Receive your cash. Customer Service Representative Jobs. , May 31, 2023 /PRNewswire/ -- Everi Holdings Inc. adults said that considering the costs versus the benefits to the United States, the war in Afghanistan was not worth fighting, while 36% said it was. The entire process takes no longer than a few minutes. 50 charged at the atms was undisclosed and I was charged multiple $2. of Everi Holdings Inc stock, you'll need to sign up for Stash and open a personal portfolio. Everi Holdings EPS beats by $0. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee. They are thieves using fintech and AI. Annual Percentage Rate. to Everi, all costs, fees and expenses of such arbitration, including attorneys’ fees. provides technology solutions for the casino gaming industry in the United States, Europe, Canada, the Caribbean, Central America, and Asia. - Savings accounts limit the number of withdrawals that can be made each month. The games are available on various devices, including desktop computers, smartphones, and tablets. Everi Interactive ProviderThe Everi brand is an important asset for us to use as we address new opportunities and expand the Company’s market share. We also have 1,500+ Lockers, which you can use to send, collect and return parcels, 24/7. Choose the right debit card to save on ATM fees when traveling. The most common types of gambling licenses issued by State authorities cover casinos, racing, lotteries, charitable gaming, and sweepstakes. and 55,000 globally—a network that surpasses the top three U. (“ATM”) debit withdrawals, credit card financial access transacons, and point of sale (“POS”) debit card purchases at casino cages, kiosk and mobile POS devices;. Cash access services allow patrons to obtain cash without leaving the casino floor. We dream, design, program, and build. ATM withdrawal at KeyBank, First Niagara and Allpoint ATMs: No Charge: ATM withdrawal at all other locations in the U. WLV ADV DEPOSIT LAS VEGAS NV. Image source: The Motley Fool. . Triple threat is a 3-reel online slot with five paylines and an rtp of 95. It operates in two segments, Games and Financial Technology. Everi Holdings Inc () Stock Market info Recommendations: Buy or sell Everi Holdings stock? Wall Street Stock Market & Finance report, prediction for the future: You'll find the Everi Holdings share forecasts, stock quote and buy / sell signals below. global cash access. Re: Everi atm fees The $2. Las Vegas, NV 89113-2175. December 5, 2017. There’s a lot to consider when deciding to withdraw money from your TSP account. We listen, help, and serve. 6 million, or $0. everi holdings inc. From just 2-3000 slot machines out there in the market, they grew to a placement of more than 20000 in a very short space of time. You’ll find ATMs conveniently scattered all over the casino floor and also in various places as you walk throughout the resort property. Jake’s 58 leases slot machines from the New York State Gaming Commission, and the company Everi is the state’s licensed operator for its video gaming system. (800) 448-8812 | Directions | More Info. 24%, respectively, for the quarter ended June 2022. We are artists, developers, accountants, marketers, and visionaries. It is. People using Xray and getting your down, everi multimedia games slot machines. Withdrawal Speed : K High5 Rapid Rewards . In order for a new online casino to apply for a gambling license in the U. Locations and available withdrawal methods are determined at the sole discretion of the Gaming Establishment Attention to Money (ATM) in Casinos. (NYSE. It can depend on the location, but the bank has a. In addition, Everi announced plans to leverage favorable market conditions to reprice its. Employees on the front lines are skilled in anti-money. Led by our CashClub® product family, the company’s leading payments software platform, Everi’s payments solutions are designed to maximize funds to the floor, optimize how players access their funds, and enable casino operators to monitor and control player activity with an eye towards responsible gaming. Not going to be home? You can now divert your parcel when it's out for delivery by using our divert service. Provide the purpose of such advance, the amount required, and the employee’s address. Returning a parcel. 93 Daily Change (0. Contents: Prepared Remarks; Questions and Answers; Call Participants; Prepared Remarks: Operator. transmitter@everi. Stash allows you to purchase smaller pieces of investments, called fractional shares, rather than having to pay the full price for a whole share. People may recognize symptoms of withdrawal when they stop taking or cut back on a substance. 