universal in all states cities and towns that have RATED #1 CREDIT UNIONS AND YOU DONT HAVE TO BE MILITARY TO JOIN : free credit improvement services and free college fund for your kids where you the certificate of deposit holder controls the funds. unlike 529 educational programs you have to only use the funds for college; IMAGINE 250 INVESTMENT PLUS 100% BORROWING POWER BY THE TIME THE CHILD IS 18 YRS OLD . WOW OVER 100K FOR THIER COLLEGE OR WHAT YOU DESIGNATE FOR THEM ; NEW CAR ETC: I never will understand why POOR PEOPLE OR THOSE 70% OF AMERICANS THAT ARE NOT RICH STRUGGLE ESPECIALLY SINGLE MOMS AND SINGLE PREGNANT GIRLS AND GET INTO PAYDAY LOANS CAR TITLE LOANS AND RIP OFF CREDIT REPAIR COMPANIES. IMPROVING CREDIT WITH YOUR CREDIT UNION IS FREE AND LESS TIME contact me or your fellow job caser staff they do a great job of advice. DEAR JESUS IF PEOPLE ONLY KNEW OF WHAT IS AVAILABLE TO THEM THAT WASNT TAUGHT TO THEM BY SCHOOLS AND COLLEGES AND THAT WHAT THEY DONT KNOW IS KEEPING THEM DOWN FOR THE REST OF THIER LIFES: ITS SAD I CRY EVERYDAY BECAUSE MOST CALL ME AND DONT FOLLOW THRU . under the umbrella IT SOUNDS TO GOOD TO BE TRUE. OR THAT IT MUST BE A SCAM even no personal information ask for and no bank acct numbers or social security numbers and no money presend with out a work from home business model;