your credit score has taken a big drop – let me
explain why. FICO scores have recently made adjustments and will soon start
scoring certain items more harshly than before. FICO adjusts its scoring
model every few years so this is typical. But most importantly, what items
are changing for 2020?
-Consumers who have rising debt levels will be scored more harshly
-Those who have high credit utilization rates over long periods will also be
penalized more than in the past
-Missed payments will be weighed more heavily
-Consumers who sign up for personal loans will be flagged and this could
detrimentally affect their scores
Ultimately these changes will create a larger gap between consumers who are
deemed to have either good or bad credit. Those who have credit scores that
are below 600 and continue to accumulate debt or miss payments will see a
decrease in scores.
The good news: Consumers who have high FICO scores already should actually
see a higher score given timely payments moving forward. Rather than seeing
a drop, you might be pleasantly surprised to find your score has risen.
Other items to note are that bank account balances and timely payments of
utilities have been taken into consideration for consumers with limited
credit histories — this gives them the opportunity to earn a higher score
and a better chance at securing a loan.
Here are a couple additional tips to boost your scores.
-Always make minimum payments on all bills
-Pay off debt and keep credit balances low
-Time your inquiries for new loans or new debt (too many inquiries in a
short period can hurt your score)
-Keep open old credit cards with zero balances (if you have no fee or can
have the fee waived) as older accounts in good standing help your score
-Always periodically check your credit score for inaccuracies and dispute
any that arise
Best of luck on your credit journey!
Sam Wiss, RICP
Vice President – Sales & Marketing
GPIS Employee Benefits Specialists
C: 515-408-4591
F: 916-228-4053
A: 9700 Business Park Drive | Suite 300 | Sacramento, CA 95827
www.gpis4u.org |
swiss@gpis4u.org
Schedule Your FREE Retirement
Analysis Today!
This email transmission and any files transmitted with it contain
confidential and privileged information and information protected under
state and federal law, including the HIPAA and HITECH Privacy Rules. Such
information is intended solely for the use of the named individual or entity
to which they are addressed. Use or redisclosure by any other party is not
authorized. If you are not the intended recipient, you are hereby notified
that any disclosure, copying, distribution or use of this transmission, its
contents, enclosures or attachments is expressly prohibited. If you have
received this transmission in error, please immediately notify the sender
and delete the entire message and its attachments from your system. This
communication represents the originator’s personal views and opinions, which
do not necessarily reflect those of GPIS.
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Why Your Credit Score Might Be =
Lowered!
If you =
wake up to find your credit score has taken a big drop – let me =
explain why. FICO scores have recently made adjustments and will soon =
start scoring certain items more harshly than before. FICO adjusts its =
scoring model every few years so this is typical. But most importantly, =
what items are changing for 2020?
-Consumers who have rising debt levels will be scored more =
harshly
-Those =
who have high credit utilization rates over long periods will also be =
penalized more than in the past
-Missed payments will be weighed more =
heavily
-Consumers who sign up for personal loans will be flagged =
and this could detrimentally affect their scores
Ultimately these changes will create a larger gap between =
consumers who are deemed to have either good or bad credit. Those who =
have credit scores that are below 600 and continue to accumulate debt or =
miss payments will see a decrease in scores.
The good =
news: Consumers who have high FICO scores already should actually see a =
higher score given timely payments moving forward. Rather than seeing a =
drop, you might be pleasantly surprised to find your score has =
risen.
Other =
items to note are that bank account balances and timely payments of =
utilities have been taken into consideration for consumers with limited =
credit histories — this gives them the opportunity to earn a higher =
score and a better chance at securing a loan.
Here are =
a couple additional tips to boost your =
scores…
-Always =
make minimum payments on all bills
-Pay off debt and keep credit balances =
low
-Time =
your inquiries for new loans or new debt (too many inquiries in a short =
period can hurt your score)
-Keep open old credit cards with zero balances (if you =
have no fee or can have the fee waived) as older accounts in good =
standing help your score
-Always =
periodically check your credit score for inaccuracies and dispute any =
that arise
Best of =
luck on your credit journey!
S=
am Wiss, RICP
V=
ice President – Sales & Marketing
GPIS Employee Benefits =
Specialists
C: 515-408-4591
F: 916-228-4053
A: 9700 Business =
Park Drive | Suite 300 | Sacramento, CA 95827
ww=
w.gpis4u.org&=
nbsp;| sw=
iss@gpis4u.org
Schedule Your FREE =
Retirement Analysis Today!
