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The Survival of the Richest Book Press Release

Life-changing book reveals some of the most important conclusions in science

Dr. Anthony M. Criniti IV extracts significant findings from newly discovered connections between biology, economics, finance, and survivalism in “The Survival of the Richest”

PHILADELPHIA – In “The Necessity of Finance,” Dr. Anthony M. Criniti IV taught that learning the science of finance is necessary for individuals, groups, and organizations to survive. Survival’s role was clearly mentioned there, but a major question was left unanswered: What is more important than learning how to survive? Over the years, he realized that if he truly wanted to better understand the necessity of economics and finance, then first he must thoroughly understand the necessity of survivalism. With unprecedented determination, Dr. Criniti sets out in “The Survival of the Richest” (ISBN 098845954X) to argue that wealth has always been the true link between survival and prosperity.

Dr. Criniti began his quest to find the answer to a simple question, but was forced to detour through various related subjects, such as biology, genocide, and the martial sciences. His difficult journey led him to confront some of life’s most important questions. What is life and death? What role does the struggle play in survival? Why survive? Some serious questions about the human race also needed to be addressed. What are we capable of? Who are we?

Readers will be engaged in the most comprehensive overview of the science of survival and will find explanations for this book’s disturbing scientific conclusions. Some examples of these conclusions include, but are not limited to, that the goals of economics and finance are interrelated with the survival goals of economic and financial entities; that finance is the precursor to economics; that being wealthier increases your probability of continuously surviving and prospering by providing you the greatest options to obtaining survival essentials; that wealthier entities have the option to help other economic or financial entities (including nonhuman ones) survive and prosper, particularly through the concepts of the survival and the prosperity by a third party; that the management of money, and the technology that it can buy, is an advanced, necessary stage in the process of evolution—that is, the evolution of evolution; that the survival of the richest is a more accurate concept than the survival of the fittest; and that all humanity should have the united goal of maximizing our wealth for our survival on this planet and beyond.

“It is important to remember though that just like individuals, groups, and nations, in general, if the inhabitants of a wealthy planet like Earth decide not to continue to maximize wealth, then they automatically, by default, choose to increase Earth’s chances of moving in the direction of the edge of survival, and ultimately, closer to death,” says Dr. Criniti. “As demonstrated earlier, more wealth provides more options for the wealthiest entities to survive better; it does not necessarily mean that those entities will choose the best options. If life on our planet is to continue to prosper, then we must exercise our options for better survival and do it together!”

The Survival of the Richest” is available for sale online at Amazon.com and other channels.

About the Author:

Dr. Anthony M. Criniti IV is a former financial consultant and a current professor of finance at several universities. He earned a PhD in applied management and decision sciences with a concentration in finance. He also holds several prominent designations from The American College. A native of Philadelphia, Dr. Criniti is an active investor, an explorer, a financialist, a survivalist, and has traveled the world studying various aspects of finance. He is also the author of two acclaimed finance books: The Necessity of Finance and The Most Important Lessons in Economics and Finance. Finally, Dr. Criniti has just released his new book, The Survival of the Richest.

MEDIA CONTACT:

Dr. Anthony M. Criniti IV

E-mail:             info@learn-about-finance.com

Web:                https://learn-about-finance.com/

REVIEW COPIES AND INTERVIEWS MAY BE AVAILABLE UPON REQUEST

 

Categories
Books Business Education Finance Financial News Investing MBA Money Personal Finance Wealth

The Most Important Lessons in Economics and Finance Book Press Release

Experienced financial professional shares reader-friendly guide to economics, finance

 In “The Most Important Lessons in Economics and Finance,” Dr. Anthony M. Criniti IV uncovers the time-tested secrets of wealth management

PHILADELPHIA – In “The Necessity of Finance” he laid a foundation, introducing readers to the characteristics of the economic and financial worlds. Now, after multiple requests, Dr. Anthony M. Criniti IV is back with a follow-up book, “The Most Important Lessons in Economics and Finance” (ISBN 0988459523), uncovering the most significant truths of these two important sciences.

Dr. Criniti knows that reading these principles alone is not enough to master them; after many years of experience in the financial field, he knows that you must incorporate the lessons into your life while making the decision to take control of your own wealth—a process that can take a long time. But this helpful guide provides the best place to start, particularly for advanced level students and professionals who have already read “The Necessity of Finance.”

