Senior Resources Center
In
putting this section together we have used research that others have put
together and have attempted to give proper credit even when this information
has been re-written, shortened and edited. The links should all work as
we have tested them, but if you find one that is not currently active please
let us know by emailing artkoff@yahoo.com.
Live Better and Longer
Research has shown that regular exercise/activity (physical and mental) eating healthy, and
taking care of your body by not smoking, not drinking excessively, not eating
too much, and limiting stress generally allows for longer life. A recent study
found that a regular exercise program (30 minutes of physical activity at least
3 days a week) can redeuce your risk of dying n the next 8 years by 40%. Of
course the genes you are born with are also a major contributing factor.
Diets low in sodium and fats and high in fruits and
vegetables, particularly those high in fiber and antioxidants, help many people
live longer. Studies indicate that people who regularly drink red wine, eat
cranberries, blueberries, blackberries, almonds, walnuts and others who
regularly eat certain kinds of fish live longer healthier lives.
It is difficult to decide what to
eat and what not to eat with so many conflicting studies. Below you will find
some recent information along these lines which I hope is not too confusing. I,
for one, have been eating this way for some time now. Eat the right fish with a
dish of tomatoes and wash it down with a glass or red wine.
A number of studies and
research recently conducted suggest that eating certain kinds of fish is
inversely related to the risks of stroke and heart attacks. Even if you eat
fish as little as 2 or 3 times a month you may get some protection. Fish like
tuna reduce the risk of coronary heart disease because of its content of
omega-3 fatty acids.
On the other hand fish like
swordfish, orange roughy, red snapper, shark and
mackerel often have high mercury levels with can cause other medical problems.
Foods that contain lycopene, like tomatoes, help to reduce the risk of
developing atherosclerosis and coronary heart
disease according to some research and also help with LDL cholesterol.
Still other research has shown that drinking red wine, in
moderation, decreases the production of a a protein
that causes blood vessels to reduce the flow of oxygen to the heart
The
U.S. advisory panel revamping the government's dietary guidelines recommend
Americans eat at least 3 cups of dark green vegetables like broccoli or
spinach; 2 cups of orange vegetables like carrots and squash; 3 cups of legumes
like lentils and chickpeas; 6 cups of starchy vegetables like potatoes, corn
and green beans; and 7 cups of other vegetables like tomatoes, onions and
lettuce.
As to
losing weight the panel wrote: "The healthiest way to reduce calorie
intake is to reduce one's intake of added sugars, solid fat and alcohol - they
all provide calories, but they do not provide essential nutrients."
Living
longer and having a better quality of life is a subject addressed by countless
experts and non-experts alike.
President Clinton comments on this as he wrote in "My
Life" about a biology lesson at Georgetown University that stuck with him,
and was later confirmed in a 2000 study. His professor claimed life was
shortened by the body's inability to absorb and dispose of food. He recommended
greatly lowering the quantity of food eaten by older people.
I suggest you go to this
Website, http://www.beeson.org/ , and take the quiz. It's never too late to start changing
bad habits, habits that can shave years off your life, says Daniel Perry of the
Alliance for Aging Research of Washington, D.C., a non-profit group that
developed the online quiz based on research conducted by the New England
Centenarian Study.
While
doing research on how seniors can help avoid heart attacks I came across a
several studies which spoke about risk factors and they all seem to agree with
cardiologists who recommend that you should
1. Lower
your cholesterol with proper diet, exercise and medication if necessary
2.
Avoid abnormal obesity with proper diet and exercise
3.
Avoid depression
4.
Avoid excess stress
5.
Quite smoking
6.
Bring your blood pressure down
7.
Avoid diabetes and if you have it make sure to treat it under doctor's orders
If
you can change your lifestyle to avoid these risk factors you should certainly
be less likely to have a heart attack. In many cases the advice of a physician
or specialist will be helpful or necessary to assist you.
