Zina Spezakis, Principal & CEO, Tonka Beans

New York, New York (PRWEB) August 26, 2009

New York-based Tonka Beans (http://www.tonkabeans.com)] is changing the way women look at money matters by creating informational videos that demystify and simplify the needlessly complicated world of personal money management. Tonka Beans’ entertaining segments provide insight into women’s views on money issues. Through interviews and profiles, the videos expose women’s money-related concerns while also educating and putting into practice sound financial planning principles.

The videos simplify money matters and make them relevant to the needs of women. They are available from the company’s web site and through various Internet video web sites. Tonka Beans’ web site is also a social networking platform where women can share their personal money-related stories and get advice and opinions from registered “Opinion Makers” within a safe, women-focused environment.

Zina Spezakis, CEO of Tonka Beans says that: “Statistics show that about 1 in 10 women actively invests. That critical fact combined with current social trends like high divorce rates becomes alarming when you think about how many women will retire 30 years from now…” Adds Spezakis: “More than ever, it’s critical that women buy into the fact that they need to become more savvy with their money. The average woman finds investing information intimidating or uninteresting. That needs to change. Personal money-management information, like any good product, has to be relevant to its audience. It’s up to us finance insiders to make that information accessible and relevant to women.” Mrs. Spezakis concludes: “We (women) have come a long way in terms of salary equity. Now that we make it, we have to learn to manage it…”

Tonka Beans (http://www.tonkabeans.com) is a New York-based online creator, aggregator and distributor of investing information for women ages 23-45. The company produces free online video programs and hosts a social networking platform that simplifies personal money management matters to make investing a priority for women. For more information contact Thierry Zamora at thierry(at)tonkabeans(dot)com.

Contact:

Thierry Zamora

Tonka Beans

455 Central Park West, Suite 17A

New York, New York 10025

PHONE: 415-312-9001

FAX: 646-607-1876

EMAIL: thierry(at)tonkabeans(dot)com

WEB SITE: http://www.tonkabeans.com

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Toronto, Canada (PRWEB) June 18, 2010

Today, KTX Financial (http://www.ktxfinancial.ca) announced a new addition to their existing life and critical illness insurance broker services. Now, residents of Ontario, British Columbia, Manitoba and New Brunswick can also arrange a mortgage loan and compare real-time mortgage rates from competing lenders easily online.

Whether you’re buying your first home, renewing or refinancing a mortgage or looking to arrange a home equity take-out, KTX Financial takes the time to discuss with you your needs, wants and financial goals. There is a product out there for everyone and it is our job to help you find that product, at the best rate.

Unlike a bank that has 5-6 products and will try to fit you into one of them, KTX Financial has access to dozens of lenders, each with 5 or more products, giving us availability to hundreds of products.

“We’ve always been committed to helping consumers get the best life and critical illness insurance coverage,” said Gregory Ellis, Director of KTX Financial. “Now new and existing homeowners can use our services to not only find the lowest mortgage rate, but to also get professional help in selecting the best mortgage product for their individual needs, all from the comfort of their own home.”

At KTX Financial, we aim to further simplify the task of finding the lowest mortgage rates by offering a free online mortgage rate comparison tool. We display the mortgage rates offered by mortgage company A, directly alongside the rate offered by mortgage company B, thus giving you a snapshot of the published mortgage rates side-by-side.

About KTX Financial

Founded in 2002, KTX Financial’s insurance and mortgage broker services are available online, by telephone or by email. However you choose to contact us you will always receive the personalized touch required to customize a portfolio that meets your needs.

The brokers at KTX Financial do not work on commission and are dedicated to providing customers with both competitive rates and personalized service – so no sales pressure, no obligations – just low rates.

KTX Financial specializes in Mortgage Loans and Life and Critical Illness Insurance. In addition, we provide quotes for Health Insurance and Travel Insurance for Canadians, Visitors to Canada and International Students online via our website.

Brokerage # 11832

###

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Irvine, CA (PRWEB) January 28, 2011

Personal finance blog MoneyNing.com discusses the pros and cons of saving money throughout the year by reducing the amount withheld from each paycheck. The result: larger paychecks and smaller tax refunds. The post Are You Still Getting a Tax Refund? is available at http://moneyning.com/.