6,081,792. Symptoms typically appear within eight to 12 hours after you miss a dose and can persist for up to two weeks. Everi Holdings Inc. LAS VEGAS, Feb. If you’re predisposed to seizures, your risk of having a seizure may also increase during the. News & Media. Another of Everi's short-term objectives is to further develop products in the video lottery terminal market, which is expected to grow at close to 7. Everi is a diverse collection of passionate and talented individuals committed to giving patrons and operators alike a premium experience on the casino floor. About Everi Everi (NYSE: EVRI) is a leading supplier of imaginative entertainment and trusted technology solutions for the casino, digital, and gaming industry. access to cash at gaming facilities via Automated Teller Machine cash withdrawals, credit card cash access transactions, point of sale debit card transactions, and check verification and warranty. Chary. Sending a parcel. 65 . 3mi. Please note that to be eligible for a refund you must: Be the contract. PRE-AUTH ATM WITHDRAWAL - CHECKING W/D. EVERI HOLDINGS INC. Financial Center & ATM. (“Everi FinTech” or “FinTech”) and Everi Games Holding Inc. com every day, you now have instant access to over 7780 free online slots that you can play right here. 11. Play Smokin’ 777 ®. LAS VEGAS, July 15, 2021 /PRNewswire/ -- Everi Holdings Inc. Click on ‘Proceed for Online Claim’. Symptoms of withdrawal are an indication of dependence on a substance. CentralCredit® users access. S. Multipliers and free spins are available to boost your winnings. May 3, 2023 at 10:00 AM · 5 min read. Everi Holdings, Inc. “In the near-term, we expect players’ choice for funding on the casino floor will continue to favor existing cash access solutions, such as ATM withdrawals or cash. Operating income for the 2022 first quarter rose 31% to $52. Your refund will then be sent to you within a few working days. Everi is proud to have the only ATM that allows patrons to convert an unsuccessful ATM withdrawal to a credit card cash advance or a POS debit card transaction without having to remove and reinsert their card. Everi Investor. And welcome to the Everi Holdings 2023 Third Quarter Earnings Conference Call. Video poker classics & modern twists like the world-famous Multi-Rise Poker™ are ready and waiting for you to hit a Royal Flush! 100+ casino games are ready & waiting at your fingertips. The Las Vegas-based company, now known as Everi Holdings Inc. Everi helps simplify the credit-granting decision process for casino operators Casino Solutions Everi powers operator cash and compliance operations through its comprehensive suite of casino solutions designed to optimize casino operations, reduce cash exposure, and improve the guest experience, all while providing the tools operators need to. The FinTech segment provides access to cash at gaming facilities via ATM cash withdrawals, credit card cash access transactions and point of sale debit card cash access transactions, check-related services, fully integrated. 2 million in the prior-year period, and net income increased 54% to $31. (800) 448-8812 | Directions | More Info. New Facility in Las Vegas to Consolidate Production and Distribution Facilities Currently Located in Las Vegas, NV and Austin, TX. (NYSE: EVRI) (“Everi” or the “Company”) announced today that as the first company in the casino industry to offer an EMV-chip signature option for ATM devices, it is now fully end-to-end EMV-compliant with all its financial transaction devices, platforms, and systems used at hundreds of casino. However, in its ruling, the U. One of the fee charges showed up as a withdrawal from my savings account twice which caused a withdrawal limit fee of $40 to be charged by my bank. Withdrawal Speed : K High5 Rapid Rewards . ET. everi payments inc. Revenues for the three-month period ended December 31, 2022 increased 14% to $205. This is when certain symptoms linger following acute withdrawal from benzodiazepines, generally at a much lower level of intensity. 58%) Q2 2021 Earnings Call. WMARKTG. Everi Payments Inc. Withdrawal speeds are always set by the casino and not the game providers! Head to one of our top fast-paying casinos to play the. Cash access services allow patrons to obtain cash without leaving the. They are using fintech from your player card info to EVERI withdrawals to track and manage your play, finances , credit. Most employees may contribute up to $22,500 to a 403 (b) in 2023, and up to $23,000 in. Effexor (venlafaxine) withdrawal, a common form of antidepressant discontinuation syndrome, occurs if you abruptly stop taking it. 2 There are a number of areas around the different zones in the game where you can harvest items (firewood, mushrooms, blue lilies, wild pumpkins, and other items). Sunday-Thursday: 11am – 8pm. Operating income of $52. 