Wednesday, July 20, 2011

Coaches, including Lute Olson invested millions with David Salinas - NCAA Basketball - SI.com

Coaches, including Lute Olson invested millions with David Salinas - NCAA Basketball - SI.com

sad story, but great learning lesson...for those that read it.

go back to past blog posts, we've helped you avoid situations like this.

Just because your friend of a friend or family member says their adviser is great...etc..etc...do your due diligence, or call www.mintcofinancial.com for more information on how to find out if your adviser really has your best interests first and foremost.

here's a good blog we know of, that can help keep you on track also:

www.thefinancialtalker.blogspot.com

"Learn from the mistakes others have made, so you too don't make the same ones"

Thursday, March 3, 2011

Financial Realites for our future



Money & Music for Life??? A movement that supports the realities of each and every one us.
We have so much to look forward too, yet have so many obstacles to overcome. In the music industry, sports, or small business alike, we are all faced with the very obstacles of finding what works. Many times through trial and error. This is where the power of knowledge, and the value becomes all that more imperative to success. In a day and age that is so focused on individuals realities that aren't our realities, we forget the real stories of those like the fictional character Patrick "Lights Out" Leary, or the realities of those stories right before our very eyes in Nicholas Cage, Charlie Sheen, Latrell Spreewell, Lindsay Lohan...list go on.
There is so much talent in this world, but a great teacher once said, it's not how much talent you have, it's what are going to do with it.

So Floyd Mayweather, maybe you will get that second chance to fight Manny, but it's not what your record is in the ring, it's what is your record outside the ring, in years to come you will understand if you don't already what that means. Like Michael Vick, no one should ever dream or think we could have the strength to go through what Mike has had to go through, but reality it is, he deserves every bit of struggle that is presented (the actions outside the football arena will always be remembered), and we welcome those to say otherwise.
So remember it's not how talented you are, it's what you do with your talent not in the first, 2nd, or 5th year, but for the LIFE and Legacy you leave behind, in & outside your profession.

Greatness is: when in passing, with the biggest smile & cleanest record, "Hey Buddy".
by the HeavyWeight Champion himself, George Foreman

Saturday, February 12, 2011

NFL takes major step on Long Term Health Insurance


ahh..ye$$$

Finally, we are seeing what Money Mike has been talking about all these years, hitting the forefront of today's Serious Matters. This is a problem that has been developing for many years, thanks in part to nutrition, technology, education...and Cost of Care$.

It is now time we begin to Educate ourselves & family about the Most Serious Problem our society will be up against, Long Term Illness.

an excellent article: NFL Long Health Insurance Approved

for more information about Long Term Care Planning and the Facts visit:
www.mintcofinancial.com

Wednesday, January 19, 2011

Let's Talk about the Realities of the US Health Care System

Over the years, we continue to see Health Insurance Companies, Health Care Providers, Legislators, Drug Companies, media & their so-called pundits, and lawyers continue to lead us down a path of Confusion. Reality is: Are they doing this on purpose???

Why wouldn't they be, they've turned the term "health" into now what is known as a "commodity" here in the United States. A "commodity" that they all profit from. Starting at the University system another discussion for another day, where they too have turned the term "education" into a "commodity."

If Confusion is not what they want from us, what does 2700 pages (ObamaCare) really mean? Have you met anyone, that can actually explain what is ObamaCare? Or anyone who has actually read the 2700 pages? Like Speaker Pelosi said, "we have to pass the bill before we can understand it". WHAT??

The point is simple, as the CEOs of those of like AETNA, CIGNA, making 14+million a year, 18+ million year, check their 2010 Salaries if you don't believe, or ask your local doctor or specialist, surgeon how much they make a year? Or ask or check the Insurance Companies and how much are they making per year? Or ask the Universities how much they are making per year on their medical programs?

NO! The real question should be how much are you paying for Health Insurance, how much do you have to pay out of pocket, when your health insurance company says we won't pay for that service?

What's happened in America? Are we suppose to be confused so the more confused we are, the better it is, for these companies, doctors, and legislators to profit from our "health"?

They want us to believe how great the US Health Care System is, when in fact, its simply put "SAD". Sad that there is someone waiting for care right now that couldn't afford health insurance or needs to be destitute before receiving care, or a family waiting right now that has health insurance, that is first being asked "How will you pay for your care" or "Do you have Insurance, and what services do they cover"? To then be brushed aside and told your symptoms are normal, or here's some DRUGS...ahh...those FAMOUS Drug Companies...isn't there a Drug for Everything? At least there seems like a Drug Commercial for everything (why haven't these commercials been banned yet?).

