Consumer Tips

Essential horror movies

Get ready for a scary night of slashers and seances! Here are our all-time favorite horror movies. These are definitely fit for a mature audience looking for a thrill on this spooky night.

Kid-friendly Halloween movies

If you’re looking for Halloween movies for the kids (that aren’t too scary like the one’s above) here are some of the best children’s movies for Halloween.

You can also show off your costume and invite friends for a virtual movie party. Here are ways you can virtually celebrate with loved ones this Halloween. Also, it wouldn’t be a Halloween movie party without candy and treats! Check out our huge list of union-made Halloween treats and how to safely celebrate.

A dedicated team — just for you

Wells Fargo has a team of financial professionals who have been specially trained to meet your specific needs. Their understanding of military and veteran culture makes them uniquely qualified to help you achieve your short-term and long-term financial goals.

Programs and options that put you first 

• VA Loans – Wells Fargo's VA loans for eligible military, veterans, and surviving spouses have features that fit your homeownership needs, including¹:
  • Up to 100% financing may be available for qualified borrowers
  • The ability to use gifts or grants to help cover your down payment and closing costs
  • A maximum entitlement amount that may make you eligible for more than one VA loan
• Permanent Change of Station (PCS) – Wells Fargo has a specialized relocation team that is familiar with PCS transfers and understands how to navigate Federal Travel Regulations (FTR).
• Worldwide Military Banking – Offers valuable discounts and benefits plus convenient access to your checking account with services, tools, and resources to help you manage your finances — even if you are deployed.
• Hands on Banking^® for Military – A free, fun financial education website tailored to the needs of active duty service members, veterans, and their families, ranging from the basics of banking to planning for retirement.

Helping you make a smooth transition 

Wells Fargo has a number of innovative programs and initiatives to assist you and your family through your transition from the military:

• Career transition – Wells Fargo values the leadership, discipline, and service record of military members and veterans, employing more than 8,000 team members today who self-identify as veterans. They are committed to increasing our veteran team member population.
• “Hiring Our Heroes’ Military Translator” tool – Helps veterans translate their military skills into job skills.
• Educational support – Through renewable scholarships, we provide education funding to veterans and spouses of disabled veterans.
• Disabled veteran support – Wells Fargo is a proud sponsor of No Barriers Warriors, a series of expeditions that provides a grueling, yet rewarding mental and physical challenge for disabled veterans who want to make a change in their lives.
• Home awards for disabled veterans – Wells Fargo has donated, or is in the process of donating, more than 400 properties valued at more than $60 million to wounded warriors.

Learn more about Wells Fargo Home Mortgage

Online Cooking Lessons – Bon Appetite!

Sur la Table Online Classes
Sur la Table is more than just an awesome kitchen store — they also have one of the largest cooking class programs in the country.  Join expert chefs live from the comfort of your own kitchen for hands-on classes. You can book online classes for only $29 per household.

America’s Test Kitchen Online Lessons
America’s Test Kitchen is famous for helping at-home chefs cook smarter. With 320+ online classes led by trusted experts, you can learn how to master your all-time favorite recipes. Start with a free 3-week trial!

Milk Street Online Cooking Courses
Christopher Kimball’s Milk Street recorded cooking courses are now free! Learn new ways to approach food and how to put dinner on the table fast. Livestream classes are also available — most for under $30.

Virtual Tours and Events

Virtual Tours of Museums, Zoos and Theme Parks
Bring the aquarium and zoo to you! Broaden your horizons with this huge list of free virtual museums, zoos, and theme park virtual tours. Enjoy virtual attractions for all ages – from virtual rollercoaster rides at Walt Disney World to The Sistine Chapel at The Vatican Museum in Rome.

Virtual Smithsonian Events
The Smithsonian Institution offers free virtual classes and events, including tours of gardens, flower arranging lessons and writing hour. Get inspired to try something new!

10 Games to Play on Zoom
Break out the word games, Bingo, trivia and more for your next virtual game party! Get extra competitive and invite friends and family to join the fun. Check out the ways you can virtually connect with loved ones for game night.

Kids Virtual Learning Activities

PBS Kids Learning Resources
PBS Kids has free online resources that support your child’s education and are customized by age. You can also access an online book finder and child development tracker for free.

Whole Foods Kids Foundation – Kids Club
From building your own puppet to making “Eat the Rainbow Roll-Ups,” Whole Foods Kids Club has lots of online arts and crafts activities and creative recipes for your child to choose from.

Spark!Lab Invention Virtual Activities
Spark!Lab is a hands-on invention activity center at the Smithsonian Institute that has free at-home activities for young inventors.

Smithsonian's National Zoo Virtual Activities
The Smithsonian’s National Zoo and Conservation Biology Institute offers free virtual resources for children in grades pre-K to 12. Your child can choose from interactive learning activities, games, live animal webcams like the giant and newborn baby panda cams, and more!

Tropical Storm Sally developed over the weekend and is in the Gulf of Mexico, and rapidly making its way Northwest. MetLife Auto & Home’s claim organization stands ready to assist their customers impacted by Tropical Storm Sally in Alabama, Florida, Louisiana, and Mississippi.