50 per transaction 1: ATM withdrawal – International: $3. Sacramento, CA 95834. Las Vegas Harry Reid International Airport 5757 Wayne Newton Blvd Las Vegas, NV 89119 Tel: 800-869-3557. (NYSE: EVRI) ("Everi" or the "Company"), today announced results for the third quarter ended September 30,. EVERNOTE. The complaint alleged that persons who engaged in quasi-cash or manual cash disbursements with Everli at a gaming establishment in the US or on tribal lands. GAMES EVOLUTION HIGH5 NETENT GAMING EVERI INTERACTIVE EVOLUTION DRAFTKINGS INC PARIPLAY LTD LNW GAMING, INC. A Tale of ATM Fraud. Step 6: Click on ‘Yes’ to sign the certificate of the undertaking and then proceed. In an ATM cash withdrawal transaction, a patron directly accesses funds from either a standalone ATM or a device enabled with our ATM service by usingEveri Holdings, Inc. Everi Holdings Inc (EVRI 0. ET. Our nearby location offers full banking & ATM services to cater to our customers needs. Betfair Casino knows what people want. Everi Holdings Inc. Approximately 11,000 Wells Fargo ATMs to help you bank locally and on the go. Common complaints include the following: Digestive. Veridocs. The credit services provider reported $0. Everi Holdings Inc. Everi Payments provides: (a) access to cash at gaming facilities via Automated Teller Machine cash withdrawals, credit card cash access transactions, point of sale debit card transactions, and check verification and warranty services; (b) fully integrated gaming industry kiosks that provide cash access and related services; (c) products and. All Locations are ATM Withdrawals only - no deposits and open 24 hoursEveri Holdings is dedicated to providing video and mechanical reel gaming content and technology solutions,. ¶ 4 Everi provides cash access services to tribal casinos in the form of self-service kiosks located on the casino floor. For example, Super Jackpot Slots and High Rollin’ Vegas Slots perform well on Facebook. LAS VEGAS, Nov. (NYSE: EVRI) announced today that it will release its 2023 third quarter results before the market opens on Wednesday, November 8, 2023, and host a conference call and. SMS Banking Facility. Visit Website. ATMs remain a vital component within the gaming experience, and vendors are responding with improved products featuring enhanced technologies and customer-centric services. Symptoms can include headaches, fatigue, mood changes, constipation, and. Everi Holdings Inc (NYSE:EVRI) has experienced a decrease in hedge fund interest in recent months. Everi is a diverse collection of passionate and talented individuals committed to giving patrons and operators alike a premium experience on the casino floor. LAS VEGAS, July 15, 2021 /PRNewswire/ -- Everi Holdings Inc. Visit your favorite casino right from home with A-Play Online. does hereby voluntarily instruct Everi Payments Inc. LAS VEGAS, March 8, 2023 /PRNewswire/ -- Everi Holdings Inc. Contents: Prepared Remarks; Questions and Answers; Call Participants; Prepared Remarks: Operator. and ancillary products and services. Everi Holdings Inc ( EVRI -2. Real time Everi (EVRI) stock price quote, stock graph, news & analysis. Cash access services allow patrons to obtain cash without leaving the casino. misses on earnings expectations. New, Used & Refurbished ATM Equipment; ATM Wireless; Hyosung ATMs. According to the current price, Everi Holdings is 107. Max payout. The Company, through its subsidiary, designs, develops, and manufactures casino games, as well as provides cash access and customer relationship marketing technologies to the gaming industry. Customers must include any and all leading zeros for Account Everi is fast becoming a major player in the US casino market. Get Started. Find Related Places. Everi payments. The cash dispense ATM remains a convenient, trusted self-service channel for consumers. 