Category Archives: Finance

Finance

Rick Siskey Discusses Giving Back to the Charlotte, NC Community

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Charlotte, NC’s Rick Siskey enjoys the YMCA along with the other families in his community. A firm believer in giving back, Rick Siskey, a Charlotte, NC entrepreneur, was a driving vision behind the founding of the Siskey Family YMCA in 1995. Rick Siskey says the Charlotte, NC Siskey Family YMCA helps the community in ways outside of its usual fitness and youth activities. Charlotte, NC Rick Siskey is most proud, however, of the work the Siskey Family YMCA does in the community, including workshops and youth development programs that make Charlotte a better place.

Charlotte, NC’s Rick Siskey actively participates in the Siskey Family YMCA’s annual “Be a Community Star” auction, which benefits Charlotte, NC residents in need. According to Rick Siskey, the event, which began six years ago, has raised more than $750,000. Charlotte, NC resident Rick Siskey emphasizes that every dime of that money is used to help those in need in the community.

The Siskey Family YMCA in Charlotte, NC is an extension of the work that Rick Siskey does through his company, Siskey Industries. Chairman Rick Siskey helps Charlotte, NC and beyond by helping business owners achieve their dreams. Using experience gained from years of experience in the financial industry, Charlotte, NC’s Rick Siskey counsels others on such subjects as angel investing and success in the business world.

“One of the things we pride ourselves on at Siskey Industries is our ability to help business owners build their actual business,” Charlotte, NC’s Rick Siskey says. “The belief that it’s more important to make things better—not bigger—has been a foundational principle to everything I do.”

In addition to his volunteer work with the YMCA, Rick Siskey has served the Charlotte, NC, St. Judes and the United Way, among many other charitable organizations. He told Greater Charlotte Biz magazine that he chooses charity work that has far-reaching impact.

“It’s important for any entrepreneur, professional and executive to be active in the community to make it a better place now and in the future,” Charlotte, NC’s Rick Siskey told Greater Charlotte Biz. Rick Siskey believes these leaders drive his Charlotte, NC community, including churches and businesses. Through giving back to the community, Rick Siskey of Charlotte, NC says that these leaders are able to become a part of the community and have an investment in its success.

For more information, visit Siskey Industries online at www.siskeyindustries.com

Finance

Rick Siskey: Drivers for Life, Part One

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“Some of my favorite quotations, what I refer to as ‘Life Drivers’, have kept me steadily guided in business and life,” says Charlotte, North Carolina-based investor Rick Siskey. Siskey, a nationally respected angel investor and builder of companies has been motivating audiences for decades.  In fact, as a former member of the National Speaker Association, Rick Siskey has shared his life insights countless times.  “For me, these sound bites of wisdom can be tremendously inspirational,” says Rick Siskey.  In this brief article, Rick Siskey shares five of ten quotations that have carried him through pivotal life moments.

Rick Siskey Life Driver One:  It’s not where you start but where you finish. “It doesn’t matter so much if you start small or big, the key is ending well,” points out Rick Siskey.  According to Siskey, we all start at different locations in this “race of life.”  And yet “finishing the race with integrity and honor” is fundamental, adds Rick Siskey.

Rick Siskey Life Driver Two: If you want to be successful, you must be obsessed with obsession and out work the competition. “It’s probably clear to see why this quotation is a life driver for me,” says Rick Siskey.  Hard work will never be replaced, asserts Siskey.  “I can train skill all day long, but I cannot train will,” states Rick Siskey.

Rick Siskey Life Driver Three: Kids don’t want your money – they want your time.  “I do not live to work, I work to live,” says Rick Siskey.  For this angel investor and business builder, there is nothing more important than the relationships he has with his family.  “The bottom line is, work will always be there but the kids will someday move out and on to establish their lives,” points out Rick Siskey.  Enjoy the kids, enjoy the grandkids and build a lasting solid relationship with your spouse, that is what matters, adds Rick Siskey.

Rick Siskey Life Driver Four: Think like a gladiator, act like a mercenary. “Without a carefully thought out strategy, you are planning to fail, because you have failed to plan,” states Rick Siskey.  Yet once the strategy is in place, “refer back to my life driver number two. Work with an attitude of never quitting, never giving up,” adds the Charlotte based businessman.

