Press Release Backyard

Archive for the ‘Financial’ Category

San Antonio, TX March, 2012. The economy is weakening, and it’s been for some time now. Many persons are struggling with credit and finances, and many credit repair companies have popped up to solve this growing crisis. Not all of them, however, have met TX state requirements like CC Credit Solutions has done.

In the state of Texas there exists policies in place that regulate credit repair companies, and one of the requirements is that the company register with the state as an official Credit Services Organization, or CSO. Many businesses don’t know this and fail to register, therefore leaving their business open to problems.

Another requirement is that every single firm has an active surety bond in place of at least $10,000. This protects both the firm and the client from unpredictable mishaps and events, and needs to be renewed annual in order for the business to remain in good standing.

A 3rd requirement for credit repair amenities in TX is that a physical business location exists. A company running from a home basement is unacceptable in regards to financial advice and support.

CC Credit Solutions is one of very few Texas credit businesses that meet all of these requirements. In fact, it’s the only registered CSO within the whole Corpus Christi area that also keeps a surety bond renewed annually. Many similar businesses don’t have the resources to keep this bond in place, leaving them liable to additional problems.

Similarly, CC Credit Solutions is one of only two San Antonio credit businesses that specializes in repair and rebuilding. The choices are even slimmer in South Texas, where there are no registered credit repair companies from Brownsville to McAllen and from Laredo to Del Rio.

For more details about CC Credit Solutions and what they can do for their clients, visit the website at http://www.cccreditsolutions.com. Also available on the internet site is specific contact information for the firm’s various Texas locations, though the San Antonio info, along with the general toll free number, are listed below.

18587 Sigma Rd Suite 260
San Antonio, TX 78258
PH: 210-495-9700
FAX: 210-495-9704
Toll Free: 866-991-1113
http://www.cccreditsolutions.com

San Antonio, TX, December 2011 – What’s the secret behind the success of those companies and how can it be implemented to other situations as well? The answers can be found in the fact that they had solutions for their problems. It’s all about examining the available prospects and coming up with the best choices in this matter.

One of the solutions that were implemented here referred to the idea of using accounting San Antonio services in order to have a clear vision of all the available financial resources. This type of service comes in handy in a situation of crises as it helps the client understand where the money are going and what can be done with the available resources. The www.ahcpas.com environment brings forth the idea that this is the perfect way to actually cover the entire basis when it comes to the debts that the company has.

Another great argument in favor of the accounting San Antonio services is related to knowing where all the money goes. This means that if there are situations where there are slips or people that are taking advantage, the accounting company will know. This can easily help the client to master his expenses and direct the profit to where the company needs it. It’s all about watching over the money that flows in that particular business.

The company can easily come with more information on this topic and they can be accessed at the given contact information.

Anders & Hartman, CPAs
Contact: Ken Anders
18545 Sigma Rd, Ste 103
San Antonio, TX 78258
(210) 344-2727
Fax (210)344-1405
email: cpainfo@ahcpas.com

The HSA, Health Savings Account changes for 2012 have just been released by the IRS. The IRS increased the amounts HSA account holders can deposit in their accounts for 2012. Individuals who are participating in a High Deductible Health Insurance Plan may now deposit $6,250 yearly. The family can deposit up to $11,900. These plans can be individual High Deductible Health Plans or a group High Deductible Health Plan. (HDHP)

The Maximum deposits are no longer limited by the deductible of the HDHP (High Deductible Health Insurance Plan). This improvement removes limitations on dollars deposited to the deductible. The Maximum deductible for the family plan is $5,950 for 2012. This HDHP deductible is limited two times per family. Simply put $5,950 x 2 is the maximum out of pocket per year per family. The health plan pays 100% of the health costs after the deductible is met. The limitation removal allows the family deductible to approach close to 100% funding. Statistically speaking, a family meeting more than one deductible in a calendar year is very slim.

How it works: All expenses (which are less than the deductible) are paid from the Health Savings Account. This means that there are no copayments for physician visits or drug purchases. You pay 100% from your account. This is a plus for everyone. You, the consumer, are paying cash and paying the cost at the time of service. You present your HDHP card to the physician and receive the PPO discount. This gives you credit to your deductible. You may also ask the physician for a cash discount since you are paying the full price at the time of service. The physicians like this because they do not have to wait 30 to 90 days for payment and are more inclined to give you a cash discount. Ask your physician which is greater, the PPO discount or their cash discount if they will not allow both. Thus, making you prudent about the amount you spend because it is coming out of your pocket. We do advise that all members keep their receipts for any visits and/or prescription purchases to confirm these expenses were credited to your deductible. A cash discount may not be reported to the HDHP so you will be responsible for submitting your receipt.