Reality is in America, we are just a number to the system, try getting more than 5 minutes with your doctor, or your providers to explore further your symptoms when you tell them over and over.

There is a Great Opportunity here for young entrepreneurs and doctors/nurses, to change the system, to look at other countries and find out why these professionals go into the medical profession or industry, was it to make the ALMIGHTY $$$ or was it to truly help those in need.

Ask your doctors/nurses next time, because of their compassion for the patient, how many times they were able to push for further exams, or push for further evaluation, or further exploration of the symptoms over and beyond taking some drugs and all will go away or your symptoms are normal. Then ask that nurse...how much do you make an hour verse the doctor?

Until we can make Health Care what it should be here in the UNITED STATES, a "Moral Obligation" and Not what they've turned into, a "Commodity" or "Profit 1st Business", we won't be able to actually see Change...ahh what a word, the Change we Deserve...not very funny to those suffering, and those in need this very minute, or those being told they have normal symptoms to later find out otherwise, or being told their insurance won't cover certain services, or your scared to find out because your not sure your insurance will pay or you have the means to pay...list goes on.


Howabout another government system, like Social Security, Medicare, and Medicaid all on the verge bankrupting us in the next twenty years, unless drastic measures are enacted immediately. Let's add another layer of government run system with ObamaCare, are you confused? Of course, you are suppose to be so those running the system can continue to take advantage of us & sadly to say our "health".

Our Health is our Wealth

but our Government & Big Companies & Medical Profession have instead made it their WEALTH, profiting off of our Health.

No need to complain, howabout some SOLUTIONS!!!


SOLUTION: Create NON-Profit Entities, Group of Medical Providers form entities that provide services through their network and group only, paid for by those participating (you) through the form of premiums. This is not a new Solution, Countries overseas in many cities already abide by such systems.

Difference: These Doctor Groups/Entities, aren't making the million dollar salaries that so many in the great United States are making, nor are the companies providing the Medicines, Technology, thus eliminating the need for Insurance Companies as your services are paid for by the dollars taken in from your premiums to the group, and these Groups/Entities will have no choice but to eliminate wasteful spending or unnecessary drugs or procedures.

Where there are problems, there are Opportunities but not at the expense of one's HEALTH.

Thursday, December 9, 2010

MONEY & MUSIC SAYS - NO ONE CAN STOP YOU BUT YOU!!!! (A INSPIRATIONAL TIP FROM COOL V)


Hey People!

One of the key things is this business is to stay motivated and truly inspired for what you do! When you loose the vision, the passion or the love the dream is GONE! Lots of time we blame others for our lost of vision or consistency etc when in the end YOU ARE THE CAPTAIN OF YOUR SHIP....NO ONE CAN STOP YOU BUT YOU! Another thing is to remember patience in this fast food generation we want everything NOW fast food, women/men, cars, clothes etc but like all fads none of these things last.
  • Fast Food = Bad for your health
  • Fast Woman or Men = Eventually wear you out
  • Cars = Gain mileage and creates wear and tear on the engine & frame
  • Clothes = Goes out of style like their fads
So as you can see things come and go so it's important that you remember to stay motivated and trust in your dreams against all odds! In business lots of us not only forget stay motivated but even more importantly to motivate our consumers! As human beings we have a very short attention span and when we loose interest the trill is gone. Which equals poor sales and respect for your brand. So like many of you have or have/not heard owning a business is like having a relationship if you fail or neglect to give him/her attention they loose interest as does your consumers.

So how can I stay motivated I have created a must have motivation list of books and DVD's:

  • The Secret (DVD) see (HERE)
  • The Hustlers 1o Commandments by HOTOP see (HERE)
  • Hustle While You Work by (The above listed author) see (HERE)
  • The Seven Habits Of Highly Effective People by Stephen R Covey see (HERE)
  • Getting Things Done by David Allen see (HERE)
  • Tapping The Power Within Iyana Vanzant see (HERE)

I hope these jewels help, motivate and inspire you as they did me and if all else fails look in the mirror at the wonderful creation GOD made and say to yourself I CAN DO WHAT EVER I SET MY MIND TO! Ask GOD for strength and you can get threw anything!!!! Wishing you love & light your boy boyee COOL V aka MR OFFICIAL WHISTLE!

Tuesday, December 7, 2010

GOT ADVERTISEMENTS? WHY AREN'T SMALL BUSINESSES STILL ADVERTIZING?

Well.... Have You?

Hey You Guys!!!!!!
(Said Like Electric Company Remember that show?)