26, 2022 /PRNewswire/ -- Everi Holdings Inc. Book your parcel online. everi payments inc. Led by our CashClub® product family, the company’s leading payments software platform, Everi’s payments solutions are designed to maximize funds to the floor, optimize how players access their funds, and enable casino operators to monitor and control player activity with an eye towards responsible gaming. Features of Everi slots include free spins, transferring wild symbols, and scatter prizes, while their slot machine themes such as magic, Irish culture, and animals will appeal to a wide range of players. When a QuikTicket is dispensed from an Everi kiosk, it can be used as currency for gaming, the same way a traditional gaming voucher can be used. 55 million. EVERKEPT INC 616-699-2047 MI 21637. Nov 2, 2020, 5:00 p. You may request an ACH Transfer by: (i) requesting the ACH Transfer through the App on your. buprenorphine, which can shorten the time of the detox period and lessen withdrawal symptoms. S. (NYSE: EVRI) ("Everi" or "the Company"), a premier provider of. engages in the provision of technology solutions to the casino, interactive and gaming industry. com. Everi Holdings Inc. A 403 (b) is a retirement plan available for employees in health care, education, and other tax-exempt organizations. You may have nausea, vomiting, cramps, diarrhea, or loss of appetite. It’s possible that you could spend two, maybe three, decades in retirement. Two traditional options are Certificates of Deposits (CDs) and Individual Retirement Accounts (IRAs). LAS VEGAS, Feb. info@snocasino. Founded in 2015, they’ve produced award-winning slot machines for land-based casinos, developed innovative financial products for the gaming industry, and collaborated with established iGaming studios like SG Digital. Withdrawals in retirement. 2 million in the fourth quarter of 2020 compared to $24. Hyosung Halo II (2600 SE)We take the time to explore your options and find the right one for you. 100 S. To give lotteries and lottery retailers the critical cross-jurisdictional data they need to inform growth strategies, IGT developed the Retail Market Insights® marketing tool, a retail-product sales database with a dedicated staff of analysts. It’s a five-payline slot that uses a 3×3 grid and has just a few special features, namely Multiplier Wilds and Respins. These accounts are fully insured by the FDIC and the. I walk up to the atm kiosk owned by everi and select purchase gaming ticket which would no longer be considered a withdrawal not it would be considered a POS (Point Of Sale). Debit Rate. 01-16-0001-2899 ("the Arbitration"). Search public records of 419 Riverside Dr, Espanola NM. 3 Million Everi Holdings Inc. For example, you might feel nauseated, dizzy, short-tempered, confused, restless, and/or. POS PURCHASE ATM WITHDRAWAL - CHECKING W/D. , a wholly owned subsidiary of Everi Holdings Inc. Everi Payments provides access to cash at gaming facilities via Automated Teller Machine cash withdrawals, credit card cash access transactions, point of sale debit card transactions, and check verification and warranty services; fully integrated gaming industry kiosks that provide cash access and related services; products and services that. for ATM Entrepreneurs; for Store Owners; Forms & Agreements; Equipment. $1. Your ATM max withdrawal limit depends on who you bank with, as each bank or credit union establishes its own policies. EVERI HOLDINGS INC. Everi Announces Closing of $375. Approximately 11,000 Wells Fargo ATMs to help you bank locally and on the go. Withdrawals via ACH may take up to 3 business days (each, an “ACH Transfer”). (NYSE: EVRI) ("Everi" or "the Company"), a premier provider of land-based and digital casino gaming. We foster a culture among our employees to ensure that the WHY we work at Everi reflects our shared commitment to positively impact our employees, partners, customers and their guests, shareholders, communities, and. Everi Holdings Inc. First impressions seem to indicate a compensation policy that is favourable to shareholders. Banks, being the backbone of the financial sector, need a sharp eye to detect illegal transactions. Typically, a Company Sponsor (Employer) of this type of plan creates an account for every individual Participant. 1 million in revenue. Contact Hermes. Specialties: Yaamava' Resort & Casino at San Manuel is Southern California's newest luxury resort featuring a 17-floor hotel tower with 432 guest rooms and spacious suites, an elevated pool deck experience, a lavish full-service spa and salon and convenient 24-hour in-room dining. (NYSE: EVRI) ("Everi" or the "Company"), today announced results for the third quarter ended. 08 Nov, 2023, 07:00 ET. Player-Popular 'Triple Jackpot Gems®' Among Industry-Recognized Titles Available Via Caesars' Online Real-Money Gaming Operations. ET. Next, you should check the availability of the payment methods, as well as the minimum and maximum deposit and withdrawal limits. (“Prove”), the leader in digital identity, today announced that Everi Payments Inc. They will contact your bank to rectify the issue. (NYSE: EVRI) (“Everi” or the “Company”), a. Antidepressant withdrawal symptoms. (“Everi” or the “Company”), a premier provider of land-based and digital casino gaming content and products, financial technology, player loyalty solutions, and bingo, today announced the deployment of Entegrity®, Everi’s fourth-generation Anti-Money. Start a Review. EIP cardholders can use Allpoint Network ATMs to get cash from their cards without paying a withdrawal fee. As financial institutions continue to reinvent their self-service channel, providing technology more in line with the expectations of today’s digitally-minded consumer is key to stay competitive. These symptoms can be unpleasant, and cravings can sometimes lead to binge-eating behaviors. 