Rick Siskey Life Driver Five: Work on your strengths and not your weaknesses… strong strengths will always win.  If you work on your weaknesses, you will go to your grave with strong weaknesses. “We all have weaknesses. No one can be a heavy hitter at all aspects of life or business,” maintains Rick Siskey.  He says that an individual can work on their weaknesses and only improve five to ten percent.  “However, a person can work on strength, improve it easily by fifty percent and do great things,” concludes Rick Siskey.

For more information, contact Rick Siskey at Siskey Industries at rsiskey@siskeyindustries.com

About Rick Siskey

Rick Siskey knows there is no substitute for the combination of intuition and discipline. A student of the capital markets, Siskey understands what it means to build solid, successful companies. Inspired by a commitment to traditional values, Rick Siskey founded and established Wall Street Capitol. Siskey envisioned Wall Street Capitol as a company that would meet the financial requirements demanded by high net worth clientele.  Drawing from a pool of exceptional talent, Wall Street Capitol has demonstrated solid performance for its investors even in times of economic instability.

In addition to his role at Wall Street Capitol, Rick Siskey serves as the Chairman of Siskey Industries, LLC.  Through traditional and alternative sources of funding, Rick Siskey and Siskey Industries offer strategic insight and solutions through alternative investment conduits. Over thirty years, Rick Siskey has built a reputation as a seasoned investor and advisor to numerous entrepreneurs and businesses both small and large.  In fact, the Greater Charlotte Biz magazine described Rick Siskey as having “an uncanny ability to discern situations in advance.”

Finance

Richard Siskey Discusses Angel Investing for Beginners

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“There are many principles to understand, but actually angel investing is not as difficult as some may think,” states Richard Siskey. Siskey would know. After spending many years in the financial markets, Richard Siskey founded Wall Street Capitol and Siskey Industries, LLC.  Thirty-plus years of experience under gird Siskey’s words of wisdom concerning angel investing.

“Many times, persons new to angel investing think that getting all the terms of the deal right is the most important aspect,” says Richard Siskey.  While that may be extremely important, investing in the “right start-ups, particularly when new to this form of capital investment,” is vital, explains Siskey.  “An angel investor can have every ‘t’ crossed and ‘i’ dotted, but if it is not the right start-up to invest in, it won’t matter in the end,” explains Richard Siskey.  A good term on a bad investment, maintains Richard Siskey, is still a bad investment.

“Through the years I have seen many people become angel investors in different ways,” reports Richard Siskey.  One way is to join a group of angel investors or a syndicate, says Siskey.  “Find a friend or a trusted colleague who participates in this form of capital investing and attempt to join his or her group or syndicate,” adds Richard Siskey.  Whether it is an official angel investing syndicate or a group put together for a one-time deal, Richard Siskey states that a new angel investor will learn.  “This strategy will allow the new investor to ‘write a check’, watch the process, and maybe receive some mentoring from other members of the syndicate,” explains Siskey.

If a new angel investor decides not to join a syndicate and to “maverick the process”, Richard Siskey suggests two things.  “Watch one episode of the TV show Shark Tank and note that each investor is concerned about two numbers,” says Richard Siskey.  Explaining his Shark Tank comment, Richard Siskey says that the investors on the show demonstrate a major point concerning numbers in angel investing.  “They always note that per the request for capital, the company should then be worth ‘x’ thousands or millions,” Richard Siskey explains, “and they will ask about sales, assets and so-on concerning the company.”  In other words, angel investors new to the concept need to be focused on two numbers:  the amount they are investing versus the valuation of the company.

“There are a lot of great tools online and books that can be read by those new to angel investing,” states Richard Siskey.  And while an angel investor will make some mistakes and perhaps lose some money, “they want to minimize the losses, especially in the early days of their new investing strategy,” states Richard Siskey. “Always have a lawyer review every document you draw up in any agreement,” concludes Richard Siskey.

Richard Siskey is an angel investor and the Chairman of Siskey Industries, LLC. For more information, contact Richard Siskey at rsiskey@siskeyindustries.com.

About Richard Siskey

Over a span of thirty years, Richard C. Siskey (Rick Siskey) has become known as a premier investor and advisor to numerous entrepreneurs and businesses.  Possessing what the Greater Charlotte Biz magazine dubbed, “an uncanny ability to discern situations in advance,” Richard Siskey knows what it takes to start, build, finance and sell businesses.

