Toyota of Nashua is pleased to announce that the biggest sale of the year, Toyotathon, is going on now at the dealership.  The end-of-year sale offers major savings for consumers with great cash back offers, great financing options, and great lease agreements.

Customers will love the abundance of offers during Toyotathon.  For the Prius lover, consumers can drive the 2011 model home with the lowest rates in history, 0% APR for 60 months.  Other models that are available with 0% APR financing are the 2011 Avalon, Corolla and the 2012 Tundra. Toyota drivers can also walk away with 2012 Toyota vehicles with 1.9% APR including the 2012 Highlander and Sienna.

Toyota of Nashua is also offering low leasing rates on Toyota models.  Consumers can get the fuel-efficient 2011 Corolla for only $149/month for 36 months.  Other 2011 Toyota vehicles up for special leasing rates include the Prius for $219/month, RAV4 $189/month, and Avalon for $339/month.  The 2012 models include the Highlander for $289/month, Sienna for $269/month, and the Tundra Double Cab 4X4 for $339/month.

Consumers can save even more on their purchase or lease during the Toyotathon with special cash-back savings.  Purchasing the 2012 Tundra Regular or Double Cab nets customers $2,000 back, $1,000 back on 2011 Avalon purchases, and $500 cash back on the fuel-efficient 2011 Corolla models, 2012 Highlander and RAV4.

When buying or leasing a Toyota, all customers receive complimentary Toyota Care.  Toyota Care covers two years or 25,000 miles of maintenance including oil and filter changes, tire rotation, and complete multi-point inspections.   Toyota owners also receive 24-hour roadside assistance to help with flat tires, dead batteries, being locked out, fluid delivery, and towing for unexpected circumstances.  Toyota Care also sends reminders for scheduled maintenance services.

If you are interested in learning more about Toyotathon and Toyota’s great vehicles, stop in at Toyota of Nashua near Manchester, NH.  Their friendly staff is happy to assist customers in their search to find the perfect Toyota.  Visit Toyota of Nashua online at http://www.toyotaofnashua.com/ and follow them at www.twitter.com/ToyotaofNashua.

About Toyota of Nashua:

Toyota of Nashua is proud to serve the Manchester, NH area.  Carrying a full line of new and used Toyota cars, Toyota of Nashua offers the best selection when it comes to purchasing a vehicle.  The knowledgeable and award winning service department is prepared to assist with all repairs and routine maintenance. The parts department offers a full variety of Toyota parts and accessories for your vehicle.  Toyota of Nashua strives for 100 percent customer satisfaction for every visit.

One primary financial tool makes financial planning transparent for private practice professionals.

After witnessing financial debacles of big industry and government-driven economies, P. Christopher Music of Wealth Advisory Associates decided to take action by rethinking the process of financial planning and developing a tool that will measure the success of any financial plan.  He recently developed a primary tool known as the Financial Prosperity IndexTM (FPI) to help private practice physical therapists achieve financial security.  This revolutionary new system was developed as a result of Music’s experiences of being a financial planner for almost two decades.

Unlike the trends of misinformation and immorality on the subject of money in the current society, the Financial Prosperity IndexTM system is easy to understand and the principles are easy to apply to a financial planning strategy.  Music says that physical therapists that run their own private practice work for long hours to Wealth Advisory Associates establish an impeccable reputation and solid client base – they should also have an objective way to track the effectiveness of their financial plan.

P. Christopher Music implements an easy planning system for private practice physical therapists by introducing the key barriers to prosperity and helping physical therapists to overcome those barriers and measure the success of their finances through proven methods. The Financial Prosperity IndexTM  clearly maps out the elements of a financial plan for a private practice physical therapist and defines the attributes of an effective financial planner.  The system represents a breakthrough in financial planning for private practice professionals instead of a one-size-fits-all type of approach.

Transparency: What an innovative idea for helping physical therapists achieve financial prosperity.