Information and resources to help you live longer better. A free online
monthly newsletter www.longevityalliance.com
Helpful Medical Websites
American
Dietetic Association. http://www.eatright.org/Public/
To locate a registered dietitian in your area, ask your
physician, or call the consumer nutrition hot line (800/366-1655) of the
National Center for Nutrition and Dietetics
According to Business Week's
Carol Marie Cropper http://www.businessweek.com/execlife the best medical Websites are as follows:
http://www.nlm.nih.gov/ National Library of Medicine, part of the government's
National Institutes of Health. Also check out home to health sites such as
Medline Plus, a patient-friendly location for looking up drugs and medical
conditions which gives the latest health news and a link for information on
clinical trials in your area.
http://www.nimh.nih.gov/ National Institute of Mental Health, which is part of the
National Institutes of Health and provides a comprehensive and authoritative
source of information on mental disorders and treatments.
http://www.health.gov/ U.S. Health & Human Services Dept Well organized
information on everything from breast-feeding to menopause as well as new items
on women's health
http://www.mayoclinic.com/ Mayo Foundation for Medical Education & Research, an
affiliate of the Mayo Clinic of Rochester, Minn. Comprehensive site guides
patients who are weighing treatment options. Tools let you calculate everything
from body mass index to pregnancy due date.
http://www.nationalhealthcouncil.org/ A nonprofit made up of voluntary health agencies,
professional associations, and medical nonprofits and businesses which is a one stop directory of links to groups like the American
Cancer Society, the American Heart Assn., and the National Hospice &
Palliative Care Organization.
http://www.yourdiseaserisk.harvard.edu/ The Harvard Center for Cancer Prevention, at the
Harvard School of Public Health. Readers can fill out online questionnaires for
quick assessments of their risk for diabetes, heart disease, osteoporosis,
stroke and various cancers. The site ranks your risk factors.
http://www.drugdigest.org/DD/Home Express Scripts, a major pharmacy benefits manager. Allows
users to check for potential interactions between the drugs they use as well as
with food and alcohol. Also lets users compare side effects of different drugs.
Site tells whether a generic is available, provides a picture of the pill and
cites uses for the medication
http://www.questdiagnostics.com/ Quest Diagnostics is a leading diagnostics testing
company. Its health library offers information on medical tests, medications,
support groups and general health topics.
http://www.oncolink.com/ Abramsom Cancer Center of the university of Pennsylvania. Its library provides physician
summaries of the journal articles that have influenced the standard of care for
various types of cancer, as well as free access to the table of contents and
abstracts from many cancer–related journals.
Additional sites which both
offer general guidelines (online) about which tests to take and what to talk
about with your physician to assist you in identifying cancer at an early
stage:
Cancer Tests and Danger
Signs
American Cancer Society http://www.cancer.org/
According to the
American Cancer Society here are some of the common signs associated with different types of cancer:
Breast Cancer
· A lump or swelling in the breast
·
Nipple pain or the
nipple turning inward
·
Redness, scaliness
of the nipple or breast skin
· Discharge from the nipple other than breast milk
Lung Cancer
· A cough that does not go away
· Chest pain
· Hoarseness
· Bloody or rust-colored spit or phlegm
Ovarian Cancer
· Bloating or fullness in the abdomen
· Unusual abdominal or lower back pain
· Unusual lack of energy
· Constipation or diarrhea
Prostate Cancer
· Blood in the urine
· Impotence
·
Pain in the hips,
spine, ribs
·
Loss of bladder or
bowel control
Colorectal Cancer
· Change in bowel habits, such as diarrhea or constipation, that lasts for more than a few days
· Rectal bleeding or blood in the stool
·
Cramping or steady pain in the abdominal area
·
Weakness or fatigue
Oral Cancer
·
Sore or pain in the
mouth that does not go away
·
Difficulty chewing
or swallowing
·
Lump
or mass in the neck
·
Persistent white or
red patch on the gums, tongue, ton
sils
or lining of the mouth
Pancreatic Cancer
·
Jaundice
·
Diabetes mellitus
(high blood sugar)
·
Pain in the abdomen
or back
·
Digestive problems
Skin Cancers
· Although only about one thousand to two thousand
people a year die from basal and
squamous cell carcinomas, these kinds of skin cancers are becoming more common.
They can also be disfiguring even if
they don’t spread. About 90 percent of these cancers typically appear on the
head and neck. However, more and more cases are appearing on other parts of the body, probably reflecting the effects of excessive exposure to the sun.
Seniors who have spent a great deal of time outdoors are most at risk and are advised to visit a dermatologist regularly
to have their skin checked
thoroughly.