Motivated by raw challenge and competition, Richard Siskey founded Wall Street Capitol.  After spending years in the financial markets, Richard Siskey developed moves and strategies that were a proven success.  In establishing Wall Street Capitol, Siskey envisioned a company that would service all the financial needs expected by high networth clientele.  Today, with a phenomenal talent and skill set under one roof, Wall Street Capitol performs at a level not easily matched for entrepreneurs and individuals of financial means.

Richard Siskey is the Chairman of Siskey Industries, LLC.  Siskey Industries offers traditional and alternative sources of capital funding, strategic advisory solutions and alternative investment opportunities.  As Chairman of Siskey Industries, Richard Siskey joins his expertise to a network of industry professionals in the arena of private equity investing.

Known for his integrity, Richard Siskey has built his businesses based upon that value.  In a recent article one of Siskey’s clients commented, “Integrity, without question, has to be number one in financial services. I have personally seen his integrity moved from words to action.”

In 2000, Richard Siskey moved Wall Street Capitol to a specially designed 75,000 square foot office building located on prime real estate in the SouthPark area of Charlotte, North Carolina.  With the professional touch often related to Siskey, these offices have become the infrastructure for expansion.  Today Richard Siskey, Wall Street Capitol and Siskey Industries serve a diverse base of clients both regionally and nationwide.

Richard Siskey believes that community and family are to be valued above business.  He has supported and actively given to Queens College, Catholic Social Services and numerous charities that include the United Way.  In a long list of opportunities, Siskey points to one that has nothing to do with money or business:  the YMCA.  In 1995, Richard Siskey’s civic contributions and support of the YMCA organization were honored with the naming of The Siskey Family YMCA, a recognition for which he remains very grateful.

Richard Siskey completed his Masters of Business Administration at the Queens University of Charlotte.  Deeply grateful to have earned his graduate degree from the prestigious McColl School of Business, Siskey has lectured throughout the country on a number of fiscally oriented topics. Richard Siskey is also past member of the National Speakers Association, in good standing.

Richard Siskey has been a resident of Charlotte, North Carolina for over twenty-six years.  He is married to Diane and they have two adult children.

Finance

Instant Tax Solutions: Back Tax Relief, Part One

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According to the professionals at Instant Tax Solutions, “the IRS is becoming more cooperative than ever.” The reason for this increased willingness for compromise, according to Instant Tax Solutions, is the current economy. Instant Tax Solutions is a forty-person team of tax professionals that assist individuals with tax relief. Co-founded by Byron Pedersen and Ian Woodman, Instant Tax Solutions has a client list that spans the entire nation.

“While it is important for an individual owing back taxes to consult legal representation, there are basically two categories of programs for handling back taxes,” explains Instant Tax Solutions’ Byron Pedersen. The first category of programs, according to the Instant Tax Solutions co-founder, is to enter into an agreement settling the amount of back tax for less than owed. “If for some reason the tax debt cannot be reduced, a taxpayer can apply for special consideration,” explains Instant Tax Solutions’ Pedersen.

In this article, using the Instant Tax Solutions website as a resource, we will briefly examine the three options available if the Internal Revenue Service agrees to settle back taxes for less than what is owed. The first option, according the Instant Tax Solutions website, is the Offer in Compromise. “While this is the most popular option among taxpayers, it is also the most difficult for which to qualify,” notes Instant Tax Solutions. The OIC gives the IRS authorization to reduce the amount owed, including penalties and fees, according to Instant Tax Solutions. “The burden falls on the taxpayer applying for this option to prove that the amount owed would force them into financial hardship,” says Instant Tax Solutions, “and that it probably would never be paid in full.”

According to the Instant Tax Solutions website, the second option under the program of a settlement reduction is penalty abatement. The Instant Tax Solutions online resource explains that penalty abatement is the elimination or reduction of fees and penalties imposed by the IRS. However, according to Instant Tax Solutions, reasonable cause for failure to follow tax laws must be stated. Instant Tax Solutions further explains that some of those reasons include death or serious illness, unavoidable absence by taxpayer, or inability to determine tax amount for reasons beyond taxpayer control.

The third option under the program of settling back taxes with the IRS for less than what is owed, says Instant Tax Solutions, is a Partial Payment Installment Agreement (PPIA). According to the Instant Tax Solutions website, a PPIA is a reduction of total tax liability broken down into a monthly payment plan. In order to qualify, the taxpayer has to demonstrate that they are financially unable to pay the minimum monthly payment of the tax debt, explains Instant Tax Solutions. A negotiated agreement may be reached, for a lesser amount, allowing the taxpayer to pay their tax liability over a monthly payment plan.