You should consider an HSA for the tax exempt advantage (no FICA or Income Tax) is paid on deposits. This is a very attractive option. The tax advantage can be as much as 40% but seldom less than 15%. Simply put, you are getting between $40 to $15 dollars in tax credits for every $100.00 you deposit in the HSA account. Best case scenario; when you spend $100.00 from your account, your real cost is $60.

The growth has no limit to the HSA account, if you do not use it, it continues to grow. If you fully funded a family plan for 10 years and did not need to access your account it would grow to over $120,000.00. This does not allow for interest paid to your account. $120,000 gives you many options.
Please remember you must maintain a HDHP to continue making deposits, however you can continue to use the funds for health costs until the funds are completely depleted if you discontinue the HDHP for any reason.

H.S.A.’s can be used to pay for any medical expenses, including Vision and Dental expenses. HSA funds can be used to pay COBRA premiums and LTC premiums. The account holder can use the funds to pay for other family member’s costs such as copayments, deductibles and any other qualified expense from other plans. The HSA account can actually be an option for funding Dental and Vision benefits for deductibles and after the limited benefits have been met.

It is not difficult to open an HSA account, you can do it on line; but you must have a HDHP to qualify. The fiduciary will ask for verification of your Health Insurance plan to be sure it meets the IRS guidelines.

Keeping your HAS account separate provides you with easy mobility in changing your health carrier as often as you like. Your HSA stays with the same company that specializes in HSA’s and you have the freedom to change health carriers at your discretion.

Think, Should I have an HSA? A good start is to ask your-self, Would I rather pay premium to an Insurance company for a doctor co-pay and drug card or place money in a tax favored savings account that I own. Put a pencil to it. Take the Health Insurance premium savings with a HDHP. HDHP’s remove Physician visits and Drug cards reducing the premium. Make your H.S.A. deposit as high as you can stand. The maximum is best. The minimum deposits are around $50.00. Remember the tax credits and step up your deposit.

Important: The physician visits and drugs are paid at 100% from the HSA account and these costs are credited to the deductible.

I have found most people do not understand HSA’s and avoid what they do not understand. I have also seen most become fans after they have worked the figures with a five year plan. The HSA could be described as a consumer driven product, meaning you the consumer are in control of paying the physician and are prudent about the amounts you pay. Physicians will give discounts when paid cash at the time of the appointment or procedure. The HSA account allows you to pay with a debit card at time of services (assuming you have funded the account). Using the HSA, the physician is paid quickly; you are using tax favored money (larger discount for you).
Everyone wins. Yes, this is a good option and should be considered by all.

Servicing groups in Employee Benefits and Individual Health Insurance plans for thirty plus years gives us insight to truths and myths about Health Insurance. We have found that Employees who understand their health insurance plans are better stewards, which keeps premiums manageable. Also, when given the option of a blended plan and a traditional PPO with HSA option, most choose the HSA.

Author: Gary McCarron has been in the health insurance business for over thirty years. Gary has traveled the State of Texas Teaching through seminars business owners, CEO’s, Human Resource persons & Insurance Agents the advantages of using HSA’s, FSA’s, HRA’s and consumer driven health products. Owner of www.TheGroupDivision.com which has served Boerne and San Antonio since 1990. The Group Division is a brokerage agency that specializes in employer and individual family health insurance products. Need to open an account, roll HSA or MSA money, Visit or web, click setup an HSA, it is easy

REVERSE MORTGAGE IN TEXAS

San Antonio, TX June 2011 The answer for many of our nation’s elderly workers may lie in accessing the equity that has built up in their home. This brings up the topic of risk and how risky it is to obtain a new loan on their home. For workers 62 and older who have at least 50 percent equity in their home, a reverse mortgage just may be a lifesaver. With a HUD-approved reverse mortgage, homeowners have many options available to them. The most obvious is a reverse mortgage that offers a lump sum or a line of credit. Many think this is not a viable option, fearing income and credit requirements that are usually attached to any type of home loan.

