National consumer advocate partners with local prominent business | PRLog

National consumer advocate partners with local prominent business | PRLog

Ray Charles Jr.

Join me as I interview Ray Charles Robinson Jr., son of the late, great Ray Charles. Ray Charles Jr. is also the author of the award-winning book, You Don't Know Me, Reflections of my Father and co-producer of the blockbuster hit movie, Ray (2004) and Hotel California (2008).

Ray is also an actor has starred in Black Prince (2004).

Ray is the 2011 winner of the NAACP Image Award for "Outstanding Literary Work for a Biography/Autobiography.

Ray is also a credit union advocate. Ray also founded the Ray Charles Jr. Foundation for America.

Bank Transfer Awareness Month

The banks retreated and ran for the hills. No more debit card fees. All is now calm in the financial world and the people are happy once more. Bank Transfer or Move Your Money Day was a success!

Now what? The banks are gearing up for Round 2. Most consumers do not understand the banking business model for generating revenue. Fee collecting is usually a third or 33% of that business model for generating revenue. According to Shawn Gilfedder, Chairman of the New Jersey Credit Union League and President of the McGraw Hill FCU, “In order for banks to provide the level of physical convenience out in the market place, they (banks) have to drive fee revenue because it pays for most of what you see out on the street corner, today! Fees have become a large portion of their business.”

As customers of banks, you are paying for the convenience of having ATMs, advertisement, and hundreds of locations near you. In order for these conveniences to continue, banks will have to collect additional fees. Pay close attention to your normal fees the bank charges. With reform in interchange revenue created by the Dodd-Frank Act and the Durbin Amendment, there is less fee income for banks to generate. And now that millions of customers have moved their accounts, you are assured to see an increase in your normal banking fees in the coming months. CNN Money reported TD Bank had already announced it will charge a $9 fee for any withdrawal over the monthly six withdrawal limit for their saving account holders. This is just the beginning of the fee hikes and many other banks will follow suite, they will just do it quietly and you will notice the effects on your monthly statements.

As a consumer and credit union advocate, I am spreading the message and declaring the month of November as Bank Transfer Awareness Month. Bank Transfer Day was a great start but it will soon fade into the history books and out of the media’s eye. The Occupy movement is a powerful, unorganized vehicle which is made up of several intended targets to enhance the credit union movement. As a talk radio show host, I have a medium to keep the drive alive and I will focus on these targets to help grow credit union memberships across America.

I aim to keep the pressure on and continue the movement with Bank Transfer Awareness Month. For far too long, credit unions have been treated as the red-headed stepchildren of the financial industry. In 1998 it took a presidential signature to stop the Bank Bullies from restricting membership access to credit union. I am on a mission to enlighten those ages 6 to 70 on the benefits of being a member and I will not be happy until CUs have just as many members as banks have customers. Credit unions should not be the alternative. Credit Unions should be the norm.

Bank Transfer Day, What is the real reason behind the retreat?

November 5th is the official marking of Bank Transfer Day! In recent news, the BIG six have scurried and scrambled and retreated on their proclamation to add charges for using your debit cards. The power of the people prevailed or did it?

Join me as I interview Mr. Shawn Gilfedder, Chairman of the NJ Credit Union League and CEO of McGraw-Hill FCU. Mr. Gilfedder will share somethings with you that you may not be aware of. Things which will have you say hmmmmmmmmmm as you decide on the alternative. It will also make you mad as hell as you realize the disconnect with you and your banker.

Tampa's newest and most engaging consumer advocate

I want to personally thank Kimberly Hensley and Christina Musial of FOCUS Magazine for choosing me as the spotlight for November 2011. I will continue to bring my audience issues that matter most to their wallet.

Bank Transfer Day, Are you participating?

All week we have been talking about transferrring your money.  Questioning why you should transfer your money and if it is worth transferring your money.  Join me as I interview Kristen Christain, founder of Bank Transfer Day as we discuss the hoopla surounding it.

Bank Transfer Day

Tune is this week as we talk about National Bank Transfer Day (November 5, 2011).  I will interview Kristen Christian, the founder of Bank Transfer Day on Saturday at 3 PM.  We will discuss the significance of the cause and why it is growing and resonating with so many people.

Eliminating your debt, completely!

Join me as I interview GREG MCGRAIME is a Certified Financial Planner and one of America's leadingfinancial experts. Greg is the author of the audio-book series Get Smart About Investing and has delivered over 1000 personal finance presentations all across the country for companies as diverse as Google, PepsiCo, and UPS. 

