Stu chats on WNBP with Zach Field of ZFDS and the Musical Suite in Newburyport

I really enjoyed my chat with Win Damon and Zach of the Zach Field Drum Studio and the Musical Suite. If you are in Newburyport and want to take drumming lessons or any musical instrument for that matter, local entrepreneur Zach Field is your guy.    My first question to Zach:  How do you balance being a dad and a businessman here in town?  He is so busy with his many endeavors.  Zach is a drum teacher, business owner, and he is very active touring with many different music groups including the Molenes, Live dead, and his own Plum Island Pans. One of my favorites is when he plays his gongs during yoga class on Friday mornings here in town. Experiencing Yoga with live gongs is truly an amazing experience.

The drum studio can be found at http://www.zachfielddrumstudios.com/ and the musical suite at http://www.themusicalsuite.com/ . Reach out anytime and one of Zach’s quality staff will take care of you.  Personally, I didn’t start my drum lessons until I was 49 years old!  It is never too late.  For me, 20 minutes on the drums after a tough day at work is a great way to unwind and change the equilibrium of my mind and body.  Of course I need to use the electronic kit often so I do not disturb the entire family with my drumming!

Please click below to hear our chat with Win Damon on WNBP FM Radio 106.1 and always live on the web at WNBP.com.

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About Stu: With more than 25 years of experience as a credentialed tax professional, Stu Steinberg brings a broad depth of knowledge to his work. Stu founded Erock Tax to help provide tax strategies to individuals, families and small businesses. He uses his CPA expertise to help each client navigate the many facets of their yearly tax planning.  Stu is passionate about empowering his clients through education about their tax health. He is highly energetic and brings a sense of optimism, creative problem-solving and a deep level of commitment to every Erock client.

Stu chats on WNBP with Jeremy of Grand trunk Imports in Newburyport

Every time I walk into the Grand Trunk Imports on Pleasant Street in Newburyport I learn something from owner and manager Jeremy Kirkpatrick.  He is passionate about what he sells and it certainly shows.  Great every day wines and cheese, craft beers, and gifts for the kitchen fill the light and airy store.

It is great having Jeremy on my weekly FM 106.1 WNBP chats with morning guy Win Damon.  I love hearing stories from Jeremy about how he and his family personally travel to Spain, France, and other parts of Europe to the vineyards to see the production of the wines they will eventually sell to their customers here in Newburyport.  Jeremy also has to personally taste every craft beer and wine to make sure it meets his high standards!  It is a tough job but someone has to do it.

Please click below to hear our chat with Win Damon on WNBP FM Radio 106.1 and always live on the web at WNBP.com.

Like what you have read? Please share with friends.

About Stu: With more than 25 years of experience as a credentialed tax professional, Stu Steinberg brings a broad depth of knowledge to his work. Stu founded Erock Tax to help provide tax strategies to individuals, families and small businesses. He uses his CPA expertise to help each client navigate the many facets of their yearly tax planning.  Stu is passionate about empowering his clients through education about their tax health. He is highly energetic and brings a sense of optimism, creative problem-solving and a deep level of commitment to every Erock client.

Stu and Win Damon chat with Tom Mcgee of Klone Lab Inc on WNBP.com FM 106.1 Newburyport

I enjoy working with and learning from entrepreneurs in all stages of the business life cycle and Tom McGee (on the left in photo) of Klone Lab Inc (www.klonelab.com) fits the bill perfectly.  He is looking to move his 20 person international design firm to Newburyport in an abandoned building on the waterfront next to the water treatment facility.

Currently this building is not being used and would be great for the economy of Newburyport.  20 or more workers will be working downtown and the firm would be able to attract talent from the Boston area who would take the train and the rail trail to the work place.

It is ideas like this that stem from the mind of entrepreneurs that contributes so much to why I love my job.  Some businesses are barely seeds in a persons mind, and I love to help germinate those seeds to help manifest the business idea.  In this case, Klone Lab is a going concern it is really about locating the business in Newburyport in a city where Tom is raising his family.

I certainly hope the mayor and others involved including David Hall who designed the Tannery (among other spaces) in Newburyport can come together and make this abandoned space workable soon.  All of us here in the great city of Newburyport benefit when the economy improves.

Listen below to our chat with “Morning Guy” Win Damon on WNBP FM 1061.1 and streaming on the web at WNBP.com.

 

Like what you have read? Please share with friends.

About Stu: With more than 25 years of experience as a credentialed tax professional, Stu Steinberg brings a broad depth of knowledge to his work. Stu founded Erock Tax to help provide tax strategies to individuals, families and small businesses. He uses his CPA expertise to help each client navigate their long-term debt and mortgage, gaining them the best deals and rates possible. Stu is passionate about empowering his clients through education about their tax health. He is highly energetic and brings a sense of optimism, creative problem-solving and a deep level of commitment to every Erock client.

