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Timothy Powers Asks: Short Sale – Haven or Hassle for Home Buyers?

In Finance, Real Estate on October 14, 2011 at 8:03 pm
Timothy Powers

Timothy Powers

Timothy Powers of Alamo, a California mortgage expert and Realtor® says buying distressed can often mean stress for a homeowner.

Short sale was a term relatively unknown until the market collapse of 2008, says Timothy Powers. Alamo distressed properties are now in high demand, he adds. Unfortunately many are in terrible shape and may need more TLC than the average buyer can afford, points out Timothy Powers. Some Alamo homeowners in a short sale situation have let the property deteriorate due to diminishing finances.

Also, according to Timothy Powers, Alamo investors have a tendency toward buying short sale homes and foreclosures with cash, often beating out families who need bank financing. As the saying goes, “Money is King” and banks are happy to take cash over a promissory note in a short sale circumstance, says Timothy Powers. Alamo banks are already losing money and can’t afford to risk losing more.

Another issue with distressed sales, says Timothy Powers, is Alamo’s bank approval process. Most banks take quite a while to approve a short sale – sometimes many months. According to Timothy Powers, Alamo’s MLS system now requires agents to note a short sale status on the listing. Many buyers will steer clear of an unapproved short sale for the time involved in pushing it through. It’s a catch 22 though, notes Timothy Powers, as Alamo homeowners often wait to receive an offer prior to approaching the bank.

Often, claims Timothy Powers, Alamo banks are not even aware that the homeowner is trying to sell short of what they own. Real estate agents may puff up the property status by saying that it is a short sale to get offers on the table – sometimes just to look good to the client. When the bank hasn’t pre-approved a short sale, says Timothy Powers, Alamo real estate agents often note “offers subject to review by third party” on the listing.

Other problems that may delay a short sale process, says Timothy Powers: Alamo residents with a second mortgage or equity credit line. A secondary lien holder may stop a short sale in its tracks if they are not willing to settle for less than they are owed. Also, if a homeowner is still paying on the loan, reports Timothy Powers, their Alamo bank or mortgage company have no real incentive to accept less money. A buyer may find it helpful to determine whether or not the property has fallen into default, says Timothy Powers. If Alamo sellers can still afford the home – the bank likely won’t accept a short sale.

Says Timothy Powers, Alamo short sale buyers should be prepared for a long and drawn out home search. It is possible, however, and having an experienced Realtor® in the ring can make the difference between being knocked out or lasting until the banks ring the bell on a short sale.

Timothy Powers began his real estate career in 1989 three years after receiving a BS in Business Administration from St. Mary’s College. His passion and natural talent for real estate led him to open a franchise of Intero Real Estate Services and later Paragon Mortgage Bankers. On top of his professional duties, Timothy Powers also donates his time and skills to a project called East Bay Foreclosure – a firm he established to aid our nation’s military that are facing eviction and foreclosure. Timothy Powers is an Alamo Realtor® and mortgage broker who may be reached by calling (925) 855-1810 x22

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Rick Siskey on the Importance of Giving Back to Your Community

In Finance on August 30, 2011 at 1:53 pm
Rick Siskey

Rick Siskey

A longtime proponent of angel investing, Siskey Industries’ chairman Rick Siskey is a firm believer in giving back to one’s community. “The belief that it’s more important to make things better – not bigger – has been a foundational principle to everything I do,” Rick Siskey explains.

While Rick Siskey has worked hard to build his companies, including Wall Street Capitol and Siskey Industries, he firmly believes in following a dream. But dreaming involves more than success in work. “I want to live my life with as few regrets as possible,” Rick Siskey notes. And for Rick Siskey, that involves giving back as much as possible. With great success comes great responsibility and Rick Siskey works hard to make sure he helps others achieve their dreams.

Part of that work involves angel investing.  Rick Siskey points small businesses to the TV show Shark Tank as an example of what angel investors are looking for. “It’s essential that a small business owner understands that money from an angel investor is an investment with a needed return, and that it’s not just a loan,” explains Rick Siskey. While investors certainly hope to gain from this kind of risk taking, Rick Siskey points out that it is still the small start-up company that benefits the most. For those pursuing a dream, angel investors can be a great way to get the start-up capital that can make or break a small company. While many ideas never quite get off the ground, having someone who believes in you can make a huge difference between success and failure.

“One of the things we pride ourselves on at Siskey Industries is our ability to to help build their actual business,” Rick Siskey says. Siskey Industries also provides coaching and advising to help small businesses through good and bad times.

