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No purchase necessary. One valid entry per contestant.

You must be 13 years of age or older at time of entry to be eligible for this contest. This contest is void where prohibited by law.

Contest entrants must be present and actively involved in vote submission. Collecting names and emails to be entered at a later time will not be considered valid votes and will be grounds for disqualification.

Businesses or individuals using incentives in exchange for votes, including but not limited to offering monetary rewards, coupons, discounts, will be grounds for disqualification.

Any evidence of fraudulent voting will be grounds for disqualification, including but not limited to using emails without consent or using electronic voting programs.

Winners will be notified by email.

Hartford Courant reserves the right to substitute any prize with another prize of equal or greater value.

Employees of Hartford Courant, its respective parent, affiliates, subsidiaries, advertising sponsors and promotional agencies, and the immediate family members of each are not eligible.

Contest entrants agree to abide by the terms of these Official Rules and by the decisions of the contest commissioners, which are final on all matters pertaining to the contest.

Entrants further grant to Hartford Courant the right to use and publish their proper name and state online and in print, or any other media, in connection with the Contest.

Hartford Courant reserves the right to use any and all information related to the Contest, including information on contestants obtained through the contest, for marketing purposes or any other purpose, unless prohibited by law.

The Contest and all of the related pages, contents are copyright Hartford Courant. Copying or unauthorized use of any copyrighted materials, trademarks or any other intellectual property without the express written consent of its owner is strictly prohibited.

Each winner, by acceptance of the prize, agrees to release all Sponsors, and their parent and subsidiary companies, their officers, directors, employees, agents, shareholders, affiliates, suppliers, distributors, and advertising agencies from all liability, claims, or actions of any kind whatsoever for injuries, damages, or losses to persons and property which may be sustained in connection with the receipt, ownership, or use of the prize.

Hartford Courant not responsible for Internet crashes or slowdowns caused by network congestion, viruses, sabotage, satellite failures, phone line failures, electrical outages, natural disasters or acts of man or God.

All results posted are unofficial until winners are posted on the website.

This contest is not intended for gambling. If it is determined that a contestant is using the contest for gambling purposes they will be disqualified and reported to authorities.

Hartford Courant reserves the right to change the rules at any time.

This contest is officially sponsored by Hartford Courant.

Joel Johnson, CFP® Money Wisdom Radio Program

WTIC Newstalk 1080 Saturday at 8:30AM Sunday at 7:30PM