10 Tips for Stronger Identity Theft Protection

iStock_000043931448_FullIdentity theft is the number one consumer complaint in the country, making it a serious and growing problem. From fraudulent credit card use to misuse of bank accounts to big data breaches, identity thieves use increasingly sophisticated methods to hack and steal personal, sensitive financial data.

More than 34 million Americans experienced identity theft in 2013 alone — that’s about 14 percent of the population — and the financial losses from this crime total more than $24.7 billion each year… almost twice as much as losses from reported burglaries, car theft, and other cases of property theft combined.

Fortunately, there are ways to protect yourself. Don’t become one of the millions of victims of identity theft: These 10 tips will help you achieve stronger identity theft protection.

  • Monitor your credit report. You’re legally entitled to one free credit report per year from each of the bureaus: TransUnion, Experian, and Equifax. Request your report directly from a different bureau once every four months.
  • Keep an eye on your bank and credit card statements. Look for purchases you didn’t make and call your financial institution immediately if you notice anything strange.
  • Shred all documents that contain your personal info. Don’t just throw bills, statements, or even junk mail into the trash or recycle bin; thieves can use anything with your personal details on it to create a false identity.
  • Don’t share personal information on social media or networking sites. Keep your security and privacy settings on “high” and don’t post information that could help thieves assume your identity, like your exact date of birth or your mother’s maiden name.
  • Change your online passwords each month. This makes it harder for would-be hackers to steal your personal data.
  • Use smart passwords. Avoid obvious passwords, like your child’s name, your birthday, or (need we say it) “password.” Instead, use a combination of capital and lowercase letters, numbers, and symbols that would be difficult for hackers to guess; random combinations are better than words from the dictionary. Clear your history, cookies, and saved passwords—especially if you work on a public or shared computer—and never save your passwords on financial sites.
  • Don’t make online financial transactions on an unsecured WiFi connection. Wait to complete any financial transactions, including simply logging in to online accounts, until you’re on a secure network.
  • Use your credit card to shop online. Credit cards tend to offer more protection against fraudulent purchases than do debit cards or online payment systems.
  • Watch out for phishing scams. Be aware of emails or popups that look like they’re coming from your bank; before you enter any personal data, be sure to verify that a website is legit.
  • Secure your mail. Invest in a P.O. box or a locking mailbox to keep thieves from stealing personal data in your incoming or outgoing mail.

Finally, if you suspect your data has been compromised, you can request that a fraud alert or a credit freeze be placed on your accounts. Though these aren’t always convenient, as you have to verify your identity before being issued credit, they may protect you from criminal activity.

Sources

http://www.bjs.gov/content/pub/press/vit12pr.cfm, http://www.dailyfinance.com/2013/12/31/scariest -identity-theft-
statistics/, https://www.ncjrs.gov/spotlight/identity_theft/facts.html, http://washington.cbslocal.com/2 014/07/01/report-10-million-identity-theft-cases-most-common-consumer-complaint-in-

us/, http://www.consumer.ftc.gov/articles/0271-signs-identity-
theft, http://www.bankrate.com/finance/personal-finance/7-ways-protect-yourself-id- theft.aspx#slide=1, http://guides.wsj.com/personal-finance/credit/how-to-protect-yourself-from- identity-theft/

Like what you have read? Please share with friends.

About Stu: With more than 25 years of experience as a credentialed tax professional, Stu Steinberg brings a broad depth of knowledge to his work. Stu founded Erock Tax to help provide tax strategies to individuals, families and small businesses. He uses his CPA expertise to help each client navigate their long-term debt and mortgage, gaining them the best deals and rates possible. Stu is passionate about empowering his clients through education about their tax health. He is highly energetic and brings a sense of optimism, creative problem-solving and a deep level of commitment to every Erock client.

Stu and Win Damon chat with Rabbi Ben Resnick on WNBP

I was very excited to have Rabbi Ben Resnick in the WNBP studio for one of my Tuesday am chats with host Win Damon.  Rabbi Ben is new to the area and takes over at Temple Ahavas Achim, a warm and vibrant community in the Newburyport Area.

We touched on a few topics including the transition from New York City to “sleepy” Newburyport.  Also what is it like to be a Rabbi and what does it mean to have the responsibility that comes along with it.

Please visit http://www.caa-newburyport.org for more information on the Ahavas Achim community and tune in below to hear our chat.  Thanks so much.

About Stu: With more than 25 years of experience as a credentialed tax professional, Stu Steinberg brings a broad depth of knowledge to his work. Stu founded Erock Tax to help provide tax strategies to individuals, families and small businesses. He uses his CPA expertise to help each client navigate their long-term debt and mortgage, gaining them the best deals and rates possible. Stu is passionate about empowering his clients through education about their tax health. He is highly energetic and brings a sense of optimism, creative problem-solving and a deep level of commitment to every Erock client.