Over a span of three decades, Rick Siskey has become recognized as a premier investor and advisor to entrepreneurs and businesses.  Possessing “an uncanny ability to discern situations in advance,” Rick Siskey knows what it takes to start, build, finance and sell companies. Following a successful career in the financial markets, Rick Siskey established Wall Street Capitol to service the types of financial needs expected by high net worth clientele.  Today Wall Street Capitol performs at a level not easily matched for entrepreneurs and individuals of financial means. Rick Siskey is also the Chairman of Siskey Industries, LLC, offering traditional and alternative sources of capital funding, strategic advisory solutions and alternative investment opportunities.  Through Siskey Industries, Rick Siskey joins his expertise to a network of industry professionals in the arena of private equity investing. For more information, visit www.siskeyindustries.com

???  Can something be added about the YMCA branch named for Siskey?  Also regular supporters of St. Judes, Charlotte Catholic Charities, etc. among other things.  This also speaks to giving back to the community.

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Richard Siskey On Finding a Good Company Founder

In Finance on June 16, 2011 at 10:02 pm

Richard Siskey

“It has long been a debate amongst angel investors about whether it is better to have a good company founder or a good idea,” says Richard Siskey.  Whatever the right answer is, Richard Siskey believes that there are certain qualities to look for in a founder when weighing a capital investment in a company.  Establishing a reputation for success with thirty years of experience, Siskey understands the ins and outs of angel investing.  Spending most of his professional life building, funding and selling companies, Richard Siskey has met quite a few company founders.

“Do they do the ‘right’ thing?  That is one of my first questions concerning a company owner in which I may be investing,” reports Richard Siskey.  And when Richard Siskey is talking about the right thing he speaks of two levels.  “First and most obvious, I look at whether or not they do the right thing as far as making good, solid decisions,” states Richard Siskey.  In addition, adds Siskey, do they do the “right” thing when it comes to integrity?  “Integrity in business means everything,” affirms Richard Siskey. “In the final analysis, all you have is your name and reputation.”

Persistence is also near the top of the list of qualities found in a good founder, says Richard Siskey.  “If a founder gives up easy before I have ever invested money, they will give up easy after they have my money,” points out Richard Siskey.  Company owners need to have a “stomach for the tough” and learn what it means to never give up, according to Siskey.  “Winston Churchill said it best when he said, ‘never, never, never give up’”, Richard Siskey maintains.

“Is this person teachable?” is another question Richard Siskey asks concerning an owner of a company in which he may potentially invest.  “What I do goes way beyond monetary value for me,” explains Richard Siskey.  For me and many other angel investors, says Siskey, it is the opportunity to invest in a person, personally.  “I love training leaders, investing in and growing people,” adds Richard Siskey.  Making money off the investment is “second to being able to help grow people”, says Siskey.

And with the teachability, according to Richard Siskey, must come flexibility.  “I think they go hand-in-hand,” comments Richard Siskey.  If a person can learn, according to Richard Siskey, they will be flexible in their strategy, approach, and flow with the ever-changing winds of business.  “Bottom line, flexibility tells me that this person is willing to see another perspective from someone who has ‘been there, done that before,’” says Richard Siskey.  Flexibility, concludes Siskey, will allow business owners to see beyond their vision and dream to one that “may be larger and greater than they ever thought possible.”

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.

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Stephanie Izen Discusses Top 3 FREE Money Management Applications for BlackBerry

In Finance, Law Firm, Legal on March 10, 2011 at 8:58 pm

Stephanie Izen

Stephanie Izen

According to Stephanie Izen, one of the most useful groups of BlackBerry apps is made up of money management apps. Consumers can download apps that help manage bills, make budgets, or read financial news, reports Stephanie Izen. There are also apps that allow individuals to perform banking transactions or manage their investment portfolios, notes Stephanie Izen.

Stephanie Izen recommends the following free money management apps for the BlackBerry:

1. Personal Assistant BBM. According to Stephanie Izen, with the Personal Assistant BBM app, a person can bring all of their financial information to their BlackBerry. The app allows users to consolidate all of their bank accounts and investment accounts in one place, explains Stephanie Izen. Once it is setup to access the user’s information online, reports Stephanie Izen, the app handles all data entry and account syncing tasks automatically. Stephanie Izen notes that the app also sends out due date reminders for bills. The Personal Assistant makes it much easier to remember to pay bills on time, concludes Stephanie Izen.

