Banking, Financial Services and Insurance

Ask SCORE

          My brother-in-law has approached me about going into business with him in a home cleaning franchise. I’ve always heard one should never go into business with relatives. Is that true? 

About the Author

          This column is brought to you by the Merrimack Valley Chapter of SCORE, with nearly 70 current and former business executives available to provide free, confidential, one-on-one business mentoring and training workshops for area businesses. Call 603-666-7561 or visit merrimackvalley.score.org for information on mentoring, upcoming workshops and volunteer opportunities. SCORE is a national, non-profit organization and a resource partner of the U. S. Small Business Administration. 

Richard Auslander

Richard Auslander

Current City: Waccabuc, NY

Money Manager/Financial Analyst for 50+ years in Wall St. Institutional cliental. Adjunct Professor of Finance at Pace University Graduate School for 26 years. Tought Finance; Microeconomics; Macroeconomics; Accounting; Financial Planning.

Resume

Education

Wharton School of the University of Pennsylvania; George Washington University; NYU School of Law.

Susan Doll

Susan Doll

Current City: Spokane, WA
Chapter: SCORE Spokane

Resume

Education

Bachelor’s Degree in Accounting, 1999. University of South Florida, Saint Petersburg, Florida

Moody’s Credit training

RMA Financial Statement Analysis

Certified in Excel, Word, Outlook and QuickBooks Pro

Nilgun Foley

Nilgun Foley

Nilgun Foley

Current City: Norwalk, CT

I want to share my practical experience and help people accelerate the development of their businesses. Raised in Istanbul, Turkey and college educated in the U.S., I lived and worked in Istanbul, Boston, Frankfurt, and London prior to returning to the States with my family. My professional training is in banking and finance. I held business origination, relationship management, and financial planning positions in multinational companies, medium sized businesses, and also worked independently as a consultant. In 2013, I founded my professional organizing business as a solopreneur. I enjoy meeting people from different walks of life and finding common ground.

Resume

Education

BA in Economics, Skidmore College, Saratoga Springs, NY 1983 - Phi Beta Kappa

Michael Ravens

Michael Ravens

Current City: New Port Richey, FL

MICHAEL RAVENS            11436 Hidden Cove Ct. Trinity, Fl. 34655

                                                                                                         Phone; (240) 888-4767

                                                                                                         E-mail:Ravenger.ent@gmail.com

 

Executive with extensive experience in all phases of Program Management (Process Improvement, Plans and Procedures). Proposal preparation and reviews.

Government Contracting.

Earned Value Management expert.

Certified Program Management Professional.

 

 

Senior Business Operations Manager- Managed financial operations for National Archives $200M+ operation

 Instructor/Consultant in Program, Finance, Sub-contracts, business, and Risk/opportunity management for Center for Performance Excellence. Developed advanced Risk Opportunity Management class. Prepared detailed corporate procedure for designing a Work Breakdown Structure.

 Senior Program/ Operations Manager of all Sub-contract and financial operations activities for $350M program for MTA security transit system.

Deputy Program Manager/Manager of Subcontracts for $0.5B Communications and Satellite program for FAA (GCCS). Including design, development and deployment of two satellites communicating with ground stations for FAA customer.

Manager of Weather Programs

Supervising several Program Managers as Lead Capture Manager for international programs (i.e. Brazil, Romania, Venezuela, China, India, and Korea). Business Manager of Chinese Joint Venture Company producing weather radars.

 Program Manager-NEXRAD Weather Radar Systems ($744M)-Successfully managed on time deployment of 4 systems per month.Increased profits $17M by creatively negotiating resolution of claims, with customer and sub-contractors. Increased profits by $20M by training and developing construction personnel to install and assemble towers, radomes, antennas, and ancillary electronics. Joint Services customer (DOD, FAA, NWS).

Deputy Program Manager-LANTIRN Automated Test Stations ($100M). Consolidated and managed Program Control, manufacturing, ILS, and Sub-contracts realizing a $3M improvement in profit margin. Increased profits by $4M by developing low cost manufacturing facility. DOD customer.

Business Operations Manager-Test Systems Division ($300M)- Controllership position managing all financial reporting and operations. Improved cash flow, by developing 100% cash flow model and negotiating change.

Resume

Education

<p>
B.B.A. Business Management</p>

<p>
M.B.A Accounting</p>

Lee Gessner

Lee Gessner

Current City: Charleston, SC

Current

CIty of Folly Beach - Director of Finance

BookKeeping Express - Greater Charleston Area Franchise Owner

US Army Reserve - Major, Chief of Internal Review 81st Regional Support Command

 

Past

Kapstone Paper & Packaging - Financial Analyst

KPMG - Auditor

Arthur Andersen - Auditor

 

Resume

Education

<p>
The Citadel - Bachelor of Science Business Administration (Accounting Focus)</p>

<p>
Middle Tennessee State University - Masters of Business Administration</p>

<p>
Certified Public Accountant - South Carolina License #8279</p>

Chris Smeltzer

Chris Smeltzer

Current City: Reno, NV

Financial Advisor, Morgan Stanley 2009-2011

Financial Advisor, Waddell and Reed 2011-2014

Financial Advisor, Ameriprise 2014-Present

Resume

Education

I have multiple degrees in Music Performance and Musicology.