Whether in front of a large group or 1-1, his unique style educates and inspires individuals to succeed.

Greg brings that rare blend of honestly and a teacher's heart that are so lacking and so needed in today's financial world.

S.E.'s Tip of the Day 10/3

What is the cost of your debt? Can you afford it? With the rising debt and the increased rates on credit cards, the U.S. has spiraled out of control.  On the show we gave a few tips you could used to understand where you are and tips to get out of the situation.  Check out the debt calculator and get a handle on where you are today with your debt.

S.E.'s Tip of the Day

Starting September 26, I will be conducting a daily, 15-minute segment on the Show featuring tips on finance, education, shopping, investing, renting, credit, and every thing that matter most to your wallet.  Tune in to the hottest, consumer talk show on the web, The Legally Steal Show.

The Credit Union difference in a down economy

Join me this Saturday at 3pm E/T on the show as I interview Wes Strickland, Sr. VP of Marketing for Grow Financial Federal Credit Union.  We are going to discuss the benefits and opportunities of joining a credit union.  We will also talk about the huge membership drive we will be doing to attract new members and re-introduce current members to Grow Financial with my best selling book, The Negotiating Experience, Your Car Deal Your Way!

Ways to protect your money in this down economy.

Join the show as we talk to Tim Porter about ways of protecting your money in this down economy.

Tim Porter is a Registered Financial Consultant, Financial Advisor and Insurance Consultant.  He specializes in Income Maximization and Asset Protection.  Tim has offices in Illinois and Florida.

Tim’s twenty years in management, operations and sales serves as an advantage for business owners and executive clients.   His past experience with community banks, mortgage companies, credit unions and financial exchanges provides an additional perspective for all.  His genuine interest in the lives of others shows not only in the way he treats his clients but also in his outside activities.  Tim’s success is due to the success of his clients.

Building personal and business credit

We are all aware of personal credit and the challenges we face with building and maintaining it.  However, most of us are not aware of how to build and grow business credit.  Where do you go to get to the process started?  What businesses are legitimate to establish business credit?  How much credit can I get?  These are some of the questions of special guest, Heath Kellerman of Biz Credit Master answered on the show.  Check out the show on the website, LegallySteal.com or visit http://www.bizcreditmaster.com/legallysteal/ if you would like to talk with Heath and the process.

I highly recommend the process because I am a client of his company.

Consumer Advocate Patrick Cremeens Esq.

Join me as we interview Mr. Cremeens.  A Chicago native, Patrick Cremeens, attended college in a small town in Eastern Kentucky University before being accepted at Florida Coastal School of Law, where he graduated Magna Cum Laude in May, 2006. While in law school, Mr. Cremeens was privileged to serve the Florida Supreme Court as an intern. This experience allowed him an opportunity to gain valuable experience from the best legal minds in the state of Florida. Mr. Cremeens also served as an Articles Editor of the Florida Coastal Law Review and he authored a case note that was published in the Law Review.

The Anniversary Specials

It has been one year since we took the airwaves and now it is time to give back.  Join the show as we start another year of informing and giving back.  We will interview Mr. Jude Jean-Pierre, co-founder of the Haitian Open Golf Classic as we talk about the upcoming classic in its 3rd year to benefit the nation of Haiti.  Guess who the co-founder is to win a special gift.  Hear you on the show Saturday July 30th.

Your Debt & Business

When you experience the toughest times, how do you survive your financial crisis?  Please join bestselling author Vivian Gasparas she talks about how to survive your financial crisis. We will discuss issues like debt management, financial crisis, credit enhancement, financial management. She is very interested and passionate about what she believes and she will be a great guest to advise you how to maneuver forward.

The Debt Ceiling, what is all the hoopla?

The news has been bombarded this week with the discussions of the Debt Ceiling.  What will happen if it is not raised?  What happens if the government defaults? How does it affect each American citizen or the world?  Please tune in this weekend to the Legally Steal Show.  We will have as our special celebrity guest, Mr. Ebong Eka break it all down.  Mr. Eka is a nationally known CPA who has been featured on CNN, MSNBC, Fox Business News, and Fox news.  You may have seen Mr. Eka as he has been a guest on Real Housewives of D.C. or you may have worn some of his designs.

Tune in to hear Mr. Eka break it all down so "We the People" who are not in the Washington Beltway can understand the significance of letting our government default on its financial obligations and the affects this default will have on us all.