Through incorporating and summarizing the teachings of some of history’s top contributors to these two sciences, Dr. Criniti draws upon a wealth of experience to pass these lessons on to the next generation of practitioners in the worlds of economics and finance.

“I give these lessons to you from the bottom of my heart, with the best intentions, to reveal the secrets of two of the most important sciences….Mastery may take decades, but choosing not to try to master your own wealth can result in harsh consequences, as noted in my previous work,” says author Dr. Criniti.

The Most Important Lessons in Economics and Finance” is available for sale online at Amazon.com and other channels.

About the Author:

DR. ANTHONY M. CRINITI IV is a former financial consultant and a current professor of finance at several universities. He earned a PhD in applied management and decision sciences, with a concentration in finance. A native of Philadelphia, he has also received many financially related designations, including CHFC, CLU, REBC, and RHU. Dr. Criniti is an active investor and has traveled the world studying various aspects of finance. He is also the author of the acclaimed finance book, The Necessity of Finance. Finally, Dr. Criniti has just released his new book, The Most Important Lessons in Economics and Finance.

MEDIA CONTACT:

Dr. Anthony M. Criniti IV

E-mail               info@learn-about-finance.com

Web:                http://learn-about-finance.com/

REVIEW COPIES AND INTERVIEWS MAY BE AVAILABLE UPON REQUEST

Categories
Assets Investing Market Money

Top CD Rate Issuers Reported

CD Rates Pause As 10-year Treasury Note Yield Retreats From 2013 Highs

TheStreet and RateWatch Report Top CD Rate Issuers

NEW YORK, July 23, 2013, RateWatch, a premier banking data and analytics service owned by TheStreet, Inc. (NASDAQ: TST) reported today national averages generally remained unchanged at record-low levels.

Movements in CD rates have paused as the 10-year Treasury Note yield has slightly retreated from 2013 highs and after Federal Reserve Chairman Ben Bernanke offered no major surprises in his testimonies to Congress.

“With banks showing little appetite to shift CD rates in the near term, and a typically slow August approaching, the next month could remain quiet for savers seeking an increase in CD rates,” reported Joe Deaux, TheStreet’s Economist.

NATIONAL AVERAGE RESULTS – $10K

This week Last week
Money Market 0.11 0.11
1 month CD 0.06 0.06
3 month CD 0.09 0.09
6 month CD 0.15 0.15
1 year CD 0.23 0.23
2 year CD 0.37 0.37
3 year CD 0.50 0.50
4 year CD 0.62 0.62
5 year CD 0.81 0.81

TOP RATE ISSUERS – $10K
This is a list of issuers with top interest rates. The issuer’s Financial Strength Rating is an independent, unbiased evaluation of quarterly regulatory statements. Institutions are assigned a letter grade of A-E with “A” representing the highest rating based on a review of many aspects of financial safety including capitalization, asset quality, profitability and liquidity. For more information, visit www.weissratings.com/help/what-our-ratings-mean.aspx.  Information is believed to be accurate, but not guaranteed.