This email transmission and any files transmitted with it contain =
confidential and privileged information and information protected under =
state and federal law, including the HIPAA and HITECH Privacy Rules. =
Such information is intended solely for the use of the named individual =
or entity to which they are addressed. Use or redisclosure by any other =
party is not authorized. If you are not the intended recipient, you are =
hereby notified that any disclosure, copying, distribution or use of =
this transmission, its contents, enclosures or attachments is expressly =
prohibited. If you have received this transmission in error, please =
immediately notify the sender and delete the entire message and its =
attachments from your system. This communication represents the =
originator’s personal views and opinions, which do not necessarily =
reflect those of GPIS.
——=_NextPart_001_0539_01D5F612.090BCC30–
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——=_NextPart_000_0538_01D5F612.090BCC30
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——=_NextPart_000_0538_01D5F612.090BCC30–
RE: Presentation Videos
I was able =
to get it reset.
From: =
GPIS Marketing <marketing@gpis4u.org>
Sent: Monday, =
March 9, 2020 12:50 PM
To: swiss@gpis4u.org
Subject: =
Re: Presentation Videos
Your =
password is swissGP!$
On =
Mon, Mar 9, 2020 at 9:21 AM swiss@gpis4u.org <swiss@gpis4u.org> =
wrote:
Yeah that=E2=80=99d awesome if you could. =
Thanks again
Thank =
you,
Sam =
Wiss
Sent from my =
iPhone.
On Mar 9, 2020, at 11:19 AM, GPIS =
Marketing <marketing@gpis4u.org> =
wrote:
=EF=BB=BF
your =
login ID is swiss
If you =
don’t know your password i can create =
one
On =
Mon, Mar 9, 2020 at 8:44 AM swiss@gpis4u.org <swiss@gpis4u.org> =
wrote:
Ok cool. What=E2=80=99s my login ID? I =
can=E2=80=99t get on that. Thanks man.
Thank you,
Sam =
Wiss
Sent from my =
iPhone.
On Mar 9, 2020, at 10:38 AM, GPIS =
Marketing <marketing@gpis4u.org> =
wrote:
=EF=BB=BF
I’m =
not sure if Johnny wants the agents to have direct links to the videos. =
They are all embedded on the website agent =
forum.
On =
Mon, Mar 9, 2020 at 8:38 AM GPIS Marketing <marketing@gpis4u.org> =
wrote:
No, =
not yet.
On =
Mon, Mar 9, 2020 at 7:14 AM swiss@gpis4u.org <swiss@gpis4u.org> =
wrote:
Did you send to =
Dion?
Thank =
you,
Sam =
Wiss
Sent from my =
iPhone.
On Mar 7, 2020, at 5:48 PM, GPIS =
Marketing <marketing@gpis4u.org> =
wrote:
=EF=BB=BF
Sorry I sent the private links. I’ll send =
new links when I get home tonight. They are also on the agent site under =
gpis training and those are working.
GPIS Marketing
On =
Sat, Mar 7, 2020, 3:05 PM swiss@gpis4u.org <swiss@gpis4u.org> =
wrote:
Thoughts?
Thank you,
Sam =
Wiss
Sent from my =
iPhone.
Begin forwarded =
message:
From: Dion <proagent4life@gmail.com>
Date: March =
7, 2020 at 3:44:39 PM CST
To: swiss@gpis4u.org
Subject: Re: =
Presentation Videos
=EF=BB=BF
I can’t open any of these =
links
Dion =
Labor
346-704-0143
On =
Fri, Mar 6, 2020 at 12:58 PM <swiss@gpis4u.org> =
wrote:
Bobby’s =
Presentation 2017
https://vimeo.com/392618926
https://vimeo.com/392622146
https://vimeo.com/392624258
Johnny’s =
2013 Presentation
https://vimeo.com/391604749
https://vimeo.com/392750342
https://vimeo.com/392845689
https://vimeo.com/manage/392992013/general &nb=
sp;
Sam Wiss, RICP
Vice President – Sales & Marketing
GPIS Employee =
Benefits Specialists
C: 515-408-4591
F: 916-228-4053
A: 9700 =
Business Park Drive | Suite 300 | Sacramento, CA 95827=
ww=
w.gpis4u.org | sw=
iss@gpis4u.org
Schedule Your FREE Retirement Analysis =
Today!