The additional home on the Legally Steal Show

We are growing and adding additional locations to our broadcasting repertoire.  Our new home in the local Tampa market is Tan Talk Radio Network.  From this location, we can be heard on call letters WTAN-AM 1340 Tampa Bay, WDCF-AM 1350 Dade City, WZHR-AM 1400 Zephyrhills, & KLRG-AM 880 Little Rock, AR.  In addition, the live show will be video streamed and you will be able to see my guests as well as hear them.

These additional locations will allow The Legally Steal Show to expand its message to the traditional as well as internet radio audience.  The show will air weekly at 3 PM on Saturdays.  Please tune in and show your support by calling me on the studio line at (727) 441-3000.  I would love to hear from you and your message to share with the world.  Our original format on BlogTalkRadio will always be faithful.  We are worldwide on bit.ly/LSSradio and can be heard live on Saturdays at 10 AM.

Diminished Value, Are you leaving money on the table?

Photo by D'Ann White

If you have you ever been in an auto accident, did you receive all the money you were owed by the insurance company?  Our special guests, Steve and Colette Vann of Tampa Auto Appraiser, say more than likely you did not.  Tune in (bit.ly/LSSradio) at 10 am E/T on Saturday, June 25th to the live interview with the Vanns as we discuss Diminished Value.  Feel free to call Steve or Colette at 813-380-6583.  You can also fax a copy of your repair estimate to 813-435-2449.

Want credit for your business without using your SSN?

Tune into the Legally Steal Show to hear Heath Kellerman of Business Credit Master talk about the extremely important subject of credit.  His company can help improve your personal credit and build credit for your business.  My company is a client of Business Credit Master and his program is working for our company.  Wondering about the cost?  The cost is extremely low comparing to the benefits and credit your company will receive.  For a low startup cost of $249.00 and $99 per month, you can build credit for your business up to $250,000 lines of credit and credit cards or higher.  You can also improve your credit all under the same fee.  It Works!  Click on the link ad send an inquiry. You will not be pressured to buy!  If you are, tell me!

Talk show host signs "The Negotiating Experience" with prominent credit union

Author, radio show host (http://bit.ly/LSSradio), and 19-year auto-industry veteran signs a book purchase and relationship agreement with a Tampa-based federal credit union after writing a book to help members negotiate purchasing a vehicle.

Tampa, FL (PRWEB) May 25, 2011

Less than six months after writing his first book, "How to Legally Steal Your Next Vehicle and Save $1000s"(http://www.amazon.com), author and radio show host, S.E. Day signs a book purchase and relationship agreement with Grow Financial Federal credit union. Mr. Day’s second book, "The Negotiating Experience, Your Car Deal Your Way!" was written specifically for the credit union industry and its members. "The Negotiating Experience" discusses the challenges associated with purchasing a vehicle and teaches members the auto industry’s insider tricks of the trade. The book uses six thought-provoking chapters to diminish the fears of car-buying and empower consumers to negotiate better and purchase smarter while saving thousands of dollars. "The Negotiating Experience" is released by LSS Books and is only available thru Grow Financial.

Mr. Day advised that his book provides real-world tactics, techniques, and strategies allowing members the tools needed to successfully negotiate the purchase price, trade-in value, interest rates, finance charges, and insurance rates for their new or pre-owned vehicles.

“I’m a staunch supporter of the credit union movement with years of credit union background knowledge. I believe credit unions such as Grow Financial offers better financing options to its members. Since car-buying can be a daunting experience, I wanted to provide Grow’s members with the knowledge to combat tactics and secrets used at the dealerships and encourage them to use their credit union financing over traditional financing options,” states S.E. Day, Author & Talk Show Host.

“For our members who are not comfortable with the car-buying experience, and even those who want to become better negotiators, we believe The Negotiating Experience will help them save money with their next car purchase, as well as for the years they choose to finance their car. We simply believe that a more financially educated member will make better financial decisions - and we're here to help our members,” Wes Strickland, Sr. VP of Marketing of Grow Financial

About the Author
S.E. Day is an auto industry insider, expert negotiator, talk show host, automotive journalist, and professional speaker. Mr. Day has been featured on national television, radio shows, and in many articles and has fastly become an industry expert on vehicle purchasing and negotiating.

About the Company
The Legally Steal Show™ is a talk format venue to help consumers equalize the playing field by giving insight on issues that most to the consumers’ wallets. The internet show and the local show air on Saturdays at 10 am E/T on BlogTalkRadio at http://bit.ly/LSSradio. Interested in getting the book for your credit union, please contact 819-379-7248.