Newburyport by the numbers and Yankee Homecoming 2016

What a great week this is in the seaport city of Newburyport, MA.  It is the week of Yankee Homecoming, with art, music, and events all day for a week.  There is a road race, kayak races, slow bike races, vendors and food trucks all day every day.   There are so many activities for people of all ages.

Check out http://yankeehomecoming.com for all the key events and times.

Please support our great restaurants and shops in town.  Spend the day on the beautiful Plum Island Beaches and in town at night at one of our great restaurants.  It is always great to shop and eat local when we can.

On Tuesday I spoke with morning guy Win Damon on FM Radio 106.1 “The Legends” about our fair city and some of its key data.  The economy has gown in town over the last 15 years, as has the median price for homes and average salary.

We hope to see you soon in our great city!  Give a listen below to our chat.

About Stu: With more than 25 years of experience as a credentialed tax professional, Stu Steinberg brings a broad depth of knowledge to his work. Stu founded Erock Tax to help provide tax strategies to individuals, families and small businesses. He uses his CPA expertise to help each client navigate their long-term debt and mortgage, gaining them the best deals and rates possible. Stu is passionate about empowering his clients through education about their tax health. He is highly energetic and brings a sense of optimism, creative problem-solving and a deep level of commitment to every Erock client.

 

Fun Money Game Show Trivia on WNBP Radio with Win and Pete!

I have always enjoyed my weekly chats with Win Damon on WNBP every Tuesday morning at 8:35.  We certainly talk about so many challenging money topics.  It is good to change it up every once and a while and have some extra fun.  So I recently brought in Manager Pete Falconi and we played a little “money” trivia.  I mean ACTUAL money.  Like how old is money and how much does it cost to print etc.  Who knew that paper money is actually not made of paper, but 75% cotton and 25% linen with synthetic fibers woven throughout the bill!

Tune in below and listen too our chat.  We really do have fun talking about money each week and hope you enjoy our weekly chats!  Please reach out if you ever have any questions!

About Stu: With more than 25 years of experience as a credentialed tax professional, Stu Steinberg brings a broad depth of knowledge to his work. Stu founded Erock Tax to help provide tax strategies to individuals, families and small businesses. He uses his CPA expertise to help each client navigate their long-term debt and mortgage, gaining them the best deals and rates possible. Stu is passionate about empowering his clients through education about their tax health. He is highly energetic and brings a sense of optimism, creative problem-solving and a deep level of commitment to every Erock client.

Stu chats Home Buying with Mortgage Banker Bob Pezzella

A few times a year I love to bring Mortgage Banker Bob Pezzella on the radio with me in my trusty Tuesday am slot with morning guy Win Damon.  Talking about buying a home is stressful, and the rules put in place to help the consumer have actually made the process harder, more costly, and its taking longer to complete deals.

In other words, it PAYS to be proactive when even THINKING about buying or refinancing.  Get all your ducks in a row and you won’t be let down if you find your dream house and you just are not ready to buy it.

Listen to our chat below on WNBP FM Radio 106.1 In Newburyport, MA.  Streaming live at WNBP.com.

About Stu: With more than 25 years of experience as a credentialed tax professional, Stu Steinberg brings a broad depth of knowledge to his work. Stu founded Erock Tax to help provide tax strategies to individuals, families and small businesses. He uses his CPA expertise to help each client navigate their long-term debt and mortgage, gaining them the best deals and rates possible. Stu is passionate about empowering his clients through education about their tax health. He is highly energetic and brings a sense of optimism, creative problem-solving and a deep level of commitment to every Erock client.

 

RVCS Kids Visit Radio WNBP in Newburyport with their Summer Tips!

On a beautiful spring day the 1st, 2nd, and 3rd grade kids from Karen and Katie’s E1 class at the River Valley Charter School walked to radio station WNBP (FM 106.1) here in town.  The kids got a tour from General Manager Pete Falconi and they even got to record their favorite summer tips for the audience to hear.

Listen below to hear the great tips for the summer.  The kids really enjoyed their time at the station, which broadcasts live from the beautiful seaside City of Newburyport and always streams live on the web at WNBP.com .

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Stu chats mortgages on Radio WNBP with Bob Pezzella

iStock_000062644558_FullI recently spoke with local mortgage banker Bob Pezzella about the real estate market here in the beautiful seaside city of Newburyport.  Bob has been at his craft for close to 20 years helping families navigate the mortgage world and helping them buy and refinance homes. It is always great to have someone on your professional team who fully understands the ins and outs of the mortgage world and who genuinely cares about you and your family.

Rates are still at historic lows and now may be a great time to check in to see if a deal can benefit you.  We can help you analyze your current debt structure and see if a new mortgage will work. Or maybe you are considering selling your home and moving into a new home.  Either way it pays to be proactive and get all the information you need before making such a big decision.

Listen below to our chat on FM 106.1 WNBP Newburyport and streaming live on WNBP.com. We talk about the new mortgage disclosures that are required and how it is more important than ever to get pre-approved for any mortgage you may want.

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