On December 19, I will be awarding $100 to the person who has participated the most in our group. The winner will be determined by who has earned the most gems. This is a great opportunity to engage and interact more, so I encourage everyone to participate actively. Let’s make this fun and competitive! Let’s make this group pop. Let’s drop our gems. Let’s drop our wins.

"I just wanted to share that Chase is offering a 50% bonus on Ultimate Rewards points when you use them for Apple purchases on November 30, 2024. It’s a great opportunity to maximize the value of your points!"

**UCC Filing** stands for "Uniform Commercial Code Filing." It's a way for businesses to show that they have borrowed money or used some of their stuff as a promise to pay back that money. Think of it like a school project where you tell your teacher, “I borrowed these crayons, and I promise to return them.” ### Here’s How It Works: 1. **What It Is**: When a business takes a loan and uses something valuable (like equipment or inventory) as a promise to pay back, they file a UCC form. This tells everyone that the lender has a right to that stuff if the business doesn’t pay back. 2. **Where to Find It**: - **State Government Websites**: UCC filings are usually kept at the Secretary of State's office in the state where the business is located. You can visit their website to look up filings. - **Online Databases**: Some websites allow you to search for UCC filings by entering the business name. You can often find this information in state databases. - **County Clerk’s Office**: Sometimes, local county offices also keep records of UCC filings. - **NAV Business Report**: You can also find UCC filings in your NAV business report, which gives you insights about your business’s credit and financing. - **Experian Business Report**: UCC filings can also be found in your Experian business report, which helps you understand your business credit profile. 3. **Can You Delete It?**: - If a business has paid back the loan, they can ask the lender to file a "UCC Termination" form. This tells everyone that the loan is paid off and they no longer have a claim on the business's stuff. - If the business hasn’t paid back the loan, they can’t just delete it. The UCC filing stays until the loan is settled. ### In Simple Terms: - UCC filings are like telling everyone that you borrowed something and promised to give it back. - You can find this info on state websites, local offices, your NAV business report, and your Experian business report. - If you pay back what you borrowed, you can ask to remove the filing.

Chase Checking Account Bonus: - Get a $200 bonus by opening a new Chase Checking account. - Set up Direct Deposit within 90 days. - It is recommended to do an ACH for $500 or above to avoid any issues. - The monthly fee will be waived if the requirements are met. - Keep the account open for at least 6 months after receiving the bonus. - The cooldown period is 24 months, so it's important to maintain the relationship with Chase. Breakdown: - You will earn $200 from the bonus. - Additionally, you can receive $50 for every person you refer, up to $500 per year (10 people). - If you maximize this opportunity alone, you will recoup the course money if you paid $500. - By referring 10 people, you help them earn $200 each. To confirm a direct deposit: - Look for "DDA to DDA PPD ID – ACH Credit" on your account statement. Waiving the monthly fee: - Deposit $500 or more electronically. - Maintain a daily balance of $1,500 for the month. - Maintain an average daily balance of $5,000 or more in this checking account or any other Chase accounts you have. Chase Savings Account Bonus: - It may not be worth it for us. - If you can complete both the checking and savings account bonuses, there is an additional bonus of a few hundred dollars. Please note that all the information provided is based on the available details and may be subject to change.

To maximize your credit limit on preset limit cards, follow the 3X CLI rule: 1. First month: Keep your balance between 10-30% of the maximum limit at any point during the billing cycle. 2. Second month: Increase your balance to 40-60% of the limit if desired. 3. Third month: Maintain a balance between 40-60% of the limit and ensure you meet any bonus requirements. 4. At the 91-day mark: Request a 3x increase on your current limit. Make sure your balance is $0 at the time of the request, and ensure all payments are fully posted, not just pending. 5. Once approved for the increase, mark a date on your calendar 181 days after this date to request the next CLI. 6. Months 4 to 9: Ideally, cycle the card once a month, but at minimum, do so every 3 months. 7. Your CLI will be 3x the newest limit. For example, if your limit is $2,000 on January 1st, you can request a CLI to $6,000 on April 1st, and then to $18,000 on September 29th. Please note that this strategy is specifically recommended for the Amex Blue Business Plus card. It is not necessary to follow this approach for personal cards, as Amex is not typically relied upon for high-limit preset cards. Regarding preset limits, it is advisable to not exceed a total exposure of $35,000 across all Amex preset limit credit cards, unless you are comfortable with potentially undergoing a financial review. For charge cards (such as Platinum, Gold, Green, Plum, and Black Card), there is no preset limit. The spending power on these cards automatically adjusts on a monthly basis, eliminating the need for CLI requests. I hope this clarifies the information for you. Let me know if you have any other questions!