With tax season just around the corner, many consumers begin to wonder about the size of their tax refund. Last year, the Internal Revenue Service issued $ 328 billion in tax refunds. According to CNN Money, this amounts to an average of a $ 3,003 refund per taxpayer – a 5% increase from the average refund in 2009.

This increase is partially due to the Homebuyer Tax Credit, the American Opportunity Credit, and the Hope Credit. Unfortunately for some, the increased size of their refund reflected their reduced employment status.

The CNN Money article quoted senior fellow at the Tax Policy Center Roberton Williams as saying, “Withholdings are based on the assumption that you are making the same amount of money the whole year…if people only work part of the year, they typically have more withheld than they even need to pay their taxes.”

MoneyNing.com, a personal finance blog, discusses tax withholdings in its latest post entitled Are You Still Getting a Tax Refund? Considering the pros and cons of decreasing one’s withholdings in order to increase the size of each paycheck, which simultaneously reduces one’s tax refund total, can be tricky.

Miranda Marquit, the posts author, explains, “In the world of personal finance, you often hear that getting a tax refund is actually a bad thing,” and yet, Marquit continues, “As tempting as seeing increases to one’s monthly take home pay might seem, this isn’t always the best option for everyone.”

David Ning created MoneyNing.com, a personal finance blog, to help others understand the principles that are foundational to good money management. These principles include saving money, spending frugally, and investing wisely.

MoneyNing.com has been offering up straightforward, no-nonsense advice for saving money since its launch in 2007. Since then MoneyNing.com has attracted a following of more than 300,000 monthly visitors and the attention of various news syndicates. Posts from his personal finance blog have been featured on the NYTimes.com, Time.com, and USNews.com.

Subscribers of MoneyNing.com receive a copy of David Ning’s eBook How to Save Money on Everything. They also receive a weekly newsletter and are given access to a mini course on frugal living and saving money. Go to http://moneyning.com/announcements/the-free-frugal-email-newsletter/ to subscribe.

Visit MoneyNing.com to read about saving money visit http://moneyning.com/.

###

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I’ve worked from home for the last 14 years and I love it for it’s advantages. It’s a simple commute to get to work. Walking from my bedroom to my home office is all it takes. The money savings from little vehicle use are amazing and I have tons of extra time I never had before when I had to commute to work.

The work from home opportunity I chose was affiliate and adsense marketing. I’ve mad a lot of money doing this and I continue to make money to this day and I expect it to last until the internet dies. However the internet is not going away anythime soon. I was lucky and recognized the opportunity to work from home while the internet gold rush was starting so I made a ton of money.

Learning to make money with no money is pretty easy since the internet came along. There are all kinds of ways to make cash without investing a cent of your own money. How can that be? Well, keep reading because I’m about to tell you a few ways you can make money with no money of your own involved. None, zip, nada, zero cash involved.

First I’ll tell you that if you spend a little money on a domain and hosting you will make a lot more money a lot faster. The cost of a domain, get a .com. .net .org or .us, is less that $13.00 and with a coupon may be below 10 bucks. Then you need some hosting which can be had for $6.00 a month or less. The money you put out for those two items is minimal and will come back to you pretty fast.

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The first thing you should do is calculate your total debts. If your total tax debts are less than ,000 or ,000 then you can easily go for some good IRS payment plan. But if you owe more than that then instead of looking for some payment plans it is recommended that you for alternate options. One of the best options is hiring a tax debt attorney. The tax attorney can give you professional advice and talk on your behalf, he can also help you in protecting your assets. Remember that most of the times the attorney who charges more fee is always the best but if you don’t have enough money then go for some other attorney or first get a free consultation from some IRS debt help professional.

You should take immediate action and get IRS debt help otherwise there is a huge possibility that if you owe huge money to IRS then they might file levy against you, it can be of your home, bank or some other property you own because they have to recover the money you owe them.

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Santa Ana, CA (PRWEB) May 19, 2011

Camp Fire USA, Orange County Council and Frugality Nation, a non-profit focused on rebuilding financial strength in the American household, recently launched a new and unique after school program for youth aimed at increasing financial knowledge, financial fitness and championing smart spending. The 10 week program fuses the FDIC’s Money Smart program with an online financial literacy program, The Frugality Game™, to form an entertaining, interactive program that not only teaches the nuts and bolts of money management, but also explores one’s relationship with money, spending, and saving.