Money Market Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
First NBC Bank B- 10000 1.260
504-671-3550
www.firstnbcbank.com
Doral Bank D- 5000 0.940
212-584-6820
www.doralbankny.com
Sallie Mae Bank A- 1 0.900
801-281-1423
www.salliemaebank.com
Mercantil Commercebank, National Association C 10000 0.900
305-460-8701
www.mercantilcb.com
Ally Bank B+ 1 0.840
877-247-2559
www.ally.com
1 Month CD Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
Carter Bank & Trust C+ 2500 0.500
276-632-2901
www.carterbankandtrust.com
Beal Bank USA B- 1000 0.400
702-598-3500
www.bealbank.com
Umbrellabank.com C 1000 0.400
866-862-7355
www.umbrellabank.com
Beal Bank, SSB C 1000 0.400
469-467-5000
www.bealbank.com
Merchants Bank of Indiana A- 1 0.350
317-805-4300
www.merchantsbankofindiana.com
3 Month CD Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
Beal Bank USA B- 1000 0.510
702-598-3500
www.bealbank.com
Umbrellabank.com C 1000 0.510
866-862-7355
www.umbrellabank.com
Institution for Savings In Newburyport B 1 0.500
978-462-3106
www.institutionforsavings.com
Doral Bank D- 500 0.500
850-914-2525
www.doralbankflorida.com
FirstBank Florida D+ 1000 0.500
305-740-9522
www.firstbankfla.com
6 Month CD Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
Doral Bank D- 500 1.000
212-584-6820
www.doralbankny.com
CapitalSource Bank B+ 10000 0.800
888-433-4272
www.capitalsourcebank.com
Beal Bank USA B- 1000 0.750
702-598-3500
www.bealbank.com
Discover Bank C+ 2500 0.650
888-765-6654
www.discoverbank.com
VirtualBank B- 10000 0.650
561-776-8860
www.virtualbank.com
1 Year CD Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
Doral Bank D- 500 1.200
212-584-6820
www.doralbankny.com
Beal Bank USA B- 1000 1.110
786-347-3601
www.bealbank.com
CapitalSource Bank B+ 10000 1.010
888-433-4272
www.capitalsourcebank.com
Nationwide Bank B+ 10000 0.960
614-249-6226
www.nationwide.com
Ally Bank B+ 1 0.940
877-247-2559
www.ally.com
2 Year CD Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
Doral Bank D- 500 1.450
212-584-6820
www.doralbankny.com
Emigrant Bank C+ 1000 1.150
212-850-4521
www.emigrant.com
First Republic Bank B+ 5000 1.150
415-392-1400
www.firstrepublic.com
CapitalSource Bank B+ 10000 1.150
888-433-4272
www.capitalsourcebank.com
Nationwide Bank B+ 10000 1.150
614-249-6226
www.nationwide.com
3 Year CD Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
First NBC Bank B- 10000 1.820
504-671-3550
www.firstnbcbank.com
Doral Bank D- 500 1.600
212-584-6820
www.doralbankny.com
Boiling Springs Savings Bank C 1000 1.500
201-939-6600
www.bssbank.com
Community Bank C+ 1000 1.400
800-239-9427
www.dodcommunitybank.com
Emigrant Bank C+ 1000 1.400
212-850-4521
www.emigrant.com
4 Year CD Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
Institution for Savings In Newburyport B 1 2.000
978-462-3106
www.institutionforsavings.com
Boiling Springs Savings Bank C 1000 1.750
201-939-6600
www.bssbank.com
Doral Bank D- 500 1.650
212-584-6820
www.doralbankny.com
Emigrant Bank C+ 1000 1.650
212-850-4521
www.emigrant.com
Intervest National Bank C 2500 1.600
212-218-8383
www.intervestnatbank.com
5 Year CD Financial Strength Rating Minimum to Earn Interest
($)
APY
(%)
Institution for Savings In Newburyport B 1 2.000
978-462-3106
www.institutionforsavings.com
Hingham Institution for Savings B 500 2.000
781-749-2200
www.hinghamsavings.com
Boiling Springs Savings Bank C 1000 2.000
201-939-6600
www.bssbank.com
First Republic Bank B+ 5000 2.000
415-392-1400
www.firstrepublic.com
First NBC Bank B- 10000 1.970
504-671-3550
www.firstnbcbank.com

Financial Strength Rating: A=Excellent, B=Good, C=Fair, D=Weak, E=Very Weak
Plus sign “+” = top of range, Minus sign “-” = bottom of range

Data is surveyed weekly with averages calculated each Monday afternoon from RateWatch’s unbiased national interest rate survey of over 96,000 financial institution locations across the United States.

About RateWatchFor over 20 years, RateWatch has been the premier provider of competitive interest rate and product information to financial institutions across the United States.  Consistently providing top quality, highly relevant data RateWatch maintains the largest database in the industry with deposit, loan, and fee information monitoring over 96,000 locations. Rate surveys, product comparisons, financial strength reporting, local/regional/national averages, fee reporting, specialty reports and more are available.  To learn more about RateWatch, visit www.rate-watch.com.  RateWatch is a division of TheStreet, Inc.