Resources Available

MetLife’s National Catastrophe Response Team is ready to handle any incoming claims, and their claim personnel are prepared to:

• Help customers secure shelter, as needed
• Guide customers through temporary repairs
• Issue advances for immediate expenses
• Promptly compensate customers for any damage to property

MetLife Auto & Home urges residents to pay close attention to local authorities and evacuation orders. Important phone numbers, email addresses, and online resources are included below for policyholders. When disaster strikes, it is critical to contact MetLife as soon as possible and report the claim to the appropriate area.

Reporting Property Damage Losses

If you need to report property damage losses:

• Phone: 800-854-6011
• Fax: 866-743-1546
• Email: MET_CAT@metlife.com

Filing a Flood Claim

If you need to file a flood claim:

• Phone: 877-254-6819
• Email: metlifecs@torrentcorp.com
• Customer website: metlife.managemyfloodpolicy.com
• Agent website: metlife.torrentflood.com

Billing Accommodations

Updates on billing accommodations for impacted policyholders will be provided as they become available.

Tips for Staying Safe

These are other resources that can help you stay safe! Please share these links with your family and friends:

• MetLife Hurricane Support
• Packing a grab-and-go bag in case of disaster
• YouTube — 3 quick hurricane tips
• MetLife Cares Twitter 

This important update was brought to you by Union Plus Auto and Home Insurance. MetLife Auto & Home^® lets union members compare and save on home and auto insurance.

Call 855-666-5797 and mention your discount code: DJ7.

GET YOUR PERSONALIZED QUOTES TODAY

Wells Fargo Home Mortgage Company has programs and services that may help you overcome common first-time homebuyer obstacles, such as a modest income, limited credit history, or limited funds for a down payment.

Buy a home with little to no money down 
Wells Fargo has several loan programs that provide flexible income qualifying guidelines, and low down payment and out-of-pocket costs:

• yourFirst Mortgage^® could help you become a homeowners with as little as 3% down payment on a conventional fixed-rate mortgage
• FHA and VA loans — Most low down payment programs require mortgage insurance, which will increase your monthly payment and the cost of the loan. Talk to a consultant about loan amount, type of loan, and property type eligibility.

Get dedicated support 
Wells Fargo has dedicated home mortgage consultants, who knows your local area and can provide you with one-on-one guidance and help you understand how different loan programs work, so you can make informed decisions.

Enjoy convenient tools and resources
Learn about the financing process by watching educational videos and using shopping tools and calculators found on the Wells Fargo website. Plus, you can track your loan’s progress from a computer, smartphone, or tablet with yourLoanTracker℠.
 

Learn more about Wells Fargo Home Mortgage

Here are some tips to help you evaluate if your car insurance is the right fit — and to ensure you're getting the best deal possible.

Ask About Customization

• You should look for an insurance company that understands how unique you are and your desire for individualized coverage.
• From your driving habits to the style of your car, choose a provider whose benefits and discounts can be tailored to you.

Review Customer Service Ratings

• Choose a company that provides you with the peace of mind knowing that you are cared for during the unexpected.
• It's important you're with a highly-rated provider that can handle your claims with the expert service you need to protect your assets and help you quickly get back on the road.
• Human connection, 24/7 claims processing, and common courtesy are all paramount.

Look for Features & Benefits That Make Life Easy

• Shop for an insurance provider that provides easy and convenient coverage so you have one less thing to worry about.
• Online claims processing can help you quickly gain access to documents you need, review your account, and directly connect with adjustors so you can start the repair and recovery process right away.
• When choosing insurance providers, find out how long it would take to receive claim-settlement funds so you know what to expect from your coverage.
• Look for a provider who offers online bill payment — or automatic deductions from your paycheck — so you can save time and ensure you never miss a payment.

MetLife Auto & Home^® lets union members compare and save on home and auto insurance.

Call 855-666-5797 and mention your discount code: DJ7.

GET YOUR PERSONALIZED QUOTES TODAY

MetLife Auto & Home’s claim organization stands ready to assist their customers impacted by the recent wildfires in California, Montana, Oregon and Washington.

Resources Available

MetLife’s National Catastrophe Response Team is ready to handle any incoming claims, and their claim personnel are prepared to:

• Help customers secure shelter, as needed.
• Guide customers through temporary repairs.
• Issue advances for immediate expenses using debit cards and electronic fund transfers.
• Promptly compensate customers for any damage to property.

Report Property Damage Losses

If you need to report property damage losses:

• Phone: 800-854-6011
• Fax: 866-743-1546
• Email: MET_CAT@metlife.com

Tips for Staying Safe

These are other resources that can help you stay safe! Please share these links with your family and friends:

• CA.gov Daily Reports
• MetLife Cares Twitter 

This important update was brought to you by Union Plus Auto and Home Insurance. MetLife Auto & Home^® lets union members compare and save on home and auto insurance.

Call 855-666-5797 and mention your discount code: DJ7.