2. CNBC Pro. Stephanie Izen recommends this app to investors looking for real-time market information and up-to-the-minute financial news. BlackBerry users can get real-time streaming stock quotes, reports Stephanie Izen, and the latest market data on stocks, bonds, commodities, currencies, etc.  Investors can sign up for customized price alerts and news alerts, states Stephanie Izen, as well as watch CNBC TV.

3. ProOnGo Expense with Receipt Reader. Stephanie Izen recommends this BlackBerry app for storing and managing expenses. Users can take pictures of receipts on the fly, says Stephanie Izen, and the app will organize them in customized categories. Then the program creates informative, useful reports, states Stephanie Izen. The reports can be exported to an Excel spreadsheet or synced with QuickBooks Online Edition, concludes Stephanie Izen.

About Stephanie Izen
Stephanie Izen is a financial and legal “hybrid” – an executive leader who utilizes financial analysis, business acumen, and legal expertise to help businesses thrive. Stephanie Izen may be reached at stephanieizen@yahoo.com.


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PFGBEST Precious Metals Affiliate Offers Physical Gold, Silver, Platinum And Palladium

In Finance on February 16, 2011 at 12:08 pm

PFGBEST

Located in the heart of Chicago’s financial district, PFG Precious Metals, Inc., an affiliated firm of PFGBEST, is a full-service, wholesale precious metals company.  A majority of the product sold by PFGBEST’s PFG Precious Metals, Inc. is straight from supplier vaults, mints, or foundries. PFG Precious Metals, Inc. sells bullion bars and bullion coins. The PFGBEST affiliate products include gold, silver, platinum, and palladium.

PFG Precious Metals, Inc. is a member of the Certified Coin Exchange (CCE).  Membership in the CCE by the PFGBEST affiliate opens new doors to their clients.  Through this integral membership, the PFGBEST affiliate connects with over 450 gold and silver dealers on behalf of a client.  For example, if a PFGBEST client is searching for a rare coin, PFG Precious Metals, Inc. can work with dealers to meet the need.

PFG Precious Metals, Inc.  buys and sells precious metals, and has another key product/service for customers.  Their Gold and Silver Accumulation Program (GSAP) was designed to offer precious metals at affordable prices to individual investors or institutions. The PFGBEST affiliate offers monthly pricing for purchasing precious metals that can be as low as $50 deducted automatically from a credit card.  Each month, investors can purchase or invest in gold, silver or a combination of both.

The benefit of this kind of systematic accumulation is that PFG Precious Metals, Inc. brings dollar-cost-averaging to all investors of precious metals.

For those who want to leave their heirs some form of financial freedom, the GSAP is a good fit.  With a minimum investment of $50 per month and a maximum of $13,000, GSAP can help a family with saving for any number of needs in years ahead. In addition to GSAP, PFGBEST’s precious metals affiliate offers additional products in the form of qualifying IRAs and inventory hedging.

Executives of PFG Precious Metals, Inc., an affiliate of PFGBEST, have more than 55 combined years of experience in precious metals. Committed to customer service, PFG Precious Metals, Inc. can ship as well as insure a purchase.  A majority of purchases arrive within 3 – 5 business days. Please visit www.PFGPRECIOUSMETALS.com to learn more. One way to get a fantastic investor education on the subject of accumulating precious metals is to attend a free educational webinar through this website. Topics include “Bullion Coins” and “The How-to-Guide to Precious Metals.

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.

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Colts Neck Thanks Mario Romano for his Role in Making Pop Warner Football a Reality

In Finance on January 14, 2011 at 8:52 am
Mario Romano Colts Neck

Mario Romano Colts Neck

As cofounder of the Pop Warner Football organization in Colts Neck, New Jersey, Mario Romano knows the importance of the history behind its name. “It’s very important to have an idea of where we are coming from, so we know where we are headed here in Colts Neck,” Mario Romano explains. While the sports program Mario Romano started in Colts Neck was more about accessibility, Joe Tomlin created the original Pop Warner Football league in 1929 to prevent vandalism. Mario Romano Colts Neck describes how a factory in Northeast Philadelphia experienced 100 shattered windows. “Kids were breaking countless windows while they were playing outside,” explains Mario Romano Colts Neck, “so Joe Tomlin started what was called the Junior Football Conference in 1929.”