At SeniorReverseMortgageServices.com, Norman Williams is President and CEO of Senior Reverse Mortgage Services. He was born in Austin, Texas in 1948 and grew up in Fort Worth. He now lives in Grapevine, Texas. Norman received his Bachelors Degree in Psychology / Business Administration from the University of North Texas in 1972. Norman is a frequent speaker for church groups, clubs and organizations throughout the state on various Estate and Financial Planning topics. He empowers senior citizens with the knowledge to prepare their estates to avoid unnecessary costs associated with probate and long-term care, such as nursing home, home health care and assisted living care facilities. With the country’s current economic condition, many people, including seniors, are finding themselves in the unemployment line. While it can be difficult for anybody to obtain a new job, it can be particularly challenging for seniors, as they are forced to compete with many other people for the same position.

A reverse mortgage in Texas has no income or credit requirements; you are just tapping into your home’s equity. The funds you receive never have to be paid back while you live in the home. Even if the value of your home drops and you find yourself owing more that the property is worth, those with a HUD-approved reverse mortgage do not have to worry. Your heirs will never be saddled with having to pay any money back. HUD will take care of any remaining money owed on the home, and your heirs will get whatever equity is left after the house is sold. Income from your reverse mortgage is also tax-free. You should be aware that income from a reverse mortgage may affect your ability to qualify for need-based programs like Medicaid.

You can also arrange to have the money held, like an equity line, and you can take it out only when you need it. If you are older than 62, you may be looking at retiring soon, meaning you may need the money even if you are not laid off.

Reverse Mortgage Dallas

NMLS # 257913
312 Harwood Rd., #101, Bedford, TX 76021

http://www.seniorreversemortgageservices.com

LAS VEGAS AUTO INSURANCE

San Antonio, TX May 2011 If you are a Las Vegas Valley resident looking for a new auto insurance policy or just shopping for a better deal, A Better Way Insurance Agency is here to help you. There are 3 easy ways to get a quote – just Call, Click or Come By. A Better Way Insurance Agency will shop up to 30 of the top insurers in Nevada to find you an auto insurance policy that is affordable and has the right coverage for you. A home is often a person’s largest asset and protecting it properly can be complicated. If you are faced with the sometimes daunting task of shopping for homeowner’s insurance, don’t worry! A Better Way is an independent insurance agency that can shop multiple carriers to get you the best home insurance policy at the lowest premium!

A Better Way is a leading independent insurance broker located in beautiful Las Vegas, Nevada. We specialize in all Personal Insurance products including Auto, Home, Life and Health. Being a broker affords us the luxury of comparing rates from several top rated insurance companies to find the best rates for you and your family. Need help with understanding which coverage is right for you? Travelers, one of our companies, offers a free interactive guide to choosing the right coverage. Click below to use the guide.

The needs of every home owner are different and your home insurance policy should reflect that. At A Better Way we will provide a homeowner’s insurance policy that will best suit you and your family. Contact us today for more information on our comprehensive homeowner’s insurance policy options for our Las Vegas auto insurance. Like other agents in town we provide General Liability, Business Auto, Workers Compensation and any other coverage you might need for your business Unlike other agents in town we offer a very unique program that goes well beyond the standard insurance coverages. Before you read any further you need to ask yourself this question –

If you are like 99% of the business owners out there, the answer is probably none. The 1% answering differently most likely are customers of ours. You see we tirelessly promote your business through our Personal Insurance division “A Better Way Insurance Agency” (on our website, in our e-newsletters, with our referral rewards program). We are different and take our job of Promoting and Protecting your business very seriously. After all, It is our job to make sure that your business is correctly insured and at the lowest premiums possible. We know the value of long-term relationships and get to know you and your business. We will help you grow your business – we want you to be successful, stay in business forever and be our customer forever. For more information on the benefits of switching your business insurance, contact Tom Raasch CPCU at 702-304-9998 begin_of_the_skype_highlighting 702-304-9998 end_of_the_skype_highlighting begin_of_the_skype_highlighting            702-304-9998 begin_of_the_skype_highlighting 702-304-9998 end_of_the_skype_highlighting end_of_the_skype_highlighting.