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7 Mistakes business make during tax season

Tom Hammond is the EVP of Agency operations. Prior to BOLT, Tom was with The Hartford Property and Casualty Company for over 23 years. His experience ranged from development and direction of Direct Response Marketing, Operational Management, and P&C strategy. Tom was General Manager of the west coast service center operation with over 500 staff members in the operation. More recently, he was managing Hartford Customer Contact Center strategies and JD Power certification programs. Tom has an MBA and a BS Degree in Information Management from San Diego State.

Insuring You and Your Assets!

 Brian S. Smith, CIC, ARM, CSP

Commercial Insurance and Risk Management Professional
Insurance Advisor to American Express OPEN

Brian is responsible for strategic business development with small business opportunities including revenue growth through: partnerships with Business Bankers, centers of influence, mergers and acquisitions, government contracts, non traditional – non-recurring deployment of insurance capital, and deployment of alternative insurance
His responsibilities include new business development and production as well as client executive assignments. He has served in the insurance field for over 20 years.

Prior to advising on insurance matters and programs, Brian held a variety of positions in the insurance industry to include risk control/prevention consulting, safety counseling, management, and sales development. Lastly, Brian served with the U.S. Army Reserves for 14 years, retiring in 1999 with rank of Captain. His military specialties included Ordnance and Chemical operations.

Brian earned a Bachelor of Science in Biology from Eastern Michigan University.
In 1997 he obtained the Associate in Risk Management designation, in 2001 the Certified Safety Professional designation, and in 2005 the Certified Insurance Counselor designation.

Brian is professionally affiliated with the National Defense Industrial Association, the Association of Corporate Growth, and the Armed Forces Communications and Electronics Association.

404-918-4775

bsmith@theriskrecon.com
http://theriskrecon.com

The Followup

We have been getting a lot of feedback that needs to be addressed.  After all, if you are courteous enough to write in, I am wise enough to show you respect and address it.  Please tune in at out new time, 10 AM E/T and please spread the word.  Thanks

The Negotiating Experience

I wrote and had published a book titled, How to Legally Steal Your Next Vehicle and Save $1000s, a very powerful and informative book to help consumers purchase vehicles.  I recently took this book to the credit union industry but the title was not very attractive or politically correct to the credit union because of the oxymoron, legally steal. 

This particular credit union in Tampa, FL with 150K plus members wanted me to write another book to be use as a promotional item for their members.  I completed the task of writing the book.  The new book is titled, The Negotiating Experience, Your Car Deal Your Way!  However, the book needs to professionally proofed and edited, the cover layout needs to be designed, and an initial book order needs to be placed in order for the credit union to give me a purchase order.  I am under a 60-day timeline to get the book completed and to the credit union before they issue a purchase order or forego the deal.  This book will be a staple of the credit union industry while informing customers and members on the benefits of negotiating their own vehicle deals as well as the benefits of financing through credit unions.

Establishing credit for your business without using your SS#

You have started your business.  Clients and customers are coming.  You realize you operate a totally cash dependent business.  How do you build legitimate credit for your business without using your social security number?  This week we are interviewing businesses that establishing credit for your business without the use of your social security number.  Tune in to the show (http://bit.ly/LSSradio) Saturday at 2 pm to learn more.

Benefits of Starting a Business

If you have ever wanted to start a business, tune in this weekend to hear Dr. Deb Brown give you invaluable information you can use to change your financial life.  

Dr. Brown is a Ph.D., an MBA, DDI-certification as a facilitator, award-winning leadership skills, a Florida license as a psychologist, numerous honors (e.g., summa cum laude and Phi Beta Kappa), and years of experience partnering with leaders at all organizational levels – from sole proprietors to senior level executives at Fortune 500 companies. 

Why your goals don't work and how you can make them work!

Today, Satin E. will be talking to special guests, Dr. Susan Orenstein and millionaire Sharmen Lane about why goals do not work and what you can do to make them work.

"Dr. Susan Orenstein is a licensed psychologist and founder of the group practice, Orenstein Solutions, in the N.C. Triangle (raleigh-durham-chapel hill area). She provides counseling to help her clients improve their mood, reduce stress and improve their relationships in order to lead more productive, joyful lives."

Manicurist to millionaire Sharmen Lane is a widely recognized four- time author, motivational speaker, life coach and radio host (Now to Wow on 1230am WBLQ).