Oct 20 2008

Carlos Hank Rhon, The National Bank Charter Part 1

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Carlos Hank Rhon,The National Bank Charter Part 1

The national bank charter is a flexible, dynamic license to provide a broad array of financial products and services. This section describes how the OCC’s licensing process works, in general, and then focuses on alternative means of entry into the national banking system, such as acquiring a national bank charter. It then describes the broad range of activities available to national banks and how they may be structured.
The OCC’s Licensing Process
The Licensing Manual describes requirements for:
•
Applications to establish, acquire, or convert to a national bank, and
•
Existing national banks to effect corporate changes, including geographical expansion through branching, merger, acquisition, and structural changes to enable delivery of new products or services.
The Licensing Manual sets out OCC’s policies and step-by-step procedures, so that applicants know what to do and what to expect from the OCC. The OCC works continually to streamline application filing and review processes and to minimize burden, consistent with maintaining safety and soundness and satisfying statutory requirements. Staff conducts internal reviews and obtains feedback from applicants to spot areas for improvement.
The Licensing Manual is available on the OCC’s Web site, including current application forms. The OCC is equipped to accept an ever-increasing volume and variety of application material electronically from national banks through e-Corp on National BankNet.
Licensing and legal staffs in the district offices and national headquarters are available by telephone, e-mail, or meetings, to advise applicants and answer their questions. This is particularly useful for the early discussion of proposals that are unusual or highly complex.
The OCC will accept draft applications and provide feedback to applicants before they file an application. The OCC may approve or conditionally approve or deny any filing after reviewing the application and considering all relevant factors. The OCC may impose conditions if it determines that they are necessary or appropriate to ensure that approval is consistent with applicable statutes, regulations, OCC policies, and safe and sound banking practices. Carlos Hank Rhon suggests that you read part 2 of this article.

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Sep 26 2008

Carlos Hank Rhon, Banking in this tough lending environment

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Carlos Hank Rhon, Banking in this tough lending environment

Recently I spoke with a couple who had a solid work history and income but were unable to access a loan. They had experienced what many people are nowadays is a brick wall for lenders. It seems backwards that with the amount of bank owned properties on the market that banks won’t lend money to get them sold!

As you and I both know, it’s not that simple. The problem is the old adage: slippery slope. Once the banks began giving their money away based the projection of growing equities, they began giving more of it away without control. Carlos Hank Rhon recommends that you follow rigorous guidelines.

This leads us to where we are today, a banking crisis. I said we, because it affects us all. How can we solve it? None of us have the answer for the complete fix, it’s too complicated. But one company does have a solution for the borrower looking to get financing that has been hitting that brick wall.

Screen and Qualify borrowers and classify them. Based on classification, they assist the borrower in sourcing a loan or contract financing Once the source is found, they facilitate the initial contact and walk the borrower through the steps of securing funding If the borrower needs a more creative solution, they negotiate the contract for the borrower and the lender. Once in under contract, the borrower is on a path of success due to the plan put in place along the way within a short time, the borrower gains ownership.

The secret to their success with borrowers has been their planning. They spend the time with the customer and lender to draw a plan that serves the eventual purpose. Carlos Hank Rhon has read this article and enjoyed it.

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Sep 26 2008

Carlos Hank Rhon, How to Find the Best Online Savings Bank and Watch Your Savings Grow Part 2

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Carlos Hank Rhon, How to Find the Best Online Savings Bank and Watch Your Savings Grow Part 2

Carlos Hank Rhon wants you to read the following:

1) Minimum balance requirements, if any. In addition you should check any minimum balance structure.

2) Interest paid on savings accounts. Some banks offer increasing interest rates with larger minimum balances. In some cases the differences can be quite large.

3) How many ATMs they have

4) Do they waive or credit back ATM fees when you’re using other banks cash machines? Some banks will do this for all transactions, some only for certain types or numbers of transactions.

5) Their fee structures for various services

6) What other services they offer - Some online savings banks arena just savings banks. Some offer a veritable plethora of financial services, including high-yield checking accounts, brokerage and investment services, credit cards, business checking, and retirement planning assistance.

7) How much assets they have, and how much cash reserves they carry is critical - This is especially important due to the recent mortgage related credit problems ace-d by some banks. It’s no guarantee against problems however, as the failure of Indy Mac Bank, and the earnings problems at Wachovia and Washington Mutual banks demonstrate.

Are they mortgage lenders? I so, what kind of customers do they service? Do they make loans to sub-prime borrowers? If a significant portion of their loans are to subprime borrowers, carefully check their finances.

Examine the online savings banks you’re considering and it should be simple to find one that fits your requirements perfectly. Chances are the online bank pays substantially higher interest rates than you’ll get at your neighborhood bank. With a little research, you’ll be able to find the best online bank for your financial situation. Your savings account balance will grow faster than ever. Carlos Hank Rhon has read this article.