U.S. Preventative Services Task
Force www.ahrq.gov
Tests often prescribed for
various kinds of cancers including breast, colorectal, lung, oral, prostate,
etc.:: mammography, digital mammography, tomosynthesis
breast imaging MRI’s, PET scans (positron emission
tomography), CT scans (X-ray computer tomography), 3D and Doppler ultrasounds. fecal occult blood tests, flexible sigmoidoscopy,
double contrast barium enema and colonoscopy, spiral CT scans, PSA tests.
Your physician should give you
more information on these tests and how often they should be administered
depending on your symptoms (if any), physical condition, age, and risk factors.
The Department of Health and
Human Services has a Web tool that allows you to track family health patterns
that might signal a higher risk for cancer or some other diseases. http://www.hhs.gov/familyhistory/
The National Society of Genetic
Counselors has a data base to help you find a genetic counselor in your area
at: http://www.nsgc.org/resourcelink.asp
The
American Academy of Family Physicians provides a list of recommended tests that
everyone over 50 should regularly undergo. http://familydoctor.org/x4959.xml
If, after all this good advice, you need to go into the
hospital, go to www.Subimo.com
for a ranking of hospitals on a 0-100 scale
Go
to www.MyUHC.com for recommending
patients with significant problems to specific hospitals.
Go
to www.Healthgrades.com for (*
ratings) of hospitals. Once you have selected a hospital based on this rating
system you much pay $9.95 for a more detailed report.
Resource for those that have Shingles
AfterShingles.com is an educational resource offering tools and information to help educate consumers about shingles and postherpetic neuralgia (PHN), or after-shingles pain, its impact on people’s lives and steps to take to help manage this condition
Exercise Helps You Live Longer and Better
According to the Radiological Society of North America older adults who exercise regularly show increased cerebral blood flow and a greater number of small blood vessels in the brain.
The researchers recruited 12 healthy adults, age 60 to 76. Six of the adults had participated in aerobic exercise for three or more hours per week over the last 10 years, and six exercised less than one hour per week. All of the volunteers underwent MRI to determine cerebral blood flow and MR angiography to depict blood vessels in the brain.
Using a novel method of three-dimensional (3-D) computer reconstruction developed in their lab, the researchers were able to make 3-D models of the blood vessels and examine them for shape and size. They then compared the blood vessel characteristics and how they related to blood flow in both the active and inactive groups.
The results showed that the inactive group exhibited fewer small blood vessels in the brain, along with more unpredictable blood flow through the brain.
"The active adults had more small blood vessels and improved cerebral blood flow," said the study's senior author, J. Keith Smith, M.D., Ph.D., associate professor of radiology at UNC School of Medicine. "These findings further point out the importance of regular exercise to healthy aging."
The study was funded by the UNC Biomedical Research Imaging Center and by a grant from the National Institutes of Health.
Checking Your Pension
To
check up on your pension, or to check a pension from a former employer, go to http://www.pbgc.gov/
If
you are worried about the health of the pension plan of your employer and you
are allowed to do so, consider taking a lump sum payment when you retire and
invest the money safely yourself. Some
pension plans allow for this. Many do not.
Veterans Administration Help Line
800-827-1000
helps widows or widowers get
pension and disability checks
Retirement Planning
Retirement-4-U is a retirement planning, analysis and forecasting company
offering individual retirement information that will benefit you for a
lifetime. Each retirement plan is tailored to your assets, goals, and expenses,
often leading to early retirement possibilities. Our retirement planning
services are fast, convenient and inexpensive.
www.retirement-4-u.com
Disclaimer
No Legal Advice. The information on this site is not intended to
provide, and does not constitute, legal advice. It should not be relied upon or
construed as legal advice and is not a substitute for obtaining legal advice
from an attorney licensed in your state.
No Medical Advice. Those who need medical services or specialized
guidance regarding insurance or other areas involving medicine should contact a
medical professional, insurance professional, or other person with specialized
knowledge. All information contained on this site is for informational purposes
only, including information relating to medical and health conditions, products
and treatments, insurance, and governmental regulations. The information is
often presented in summary or aggregate form and is not meant to be a
substitute for the advice provided by your own physician or other
professionals.
Do not use the information contained on this site for diagnosing a health
problem or prescribing a medication. You should always consult your own
physician and medical or other advisors.