About TheStreet
TheStreet, Inc. (www.t.st) is the leading independent digital financial media company providing business and financial news, investing ideas and analysis to personal and institutional investors worldwide.  The Company’s portfolio of business and personal finance brands includes: TheStreet, RealMoney, RealMoney Pro, Stockpickr, Action Alerts PLUS, Options Profits, MainStreet and RateWatch. To learn more, visit www.thestreet.com.  The Deal, the Company’s institutional business, provides intraday coverage of mergers and acquisitions and all other changes in corporate control.  To learn more, visit www.thedeal.com.

Contact:

Emily Schneider
TheStreet, Inc.
212-321-5521
emily.schneider@thestreet.com

Joe Deaux
TheStreet, Inc.
212-321-5086
joseph.deaux@thestreet.com

SOURCE:

TheStreet, Inc.
http://www.thestreet.com

Categories
Assets Credit Economics Finance Money Personal Finance Savings Wealth

Just Over Half of Americans Have More Emergency Savings Than Credit Card Debt

Just Over Half of Americans Have More Emergency Savings Than Credit Card Debt

NEW YORK, Feb. 25, 2013, Only 55% of Americans have more emergency savings than credit card debt, according to research published today by Bankrate.com (NYSE: RATE). Last year, Bankrate found that 54% of Americans had more emergency savings than credit card debt; the figure was 52% in 2011.

“Consumers may be deleveraging, but the proportion of people with more emergency savings than credit card debt hasn’t changed much,” said Greg McBride , CFA, Bankrate.com’s senior financial analyst. “Given the poll’s 3.5% margin of error, one can make the argument that consumers haven’t moved the needle at all over the past 24 months.”

Bankrate also announced that its Financial Security Index dropped from 98.6 in January to 96.8 in February, surrendering most of the improvement that took place from December to January. A reading of 100 means consumers’ feelings of financial security are unchanged from one year ago; the index has been below 100 – indicative of deteriorating financial security – in 25 of the 27 months since its inception.

Thanks to rebounding home prices and the buoyant stock market, net worth was the only component to improve from January to February. Job security, savings, debt and overall financial situation all declined. When consumers were asked whether they are feeling better, worse or about the same now versus one year ago, net worth was also the only component to register in positive territory. Among the highest-income households (income of $75,000 per year or more), all five components declined over the past month.

The survey was conducted by Princeton Survey Research Associates International (PSRAI) and can be seen in its entirety here:

http://www.bankrate.com/finance/consumer-index/financial-security-charts-0213.aspx

PSRAI obtained telephone interviews with a nationally representative sample of 1,004 adults living in the continental United States. Interviews were conducted by landline (500) and cell phone (504, including 254 without a landline phone) in English by Princeton Data Source from February 7-10, 2013. Statistical results are weighted to correct known demographic discrepancies. The margin of sampling error for the complete set of weighted data is plus or minus 3.5 percentage points.

About Bankrate, Inc.

Bankrate is a leading publisher, aggregator, and distributor of personal finance content on the Internet. Bankrate provides consumers with proprietary, fully researched, comprehensive, independent and objective personal finance editorial content across multiple vertical categories including mortgages, deposits, insurance, credit cards, and other categories, such as retirement, automobile loans, and taxes. The Bankrate network includes Bankrate.com, our flagship website, and other owned and operated personal finance websites, including CreditCards.com, Interest.com, Bankaholic.com, Mortgage-calc.com, CreditCardGuide.com, Nationwide Card Services, InsuranceQuotes.com, CarInsuranceQuotes.com, InsureMe, Bankrate.com.cn, CreditCards.ca, NetQuote.com, and CD.com. Bankrate aggregates rate information from over 4,800 institutions on more than 300 financial products. With coverage of nearly 600 local markets in all 50 U.S. states, Bankrate generates over 172,000 distinct rate tables capturing on average over three million pieces of information daily. Bankrate develops and provides web services to over 80 co-branded websites with online partners, including some of the most trusted and frequently visited personal finance sites on the Internet such as Yahoo!, AOL, CNBC, and Bloomberg. In addition, Bankrate licenses editorial content to over 500 newspapers on a daily basis including The Wall Street Journal, USA Today, The New York Times, The Los Angeles Times, and The Boston Globe.

For more information:

Ted Rossman
Public Relations Manager
Bankrate, Inc.
ted.rossman@bankrate.com
(917) 368-8635

SOURCE:

Bankrate, Inc.
http://www.bankrate.com