About P. Christopher Music
P. Christopher Music is an MBA, Certified Wealth Preservation Planner, Certified Asset Protection Planner, Registered Financial Consultant and Certified Management Consultant.  He is the President of Wealth Advisory Associates with nearly 20 years experience in financial planning and business consulting with a specialization in advising private-practice physical therapists.  Mr. Music applies both his financial and business acumen toward a holistic and healthy-growth approach to investment planning.  Visit Mr. Music at www.wealthadvisoryassociates.com

5-13-2010 – Open a Free Checking Account has just released their top investing guide to the general public. “We try to provide the average consumer practical information for gaining the most return on their investment,” says Jeremy Thomson, owner of OAFCA. “We cover a wide variety of investment products such as money market accounts and short term investments. What the average investor doesn’t realize is that there is a right and a wrong way to invest.”

Covered in the guide is how to seek out the highest money market rates. When people express their longing for the highest money market rates, it’s hard to tell if they are talking about APY (annual percentage yield) of money market funds, or about APY of money market accounts. These two investment channels — money market funds (MMFs) and money market accounts (MMAs) — both depend on the outcome of transactions taking place in the money market, but they are entirely different things.

To understand the differences between the two, and to have an idea as to which of them is referred to in the investing public’s desire for highest money market rates, it’s good to review money market fundamentals.

In the broadest arena there’s the financial market, the economic mechanism which brings people together so that they can trade —buy and sell — in what they call “commodities” and “financial securities”. Commodities are precious goods from gold and silver to wheat and dairy, while financial securities consist of things you often hear from business news on TV: stocks and bonds.

“We also cover in the report the best and safest short term investments,” says Jeremy. “One of the safest ways to grow your money is through low risk investments. These financial instruments include money market accounts, treasury bills (T-bills), and certificates of deposit (CDs). As people get older, they want to take less risk and not chance loosing their money. These investments fit the criteria.”

If you are someone wanting to invest in a CD, go to your local bank or check online.

“While investing in the money market is a safe investment with the high yield money market accounts, there are also many other investments you should look at,” says Jeremy. “What we try to do in maximize your investment while minimizing risk.”

The Connecticut Real Estate Investors Association, or CT REIA, is announcing its 6th Annual Holiday Dinner. This event will take place on Tuesday, December 8th, from 6:30pm to 9:00pm, at the Cromwell Plaza Hotel in Cromwell, CT. A special expert real estate educator will be the guest speaker at this event.

This dinner is an opportunity for real estate investors and professional to network and join together in the spirit of the holiday season. Attendees are encouraged to bring business cards, and network with other like-minded individuals in the real estate industry. The price for this event is $34.95 for members, and $44.95 for not-yet-members.

In addition, CT REIA will be having its annual awards ceremony. Awards will be given out in the following categories: volunteer of the year, most creative deal of the year, rookie of the year, making a difference in the community, and most profitable deal. Attendees are encouraged to nominate themselves and others by emailing [email protected] with their nominations.

CT REIA is an organization that provides motivation, networking opportunities, and up-to-date education for people that want to buy their own home or investment property in today’s real estate economy. Each month, a nationally known real estate investment speaker is featured. Real estate professionals, investors, landlords, realtors, contractors, wholesalers, rehabbers, and the general public are invited to attend our monthly meetings for educational and networking opportunities. For more information, please call (860) 265-4414 or visit CTREIA.com.

The Connecticut Real Estate Investors Association, or CT REIA, is announcing its November Monthly Meeting with guest speaker Nick Sidoti. This event will take place on Monday, November 16th, from 5:30pm to 9:00pm, at the Cromwell Plaza Hotel in Cromwell, CT.

This workshop will focus on how to increase real estate rental income through special needs housing. Additional topics that will be discussed include: how to market your rentals to government agencies that pay more than market rent, how to utilize government resources to increase real estate rental income, and tips on how to rent apartments to college students, veterans, government agencies, and other customers.

Nick Sidoti is a Buffalo, NY based landlord who has been buying and managing properties since 1989. Nick is a full time investor since 1979 and the national expert on student and special needs rentals. He is a seasoned investor, author and columnist who has passed the test of time. He has lectured to thousands at real estate organizations and conventions and across the country for over 20 years. His credentials include national designation as a R.A.M. – Registered Apartment Manager and C. P.M. Certified Property Manager CPM.