The Frugality Game™ is a free online learning adventure that combines real-world budgeting tools and education with games, stories and prizes. Using avatars programmed with realistic financial situations, students will engage simple yet powerful financial tools including envelope system budgeting, a daily spending tracker, and an intuitive savings process, all while playing fun, interactive games and earning tokens, badges, and level rewards that encourage progress.

“Personal finance doesn’t need to be boring,” says David Garcia, community manager at the Frugality Game. “We’re proud to partner with Camp Fire USA and Frugality Nation to make learning about money more engaging and to help these youth gain those essential skills.” Frugality Nation, a 501(c)(3) organization founded in 2010 and headquartered in Irvine, CA, collaborates with leading national organizations to promote financial literacy. It stresses the dire need and direct relationship between rebuilding financial literacy in the American household and the resurgence of the national economy and job market.

Camp Money Smart is beginning this process by giving youth the tools and resources they need to become financially fit adults and avoid insurmountable debt and poor credit once they become financially independent. The program is being implemented at Yorba Middle School in Orange and is facilitated by trained Camp Fire USA employees and volunteers. Throughout the 10 week program, youth will examine their “wants vs. needs” on the road to developing their own rational spending priorities. They will also learn concepts of credit, credit cards, credit scores, and debt.

Both Camp Fire USA Orange County Council and Frugality Nation hope to eventually expand Camp Money Smart to more schools and educate more youth on the importance of financial literacy and smart spending in our everyday lives. Malia Chapman, Executive Director of Frugality Nation, explains that “by educating our youth about spending, saving and money management, we are empowering them to lead successful lives; free from debt and the stress and hardships it causes.”

About Camp Fire USA Orange County Council:

For 100 years, Camp Fire USA has been one of the nation’s leading youth development organizations. Camp Fire USA Orange County Council has been serving the community since 1956. In 2009-2010, the Council provided 1.7 million hours of program services to over 6,200 children, youth, and parents. Programs are offered in collaboration with over 80 schools, churches, community centers and other youth serving agencies. The Council provides after-school programs, day camps and camping, teen programs and other programs that support families.

About Frugality Nation:

Founded in 2010, Frugality Nation, a 501(c)(3) organization, is on a mission to rebuild financial strength in the American household. Through strategic community partnerships, free seminars, one-on-one financial coaching, and The Frugality Game™, Frugality Nation helps individuals become more financially fit, secure, and confident. The Frugality Game™ is a free online game which combines real-world budgeting tools and education with games, stories and prizes. It is available for free at http://www.TheFrugalityGame.com

Contact:

Malia Chapman, Executive Director

Frugality Nation Foundation

mchapman(at)frugalityation(dot)org

http://www.facebook.com/FrugalityNation    

800-784-7341

Michelle Pelliccino, Executive Director

Camp Fire USA Orange County Council

michelle(at)campfireusaoc(dot)org

714-547-5200 ext. 39

###

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Washington, DC (PRWEB) April 29, 2011

The Truth About Money with Ric Edelman – the half-hour television series hosted by acclaimed radio talk show host, America’s #1 Financial Advisor, and the #1 New York Times bestselling author Ric Edelman – has debuted nationally on public television, says Best Bark Media’s Janice Ockershausen, the 20-year friend, collaborator and colleague of Ric to whom he turned for help when he realized he needed to reach an expanded audience.

With so many Americans uncertain about the economy and worried about their investments, Ric Edelman serves as a calming wealth of knowledge, discussing in detail how to achieve investment success in these uncertain times. Viewers will learn what they are doing wrong with their finances. Just as important, they’ll learn how easy it is to invest the right way. As only he can, Ric applies his financial savvy to engage viewers intellectually and emotionally on every topic, from investment strategy, to paying for college and handling your mortgage, to preparing for retirement and supporting aging parents.

Russell Hodge, Owner of 3 Roads Communications, the award-winning producer of the series, said each episode features personal finance “lessons” introduced with “Man on the Street” interviews from around the U.S. It will be “real people, asking real questions,” he said. Additionally, there will be highlights from Ric’s radio show, question and answer sessions from Ric’s seminars, and interviews with newsmakers and celebrities, CNBC’s Maria Bartiromo, Fox Business’s Gerri Willis, Texas Ranger owner Nolan Ryan, AOL and Washington Capitals’s owner Ted Leonsis, and hip hop impresario Russell Simmons among them.