This email transmission and any files transmitted with it contain =
confidential and privileged information and information protected under =
state and federal law, including the HIPAA and HITECH Privacy Rules. =
Such information is intended solely for the use of the named individual =
or entity to which they are addressed. Use or redisclosure by any other =
party is not authorized. If you are not the intended recipient, you are =
hereby notified that any disclosure, copying, distribution or use of =
this transmission, its contents, enclosures or attachments is expressly =
prohibited. If you have received this transmission in error, please =
immediately notify the sender and delete the entire message and its =
attachments from your system. This communication represents the =
originator’s personal views and opinions, which do not necessarily =
reflect those of GPIS.
=
<image003.png>=
<image001.png>=
<image002.png>=
<image004.png>=
— =
=
Ernie Reales
Marketing Department
GPIS Employee Benefits =
Specialist
P: 866-201-7829 ext 106
F: 916-228-4056
A: 9700 Business Park Drive Suite 300 | =
Sacramento, CA 95827
www.gpis4u.org | marketing@gpis4u.org
Schedule Your FREE Retirement Analysis =
Today!
This email transmission and any files transmitted =
with it contains confidential and privileged information and information =
protected under state and federal law, including the HIPAA and HITECH =
Privacy Rules. Such information is intended solely for the use of the =
named individual or entity to which they are addressed. Use or =
redisclosure by any other party is not authorized. If you are not the =
intended recipient, you are hereby notified that any disclosure, =
copying, distribution or use of this transmission, its contents, =
enclosures or attachments is expressly prohibited. If you have received =
this transmission in error, please immediately notify the sender and =
delete the entire message and its attachments from your system. This =
communication represents the originator’s personal views and opinions, =
which do not necessarily reflect those of GPIS.
— =
=
Ernie Reales
Marketing Department
GPIS Employee Benefits =
Specialist
P: 866-201-7829 ext 106
F: 916-228-4056
A: 9700 Business Park Drive Suite 300 | =
Sacramento, CA 95827
www.gpis4u.org | marketing@gpis4u.org
Schedule Your FREE Retirement Analysis =
Today!
This email transmission and any files transmitted =
with it contains confidential and privileged information and information =
protected under state and federal law, including the HIPAA and HITECH =
Privacy Rules. Such information is intended solely for the use of the =
named individual or entity to which they are addressed. Use or =
redisclosure by any other party is not authorized. If you are not the =
intended recipient, you are hereby notified that any disclosure, =
copying, distribution or use of this transmission, its contents, =
enclosures or attachments is expressly prohibited. If you have received =
this transmission in error, please immediately notify the sender and =
delete the entire message and its attachments from your system. This =
communication represents the originator’s personal views and opinions, =
which do not necessarily reflect those of GPIS.
— =
=
Ernie Reales
Marketing Department
GPIS Employee Benefits =
Specialist
P: 866-201-7829 ext 106
F: 916-228-4056
A: 9700 Business Park Drive Suite 300 | =
Sacramento, CA 95827
www.gpis4u.org | marketing@gpis4u.org
Schedule Your FREE Retirement Analysis =
Today!
This email transmission and any files transmitted =
with it contains confidential and privileged information and information =
protected under state and federal law, including the HIPAA and HITECH =
Privacy Rules. Such information is intended solely for the use of the =
named individual or entity to which they are addressed. Use or =
redisclosure by any other party is not authorized. If you are not the =
intended recipient, you are hereby notified that any disclosure, =
copying, distribution or use of this transmission, its contents, =
enclosures or attachments is expressly prohibited. If you have received =
this transmission in error, please immediately notify the sender and =
delete the entire message and its attachments from your system. This =
communication represents the originator’s personal views and opinions, =
which do not necessarily reflect those of GPIS.
— =
=
Ernie Reales
Marketing Department
GPIS Employee Benefits =
Specialist
P: 866-201-7829 ext 106
F: 916-228-4056
A: 9700 Business Park Drive Suite 300 | =
Sacramento, CA 95827
www.gpis4u.org | marketing@gpis4u.org
Schedule Your FREE Retirement Analysis =
Today!
This email transmission and any files transmitted =
with it contains confidential and privileged information and information =
protected under state and federal law, including the HIPAA and HITECH =
Privacy Rules. Such information is intended solely for the use of the =
named individual or entity to which they are addressed. Use or =
redisclosure by any other party is not authorized. If you are not the =
intended recipient, you are hereby notified that any disclosure, =
copying, distribution or use of this transmission, its contents, =
enclosures or attachments is expressly prohibited. If you have received =
this transmission in error, please immediately notify the sender and =
delete the entire message and its attachments from your system. This =
communication represents the originator’s personal views and opinions, =
which do not necessarily reflect those of GPIS.