CT REIA meets monthly to provide motivation, networking opportunities, and up-to-date education for people who want to buy their own home or investment property in today’s real estate economy. Each month, a nationally known real estate investment speaker is featured. Real estate professionals, investors, landlords, realtors, contractors, wholesalers, rehabbers, and the general public are invited to attend our monthly meetings for educational and networking opportunities. For more information, please call (860) 265-4414 or visit the Connecticut Real Estate Investors Association website.

Iksanika, a US-based software outsourcing company with a production office in Eastern Europe is excited to announce the launch of a new development practice focused on financial and banking industry.

Processes related to finance require a comprehensive level of security, accuracy and reliability. The combination of these factors results in an utterly high level of requirements to software solutions and products focused on this specific domain. Iksanika offers technologically mature development services to a diverse number of financial market participants: payment service, market data, electronic brokerage providers, banks, exchanges and other financial service institutions. Iksanika addresses the companies that cannot use ready-made solutions and need new products to be developed, customized or integrated to existing software components to correspond with their unique business model. Company’s offer also covers end-to-end enterprise-wide system integration.

“With the continued success of our company and the increasingly strong demand of web-based and enterprise service solutions in financial sector, we are pleased to bring Iksanika experience to the industry”, – said Alex Vergej, CEO of Iksanika. – “Customers appreciate our high responsiveness, knowledge of technology- and industry-specific issues and willingness to contribute it to the project success. We deliver immediate benefits and lasting value to the companies that choose guaranteed quality of software services and optimized costs combined. Entrusting your project to Iksanika you get it delivered on time and on budget”.

Iksanika offers outsourced development of financial trading tools, payment services, corporate compliance, transaction routing systems, customer relations management, financial document management systems, and other software to serve financial and banking institutions.

“Today the financial sector demonstrates the signs of recovery after recession. And we believe it’s the right time to get ahead of the competition by making well-considered strategic investments and offering your clients next-generation reputable web-based services that allow to securely manage their money online. Besides, it’s a crucial moment when internal processes optimization can be the key to further success”, – commented Alex Vergej.

About Iksanika:

Iksanika delivers outsourced software development and custom software development services to leading software development and SaaS, e-Commerce and Rich Internet Application (RIA) providers worldwide. Iksanika’s main focus is web-based solutions, and offer full-cycle software development, re-engineering, QA and maintenance services. Certified by independent assessors (Carnegie Mellon University) and technology vendors (Adobe and Sun Microsystems), the company provides technological support to their customer’s business success by reducing time- and cost-to-market, along with enhancing functionality and usability of their customer’s software solutions.

For those contemplating investment in fine wine as part of an overall investment portfolio, the latter part of 2008 serves as a good barometer for the resilience of this market.

As predicted, the initial dip seen last October, attributed to the large sell-off of investment grade wines as global economies turned sour, is starting to show signs of sustained recovery, thanks in large part to the unique supply and demand characteristics that influence this market. Increasing worldwide demand for these wines, particularly from the Asian market, has resulted in an inverse supply curve and prices ticking back up.

It would appear that Hong Kong’s intentions are clear in wanting to become the trading hub for fine wines in the region by adopting a zero tax policy on wines and spirits to replace the 40% tax levied previously. This, combined with the weak sterling, has been the catalyst for the major auction houses, (Sotheby’s, Christie’s, Acker Merrill), setting up shop in Hong Kong and enjoying considerable success. Traditionally, these same auction houses hold their monthly sales of fine wines in London and New York to provide added value to their core of art buying clients, which stands in contrast with the fledgling market developing in Hong Kong where wine has taken centre stage.

Rather than being ‘wine investors’, the profile of buyers in the East Asian region suggests that they are buying for consumption rather than profit, however with such a strong track record of performance within the established market, we feel it is only a matter of time before speculation begins to play a greater role and further contribute to the longevity of this present growth cycle.