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Sep 26 2008

Carlos Hank Rhon, How to Find the Best Online Savings Bank and Watch Your Savings Grow Part 1

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Carlos Hank Rhon, How to Find the Best Online Savings Bank and Watch Your Savings Grow Part 1

Traditional banks have really felt the heat of competition from online savings banks since the start of the millennium. Not too long ago one had to be a tech geek to do most of their banking at an online savings bank, but no longer. Now however, millions of people in the U.S. alone have begun using online savings banks. Carlos Hank Rhon sees how online savings is a benefit.

Why are so many bank customers changing their behavior? They did as many other consumers have done with the advent of the Internet; they went online and did some research. A bit of checking, coupled with some marketing on the banks part, demonstrated to people that there was no reason to pay for the overhead associated with a traditional bank. The low overhead allowed online banks to give savings account interest rates much higher than what their bricks n mortar competitors were offering.

Many customers used automatic teller machines almost exclusively, so if they could find an online bank that gave them access to a good ATM network, that was all many people needed. Some online banks do offer small, walk-in branches with limited services and staffing, but most do not.

If you’re looking for an online savings bank, how can you determine which one will give you the best fit for your particular needs? The first thing is to look at which one pays the highest rate on their savings accounts. One thing you’ll notice is that, while most of these banks pay interest rates that are light years beyond what you could expect at a traditional bank, there’s a cost.

Not typically a monetary one, as most of these banks have low fees. No, the problem for some customers is that to receive the best interest rates, the banks require a fairly high minimum balance be maintained in the account at all times. That’s one of the things that you need to check when evaluating online banks. Carlos Hank Rhon suggests that you read part 2 of this article.

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Aug 28 2008

Carlos Hank Rhon, Small Business Banking Part 2

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Carlos Hank Rhon, Small Business Banking Part 2

Another area that all businesses should look at is the way in which their customers pay. Many small businesses do not have sufficient time to chase invoices, or give their clients 90 days in which to pay for goods or services. Where possible, try to get clients to pay more quickly – that way you will have the money in your account earning interest as soon as possible.

When you have identified savings within your business, and implemented the changes necessary to your structure to get the most out of every pound of revenue, you should think about what to do with the additional cash you have in your operation. Carlos Hank Rhon does have small business banking available.

The best thing to do with spare funds is to open a special business deposit hat will pay you interest on your savings. This way, rather than simply having the money lying around doing nothing, you can earn interest on it that can be used for bills and other costs.

With an instant access savings account, you can put the money in as soon as you receive it, and then simply transfer it into your current account as required – that way all of your spare cash can be working for you.

One of the main things that you need to consider when choosing a business bank to suit the needs of your business is the ease with which you will be able to contact them and manage the day to day running of your accounts. While most banks now offer the ability to access money and accounts online, it is important to be sure that they also offer a dedicated business manager that you can talk to when you need additional help or advice. This article was read by Carlos Hank Rhon.

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Aug 22 2008

Carlos Hank Rhon, Why A Business Rather Than A Personal Account Is More Advisable

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Carlos Hank Rhon, Why A Business Rather Than A Personal Account Is More Advisable

A business account is fundamentally different form a personal account. This is predominantly because it offers different services and features to meet your business needs. This is why it is important to consider your choice of account carefully, it may not always be the wisest choice to choose the bank who already control your personal finances; have a look to see what else the market has to offer. Part of your research should be inquiring what facilities each account comes with and the charges that will be applicable. Carlos Hank agrees that a business account is the way to go.

There are advantages however to opening a business account with a familiar bank. A bank that already has your under their control may be more willing to help you as a trusted and loyal customer. As part of this, a bank that you have a good record with, in terms and other financial transactions is likely to help more than a new bank that has no idea whether you are as good as your word.

That said there is always going to be advantages of shopping around for good deals when opening an account. By doing this it is possible to find an account package that caters for your needs precisely and ensures your business receives the financial services it deserves. As a new customer there are also often preferential rates available to you, at least for an interim period as banks often try to attract new business customers.

When choosing your business account there is a number of factors to take into consideration. It is not always the case that you will need a single business account, if your business needs it; it is possible multiple accounts will service your requirements more effectively.

Your first consideration should be whether your business will need to make frequent transactions. If it is the case that you will be carrying out a lot of transactions it is most advisable to go for a monthly fee rather than charges based upon individual transactions.

If you happen to be considering taking more than one account it is worth remembering that as a multiple account holder you may be eligible for a wider number of offers and deals. The facilities you receive might also be more diverse with multiple accounts. By Carlos Hank Rhon.