Referencing the show’s early success – even before its initial airing this weekend, 220 public television stations around the country (more than 85% of the available markets) had committed to carrying it – Hodge declared, “it proves the premise that Janice and I started with: if you marry smart, compelling content and a proven communicator like Ric Edelman with excellent production values, the audience of interested people is enormous.”

To learn more about the series and to find local stations airing the show, as well as to view video clips and more, please visit: thetruthaboutmoneytv.com

Best Bark Media is a client-centered marketing media company powered by decades of experience and well-established networks.

Media Contact: Janice Ockershausen, Best Bark Media 1200 29th Street NW, Suite B-100 Washington, DC 20007. 202-342-0002. BestBarkMedia.com

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Irvine, CA (PRWEB) May 18, 2011

MoneyNing.com debates whether financing a college education is a sound money management decision in light of the hefty debt load and uncertain employment of students graduating from college. The post, entitled Crippled by Student Debt is available at http://moneyning.com/debt/crippled-by-student-debt/.

The Wall Street Journal recently dubbed the class of 2011 as the most indebted college graduates ever, with an adjusted average debt load in excess of $ 22,000 – an astounding 47% increase over a decade ago! The article notes that regardless of the sluggish economy, college tuition continues to rise 5% annually with parents less able to provide financial assistance to their off-spring.

According the WSJ “as of 2009, the annual pre-tax income of households headed by people with at least a college degree exceeded that of less-educated households by 101%, up from 91% in 2006. As of April, the unemployment rate among college graduates stood at 4.5%, compared to 9.7% for those with only a high-school diploma and 14.6% for those who never finished high school.”

Money management blog MoneyNing.com addresses these pressures in a recent post entitled Crippled by Student Debt. In discussing the ROI of a college education Vered Deleeuw, the posts author, agrees with the WSJ article noting that “the sad reality is that while college graduates have traditionally earned more than high school graduates, this gap in earnings has remained stable, while college costs have skyrocketed.”

David Ning is an author, trusted advisor and founder of MoneyNing.com as well as a regular contributor to the “ON RETIREMENT” section of USNews.com. Ning focuses on money tips for those seeking to build wealth slowly over time through smart management of their capital resources.

MoneyNing.com was launched in 2007 and has been offering up practical, straightforward money management tips ever since. The blog enjoys a monthly readership of over 300,000 and a growing Facebook fan page. Content from the popular blog has been featured on the NYTimes.com, Time.com, and USNews.com.

Subscribers of MoneyNing.com have access to a growing library of personal finance information including David Ning’s free eBook How to Save Money on Everything, a weekly newsletter, and a 7-part mini e-course full of useful money tips. Visit http://moneyning.com/ to subscribe to MoneyNing.com.

Or, to read Crippled by Student Debt in its entirety go to http://moneyning.com/debt/crippled-by-student-debt/.

To learn more money tips visit http://MoneyNing.com/.

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(PRWEB) April 29, 2010

This is the fifth time L&C have won this award in the past seven years; a feat achieved by no other mortgage broker , and reconfirms their position as the preeminent mortgage broker in the UK.

The judges applauded L&C’s customer focus and excellent performance, despite the most challenging of market conditions.

David Hollingworth, Head of Communication at L&C said, ‘we were delighted to win the Money Marketing Best Mortgage Adviser Award for the fifth time. It is testimony to the hard work and dedication of our staff. In the extremely difficult market conditions we are currently operating in, it is clear that our no fee, whole of market proposition is attractive to a growing number of consumers.’

Notes to Editors:

London & Country (L&C) is the UK’s leading no-fee mortgage broker. Based in Bath, it provides whole of market advice via telephone and post to clients nationwide. As well as residential mortgages, it also specialises in the Buy-to-Let and adverse-credit sectors.

L&C is a Climate Neutral company and for the last seven years has invested in climate friendly projects and tree-planting to help offset its emissions and those of its customers. For more information, go to http://www.lcplc.co.uk/green.