Anyway, I observed something this week not only as a web observer but as a marketing consultant that has me not surprised at all. What's the did I notice? Is that most small businesses DO NOT ADVERTISE! I always hear a lot of small business owners complain about people not supporting their brand, service or store when in fact they don't support it themselves! How Ironic! In today's business world promotion of your brand is "EVERYTHING" it's the life line of your company/brand no matter what profession or field you choose. It's imperative that you do so! You can expect people to support you when YOU don't even support YOURSELF!!

We've all heard the phrase "Support Begets Support" right? ......So why do we do otherwise? Consumers follow a pattern of brand awareness as do you threw a series of commercials, print or digital marketing. Huge companies have the budget and invest billions on multi-media campaigning to brand on a subliminal level threw repetition. Examples: McDonald's, KFC, Burger King, Apple, Microsoft Etc... While small businesses mostly rely on "Word Of Mouth" advertisements but let's face it people the world is much smaller than just your circle of friends and this is the digital age! (In Short Times Have Changed So Shouldn't YOU?)

Technology has changed the way we view and consume products so either you get with the times or get left behind! I notice on most of the online networking platforms LINKED IN, TWITTER, FACEBOOK, MYSPACE, NING, ETC that most of the time the only ones truly promoting is either artists, models, promoters, pyramid schemes, online media websites, TV, blogs, labels etc but seldom do I see independent brands pushing their products. You rarely see Real Estate, Medical, Legal or other smaller corporate brands doing so. My question is WHY? If multi-billion dollar companies have to and they are already branded don't you?

This has truly become a lazy generation when we want support of our business when in fact 1/2 of us still don't support ourselves. You wouldn't go to a record store and buy a artist record who you are NOT familiar with so why do you think people would do the same about you? Word of mouth is only valid when that person hears or experienced great things about that brand or experienced something not so pleasant and that's when it backfires! People when you are positioning your product/goods and/or services please remember the following:Do you research know your consumer
  1. Convenience is key the more accessible the better the results
  2. Learn their shopping habits
  3. Create a platform where they frequent
  4. Never assume nor take them for granted
  5. Ask for feedback (very important)
  6. Don't lie they are NOT stupid and once they realize you did you lost!
  7. Price within range
  8. Feed the Need (Give them what THEY want not what you THINK THEY WANT)
  9. Stay in touch with your consumer!
Follow the above steps and I assure you whatever brand your pushing you will gain the attention you seek as well as stay relevant to that consumer base as well!

Once again its official you just heard the whistle!!!!!


Monday, November 29, 2010

Year End that's where, Preparation

Many of you know, it's Year-End Time, that means all Work, no Play, so sometimes when the winds are quiet it's because the Storm is lurking. In our case, it's more about getting things accomplished so we can enjoy the final days, well prepared.

So often we get caught up in our lives, we lose sight of the things that are so important, as we've learned this year, KISS...KISS...so let's keep it Simple Smarta$$, and that goes for many of us that forget how easily it's to rise to the top, yet losing sight along the way of the realities of Life & Money.

Enjoy this story, our heart goes out to the Martin's, however, we can only hope like so many, by reading this one, we can help prevent you & so many alike from making the same mistakes.

Click below to read this MUST READ STORY

"FAMILY's FALL FROM AFFLUENCE IS SWIFT and HARD"

Friday, October 15, 2010

Money & Music Salutes Pat-Lee, You know "The Name"?

Money & Music Salutes
Pat-Lee
"The Name"
YOU HEARD???

Cool V & Money Mike been working with Pat-Lee for some time and already Pat-Lee is making his name heard, with young fans from Alabama to the UK, all the way down, Brazil.
"Addicted to Fresh" (Fashion Gangsta) Single has been heard on major mixtapes and radio stations across the country & overseas.
Not only is he bringing the Fresh, but he's one young one grinding with his mind & eyes focused on the prize, only great things to come, so scoop up his latest EP, one word, "FRESH".









Thursday, October 7, 2010

Toni Braxton: Money & Music

Toni Braxton -- Bankrupt Again, May Owe $50 Mil

Toni Braxton has filed for bankruptcy again -- claiming she owes somewhere between $10 million and $50 million in unpaid debts all over the country ... including DMVs in TWO different states.

Toni Braxton bankruptcy.

Braxton -- who sold more than 40 million albums in her career -- just filed for Chapter 7 bankruptcy in California ... and in the docs, the singer claims she's only worth somewhere between $1 mil and $10 mil ... but she could have up to $50 mil in debts.