GET YOUR PERSONALIZED QUOTES TODAY

With the Disaster Relief Plan, MetLife Legal Plan attorneys are able to provide advice and consultations for many issues that these individuals may face, at no cost through 12/31/2020, such as:

• Reviewing documents related to federal aid and insurance claims
• Providing assistance with identity theft issues due to lost personal documents
• Providing legal help for renters or home owners related to damaged property
• Dealing with creditors and bill collectors

If you need assistance call the Customer Service Center at 1-800-821-6400.

Please note that you are with Union Plus and that you are interested in the document review and consultations services being offered as part of the Disaster Relief Plan. You may be asked to provide the last four digits of your Social Security Number.

Here are eight fun and safe ways you can enjoy this summer with your pet:

1. Buy a kiddie pool for you dog.
   Let them play in and cool themselves off in it. Always keep an eye on your dog while playing in the kiddie pool — and of course make sure they like the water.
    
2. Take your dog (or cat if they like the car) on a scenic drive.
   It’s social distancing while also getting you and your pup out of the house.
    
3. Go hiking with your dog.
   Organize a trail hike appropriate for your dog’s fitness level and breed. Be cautious not to go in the heat of the day, and be sure to bring a doggie water receptacle for breaks.
    
4. Take your dog camping with you.
   Dogs love being outside and will appreciate the nature getaway. Bonus points for letting them sleep in the tent!
    
5. Go to a lake or other safe body of water for an afternoon of swimming. 
   Many breeds love the water, see if your dog is one of them! Consider a canine lifejacket for them if you’re boating with your dog.


6. Go for a summer bike ride. 
   For small dogs, a bike pull trailer meant for children can be easily converted to accommodate dogs, allowing you to take the littlest members along for leisurely summer bike rides. Be sure your pet is safely harnessed in so that he or she can’t leap out. And always avoid roadways with dogs.


7. Check out the local dog park. 
   Most cities have some designated parks where dogs are allowed to roam off leash. Always ensure your pet is up-to-date on vaccinations when frequenting high dog-trafficked areas.


8. Take a scenic car ride with the windows (partially) down. 
   If your dog loves to stick her head out the window, consider getting her "doggles," which are canine goggles designed to protect eyes and shield from the sun as well. 

By getting outdoors and including your furry friend in family outings this summer, you’ll be sure to make lasting memories while also helping your dog to be the best companion possible.

Protect your pet from summertime injuries with Union Plus Pet Health Insurance. Accident Only¹ plans are only $6/month for cats and $9/month for dogs. If you'd like to include illness coverage, there are comprehensive BestBenefit Accident and Illness plans² available. 

Learn MORE ABOUT
Union Plus PET HEALTH INSURANCE

The coronavirus pandemic stalled the start of the traditional spring buying season, and has many buyers and sellers wondering what to do next. If you’re in that group and wondering whether to move forward with your buying plans, here are a six things to consider:

1. Take stock of your personal homebuying goals and finances. 
   Did the pandemic change what you’re looking for at all? Is a home office more important than a backyard patio? What about your finances? Do you feel secure in your job? Do you already have savings set aside for a down payment as well as for a rainy day fund?
    
2. Know what you can afford. 
   The recent health crisis reinforces the reality of economic ups and downs and the fact that disasters can happen. It reinforces the importance of not overextending yourself in buying; you want to be able to weather any economic cycle. As you consider this, know that a bright spot is that mortgage rates are very low right now, which helps stretch your dollars when you decide to buy.
    
3. Start your house hunt from home.
   If you’re worried about venturing out, rest easy in knowing you can do a lot of the groundwork from home. As a result of coronavirus, virtual tours and agent-led video walk-throughs and video chat tours have all been added to the mix of showing homes. Lenders are available to serve you remotely, too, and are always available to have conversations about the lending process by phone.
    
4. Understand your down payment options.  
   There are still financing options available that don’t require you to put 20 percent down. Low down-payment options include our own yourFirst Mortgage^® program and government programs like VA and FHA. How much you put down is a financial decision to weigh as you look at your own finances and personal situation. It’s important to note that putting more down can reduce your monthly payments, which can free up dollars for other parts of your budget, including savings.
    
5. Double down on your rainy day fund. 
   It’s always been a good idea to have a little to fall back on. Owning a home means you’ll have expenses for repairs and updates. The economic uncertainty caused by the pandemic also reinforces the importance of having money to fall back on if you have an unexpected expense or loss in income.


6. Embrace digital tools. 
   Just like shopping for your perfect house, you can apply for a home loan from your kitchen; you never really need to step into a bank. Many tasks can be handled online, from starting the loan applications to signing disclosures and uploading needed documents during the loan process.

The current crisis has many Americans reflecting on their living spaces and thinking about their long-term financial goals. While no one knows exactly what will happen in the economy, if you are weighing whether buying is right for you, take a minute to focus in on your own unique goals, opportunities and circumstances and make the best decision for you.

Learn MORE ABOUT
WELLS FARGO MORTGAGE