1780 N Buffalo Dr. #108

Las Vegas, NV

Phone: (702) 304-9998 begin_of_the_skype_highlighting (702) 304-9998 end_of_the_skype_highlighting

http://www.abetterwayins.com

SAN ANTONIO TAX PREPARATION

San Antonio, TX May 2011 Anders & Hartman, CPAs, P.C. is a local firm of Certified Public Accountants that traces its origin back to 1970. The Firm conducts the practice of public accounting as a professional corporation. Beginning with Certified Public Accountants emerging from Peat, Marwick, Mitchell, once the largest accounting firm worldwide, the scope of experience within the firm today covers more than seventy-five years. Quality San Antoio tax preparation.

Although the Firm specializes in small to medium-sized businesses, its clients represent nearly all facets of the economic spectrum of San Antonio. Because of this wide variety of clientele, the Firm’s professionals and para-professionals practice mandatory continuing education. In addition, an extensive library is maintained within the Firm for immediate access when necessary to conduct research. Kenneth W. Anders received his Bachelor of Business Administration degree with a concentration in Accounting from The University of Texas at Austin in January 1970. After graduation he joined the audit staff of Peat, Marwick & Mitchell, then the largest accounting firm worldwide.

He has more than 34 years in CPA practice and, his public accounting practice has concentrated on accounting, tax and business consulting for small businesses and entrepreneurs. Mr. Anders has published numerous articles on income tax and financial planning. Mr. Anders has served as an officer and a director of several corporations. He has been elected as a precinct chairman for eight years and a four-time delegate to the Republican State Convention. Community involvement includes serving on the board of directors for many  organizations. A member of Cornerstone Church for 29 years, Mr. Anders has been an elder, a home ministry leader for over 15 years, and an area director for over four years. He has served as treasurer for Full Gospel Businessmen’s Fellowship International and is a founding officer of Bexar County Christian Coalition.

18545 Sigma Rd, Ste 103

San Antonio, TX  78258

(210) 344-2727 begin_of_the_skype_highlighting (210) 344-2727 end_of_the_skype_highlighting begin_of_the_skype_highlighting            (210) 344-2727 begin_of_the_skype_highlighting (210) 344-2727 end_of_the_skype_highlighting end_of_the_skype_highlighting

Fax (210)344-1405

email: cpainfo@ahcpas.com

http://www.ahcpas.com

LAND LOANS

San Antonio, TX May 2011 Trust Financial is a mortgage lender offering mortgage products across a broad spectrum of agricultural industries. At Trust Financial “Our mission is to provide our customers with the most competitive loan products available in the marketplace coupled with outstanding service”.

Specializing in real estate land loans for dairies, farms, ranches, timber and agribusiness, Trust Financial knows the world of mortgage lending. In that world, taking care of their customer’s financial requirements is a responsibility built on integrity and absolute trust. Trust Financial was founded with the commitment to consistently exceed the expectations of our customers. Their years of experience and industry knowledge allow them to provide strength, stability, and satisfaction to our clients. They believe in building lasting relationships by meeting our customer’s needs, preferences, and requirements. At Trust Financial they believe that their past success is the best indication of their future performance. Each of their clients had the confidence to entrust them with their important financing needs. They measure their success by the success of their clients. Trust Financial’s mission is to provide their customers with the most competitive loan products available in the marketplace coupled with outstanding service.

Home Office, San Antonio:
Trust Financial, A Mortgage Company
13300 Old Blanco Road Suite # 321
San Antonio, TX 78216
Phone: (210) 479-5648 begin_of_the_skype_highlighting (210) 479-5648 end_of_the_skype_highlighting

Texas Panhandle Office:
Trust Financial, A Mortgage Company
5109 82nd Street, Suite 7, Box 132
Lubbock, TX 79424
Phone: (806) 771-4476 begin_of_the_skype_highlighting (806) 771-4476 end_of_the_skype_highlighting

Florida Office:
Trust Financial, A Mortgage Company
3450 West Washington Street
Monticello, FL 32344
Phone: (850) 766-2424 begin_of_the_skype_highlighting (850) 766-2424 end_of_the_skype_highlighting

Colorado Office:
Trust Financial, A Mortgage Company
124 Oak Avenue
Eaton, CO 80615
Phone: (970) 381-8681 begin_of_the_skype_highlighting (970) 381-8681 end_of_the_skype_highlighting

Maine Office:
Trust Financial, A Mortgage Company
320 Silver Street
Waterville, ME 04091
Phone: (207) 509-0117 begin_of_the_skype_highlighting (207) 509-0117 end_of_the_skype_highlighting

http://www.trustfinancial.us

AUTO INSURANCE HOUSTON

San Antonio, TX May 2011 Many people don’t realize there are big differences in insurance agencies. When they buy insurance, they are choosing one of these three options.