Whatever the situation may be, a taxpayer owing back taxes needs proper representation, maintains Instant Tax Solutions co-founder Byron Pedersen. “Qualified representation, like that provided by the professionals at Instant Tax Solutions, knows the ‘in and outs’ of the IRS and can negotiate the best option for the taxpayer,” states Pedersen.

Instant Tax Solutions was birthed out of a vision to join expert tax relief services with an absolute commitment to integrity. With genuine concern for clients and a combined tax relief experience of over one hundred years, the professional and highly educated staff continues to remain current with tax changes. For more information about the assistance offered by Instant Tax Solutions, visit them online at http://InstantTaxSolutions.com.

Click here to read Part 2 of Instant Tax Solutions: Back Tax Relief

Finance

PFGBEST: Helping Individuals Manage Risk in Their Investing and Trading

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According to PFGBEST, one of the most significant events to rock the U.S. financial market in decades has begun. This event is the listing of and public trading of a product called single stock futures (SSF). According to the PFGBEST website, “The world is changing and people are taking control of their futures and their portfolios.”

Single stock futures, by definition, are future contracts with the underlying asset of a publicly-traded security. Perhaps you have traded stocks. Perhaps you have traded futures. With single stock futures, an investor can speculate on the direction of one stock (or a sector) or hedge risk associated with their existing portfolio. Single stock futures, according to PFGBEST, are an asset class that took years to develop and bring to market.    Continuing the PFGBEST commitment to education, the company actively supports various educational entities devoted to how single stock futures work, why they might be useful to you as a personal investor or trader, and how to access ongoing research concerning single stock futures.

Savvy investors know they must find opportunity where it exists – and then take advantage of it. To be successful in investing, it is necessary to stay ahead of the learning curve as new asset classes become available. According to the PFGBEST website, staying ahead of that curve often means an investor must learn to trade the world’s most popular stocks in “the other stock market.” When it comes to an investment portfolio, PFGBEST helps clients stay ahead of that curve and find opportunity, wherever it may be.

It is important to note, according to PFGBEST, that single stock futures are not suitable for all types of investors. The PFGBEST website, and any National Futures Association -compliant entity, is clear that there is a substantial risk of loss in trading futures and options. Also available on the PFGBEST website is a downloadable security futures risk disclosure. Another link on the PFGBEST website allows investors to obtain an additional required security futures risk disclosure statement.

While single stock futures trading has its risks, PFGBEST brings education to the forefront. In the PFGBEST simulated training program BEST Test, a client is able to begin the learning process and practice in the area of trading or investing in single stock futures. A 30-day free trial with the PFGBEST simulation software (BEST Test) may be the first best step in SSF practice trading.

PFGBEST focuses on sustainable investing for long-term probability of success for customers by offering a diverse suite of trading technologies, products and services.  The company provides low barrier to entry opportunitites as well as solutions for highly-sophisticated, advanced investors.  Services offered include commodity trading accounts, futures, forex, options, managed investments, trading systems, research, global services, simulated trading, branch/IB networking, physical metals, and investor education.  For more information, visit PFGBEST online at http://www.PFGBEST.com or call 855-734-2378.

About PFGBEST

PFGBEST focuses on sustainable investing for customers by offering a diverse suite of trading technologies, products and services – with an emphasis on low barrier-to-entry opportunities. PFGBEST is one of the largest non-bank, non-clearing U.S. futures commission merchants, with customers, affiliates and brokerage offices in more than 80 countries.

PFGBEST has ranked for more than 11 consecutive years as one of the nation’s Top 50 Brokers.  PFGBEST has more than $500 million in customer assets in segregated futures and forex accounts.

PFGBEST has created and owns its own trading and back office technologies.  PFGBEST’s proprietary platform BESTDirect®  was among the first electronic futures and forex trading platforms to connect retail customers directly to exchanges in 1998.

PFGBEST, through its model of customer-driven technology, makes sure that PFGBEST and customers using its platforms, are connected directly to global exchange order entry systems and market data for speed, efficiency, and simplicity in trade execution.