By 1939, the Conference had expanded from 4 to 16 teams. Just as Mario Romano’s Colts Neck league grew in a short amount of time, Tomlin’s league was rapidly expanding. “1939 was the year Glenn Scobie Warner was asked to speak at a Junior Football Conference banquet,” Mario Romano Colts Neck describes. Mario Romano of Colt’s Neck detailed the set of events that led to the league’s new name. “Joe Tomlin had arranged for about a dozen speakers to come to the banquet along with Glenn “Pop” Warner,” Mario Romano Colts Neck notes, “but with an unexpected burst of dangerously icy weather, Pop was the only one to show.” The rest, as Colts Neck’s Mario Romano says, is history.

Mario Romano tells his Colts Neck athletes about the way Pop Warner engaged the 800 excited young football players for nearly two hours. “I’ve told athletes from Colts Neck,” Mario Romano notes, “that, on that night, Pop Warner filled the void of 12 respected coaches – and then some!” Mario Romano of Colts Neck has had his share of experiences with public speaking, and notes that young athletes can be one of the toughest crowds. If he were alive today and in Colts Neck, Mario Romano would love to see how Pop Warner would handle the local athletes. “If Pop Warner can handle 800 young men at once,” Mario Romano suggests, “Colts Neck would be no problem for him.”

When it came time for Pop Warner to end his program with the youth in the Junior Football league, Mario Romano Colts Neck explains how a very peculiar thing happened. Immersing himself in youth sports around Colts Neck, Mario Romano feels the history behind the Pop Warner Football name. “That night, after Pop Warner finished,” Mario Romano Colts Neck describes, “the youth program was renamed the ‘Pop Warner Conference’ – right then and there!

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 Colts Neck lives 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.

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Senior Healthcare Consultants Up Close and Personal: Team Squad Leader

In Finance on January 4, 2011 at 8:08 am

Senior Healthcare Consultants: What was your previous occupation prior to becoming part of the team at Senior Healthcare Consultants?

Staff Member: After college I worked for a company that was on the cutting edge in retail. They provided a very respectable work environment and they had great benefits. After 12 years I came to the realization that my pay had topped out. I was 34 years old and in a position where I hadn’t the possibility of earning any more money. That was when I knew it was time for a change, and found Senior Healthcare Consultants.

Senior Healthcare Consultants: Why did you choose a career with Senior Healthcare Consultants?

Staff Member: I chose a career with Senior Healthcare Consultants because of the preset appointment program. Although I was not sure if I wanted to be an “insurance salesman”, given the reputation that they have, I decided to do the interview with one of the Senior Healthcare Consultants recruiters located in Pennsylvania to at least find out exactly what Senior Healthcare Consultants was all about. I was very impressed when I learned about the money that I could make, but also that Senior Healthcare Consultants promotions are based on hard work, trainability, and production, rather than who you know. However, I was still unsure because I did not want to do anything that could possibly hurt the clients I would see. The Senior Healthcare Consultants recruiter then said something that impressed me the most. He said that we are not “salesmen,” rather we are educators and Senior Healthcare Consultants represents companies that have the best reputations in the industry. Right then, I knew I was going to be working for a company that had good business ethics. The main reason that I have stayed with Senior Healthcare Consultants was the opportunity to be on the ground floor of something very special, an opportunity that only comes once in a lifetime. The second reason is the renewal income that I will make this year and the “stacking effect” it will have on my income for the years to come! If I continue to work hard on my production, overrides, and renewal income, I will have earned a six-figure income this year. I have never made that type of income before coming to Senior Healthcare Consultants.

Senior Healthcare Consultants: How many years of sales experience did you have before joining Senior Healthcare Consultants?

Staff Member: I had no previous sales experience before Senior Healthcare Consultants.

Senior Healthcare Consultants: What was the most difficult part of your learning curve at Senior Healthcare Consultants?

Staff Member: Closing the sale. I felt like I was pressuring someone into something. However, I found through constantly absorbing a lot of coaching from others at Senior Healthcare Consultants that are successful and always following the “30K presentation” you learn in Senior Healthcare Consultants training, that it became very easy to close. The fact is, urgency is part of this business, as our clients need our help and they need it as fast as we can get it to them. If the Senior Healthcare Consultants presentation is followed correctly and exactly as trained and you thoroughly educate the client and repeat our benefits, the client almost jumps out of their chair to give you the check. Senior Healthcare Consultants never applies pressure, as the client makes their decision based off of our education, not our sales ability. The other great thing about Senior Healthcare Consultants is the constant coaching that you receive. It never stops. Everyone on staff at Senior Healthcare Consultants has a genuine interest in making you successful.

Senior Healthcare Consultants: Give a few pieces of advice to incoming members of the Senior Healthcare Consultants staff.