Captive Insurance Agents work for just one company and sell only one brand.

Telephone Representatives do the same, and sell “at a distance” over the telephone.

Independent Insurance Agents are vested members of your local community. They represent several different insurance companies. They can compare the coverage’s and prices offered by these firms to find you the best possible value-the best combination of coverage and price for your individual circumstances. They do business face-to-face and are there for you, as your advocate, in time of need of auto insurance Houston.

Why Mike Powell Insurance, an Independent Insurance Agency?
When you go shopping for something complex and important, where do you like to buy?

1. From a person who sells only one brand?

2. From a telephone representative who sells only one brand?

3. From a knowledgeable expert in your local community who understands and sells many different brands and can help you find the best combination of price and value for your individual needs.

The Mike Powell Independent Insurance Agency

Gives you excellent service and competitive prices because our agency can compare insurance coverage from many insurance companies.

We will offer you a choice of insurance plans and programs.

Unlike other agencies, we are not beholden to any one company. Thus, you don’t need to change agencies as your insurance and service needs change. We will shop for you. We are a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.

We offer one-stop shopping for a full range of products like: Home, Renters, Auto, Commercial, Investment property, GL’s, Bond’s, Builders risk, Life, Health, 401k, Contractors, Workers comp, Young drivers, Sport cars and much more.

We can periodically review your coverage to keep up with your changing insurance needs. We treat you like a person, not just a number.

MIKE POWELL INSURANCE AGENCY
4775 W Panther Creek Ste 130 A
The Woodlands, TX 77381

http://www.mp-ins.com

PROPERTY PRESERVATION SEATTLE 2

San Antonio, TX April 2011 New Leaf is a full-service general contractor specializing in all aspects of property preservation, renovation, and maintenance; from basic turnovers to stunning remodeling. Our ‘hands-on’ approach and experience in the construction industry are unrivaled in speed and quality. Our team of professional managers and skilled craftsmen will enhance your property to achieve its’ maximum potential; whether the job is residential or commercial, large or small – and we will complete it on budget and on time, every time. New Leaf specializes in preserving and maintaining distressed properties before, during, and after the foreclosure process.  Whether the asset is pre-foreclosure, bank-owned or privately held, we know that providing quick turnaround and achieving conveyance condition are the highest priorities.  With limited buyers in this challenging market it is vital for both investors and individual buyers to see potential in your property, so we tailor our services to meet the needs of your property or client.  Whether it involves securing, cleaning,  property preservation in Seattle or repairing, New Leaf offers all services at competitive prices.

Additionally, our trained staff and reputable subcontractors are able to inspect, identify, report, bid, and remediate all health and safety hazards present on the property. New Leaf documents the entire process with photographs and reports, to ensure that work is done in strict accordance with the client specifications as well as HUD, VA, and FHA guidelines. Either re-key or replace lock-sets for all exterior doors and secure garage doors for abandoned, vacant, or foreclosed properties.  New Leaf will also board openings to HUD guidelines when a safety or vandalism risk is present or as required by local authorities. Removal of all debris from the interior and exterior of the property, including garbage, appliances, vehicles, and hazardous waste.  In addition, we offer full service janitorial, painting, and landscaping tailored to property and customer requirements. New Leaf maintains properties throughout Washington State, by providing full interior and exterior services, which include; janitorial, landscaping, and winterization. In addition, New Leaf performs a wide variety of specialty and/or custom services requested by our clients. Should public utility service be continued for a property, New Leaf can transfer the utilities into the bank’s name as necessary.