Intellectual Property Rights. The editorial content and graphics on this
site are protected by U.S. copyright and international treaties and may not be
copied without the express written permission of RetiredBrains LLC who reserves
all rights. Re-use of any of the editorial content and graphics for any purpose
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AAA
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F
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800-222-4357
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Press 0 at each prompt, ignoring messages.
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Alamo
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D
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800-462-5266
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Direct to human.
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Allstate
Motor Club
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B
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800-869-7997
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Direct to human.
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Auto
Zone
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800-288-6966
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Press 1; at prompt press 2; at prompt press 0.
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Avis
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800-230-4898
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Press 2.
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BMW
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800-831-1117
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Say "customer relations" and then press 1 for
"vehicle" or 2 for "motorcycle."
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Budget
Rent a Car
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B
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800-527-0700
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Buick
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800-521-7300
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Cadillac
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800-333-4223
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Chevrolet
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800-222-1020
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Chrysler
Financial
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800-700-0738
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Chrysler
Group
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800-992-1997
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Dodge
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800-992-1997
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Dollar
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800-800-4000
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Ford
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800-392-3673
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press 1; at prompt press 0.
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Ford
Interest Advantage
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800-462-2614
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Ford
Motor Credit
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800-727-7000
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GMC
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800-462-8782
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Harley-Davidson
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414-343-4056
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Hertz
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800-654-3131
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Direct to human.
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Honda
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F
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800-999-1009
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Honda
Financial Svcs.
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800-445-1358
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Jeep
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800-992-1997
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Lincoln
Mercury
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800-521-4140
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Mazda
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800-222-5500
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Press 0.
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National
Car Rental
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B
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800-227-7368
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Direct to human.
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Nissan
Credit (NMAC)
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F
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800-888-2799
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Nissan
USA
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F
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800-647-7261
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Press #.
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Pep Boys
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F
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800-737-2697
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Press 33; at prompt press 1; hold through prompts for
representative.
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Pontiac
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F
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800-762-2737
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Ryder
Customer Service
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305-500-3726
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Direct to human.
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Ryder
Rentals
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C
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800-297-9337
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Don't press or say anything.
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Saturn
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800 553-6000
@
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Press 3.
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Thrifty
Car Rental
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800-331-9111
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Toyota
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F
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800-331-4331
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Press 6.
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Toyota
Financial Svcs.
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F
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800-874-8822
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Select Language option; press # at each prompt, ignoring
messages.
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UHAUL
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C
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800-789-3638
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Direct to human.
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Volkswagen
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F
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800-822-8987
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At prompt, press 32; if offered, press 1 to take survey or
2 to decline.
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Volvo
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800-458-1552
@
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Press 0, ignoring messages.
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grade
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contact
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get human customer service
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Amazon
Visa
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F
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888-247-4080
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American
Express >
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800-528-4800
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AT&T
Universal Card
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800-423-4343
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Bank
Card Svcs.
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800-655-1491
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Bank
of America Credit
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800-732-9194
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Barclays
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877-523-0478
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Best Buy
Card
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800-365-0292
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recording.
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Bloomingdales
Credit
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800-295-4057
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Direct to human.
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Capital
One
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800-548-4593
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Card
Services
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888-363-8001
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Chase
Credit Cards
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800-432-3117
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ChevronTexaco
Credit
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F
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800-243-8766
@
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Citi Cards
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F
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800-633-7367
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Citi Simplicity
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866-696-5673
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Dell
Financial Services
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800-283-2210
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press #.
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Diner's
Club
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800-729-5309
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Press 2.
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Discover
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F
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800-347-2683
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Please enter your 16 digital account number
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Exxon
Mobil Card
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800-344-4355
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Gap
Credit Card
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800-887-1198
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number.
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GM
MasterCard
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800-947-1000
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Home
Depot Credit
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800-677-0232
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Household
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800-771-7339
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JC Penny
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800-542-0800
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Kohls Credit
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800-564-5740
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Lord
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800-223-7440
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Macy's
Credit
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800-280-4356
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Press 9; press 0 at each prompt thereafter, ignoring
messages.
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MasterCard
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800-622-7747
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MBNA
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800-421-2110
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PayPal
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866-571-3012
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Providian
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800-356-0011
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RBS Credit
Card
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800-747-8155
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Sam's
Club Credit
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800-203-5764
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Sears
Credit Card
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800-917-7700
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Press 0000000; press 0 at subsequent prompts.