5 to 10 days after a decrease in dosage or discontinuation of the drug. Classic symbols such as sevens, bars, and cherries. Withdrawal methods. Everi Payments provides access to cash at gaming facilities via Automated Teller Machine cash withdrawals, credit card cash access transactions, point of sale debit card. ocfs daycare regulations. Free ATM Withdrawals Through Your Bank. INSPIRED GAMING SPORTECK NYX GAMING EVERI INTERACTIVE EVOLUTION Thunderstruck. actions ocfs takes to work with a program to bring it back into compliance is a process known as. m. Everi Holdings, Inc. Everi Holdings (EVRI) delivered earnings and revenue surprises of 0% and 8. 0 Million 7. Daily cash withdrawal limit is $500. Specific forms of cash withdrawals, for example, are widely known as suspicious acts. And we can assure you that the steps to process a withdrawal via the cash at the cage method vary very little (if at all) from casino to casino. Millions of visitors each year will now be able to enjoy a premier "stay and play" experience with a brand-new. Everi technology solutions. If you are taking cash out in one of the casino ATMs, be prepared to pay up. What is the daily limit for purchases using the debit card? ATM/Debit card purchases – Daily purchases up to $1,000/day. The casino’s sorting filters allow players direct access to Everi games. performed “better than expected” during the third quarter with a $900,000 loss but $112. LAS VEGAS, Oct. ". Play for free. In fact, it takes just three steps. Just 10 minutes east of Issaquah, we're less than 30 minutes from Seattle. Customers must include any and all leading zeros for Account numbers. At this peak stage, a person may feel very sick. , a Delaware corporation and its applicable subsidiaries and affiliates (“Everi”), to block any cash access transaction(s) request using the Accounts at machine terminals or cashier’s desks which utilize credit card cash advance, ATM, and 7250 S Tenaya Way # 100. Everi ATM functionality supports three distinct types of transactions: ATM withdrawals, POS debit, and credit card cash advance. m. 50 every transaction. Get the latest business insights from Dun & Bradstreet. 2 Million Everi Holdings Inc. Everi Holdings Inc. Everi Holdings has entered the electronic bingo market as it has agreed a deal to acquire assets of Video King for around $59m. Make a form of options. With the Allpoint Network, give customers access to surcharge-free cash at over 40,000 locations in the U. and LAS VEGAS, April 19, 2022 /PRNewswire/ -- Everi Holdings Inc. Step 8: In the claim form, select the claim you require, i. You might consider making a withdrawal at the airport before heading into town. Laws vary quite liberal approach to everi. Share your ideas and get valuable insights from the community of like minded traders and investors Attn: Consumer Services 2101 Arena Boulevard. Here to help when you need it. Inter Miami CF has selected Everi's Venuetize solution as the foundation for their fan engagement mobile strategy, allowing users to stay up-to-date with the latest news, scores, fixtures, ability. 1. Though in general, stimulant withdrawal syndromes are relatively less severe than those associated with other substances such as alcohol and opioids. With drug dependence come difficult withdrawal symptoms that may be psychological and physical in nature, and sometimes even life-threatening. The Nevada-based company said Everi Compliance — its software. LAS VEGAS, Feb. 5 million, or $0. In order for a new online casino to apply for a gambling license in the U. Working in conjunction with Konami’s Money Klip™ — which delivers seamless cashless play at slots and tables — Everi’s CashClub Wallet is an omni channel digital wallet that enables casino operators to offer cashless and contactless funding and withdrawals in and out of Money Klip on the gaming floor as well as at other resort. The origins of the company behind Golden Nugget Casino trace all the way back to the 1940s. Everi takes the money out immediately, before you even go to the cashier. To the Editor: Venlafaxine is a serotonin- norepinephrine reuptake inhibitor (SNRI) with well-documented safety and efficacy in the treatment