PFGBEST offers managed investments through the PFGBEST Managed Futures division, along with its core suite of products including futures, forex and options, full-service brokerage, precious metals, trader education, research, and, of course, direct online trading.  PFGBEST trading professionals have created blended portfolios that are customized and managed to meet the great demand for diversification and enhanced return strategies incorporating futures, forex, stocks, and options.  A broad, global distribution network of more than 700 IBs, GIBs and brokers is helping PFGBEST’s business grow at a remarkable pace.

The brand PFGBEST and slogan, “The BEST thing about our technology is our people” stand for the ability to help find solutions for investors and traders through one-on-one customer advocacy and technological innovation in futures, foreign exchange, options, managed accounts, and other alternative asset classes.

The team at PFGBEST considers it a privilege to serve customers and their accounts, and PFGBEST represents client interests in extensive industry thought leadership – through the media, at global conferences, as published authors, spokespersons and as partners.

For more information on PFGBEST, call 855-PFGBEST (855-734-2378) or 319-553-2172, or visit them at http://PFGBEST.com.

Finance, Health and Beauty

Senior Healthcare Consultants: Creating a Dream Environment for Sales Professionals

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What if, as a salesperson, potential sales came to you?  According to the staff members of Senior Healthcare Consultants, that sales dream is a reality for them.  Senior Healthcare Consultants, with their appointment-generated system, release their team of professionals from the burdens of traditional cold calling and sales prospecting.  According to one staff member, “it is a huge reason to work for Senior Healthcare Consultants.”

While the cost to Senior Healthcare Consultants is over $1000 per consultant, per week, the payoffs are outstanding.  RJR Insurance Services, of which Senior Healthcare Consultants is a division, has posted new sales premiums over $200,000,000 in insurance products in the last five years.  Senior Healthcare Consultants is the largest division of RJR.  “The system works,” says a Senior Healthcare Consultants staff member.

Senior Healthcare Consultants staff members earn a “very high income.”  According to a spokesperson for Senior Healthcare Consultants, average weekly income for an entry level staff member is $1500.  Senior Healthcare Consultants calculates that number based on 100% commission.  This income is possible because of the Senior Healthcare Consultants pre-set sales appointment system.  “Clearly,” says one Senior Healthcare Consultants staff member, “not only is it a dream to not have to cold call, but the phone system helps you as a Senior Healthcare Consultants staff member earn a great income.”

In most direct sales environments, sales team members have to find their own clients.  “Therefore they are unable to work only four or five days a week, like our team, and earn that sort of income,” points out a Senior Healthcare Consultants associate.  A majority of traditional direct sales personnel is spent between “prospecting on the telephone cold calling, and old-fashioned door knocking.” states Senior Healthcare Consultants.  “With our organization,” maintains the Senior Healthcare Consultants website, “all the barriers to getting in front of an interested customer are removed.”  One associate for Senior Healthcare Consultants explains it this way, “all we do is sell, sell, sell, and sell again.”

The secret to the success of the Senior Healthcare Consultants’ “dream environment” for sales personnel is in the research division.  The Senior Healthcare Consultants research division finds the right customer, setting up the Senior Healthcare Consultants sales team to close deals.  The research division of Senior Healthcare Consultants narrows down clientele with base income of $15,000 at an age of 65 or older.  The call center of Senior Healthcare Consultants narrows it down further to those who are losing or have lost coverage, by choice.

The “sales dream” environment at Senior Healthcare Consultants performs one more step.  “The call center,” says one Senior Healthcare Consultants sales team member, “then calls the prospective client back within an hour of the initial appointment setting.  And this all happens a day before we meet the potential client.”  The follow-up phone call by the Senior Healthcare Consultants call center team ensures that the prospect is indeed interested, understands that a Senior Healthcare Consultants team member is going to visit them and that the prospect will need to make a decision concerning the product offered by that Senior Healthcare Consultants team member.

“When it’s all said and done,” explains another Senior Healthcare Consultants team member, “we are professional closers.  Senior Healthcare Consultants sales division and call center team sets us up to close the deal.”  In this “sales dream environment”, Senior Healthcare Consultants only offers to their clients those companies and products with which Senior Healthcare Consultants has partnered.  The determination as to which companies Senior Healthcare Consultants partners with is primarily based upon “companies that are committed to their customers.”  Senior Healthcare Consultants knows that the quality of the product can be just as important as the quality of service.