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Shell
Gasoline Card
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800-490-9119
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SUNOCO
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800-278-6626
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Telecheck
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800-710-9898
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US Bank
Visa
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800-285-8585
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messages.
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Visa
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F
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800-847-2911
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Wal-Mart
Credit Card
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F
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866-888-3868
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Wells
Fargo Credit
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800-642-4720
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grade
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contact
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get human customer service
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ABN AMRO
Mortgage
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F
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800-783-8900
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Press #; at prompt press #; at prompt press 0.
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Allmerica
Financial
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F
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800-533-7881 @
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Ameriquest Mortage
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F
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888-436-7571
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Don't press or say anything.
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Bank
of America
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877-231-9372
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Direct to human.
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Bank of
New York
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F
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800-225-5269
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Press ###.
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Bear
Stearns
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B
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888-807-6898
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Direct to human.
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Charles
Schwab
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C
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800-435-9050
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Press 3, followed by eight digit account number
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Chase
Home Finance
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F
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800-848-9136
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Press #0 at each prompt, ignoring messages.
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Citibank
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F
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800-756-7047
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Citizens
Bank
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F
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800-922-9999
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Press 000.
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Columbia
Mutual Funds
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D
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800-345-6611
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Say "representative."
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Commerce
Bank
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A
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888-751-9000
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Direct to human.
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Compass
Bank
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F
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800-239-5175
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Countrywide
Loans
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F
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800-669-5864
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Dodge
and Cox
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F
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800-621-3979
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|
e*Trade
|
F
|
800-786-2575
|
Press # at each prompt, ignoring messages.
|
|
Equifax
|
F
|
866-640-2273
|
Press 30 at each prompt, ignoring message.
|
|
Experian
|
F
|
800-493-1058
|
Say "yes"; enter report #; enter social security
#; say "yes"; say "agent" then "yes" to confirm
at prompts thereafter.
|
|
Fidelity
|
D
|
800-544-6666
|
Ignore prompt for social security number; press ###.
|
|
First
Nat'l Bank of Omaha
|
F
|
888-530-3626
|
Press 0 at each prompt, ignoring messages.
|
|
FreeCreditReport.com
|
F
|
877-481-6825 @
|
Press 51 at prompt.
|
|
GE
Finance CareCredit
|
F
|
866-893-7864
|
Press # at each prompt, ignoring messages.
|
|
GE MONEY
BANK
|
F
|
877-317-5544
|
Press 1, then don't press or say anything.
|
|
GMAC
|
F
|
800-200-4622
|
Press # at each prompt, ignoring messages.
|
|
Goldman
Sachs Mutual Funds
|
C
|
800-762-5035
|
Direct to human.
|
|
H&R
Block Advisors
|
F
|
866-295-7912
|
Press 3; at prompt press 2.
|
|
HSBC
|
F
|
800-477-6000
|
Press 0 at each prompt, ignoring messages.
|
|
ING Direct
|
B
|
800-464-3473
|
Direct to human.
|
|
John
Hancock
|
F
|
800-732-5543
|
Press 2; at prompt press 0.
|
|
JP
Morgan Chase
|
F
|
800-392-5749
|
Press 131.
|
|
Mellon
Investor
|
F
|
800-522-6645
|
Press #.
|
|
Merrill Lynch
|
D
|
800-637-7455
|
Say "Advisor".
|
|
MetLife
Bank
|
F
|
866-226-5638
|
Press 000 rapidly and repeatedly, ignoring messages.
|
|
Moneygram
|
F
|
800-926-9400
|
Press 0.
|
|
Morgan
Stanley
|
F
|
800-869-3326
|
Press 00.
|
|
NY
Life Retirement Svcs.
|
F
|
800-586-1413
|
Press 0 at each prompt, ignoring messages.
|
|
PNC Bank
|
F
|
888-762-2265
|
Press * at each prompt, ignoring messages.
|
|
Primerica
|
F
|
800-544-5445
|
Press 0.
|
|
Principal
Financial
|
F
|
800-547-7754
|
Enter social security #, then
press 0.
|
|
Prudential
Annuity
|
F
|
888-778-2888
|
Press ** at each prompt, ignoring messages.
|
|
|