Mike Byrnes

Mike Byrnes

Current City: North Richland Hills, TX
Chapter: Fort Worth SCORE

I help entrepreneurs and business owners to

- identify goals

- establish priorities and actions

- locate necessary tools

- create structure and accountability

- interpret results

- consider alternatives

- obtain financial resources

 

2005 - 2013 New Mexico Small Business Development network

During 8 years working with small businesses in a small Southeast New Mexico resort community, I mentored:

- hundreds of entrepreneurs in the pre-venture stage,

- almost as many existing small businesses needing help with financial or operational issues,

- and more than a dozen businesses working through ownership transitions.

 

September 2011 - June 2013 New Mexico State University

  • Finance Instructor

September 2004 - June 2011 Eastern New Mexico University

  • Finance Instructor

 

1979 – 2001 Banker and entrepreneur Austin, TX

  • Commercial banker for several banks during the years when the banking roulette wheel spun from energy to real estate to technology.

  • Started one of the first internet service providers in Austin in 1994. Sold it to a telecom company in 1996. Was a founding member of a startup that provided turnkey, internet-over-cable systems for independent cable operators and took the company public in 2000.

  • Learned the hard facts about irrational exuberance during the dot com boom and bust, but managed to maintain perspective and apply those lessons to an encore career as a business advisor.

1972 – 1979 Bankers Trust Co Wall Street

  • International banker and bond trader.

 

 

Volunteer work

 

2008 – 2013 Treasurer of the Resource Conservation and Development Council

 

2009 – 2014  Advisory Council Member of the NM Small Business Assistance Program

2013 – 2014 Finance Committee member Alto Lakes Golf and Country Club


 

 

Resume

Ask SCORE

          All the recent news stories about large companies having their data breached makes me wonder: What can a small business do to protect information stored in the cloud? 

About the Author

          This column is brought to you by the Merrimack Valley Chapter of SCORE, with nearly 70 current and former business executives available to provide free, confidential, one-on-one business mentoring and training workshops for area businesses. Call 603-666-7561 or visit merrimackvalley.score.org for information on mentoring, upcoming workshops and volunteer opportunities. SCORE is a national, non-profit organization and a resource partner of the U. S. Small Business Administration. 

Mike Limbach

Mike Limbach

Current City: Woodland Park, CO

Resume

Education

<h4 class="summary fn org" style="margin: 0px 0px 4px; padding: 0px; border: 0px; outline: 0px; font-size: 16px; font-family: Helvetica, Arial, sans-serif; vertical-align: middle; font-stretch: inherit; line-height: 18px; display: inline; zoom: 1; background-color: rgb(255, 255, 255);">
<a href="https://www.linkedin.com/edu/school?id=19691&amp;trk=prof-edu-school-name" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-style: inherit; font-family: inherit; vertical-align: baseline; text-decoration: none; color: rgb(0, 0, 0); font-variant: inherit; font-stretch: inherit;" title="More details for this school">University of Wisconsin-Milwaukee</a></h4>

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<span class="degree" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-weight: inherit; font-style: inherit; font-family: inherit; vertical-align: baseline; font-variant: inherit; font-stretch: inherit; line-height: inherit;">MBA,&nbsp;</span><span class="major" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-weight: inherit; font-style: inherit; font-family: inherit; vertical-align: baseline; font-variant: inherit; font-stretch: inherit; line-height: inherit;"><a href="https://www.linkedin.com/edu/fos?id=101475&amp;trk=prof-edu-field_of_study" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-style: inherit; font-family: inherit; vertical-align: baseline; text-decoration: none; color: rgb(0, 119, 181); font-variant: inherit; font-stretch: inherit; cursor: pointer;" title="Explore this field of study">Marketing</a></span></h5>

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<h4 class="summary fn org" style="margin: 0px 0px 4px; padding: 0px; border: 0px; outline: 0px; font-size: 16px; font-family: Helvetica, Arial, sans-serif; vertical-align: middle; font-stretch: inherit; line-height: 18px; display: inline; zoom: 1; background-color: rgb(255, 255, 255);">
<a href="https://www.linkedin.com/edu/school?id=19691&amp;trk=prof-edu-school-name" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-style: inherit; font-family: inherit; vertical-align: baseline; text-decoration: none; color: rgb(0, 119, 181); font-variant: inherit; font-stretch: inherit; cursor: pointer;" title="More details for this school">University of Wisconsin-Milwaukee</a></h4>

<h5 style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-weight: normal; font-size: 14px; font-family: Helvetica, Arial, sans-serif; vertical-align: baseline; font-stretch: inherit; line-height: 16px; color: rgb(67, 70, 73); background-color: rgb(255, 255, 255);">
<span class="degree" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-weight: inherit; font-style: inherit; font-family: inherit; vertical-align: baseline; font-variant: inherit; font-stretch: inherit; line-height: inherit;">BS,&nbsp;</span><span class="major" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-weight: inherit; font-style: inherit; font-family: inherit; vertical-align: baseline; font-variant: inherit; font-stretch: inherit; line-height: inherit;"><a href="https://www.linkedin.com/edu/fos?id=101479&amp;trk=prof-edu-field_of_study" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-style: inherit; font-family: inherit; vertical-align: baseline; text-decoration: none; color: rgb(67, 70, 73); font-variant: inherit; font-stretch: inherit;" title="Explore this field of study">Real Estate &amp; Urban Development</a></span></h5>
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