[GPIS] Password Changed
Password changed for user: swiss
[GPIS] New User Registration
New user registration on your site GPIS:
Username: swiss
Email: swiss@gpis4u.org
FW: Information And Links On How And Why To Use Video Conferencing!
Good info =
below, especially with Coronavirus fears=E2=80=A6
From: Steve Pandullo =
<SPandullo@athene.com>
Sent: Monday, March 9, 2020 =
10:25 AM
To: Sam Wiss =
<samuelwiss2012@gmail.com>
Subject: Information And =
Links On How And Why To Use Video =
Conferencing!
,
One of the things I have been looking into =
is finding more efficient ways of staying in front of clients. Virtual =
meetings allow us to touch our clients more frequently and with less =
interruption to their daily flow. This year I have decided to make an =
effort to start implementing more virtual meetings.
I have divided the information into =
categories by topic. Some of the information pertains to team meetings =
but provides tips that can be incorporated into individual sessions as =
well.
Why You Should Look At Using Video =
Conferencing
4 Tips For Strengthening Client =
Relationships With Video Conferencing =
Https://Www.Boomer.Com/Post/2018/12/11/4-Tips=
-For-Strengthening-Client-Relationships-With-Video-ConferencingIs It Better To Meet With Clients In Person =
Or Online? =
Https://Www.Investmentnews.Com/Is-It-Better-To=
-Meet-With-Clients-In-Person-Or-Online-75275Farewell, Mahogany Desk: Planners Take Their =
Meetings Online =
Https://Www.Financial-Planning.Com/News/Virtual-=
Only-Planners-Take-Their-Meetings-OnlineThe Best Way To Meet With Clients Without =
Meeting With Them =
Https://Www.Investors.Com/Financial-Advisors/Imp=
rove-Communication-With-Clients-Best-Way-Meet-Clients/
Relationships With Video Conferencing =
Https://Www.Boomer.Com/Post/2018/12/11/4-Tips=
-For-Strengthening-Client-Relationships-With-Video-ConferencingIs It Better To Meet With Clients In Person =
Or Online? =
Https://Www.Investmentnews.Com/Is-It-Better-To=
-Meet-With-Clients-In-Person-Or-Online-75275Farewell, Mahogany Desk: Planners Take Their =
Meetings Online =
Https://Www.Financial-Planning.Com/News/Virtual-=
Only-Planners-Take-Their-Meetings-OnlineThe Best Way To Meet With Clients Without =
Meeting With Them =
Https://Www.Investors.Com/Financial-Advisors/Imp=
rove-Communication-With-Clients-Best-Way-Meet-Clients/
Video Conferencing =
Etiquette
6 Ways To Look Better While Video =
Chatting =
Https://Finance.Yahoo.Com/News/6-Ways-To-Look-=
Better-While-Video-Chatting-84930154204.Html5 Body Language Tips For Better Video =
Conferences =
Https://Highfive.Com/Blog/5-Body-Language-Tips-Better-Video-Confe=
rencesVideo Conferencing Etiquette: 10 Tips For A =
Successful Video Conference =
Https:=
//Www.Owllabs.Com/Blog/Video-Conferencing-Etiquette
Chatting =
Https://Finance.Yahoo.Com/News/6-Ways-To-Look-=
Better-While-Video-Chatting-84930154204.Html5 Body Language Tips For Better Video =
Conferences =
Https://Highfive.Com/Blog/5-Body-Language-Tips-Better-Video-Confe=
rencesVideo Conferencing Etiquette: 10 Tips For A =
Successful Video Conference =
Https:=
//Www.Owllabs.Com/Blog/Video-Conferencing-Etiquette
Software Suggestions
The 10 Best Free Video Conferencing Tools To =
Choose From =
Https://Ww=
w.Owllabs.Com/Blog/Video-Conferencing-Tools
Choose From =
Https://Ww=
w.Owllabs.Com/Blog/Video-Conferencing-Tools
Thank you for the support, and please let me =
know what questions you. Talk Soon!
Thanks,
Stephen J Pandullo, =
CFP=C2=AE, RICP=C2=AE, CEPA=C2=AE, ChFC=C2=AE
Regional Vice President, Broker Dealer =
Channel
Athene USA 7700 Mills Civic Parkway | West =
Des Moines, IA 50266
C: 515-850-8093 | www.AtheneAnnuity.com | spandullo@athene.com
Internal:
Austin Eller
Internal Wholesaler =E2=80=93 Broker Dealer =
Channel
Athene USA
7700 Mills Civic Parkway | 5A-16f | West Des =
Moines, IA 50266
T: 515-342-6329 | www.AtheneAnnuity.com | aeller@athene.com=
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