This service is often invaluable for properties with sump pumps or in winter months when a constant interior temperature needs to be maintained. New Leaf specializes in creating custom turnover and maintenance packages that make managing the physical aspects of any property quick, easy, and painless.  Services include debris removal, cleaning, and damage repair.  Our goal is to establish your trust and confidence so that you can focus on deriving the greatest value from your property portfolio. New Leaf works hand in hand with property managers to restore rental desirability to properties after tenant departure.  Whether the property needs cleaning, paint touch-ups, or extensive repairs, New Leaf works efficiently and effectively to return the property to desired market standards. New Leaf maintains properties throughout the central and south Puget Sound region, by providing full interior and exterior services.  These services are tailored for weekly or monthly service for occupied properties in janitorial and landscaping needs. In addition, New Leaf performs a wide variety of specialty and/or custom services requested by our clients. Sometimes problems require immediate attention, regardless of the time of day; therefore New Leaf is available twenty four hours a day, seven days a week for all unexpected problems.  This service is offered by either a fixed contract amount or through expedited work orders.

Contractors Lic # NEWLELP927NG
1019 Pacific Avenue Suite 801, Tacoma, WA 98402

Office: 253 200 1173 begin_of_the_skype_highlighting 253 200 1173 end_of_the_skype_highlighting

Fax: 253 200 0292

http://www.nlpps.com

DAIRY LOANS

San Antonio, TX April 2011 Trust Financial is a mortgage lender offering mortgage products across a broad spectrum of agricultural industries. At Trust Financial “Our mission is to provide our customers with the most competitive loan products available in the marketplace coupled with outstanding service”. Trust Financial specializes in real estate land loans for dairies, farms, ranches, timber and agribusiness. In the world of mortgage lending, taking care of our customer’s financial requirements is a responsibility built on integrity and absolute trust. Trust Financial was founded with the commitment to consistently exceed the expectations of our customers. Our years of experience and industry knowledge allow us to provide strength, stability, and satisfaction to our clients. We believe in building lasting relationships by meeting our customer’s needs, preferences, and requirements. At Trust Financial we believe that our past success is the best indication of our future performance. Each of our clients had the confidence to entrust us with their important financing needs. We measure our success by the success of our clients. Trust Financial conducts business exclusively within the Agriculture Industry. Dairy loans make up a significant portion of our portfolio and we look forward to maintaing as well as growing our relationship with the dairy business for dairy loans.

Our years of experience and dairy industry knowledge allow us to provide strength, stability, and satisfaction to our clients. We believe in building lasting relationships by meeting our customers’ needs, preferences and requirements. Please feel free to complete a brief online application to tell us more about your specific dairy financing needs. Trust Financial is a mortgage banking firm headquartered in San Antonio, Texas and specializing in real estate loans on farms, ranches, dairy facilities, timber operations and agribusinesses. Our mission is provide our customers with the most competitive loan products available in the marketplace coupled with outstanding service. Taking care of our customers’ financial requirements is a responsibility built on integrity and absolute trust. Trust Financial was founded with the commitment to consistently exceed the expectations of our customers. Our years of experience and industry knowledge allow us to provide strength, stability, and satisfaction to our clients. We believe in building lasting relationships by meeting our customers’ needs, preferences and requirements. We specialize in offering mortgage financing on a full range of properties.

Rupert Hays is a Certified Mortgage Banker.  Rupert has been in the mortgage industry in excess of 40 years.  A native Texan, Rupert was educated in Texas and Illinois.  Rupert has owned and operated mortgage banking operations involved in residential and commercial mortgage lending. Rupert has consistently been a leader in the mortgage banking industry.  Rupert has originated and purchased over $1 billion in mortgage loans in his career.  He has also issued $2.2 billion in mortgage backed securities and $900 million in collateralized mortgage obligations.  Rupert has been active in the Mortgage Bankers Association. Rupert has served as a member and was elected Chair of St. Mary’s University Board of Trustee’s. On behalf of a national trade organization he has been a participant before the Financial Accounting Standards Board and appeared before the United States Senate providing expert witness testimony on behalf of the mortgage industry. Rupert currently serves in the role of Relationship Manager with Trust Financial where he is responsible for originating and servicing mortgage loans on farms, ranches and agribusinesses.  Rupert brings a wealth of knowledge and experience to the Company.

Trust Financial
13300 Old Blanco Road
Suite #321
San Antonio, TX 78216
Phone: (210) 479-5648 begin_of_the_skype_highlighting (210) 479-5648 end_of_the_skype_highlighting
Fax: (210) 479-5874
Toll Free: (866) 223-5845 begin_of_the_skype_highlighting (866) 223-5845 end_of_the_skype_highlighting

http://www.trustfinancial.us