Money Management International
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SaveorSpend.com - A Taxing Decision  
       
Official Rules
 

The Save or Spend Story Contest ended at 11:59:59 p.m. ET on Thursday, May 31, 2007. 

 

1. Introduction: Money Management International (MMI) is offering this Save or Spend Story Contest.

NO PURCHASE NECESSARY. A PURCHASE DOES NOT IMPROVE YOUR CHANCE OF WINNING. VOID WHERE PROHIBITED.

2. Eligibility: Entrants must be 18 years of age as of March 1, 2007 and a legal resident of the 50 United States and the District of Columbia. Employees of MMI, parents of employees, subsidiaries, affiliated companies, and agents and the immediate family (defined as parents, spouse, children, siblings, grandparents) of each such employees, and all those with whom such employees are domiciled, are NOT eligible to win the Contest.

3. Timing: Contest begins at 12:00:01 a.m. E.T. on Thursday, March 1, 2007 and ends at 11:59:59 p.m. ET on Thursday, May 31, 2007.

4. How to Enter: Submit your save or spend entry online. Stories must be less than 1,000 characters and discuss spending and/or saving. The stories must not contain profanity or explicit content.

Only one entry per person. More than one entry from any person or e-mail address will void all entries from that person or e-mail address.

If you prefer snail mail, address your entry to:

Spend or Save Story Submission
Attn: Tanisha Warner
9009 West Loop South, Ste 700
Houston, TX 77096

5. VOTING: Winners will be selected based upon the number of votes cast for each eligible spend and save story on or before 11:59:59 p.m. ET on Thursday, May 31, 2007 and the coin rating that each voter gives to your story on a scale of 1 to 10. Votes can be cast by going to www.saveorspend.com and following the instructions on the Web site. Votes will be given a point value equal to the coin rating that the voter gives to the story (i.e. 5 coins = 5 points). The point values of all the coin ratings for each story will be added. The stories receiving the highest cumulative point values will be named the first, second and third place winners. The winners will be determined on or about 8/31/07 by the Sponsor, whose decision is final and binding. Odds of winning are solely dependent upon the total number of eligible entries received, the date the story is submitted, the number of votes cast and the point value each voter gives your story. Entries submitted during the Contest period are only eligible for this Contest and do not remain eligible for any subsequent Contests.

6. Prizes: The following prizes will be awarded:
Entry Deadline: May 31, 2007

Entry Deadline: May 31, 2007

Spenders

Savers

First place winner will receive:
$200 Amazon Gift Certificate

First place winner will receive:
$200 Amazon Gift Certificate

Second place winner will receive:
$100 Amazon Gift Certificate

Second place winner will receive:
$100 Amazon Gift Certificate

Third place winner will receive:
$50 Amazon Gift Certificate

Third place winner will receive:
$50 Amazon Gift Certificate

Total Approximate Retail Value of All Prizes: $700 - Money Management International is not responsible for lost or damaged prizes and none will be replaced. Prizes are nontransferable and must be accepted as awarded. No cash or other substitutions may be made, except by the Sponsor in the event that a prize cannot be awarded for any reason, in which case, the Sponsor will award a prize of equal or greater value. All taxes, fees and surcharges on prizes are the sole responsibility of winner. These prizes are not endorsements by the company producing the product or any other person or entity associated with the product. MMI is not associated with and is not endorsing any of the companies producing the products or any other person or entity associated with the product.

7. Other Terms and Conditions: The winner will be notified by phone and/or mail at the number and/or address provided on their entry submission. The prize winner may be required to sign and return the Sponsor's Affidavit of Eligibility/Liability Release with (where lawful) the Sponsor's publicity release within ten (10) days after attempted winner notification as indicated by the date on the Affidavit. The Prize may be awarded to an alternate winner if any required documents are not returned within such ten (10) day period. If prize notification or the prize is returned as undeliverable or if two (2) attempts to contact winner by phone are unsuccessful, this may also result in prize forfeiture, and an alternate winner may be selected. Unless otherwise noted, allow 10 to 12 weeks for delivery of prizes by mail following completion of notification process.

By accepting the prize, the winner agrees that the Sponsor and those acting under the Sponsor's authority, may use winner's name, picture/portrait likeness and/or voice, for advertising and promotional purposes without further consideration, unless prohibited by law. Entrants must send entries using the correct Contest entry email address, subject line, and any other specific entry information requested in the Contest announcement. The Sponsor is not responsible for and will not consider incomplete or incorrect entries or emails sent but not received by Money Management International for any reason, as potential Contest winners.