Although it is often said that the market for fine wines is the last to feel the impact of any economic upheaval and the first to show recovery, there is no substitute for seeing this principal put to the test as indeed we have over the last 10 months.

What has become apparent is that rather than there being a period of inactivity – consumption, collection and speculation have remained unhindered leaving auctioneers bullish and investors currently still able to buy investment grade wines at an advantageous price, indicating probable growth in the medium as well as long term.

www.wilsondouglas.co.uk

[email protected]

HSBC is providing £120,000 in university bursaries to help four promising students realise their potential and make the most of their time at university.

The bursaries will be awarded to the four students in November 2009, with £10,000 made available every year for three years.  To enter, students¹ need to complete a short online application² (www.hsbc.co.uk) explaining why they chose their degree and how they plan to use the funding.

The applications will then be short listed and the final decision made by a panel of judges, including:

• Aaron Porter, Vice President, NUS (National Union of Students)
• Joe Garner, Group General Manager, HSBC Bank plc
• Emerson Osmond, Commercial Manager, yougofurther.co.uk brought to you by UCAS

Lucy Payne, HSBC’s Youth and Student Manager said:  “This is the second year we have made bursaries available and we are delighted to be able to do so again.  HSBC invests heavily in financial education and literacy, focusing a lot of attention on helping young people and students to be responsible with their finances.”

In 2008, HSBC awarded four bursaries to students from a wide range of disciplines.   Imogen Cornick, who received one of the bursaries, is studying Sports Science & Material Technology at Birmingham University.  Commenting on how the bursary has helped her during her first year, Imogen said:  “The money has been an enormous help and has opened the door to many opportunities. All the money I had before was spent on fees and living expenses; now I even have the funds to go on trips run by the university.   I have also been able to cancel my student maintenance loan, which means I will graduate with no debt; a definite advantage.”

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The four students who were awarded bursaries in the 2008 HSBC Student Bursary Awards³ are:

• Mira Athanassouli, studying German and Modern Greek at Kings College in London;
• Zac Imam, studying MSci Geophysics at Imperial College in London;
• Chandni Patel, studying Medical Genetics at Queen Mary’s College, University of London; and
• Imogen Cornick, studying Sports Science & Material Technology at Birmingham University.

Media Enquiries to Candice Durrett on 020 7991 0634 or [email protected]

Additional information available on other Current Accounts (http://www.hsbc.co.uk/1/2/personal/current-accounts) provided by HSBC.

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Footnotes

Footnotes

1  The applicant must be an HSBC Bank plc 1st year student customer

2  The application form can be found at www.hsbc.co.uk/studentbursary

3.  Photos of the 2008 HSBC Bursary Awards winners are available upon request

Notes to editors

HSBC Bank plc

HSBC serves 15.6 million customers in the UK and employs more than 40,000 UK staff.  HSBC is Britain’s most recommended big bank.  HSBC Bank plc is a wholly owned subsidiary of HSBC Holdings plc, and a member of the HSBC Group.

HSBC Holdings plc

HSBC Holdings plc serves over 125 million customers worldwide through around 10,000 offices in 83 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. With assets of some US$2,150 billion at 30 June 2007, HSBC is one of the world’s largest banking and financial services organisations. HSBC is marketed worldwide as ‘the world’s local bank’.

Fewer than half know how to manage credit & finances

Wallingford, CT – October 21, 2008 – More than half of teenaged students get a failing grade when it comes to looking after their own finances, and the result for many is an unmanageable debt load.

According to Connecticut Better Business Bureau President, Paulette Hotton Scarpetti, parents can serve as role models for sound financial habits.

“It isn’t enough for young adults to be prepared academically. Their success may hinge, to a large degree, upon their ability to handle money and manage debt. These everyday skills are as important as anything learned in the classroom.”

According to a 2007 survey commissioned by Charles Schwabb, fewer than half of teens consider themselves knowledgeable about budgeting (41 percent), how to pay bills (34 percent), or how credit card interest and fees work (26 percent).

Another survey, by the U.S. Public Interest Research Group, reveals freshmen have an average credit card balance of over $1,300 a month.