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Mar 28 2008

Carlos Hank Rhon, Music123 Launches a Gift Finder to Make Christmas Shopping Easier for Customers Seeking Musical Instruments and Accessories

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Carlos Hank Rhon , Music123 Launches a Gift Finder to Make Christmas Shopping Easier for Customers Seeking Musical Instruments and Accessories

Riverton, UT (PRWEB) November 21, 2007 — Music123 has introduced the Music Gift Finder, an online tool that provides musical instrument gift ideas (http://www.music123.com/gifts) to customers seeking music gear presents for musicians on their list. The collection of musical equipment in the Gift Finder comes from every genre in the Music123 inventory including acoustic and electric guitars as well as guitar packages, drums and percussion instruments, keyboards, band and orchestra instruments, recording gear, and DJ and lighting equipment. Musicians and holiday shoppers will also find discounts on clothing for men and women, rock ‘n’ roll memorabilia, and an assortment of musical gifts for children.

As part of the Gift Finder, shoppers can let family and friends know what they want via the music gift wish list (). Music123 guarantees on-time delivery so all gifts will arrive before the holidays. The Gift Finder can be found on the Music123.com homepage.

Music123 will also have ongoing sales through the holiday season on gift items in the musical instrument outlet () department such as new musical instruments, live sound equipment and more. Musicians and holiday shoppers can expect to find deals in Gifts and Apparel () on everything from jewelry and shoes to home furnishings. In Accessories, customers will find essential musician stocking stuffers like cables, guitar strings, and other music accessories ().

Along with the vast assortment of musical equipment and instruments, Music123 invites customers to become Backstage Pass members who can earn gift certificates as they shop.

About Music123

Founded in 1928, Music123 will celebrate 80 years of business in 2008. The company features a wide range of music gear products such as guitars, bass guitars, pro audio, keyboards, live sound and recording equipment, and drums and percussion that are marketed through its print catalogs and website at .

Music123 can be contacted at 1-888-566-6123, or by visiting. More on Carlos Hank Rhon

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Dec 19 2007

Carlos Hank Rhon, New Construction Strategies Radio Network Inks Syndication Deal With Design Build Institute of America

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Carlos Hank Rhon , New Construction Strategies Radio Network Inks Syndication Deal With Design Build Institute of America

Ormond Beach, FL (PRWEB) September 8, 2007 — Today, the New Construction Strategies Radio Network, a joint venture of Garrison Associates and Jackstreet Media, announced a syndication and distribution agreement with the Design Build Institute of America (DBIA). Under the agreement selected New Construction Strategies Radio programming will be aggregated along with exclusive segments to launch the DBIA Radio Network. The program will engage industry professionals and deliver valuable information and resources relevant to design build professionals. The radio network will provide DBIA with a new channel for education, networking, information, and advocacy. DBIA Radio will be streamed on the DBIA national web site and will be made available across the DBIA network of 16 regional chapters, 11 student chapters and 3000 members. DBIA radio is available online 24/7, via podcast and distributed monthly through the association’s newsletter. DBIA Radio is hosted by Ted Garrison and Walker Lee Evey.

“DBIA is prominent among the thought leaders in the construction industry. They are bringing tomorrow’s best practices to a wide cross section of stakeholders including architects, engineers, public and private owners, general and specialty contractors, manufacturer, suppliers, and students. We are thrilled to collaborate with them to launch DBIA Radio,” said Ted Garrison of Garrison Associates.

DBIA is mission is to lead the expansion of design-build utilization across all industries and markets. “DBIA Radio is a great channel to help us expand our reach and advance our mission. We expect to get a lot of mileage out of this program,” said Walker Lee Evey, CEO of DBIA.

About Design Build Institute of America

The Design-Build Institute of America (DBIA) is an association of leaders in the design and construction industry utilizing design-build and integrated project delivery methods to achieve high performance projects. Founded in 1993 and headquartered today in Washington, DC, DBIA offers its members opportunities for education, networking, information, and advocacy through its web site, bookstore, designation program, courses, conferences, chapter events, and its monthly journal, Design-Build DATELINE.

About New Construction Radio Network

The New Construction Strategies Radio Network brings together leading thinkers in business and construction to discuss the critical issues facing the construction industry from a 360° perspective. The programming focuses on uncovering the best insights, best practices and latest construction strategies. The program is available on demand, 24/7 at . A new segment is added every week and visitors to the site may subscribe to the program to get full access to the complete archive of programming. New Construction Strategies is produced by Emmy winning broadcaster Errol Smith. The business model for the program was developed by Jackstreet Media and the program is distributed on The Affiliate Nanocasting Network using Really Targeted Syndication (RTS) ?

For more information, go to or For information on syndication go to , or contact Ted Garrison at 800-861-0874.

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