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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.