L&C has won numerous awards including:

Best Mortgage IFA/Adviser of the Year – Money Marketing, 2004, 2005, 2006 and 2008

Best Technology Adviser – Money Marketing 2007

Best Mortgage Broker outside London – Mortgage Strategy, 2004 and 2005

Best National Broker – Mortgage Introducer 2005, 2006 and 2007

Best Overall Broker – Mortgage Introducer 2005

Overall broker of the year – Pink Home Loans, 2006 and 2007

Top 100 company in the Sunday Times Fast Track 100 for 2004 and 2005

Business of the Year – The Bath Business Awards 2005

Growth Strategy of the Year – National Business Awards (Wales and West) 2008

Business Leader (Broker) – British Mortgage Awards – 2008

Online Mortgage IFA of the Year – Financial Adviser – 2008

For further information please contact:

David Hollingworth, Head of Communications

Office: 01225 341211                    

Mobile: 07710 634044

Richard Morea, Technical Manager            

Office: 01225 341312                        

Mobile: 07970 885168

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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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M&T Bank Logo

Buffalo, NY (Vocus) April 28, 2010

Today, more than ever, cutting back on spending and saving money is a high priority. However, many people do not have the basic knowledge of how to manage personal finances effectively, which is why M&T Bank employees are volunteering their time to help teach children the importance of saving during “Teach Children to Save Day.”

M&T Bank employees are teaching elementary, middle and high school students the vital role banks and bankers play in assisting young people to grow and develop lifelong saving habits. Nearly 50 volunteers will teach in classrooms at 34 schools across three states, expecting to reach over 1,800 students. They are participating in the 14th annual Teach Children to Save Day today, with classes continuing throughout the month.

M&T employees join thousands of bankers across the country visiting schools on Tuesday, April 27, as part of the American Bankers Association Education Foundation’s National Teach Children to Save Day, a financial literacy program established in 1997. The program’s objective is to reach five million students prior to the end of 2011.

Bank volunteers present lessons on budgeting, earnings, interest rates and much more.

“When one child learns a useful saving strategy and shares it with another, or one student takes a new money game home to share with the family, we have made an impact,” said M&T Bank President Mark Czarnecki.

M&T volunteers are teaching students in the following schools:

New York

AGM School, Endicott

Avon Primary School, Fairport

Blasdell Elementary, Blasdell

CNS High School, Syracuse

Eden GLP Elementary School, Eden

McKinley High School, Buffalo

Remsen High School, Remsen

Riverside High School, Buffalo

Roxboro Elementary School, Syracuse

Southern Cayuga High School, Popular Ridge

Springville Elementary, Springville

Van Buren School Elementary, Baldwinsville

Pennsylvania

A to Z Child Learning Center, Springfield

Bellefonte Elementary, Bellefonte

Clearview Elementary School, Stroudsburg

Cornwall Terrace Elementary School, Reading (School visit on April 29)

Dallas Elementary School, Dallas

Donegal Kindergarten Center, Marietta (School visit on April 28)

Early Learning Center, York (School visit on April 30)

Fairview Elementary School, Mountaintop

Leib Elementary, Dover

Northern Bedford Elementary, Loysburg

Park Elementary, Columbia

Philipsburg Osceola Middle, Phillipsburg

Rolling Acres Elementary, Littlestown

Shrewsbury Elementary School, Shrewsbury

Taylor Elementary, Columbia

Washington Elementary, Hanover

West Beaver Elementary, Hanover

Maryland

Boonsboro Elementary, Boonsboro

Hancock Elementary School, Hancock

Taneytown Elementary, Taneytown

Govans Elementary, Baltimore (School visit on April 29)

Washington, D.C.

Woodrow Wilson High (School visited on April 23)

M&T Bank offers the following tips to help parents promote good saving habits:

    Discuss the importance of saving and budgeting with your children.
    Make saving observable (e.g. putting change in a jar helps establish the concept of saving).
    Teach children the difference between “needs” and “wants.”
    Talk to your children about the use of an ATM machine and how it works.
    Explain the importance of saving on energy, by turning off lights and electronics.
    Help kids open their own bank savings accounts and make deposits regularly.

The ABA Education Foundation’s National Teach Children to Save Day is held every April, giving bankers an opportunity to address the importance of saving with children across the country.

M&T Bank serves customers in more than 750 branches in New York, Pennsylvania, New Jersey, Maryland, Delaware, Virginia, West Virginia, and Washington, D.C. For more news about M&T Bank, go online to http://www.mtb.com/newsroom.

MEDIA CONTACTS:

New York: Chet Bridger, 716-842-5182

Pennsylvania: Kent Wissinger, 717-237-6110

Maryland, Virginia, D.C., Delaware: Phil Hosmer, 410-949-3042

# # #

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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