Staff Member: First, you have to be willing to work hard Tuesday through Friday 10-12 hours. Next, keep a positive mental attitude at all times. Never blame the preset appointment or the area. They haven’t changed, you have! Finally, have a long-term outlook– Senior Healthcare Consultants renewal income is great!!

Senior Healthcare Consultants is a division of RJR Insurance Services, Inc., providing senior healthcare supplemental benefits with active business in all 48 contiguous states. 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 provides representatives with 2-4 daily preset appointments, double-verified, and made the day prior to the day for which they are set. This ensures that Senior Healthcare Consultants representatives have the security of a high, stable weekly/monthly commission income and do not have to rely on cold-calling to get in front of interested buyers each day. With the upcoming surge in the population of seniors estimated to triple in 10 years, Senior Healthcare Consultants expects significant growth in sales. 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.

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

American Financial Helps Clients Regain Control of Their Finances

In Finance on September 9, 2010 at 7:33 pm

The financial experts at American Financial have seen tough economic times before. Though it is easy to lose hope in the face of mounting debt and increasing fees, American Financial assures clients that there is a solution. American Financial is a comprehensive financial resource center dedicated to restoring the economic vitality of those most affected by these precarious economic times.

American Financial reports that some of the nation’s largest banks, including Bank of America and Chase, have been quietly implementing measures to offset recent losses by squeezing their average customers. This means that credit card holders are seeing their credit card interest rates climb as high as 28%. In the face of these pressing measures, the role of American Financial as a consumer credit advocate is more important than ever.

American Financial says that consumers are increasingly upset about recent increases in bank fees, credit card interest rates, and minimum balances. One reason big banks give for these extra fees during such lean times, says American Financial, is that the banks are trying to raise money to pay back the federal TARP funds they requested from both Presidents Bush and Obama. Despite this plausible explanation from lenders, American Financial explains that this money does not necessarily have to come from penalizing customers.

American Financial cites a very telling statistic. Insufficient-funds and overdraft charges account for nearly 90% of a bank’s consumer-fee related income. The remaining few percentage points of consumer-fee income comes from sources like ATM charges and withdrawal penalties. In fact, continues American Financial, bank income from consumer-fees in 2009 was almost $42 billion.

For a sense of perspective the total consumer-fee income collected by banks in 1999 was $20.7 billion. The goal of American Financial is to educate their clients about the kinds of upper-level financial strategies they are up against. Once consumers have a more complete understanding of their predicament, says American Financial, they are better equipped to develop their own strategies to negotiate lower interest rates, pay off debts and perhaps even save money again.

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1st Loan Modification of America on President Obama’s Loan Modification Program

In Finance on May 22, 2010 at 11:54 am

President Obama’s housing plan supports loan modification as a solution to real estate slowdown. With representation by companies like 1st Loan Modification of America, borrowers can negotiate terms to afford make mortgage payments more affordable. Here are four things that 1st Loan Modification of America can illuminate about President Obama’s loan modification program.

1. The 31% Line: The administration’s plan, explains 1st Loan Modification of America, requires participating loan servicers either to reduce a borrower’s principal or monthly payments to no more than 38% of the borrower’s gross monthly income, with the government chipping in to bring payments down to not more than 31%.

2. Financial Hardship: 1st Loan Modification of America partners with the target group for the administration’s strategy: responsible homeowners caught in recession and at risk of default. To participate, 1st Loan Modification of America’s homeowners must verify occupancy status and outstanding principal balances through documentation, sign an affidavit of financial hardship, and verify income.

3. Net Present Value Test: To determine if a particular mortgage will be modified, 1st Loan Modification of America says that a servicer will perform a net present value test. 1st Loan Modification of America details that this compares the anticipated cash flow generated by the loan, if modified, with the anticipated cash flow generated, if not. If the modified loan is expected to produce more, the servicer is to restructure the loan.

4. Cash Incentives: To encourage participation, 1st Loan Modification of America reports that servicers are paid $1,000 for each modification and an additional $1,000 payout each year for three years, as long as the borrower makes payments. 1st Loan Modification of America’s clients, meanwhile, benefit from up to $1,000 off the principal of their loans each year for as many as five years if they make payments on time.

According to the experience of 1st Loan Modification of America, foreclosures take place less frequently due to the total value of the home mortgage than to a homeowner’s inability to meet monthly payments. 1st Loan Modification of America helps to them get back on track.

For more information about loan modification for a mortgage, contact 1st Loan Modification of America, LLC at modifications@1stloanmodificationnow.com.

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