With a winning sales methodology based upon pre-set phone call appointments, Senior Healthcare Consultants offers sales professionals the ability to earn a real and steady income.  Beginning sales professionals start with Senior Healthcare Consultants earning on average $1500 per week. Senior Healthcare Consultants markets on behalf of several Fortune 500 companies specializing in the healthcare market for seniors.  Primarily, Senior Healthcare Consultants markets and sells supplement Medicare policies to senior citizens and retirees. While marketing nationwide, Senior Healthcare Consultants is based in Dallas, TX. For more information, visit Senior Healthcare Consultants online at http://www.shcmarketing.com and http://www.shcsales.com.

About Senior Healthcare Consultants

Senior Healthcare Consultants is one division of a seven division nationwide marketing organization called RJR Insurance Services, Inc. providing senior healthcare supplemental benefits with active business in all 48 contiguous states. Over the last 5 years, in their captive career divisions alone, the parent company of Senior Healthcare Consultants has placed new sales premium of over $200,000,000 in insurance products, not including their non-insurance product programs. In just 2009 alone, these divisions exceeded the 50 million dollar level in only that one year.

RJR’s largest subdivision, Senior Healthcare Consultants is an independent marketing firm for highly rated Fortune 500 Companies that specialize in the senior healthcare market and sell primarily Medicare Supplement or “Medigap” policies. SENIOR HEALTHCARE CONSULTANTS is best known for its career distributions, all of which provide the representatives of Senior Healthcare Consultants with 2-4 daily preset appointments, double-verified, and made the day prior to the day for which they are set. These divisions provide the salespeople of Senior Healthcare Consultants with a true career opportunity through its methodology of ensuring Senior Healthcare Consultants have the security of a high, stable weekly/monthly commission income due to the fact that they do not have to rely on prospecting or cold-calling to get in front of interested buyers each day.

Senior Healthcare Consultants sells to a market that is usually not in the workforce and always has income through retirement, social security, pension, etc… This market must spend money on their absolute needs and Senior Healthcare Consultants reports that recent data shows up to 60% of their absolute needs are healthcare. This is what Senior Healthcare Consultants provides. Lastly, with the upcoming surge in the population of seniors, estimated to triple in 10 years, SENIOR HEALTHCARE CONSULTANTS will have significant growth in sales simply based on the force of nature. When other firms have to downsize, SENIOR HEALTHCARE CONSULTANTS will upsize!

To contact a representative of Senior Healthcare Consultants or to receive more information about the services that Senior Healthcare Consultants offers, call 800-933-7231.

Senior Healthcare Consultants
1700 Pacific Avenue #4600
Dallas, TX 75201

Finance

Mario Romano Colts Neck Thanks High School for Hosting Pop Warner Football

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Many communities, like Mario Romano’s in Colts Neck, New Jersey, have their own Pop Warner Football league. It may seem like raising money is by far the toughest obstacle to overcome, but in Colts Neck Mario Romano found other challenges as well. One of the first matters of business in Colts Neck for Mario Romano and his friends was creating a schedule for their Pop Warner Football program. Now, Mario Romano Colts Neck is offering what he has learned about scheduling to others facing the same problem. With his experiences in Colts Neck, Mario Romano hopes he can help save others a similar headache.

Before going any further, the first thing Mario Romano Colts Neck recommends is trying to find an automatic scheduling program. In Colts Neck, Mario Romano found that the benefits of an auto scheduler were that it helped to avoid conflicts between the different teams in the league. “Most programs let you enter in information about the teams, available fields, and boundaries in chronology,” explains Mario Romano Colts Neck. In Colts Neck, Mario Romano found that this inexpensive software was helpful for long-term leagues. The next thing Mario Romano focused on was the establishment of a home field for Colts Neck Pop Warner Football.

One park is the home field for an entire season in Colts Neck, and Mario Romano helped to choose prospective locations. Mario Romano Colts Neck said High School had offered to become the home field before the money was ever raised to create the Pop Warner Football program. Once Mario Romano had Colts Neck High School locked in, he made sure he had a list of local school events that could conflict with their schedule. Mario Romano made sure Colts Neck High School events were never booked the same day as a Pop Warner Football game. “It is crucial that we maintain great relations with the administration of Colts Neck HS,” Mario Romano asserts, “as we need a home field!”

Another tip Mario Romano learned from his experience in Colts Neck was to limit Pop Warner football league scrimmages. “If you schedule too many scrimmages, it can cause too much stress for the players’ young bodies,” Mario Romano Colts Neck says. Instead, Mario Romano Colts Neck has seen teams have success with just one light scrimmage to keep players fresh. It could save your season – and your schedule!