In the docs, 43-year-old Braxton lists a ton of creditors to whom she thinks she may owe money... including:

-- AT&T
-- The Four Seasons Hotels
-- Cedars-Sinai Medical Center
-- Various medical bills
-- DirecTV
-- Neiman Marcus
-- The William Morris Agency
-- Tiffany & Co.
-- Orkin Pest Control
-- The Internal Revenue Service

-- BMW Financial Services
-- ADT Security
-- American Express
-- Flamingo Las Vegas
-- Mesa Air Conditioning
-- Nevada Power Company
-- Screen Actors Guild
-- The Westin
-- Wells Fargo Bank



Braxton also claims she may owe money to the City of L.A. Parking Violations Bureau -- and the DMV in both California and Nevada.

Braxton has a storied history of financial problems -- she filed for bankruptcy back in 1998 ... and earlier this year, the IRS filed a lien against her for $396k.

Wednesday, October 6, 2010

Top 5 Tips to Build Wealth, from the best Buffett

Check this article out below:

http://financiallyfit.yahoo.com/finance/article-110926-6907-5-top-5-tips-to-build-wealth-and-success?ywaad=ad0035&nc


Top 5 Tips to Build Wealth and Success
Peter Gorenstein and Farnoosh Torabi
Tuesday, October 5, 2010

Warren Buffett is worth $45 billion. That wealth isn't only a factor of savvy investing and good business — the "Oracle of Omaha" is also known as a penny pincher. Buffett still lives in the same Omaha, Neb., home he bought in 1958 for $31,500.

Follow his frugal formula, and you too may wind up with a lot more money than you ever dreamed.

This week Financially Fit covers five tips to build wealth and success.

1. Live Below Your Means.
Being wealthy isn't just a product of your salary or investment prowess; it's learning how to save.

"We can make a lot of money, you can make a little bit of money, but the second you spend all the money is when people get into trouble. Saving is the key to preserving your wealth," says Ed Butowsky, managing partner of Chapwood Capital Investment Management, a firm that manages money for wealthy individuals.

As many Americans realized during the booming real estate market, just because you think you can afford something doesn't mean you should buy it. Keeping an eye on your bottom line will pay dividends over the long term.

2. Bounce Back From Defeat
With nearly 15 million workers unemployed right now in the U.S., it's easy to get discouraged. Don't! Most successful and wealthy people have overcome obstacles and failure along the way. Steve Jobs was ousted from Apple when he was 30. Today, he's a billionaire and a legend. Plus, after getting fired, he created another billion-dollar media company, Pixar.

"Bouncing back from defeat is something all great achievers have. They have this undying belief good things will happen and will continue to happen," says Butowsky.

Take Michael Jordan. "His airness" was cut from his high school basketball team. Motivated by the rejection, Jordan became a star the next season. The rest is history.

3. Self-Promote
Regardless of the profession, the rich and successful tend to have a strong sense of self-worth — key to skillfully navigating an upward career path. Mark Hurd, who was ousted as CEO of Hewlett-Packard in August, couldn't be kept down for long. Using his business skills and connections, in September, Hurd was named president of Oracle. (Hurd and Oracle founder Larry Ellison are known to be close friends.)

4. Have Street Smarts
Bernie Madoff lived the high life for decades, scamming unsuspecting clients, with a money-making formula that proved too good to be true. Only afterward did we learn that with a little due diligence, most clients could have easily uncovered the fraud.

But it's not only the swindlers and the con men you have to watch out for. Many times, friends and family take advantage of the rich. Whether it's a handout or an investment idea, Butowsky advises his high net worth clients that in most cases, it's wisest to just say "no." The best way to do that: have someone else do it for you.

"You need to really set up a wall between you and your family," he advises. "If you don't want to give them (family or friends) money ... saying no is probably a good idea."

5. Buy Cheap
The rich can afford to splurge, but that doesn't mean they do.

John Paulson, a billionaire hedge fund manager, bought his Hamptons "dream house at a bargain basement price," according to Greg Zuckerman, author of the Paulson-based book, "The Greatest Trade Ever." The story has it that Paulson eyed the home while it was in foreclosure. Finally, on a rain-soaked day, he purchased the home on the Southampton town hall steps. He was the only bidder.

On New York City's Upper East Side, Michael's— The Consignment Shop for Women— has been a bargain-hunting destination for more than 60 years. "We have a good percentage of women who can afford to shop on Madison Avenue but really like the idea of saving that money," says proprietor Tammy Gates.

From Chanel to Gucci and Louis Vuitton, the store specializes in high-end designer merchandise for a reasonable price. Speaking of her clientele, Gates says, "they're wealthy for a reason. They recognize that bargains keep people wealthy. Paying top dollar when you don't have to doesn't make sense."