Connecticut Better Business Bureau recommends parents discuss with their teenagers four critical rules for managing personal finances:

Build a solid credit history:

This includes keeping the number of credit cards to a minimum, keeping a tight reign on spending and paying off balances monthly to avoid interest charges.

Start saving money: Even if it is a small amount every month, a college student will reap a lifetime of benefits by developing good saving habits early. If a freshman puts $50 a month into a high-yield savings or money market account, that amount will balloon to $2,660 by graduation, and in 25 years, they will have saved nearly $15,000 plus another $15,000 in dividends.

Pay Bills on time: Credit card companies may charge late fees as high as $40. When a late fee is combined with interest fees upwards of 30 percent, students will quickly see how much money is lost by not paying a bill in full and on time.

Protect personal information: Students should be encouraged to shred unnecessary documents that contain personal information such as social security, bank account and credit card numbers, and keep a close watch on checks, debit cards and bank books.

Almost 80 percent of the time, personal information was stolen by someone with whom they had contact, making it important to protect against identification theft both online and offline.

Parents and students may find more information on ID theft prevention measures and managing credit and bills at www.bbb.org.

Bankruptcy is still an available option to most Americans in financial difficulty. Creditors can be stopped, and foreclosures can be prevented.

Recent changes in the Bankruptcy Laws and the publicity associated with them has led many to believe that Bankruptcy is no longer available as a means of avoiding unbearable debt. This is not true.

In 2005, Congress passed sweeping legislation, sponsored by the Consumer Credit industry, which changed the requirements for seeking Bankruptcy relief. Since the 2005 amendments to the Bankruptcy Code there has been a lot of misinformation regarding the accessibility of the Bankruptcy Courts for Americans in financial difficulty. But Bankruptcy is not dead.

In fact, today, most Americans in financial difficulty can still use the Bankruptcy Courts for protection. There are two ways to establish your eligibility for a Chapter 7 Bankruptcy.

One way to establish eligibility for a Chapter 7 Bankruptcy is to show that the household’s income, for six months, is less than the national median income for the same size household (adjusted for each state). Of course, many households in America make less than the median income while a similar number make more than the median income.

For those households that make more than the median, there is a second test to establish eligibility for Chapter 7 Bankruptcy. However, the second test is more complicated. The second eligibility test is based upon whether most of the household’s income is needed for the necessities of life. Many American households, today, use all of their income, and more, for the necessities of life. This second test, therefore, affords eligibility to many households which make more, sometimes much more, than the national median income.

We find that more than 75% of the individuals that consult with us regarding Bankruptcy protection are eligible under the 2005 Amendments to the Bankruptcy Code. This, of course, requires a careful analysis by an experienced Bankruptcy Lawyer.

Before the law was changed in 2005 many lawyers and paralegals dabbled in Bankruptcy. Today, many of those lawyers and paralegals will not. The State Bar of California, Board of Legal Specialization certifies the competency of Bankruptcy Specialists so that a client seeking the advice of a Bankruptcy Specialists can be certain that the chosen lawyer is competent to protecting their interests.

In these troubled financial times there is one portion of the Bankruptcy Code, which specifically affords protection for people under the threat of foreclosure. Chapter 13 of the Bankruptcy Code allows for homeowners to stop foreclosure proceedings and force their lenders to allow sixty months to pay back arrearages. This is just the relief that many American Households need.

Here too, the eligibility for a Chapter 13 Bankruptcy is something that should only be analyzed by an experienced Bankruptcy Lawyer. The specific financial facts for each individual must be review in determining whether Bankruptcy is a good idea. But, it is still available and makes good sense for many financially troubled Americans.

Bankruptcy is not dead but alive and well as a tool in the hands of an experienced lawyer to protect valuable assets and financial well-being.

Richard A. Brownstein
Brownstein and Brownstein LLP
21700 Oxnard Street, Suite 1160
Woodland Hills, CA 91367
Tele: 818 905-0000
[email protected]

http://www.brownsteinllp.com

One of only 105 lawyers in the State, Certified by the California Bar Association, Board of Legal Specialization as a Bankruptcy Specialist.