Winners of all Contests will be contacted at the “sender” email address used to enter the contest, and the person receiving and replying to the winner announcement email will be considered the winner unless they specify another person within the reply email as the winner. Money Management International will mail the Contest prize to the address supplied by the recipient of the winner announcement email.

BY ACCEPTING THE PRIZE, THE WINNER AGREES THAT THE SPONSOR, SUBSIDIARIES, AFFILIATES, ADVERTISING AND PROMOTION AGENCIES, AND ALL OF THE SPONSOR'S OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS, WILL HAVE NO LIABILITY WHATSOEVER FOR, AND WILL BE HELD HARMLESS BY WINNER FOR ANY LIABILITY FOR ANY INJURY, LOSS OR DAMAGES OF ANY KIND TO PERSONS, INCLUDING DEATH, AND PROPERTY, DUE IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, FROM THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF THE PRIZE OR PARTICIPATION IN THIS SWEEPSTAKES OR PARTICIPATION IN ANY CONTEST OR PRIZE RELATED ACTIVITY. Subject to all federal, state and local laws. Void where prohibited.

8. Miscellaneous: All entries become the sole property of the Sponsor and none will be returned. In the event of a dispute, entries made by Internet will be deemed made by the authorized account holder of the e-mail address submitted at the time of entry. The "authorized account holder" is deemed the natural person who is assigned to an e-mail address by an Internet access provider, service provider or other online organization that is responsible for assigning e-mail addresses for the domain associated with the submitted e-mail address. A potential winner may be requested to provide the Sponsor with proof that the potential winner is the authorized account holder of the e-mail address associated with the winning entry. If for any reason the Contest is not capable of running as planned, including due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failure, human error or any other causes beyond the control of Sponsor that corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Contest, the Sponsor reserves the right in their sole discretion, to disqualify any individual who tampers with the entry process, and to cancel, terminate, modify or suspend the Contest. Sponsor assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, entries. The Sponsor is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers, or providers, computer equipment, software, failure of any e-mail or entry to be received by the Sponsor on account of technical problems or traffic congestion on the Internet or at any web site, any combination thereof, or otherwise, including any injury or damage to entrant's or any other person's computer related to or resulting from participation or downloading any materials in the Contest. The Sponsor is not responsible for late, lost, illegible, incomplete, stolen, or misdirected entries. CAUTION: ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY DAMAGE ANY WEB SITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW.

Sponsor is not responsible for any incorrect or inaccurate information, whether caused by web site users or by any of the equipment or programming associated with or utilized in the Contest or by any technical or human error which may occur in the processing of submissions in the Contest, including but not limited to any misprints or typographical errors. IN NO EVENT WILL SPONSOR, ITS PARENTS, AFFILIATES, SUBSIDIARIES, AND RELATED COMPANIES, ITS ADVERTISING AND PROMOTIONAL AGENCIES, OR ITS DIRECTORS, OFFICERS, EMPLOYEES, ATTORNEYS, AGENTS, AND REPRESENTATIVES, BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF PARTICIPANT’S ACCESS TO AND USE OF THE INTERNET SITE www.saveorspend.com OR THE DOWNLOADING FROM AND/OR PRINTING OF MATERIAL FROM SAID SITE. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON www.saveorspend.com IS PROVIDED “AS IS” WITHOUT WARRANT OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. SOME JURISDICTIONS MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. CHECK YOUR LOCAL LAWS FOR ANY RESTRICTIONS OR LIMITATIONS REGARDING THESE LIMITATIONS OR EXCLUSIONS

9. Winners List: A complete list of prize winners will be available at www.saveorspend.com on or before August 31, 2007. To be notified of winners by email send an email to saveorspend@moneymanagement.org.

10. Sponsor: The sole Sponsor of this Contest and address is:

Money Management International
9009 West Loop South, Ste 700
Houston, TX 77096

 
 
 
  Put the 'Fun' in Refund
   
Hi!  I’m Tax Time Trisha

Did you know that Libras expect the largest refunds?

How do I know? Well, I’m a real refund know-it-all! In fact, when it comes to spending and saving, there isn’t much I don’t know.

Don’t believe me? I’ll prove it! Let’s play ‘Save Or Spend?’

Launch Game
 
 
 
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Have larger plans for your tax refund? Use this simple savings calculator to see how investing your refund can make it grow over time.
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