Mario Romano Colts Neck began his career on Wall Street in 1982. Studying there under some of the most prestigious financial professionals of our time before moving to Colts Neck, Mario Romano graduated from St. John’s University well ahead of his class. Relocating to the Colts Neck area, Mario Romano continued serving as an executive with a select group of Wall Street institutions. From his base in Colts Neck, Mario Romano co-founded Wealth Engineering and Development in 2005. Currently residing in Colts Neck, Mario Romano brings over twenty-five years of Wall Street experience to his mission of providing financial education to the masses worldwide. Mario Romano lives in Colts Neck with his wife Gina and their three children. Mario Romano is known in the community of Colts Neck as a key proponent of youth sports and education for the instrumental role he played in bringing Pop Warner Football to the area.

Finance

FINANCIAL TIPS FROM AMERICAN FINANCIAL | RESPONDING TO A TOUGH ECONOMY

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American Financial is a new kind of organization committed to helping consumers manage debt and rebuild their credit without resorting to credit counseling or consolidation companies. The team at American Financial uses their expertise to empower families and individuals to save money on interest payments and get out of debt more quickly. The clients of American Financial understand the value of their money and want to learn how to keep it out of creditors’ hands.

When a family or individual comes to American Financial, they acquire the tools to deal effectively with creditors and plan for future savings. American Financial helps clients to think differently about their money and debts. The financial guidance provided by American Financial provides the tools individuals need to stop letting creditors take undue advantage of them. American Financial help their clients understand some of the recent unregulated trading practices of big banks and investment groups.

Beyond that, American Financial illustrates how these practices directly affect hard-working, wage earning individuals and families that are now feeling the crunch. Through it all, American Financial stands with their clients. American Financial shows their clients how to negotiate the economic troubles that stem from profit-driven decisions that are made very high up the fiscal hierarchy. American Financial reminds clients that the big banks rely heavily on the customers that they are nickel-and-diming with rate hikes and hidden fees.

When people learn the true dynamics of the economic situation, they are more capable of repositioning themselves as proactive members of the marketplace, rather than under-appreciated customers of a big bank system. Consumers are feeling a real bite from overdraft fees and skyrocketing credit card interest rates. With good financial management techniques acquired from American Financial, clients can prevent the big banks shaving money from their personal and family accounts to cover the bank’s losses. The solutions are not difficult to understand but sometimes they are a challenge to implement. However, with the know-how and support of American Financial, clients can develop the financial skills and discipline to eventually restore personal economic security.

Finance

1st Loan Modification of America Presents More Reasons to Buy a Home

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In a recent post, 1st Loan Modification of America outlined three reasons for buying a home as a good investment. To follow up, 1st Loan Modification of America offers four more excellent reasons to become a homeowner, even in today’s economy.

First of all, 1st Loan Modification of America notes that as long as a homeowner has resided in a home for two of the past five years, he or she can exclude up to $250,000 for an individual ($500,000 for a married couple) of profit from capital gains. Considering that the homeowner does not have to buy a replacement home and that there are no age restrictions, 1st Loan Modification of America recognizes this as a great value.

In addition, 1st Loan Modification of America reveals that if a homeowner receives more profit than the allowable exclusion upon sale of a home, that profit will be considered a capital asset. 1st Loan Modification of America explains that this holds true as long as the home was owned for more than one year — and capital assets receive preferential tax treatment.

1st Loan Modification of America recommends utilizing the amortization process, wherein the percentage of principal in a mortgage payment increases every month. 1st Loan Modification of America estimates that on average, each $100,000 of a mortgage will reduce in balance the first year by about $500 in principal, bringing that balance at the end of the first 12 months to $99,500.

Finally, 1st Loan Modification of America says that for many homeowners, it makes sense to pay off credit card debt (often rated at 18% to 22% and non-deductible) with a home equity loan. Equity loan interest is often much lower and it is deductible. 1st Loan Modification of America adds that homeowners can borrow against a home’s equity for a variety of reasons such as home improvement, college, medical or starting a new business, and 1st Loan Modification of America encourages homeowners to consider it for debt relief as well.

For more information contact 1st Loan Modification of America, LLC at 702-227-9660 or email them at modifications@1stloanmodificationnow.com.