of major depressive disorder and anxiety disorders and is commonly used for treatment of hormonal hot. FlexFunds™ Self-Service Check Cashing Withdrawals via ACH may take up to 3 business days (each, an “ACH Transfer”). See a problem? Let us know. New players are welcomed with a. , a Delaware corporation and its applicable subsidiaries and affiliates (“Everi”), to block any cash access transaction(s) request using the Accounts at machine terminals or cashier’s desks which utilize credit card cash advance, ATM, and Crypto ATM. A machine that allows you to make electronic deposits and withdrawals from your bank accounts. money transmission activity, you may file it by contacting the Florida Office of Financial Regulation at: Florida Office of Financial Regulation – Consumer Finance200 E. sweating. EVERNOTE. Average of 5 Customer Reviews. Prozac withdrawal symptoms can range from mildly bothersome to severe and incapacitating. You might consider making a withdrawal at the airport before heading into town. Everi Payments Inc. everi kiosk. There are three ways you could be hit with fees when using your debit card overseas. Do the numbers hold clues to what lies ahead for the stock?LAS VEGAS, March 17, 2017 (GLOBE NEWSWIRE) -- Everi Holdings Inc. Everi is a leading software game developer that creates slot machines for both land-based and online casinos. WLV ADV DEPOSIT LAS VEGAS NV. If you need to cancel your order after 10pm on the day you booked, you can get help to complete your refund from our. Contact Information. Competitors. Holding Companies & Conglomerates · Nevada, United States · 2,000 Employees. Casino customers can now benefit from Everi’s partnership with B4U by utilizing Everi’s footprint of ATM and Cash Access Kiosks to access B4U’s cryptocurrency asset liquidation services. The Everi Holdings CEO received total compensation of just US$2. com. To Whom it May ***** would like to respond to the complaint received by Everi Payments Inc. PR Newswire. I am OK with the fee of $2. for Heroin & Withdrawal Treatment. The company operates through two segments, Games and Payments. If you are taking cash out in one of the casino ATMs, be prepared to pay up. GAMES EVOLUTION HIGH5 NETENT GAMING EVERI INTERACTIVE EVOLUTION DRAFTKINGS INC PARIPLAY LTD LNW GAMING, INC. 9%) $0. Returning a parcel. If an address has more than one ATM, please look for the MoneyPass logo on a sign at the ATM or displayed on the ATM screen to avoid paying a surcharge. Specific forms of cash withdrawals, for example, are widely known as suspicious acts. This information will remain confidential, and will be used solely for the purposes set forth above. 50 / share, expiring in 253 day(s) (on January 19. Video King is a tech provider in the electronic bingo space, offering gaming tablets, video gaming content, instant win games and systems to clients. 8, 2023 /PRNewswire/ -- Everi Holdings Inc. , operates as a holding company. Our Spark™ Remote Game Server is built with operator configurability in. Some ATMs have limited hours and/or restricted access. (NYSE: EVRI) ("Everi" or the "Company"), a premier provider of land-based and digital casino gaming content and. Las Vegas, NV – March 14, 2016 – Everi Holdings Inc. Certain antidepressants are more likely to cause withdrawal symptoms than others. (RTTNews) - Everi Holdings Inc. 01 Oct, 2021, 08:00 ET. 03, beats on revenue. With industry-leading payment solutions, Everi empowers casino operators to successfully. With a focus on both customers and. All rights reserved. The IRS does allow some exceptions to the penalty, including:Protracted withdrawal (aka protracted abstinence) can occur. People using Xray and getting your down, everi multimedia games slot machines. EVRI earnings call for the period ending June 30, 2021. ATM · Walk Up. Contact Hermes. This 9-fixed-payline slot is packed with rubies, diamonds, and emeralds. The balance of opinion was about the same among U. Still 4 months later, I cannot get my cash since casino says their not responsible but Everi is. provides video and mechanical reel gaming content and technology solutions, integrated gaming payment solutions, and compliance and efficiency software solutions. 31 May, 2023, 08:00 ET. Allpoint gives you freedom to get your cash how you want, without ATM surcharge fees, at over 55,000 conveniently-located ATMs. No, Allpoint is a surcharge-free ATM network with over 40,000 ATMs in the United States. Everi’s new on-property mobile gaming solution offers a mobile games solution for Class II and Class III gaming jurisdictions. C. A 401 (k) hardship withdrawal is a withdrawal from a 401 (k) for an "immediate and heavy financial need.