TSG Financial Blog

Posted by Camille Parmashwar-Smith on Mar 5th, 2018

Since this is National Consumer Protection Week, today’s article tells you what to do to avoid losing money when marketing claims prove inaccurate.

Gather pertinent information. Find the company’s return and exchange policies. Time limits for retail returns can range from seven to 90 days. Locate your receipt, contract/warranty, order number, model number and previous communication. If you don’t have a receipt but paid with a credit card, find the purchase date on your statement. For in-person returns, bring the card you used and your ID.

Choose your form of contact. Face-to-face and phone conversations make it easier to connect on a personal level and appeal to a service person’s compassion. Address them by name, relate your problem and ask, “Can you help me?” When you’re seeking a simple fix or want to create a communication trail, use email. Including words like “cancel” or “refund” may bump your email to a priority list since some systems look for such keywords.

Stay calm. Don’t expect a resolution in 60 seconds. Be patient, respectful, specific and concise. Know what you want: a replacement, a refund or other type of compensation. But wait to see what they offer before stating your goal. You can always counter, and their suggestion may be better than you expect. Document each interaction with the date, person you communicated with and what you were told. 

Escalate if needed. When you can’t settle your issue through customer service, ask to speak to a manager or write a short letter to an executive. Or check the company’s Facebook page to see if they respond to customer service matters there. If nothing else works, you can file a complaint with the Better Business Bureau. Make sure your statements are accurate and complete; once you submit your complaint, it can’t be edited. Like review sites, the BBB posts complaints online. So it’s important to remember you are legally responsible for what you say. If you want to go farther, you can complain to your state attorney general’s office or take the business to small claims court.

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

 

 

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Posted by Camille Parmashwar-Smith on Feb 28th, 2018

The TSG Financial Team, Paul Essner and Bryan Pendrick, are proud to sponsor HCP PAC Spring Fundraiser & Advocacy Day this past Monday & Tuesday in Albany, NY. We had the pleasure to meet with state legislators and HCP members such as Assembly Member, Michaelle C. Solages, the Director of Gurwin Home Care Agency, Nancy Geiger and the CFO of Family Home Care Services, Jeffrey Maynard to advocate for Home and Community Based Care.

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

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Posted by Camille Parmashwar-Smith on Feb 28th, 2018

Choose a way to celebrate small wins that doesn't involve food. Buy a new workout outfit or pair of running shoes or share your success with friends!

 

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

 

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Posted by Camille Parmashwar-Smith on Feb 27th, 2018

When investing, always define long-term goals and create a strategy to achieve them.

 

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

 

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Posted by Camille Parmashwar-Smith on Feb 26th, 2018

A nine-year bull market has produced a large number of 401(k) millionaires. Recently, financial services company Credit Suisse reported 1.1 million Americans crossed that line in 2017 alone. According to a Time article, this increase brought the total number of U.S. millionaires to 15,356,000, or approximately one in every 20 Americans. This means the U.S. has more millionaires than any other country (by far) – even though we rank 21st for median wealth, along with Austria and Greece.

 

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

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Posted by Camille Parmashwar-Smith on Feb 22nd, 2018

The TSG Financial Team, Paul Essner & Bryan Pendrick is proud to sponsor the HCP PAC Spring Fundraiser on Monday, February 26, 2018 at 5:00 p.m. to 7:00 p.m. in the Renaissance Albany Hotel and Advocacy Day on Tuesday, February 27, 2018 which will first start with a Breakfast & Public Policy Briefing at 8:00 a.m. to 9:00 a.m. and follow through with the Member Meetings at 9:30 a.m. to 4:15 p.m. in the Capitol & Legislative Office Building.  We hope to see you there!

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

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Posted by Camille Parmashwar-Smith on Feb 22nd, 2018

Last Month, CNBC reported 63 percent of firms planned to give employees bonuses for 2017. If you work for one of those companies, it is wise to come up with a thoughtful plan for the extra cash. 

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Posted by Camille Parmashwar-Smith on Feb 21st, 2018

Choosing fat-free or low fat-milk, water or diet drinks and opting for steamed, broiled or grilled dishes with dressing or sauce on the side can help you stay on the right track and eliminate food temptations. 

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

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Posted by Camille Parmashwar-Smith on Feb 20th, 2018

If you begin saving $200 a month for your newborn at a 6 percent annual rate of return, you will have more than $76,000 saved for college by the time your child turns 18.

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

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Posted by Camille Parmashwar-Smith on Feb 16th, 2018

TSG Financial is a proud sponsor of Legislative Day! The TSG Financial Team was present in Hartford, CT this past Wednesday, February 14, 2018 at the CT Association For HealthCare at Home Legislative Breakfast & Day to discuss and address key issues surrounding the healthcare industry. 

Securities offered through Securities America, Inc. Member FINRA (www.finra.org)/SIPC (www.sipc.org).
Advisory services offered through Securities America Advisors, Inc. Risk Strategies, TSG Financial, and the Securities America companies are separate entities.
Securities America Inc. & Securities America Advisors do not offer Insurance Products. Insurance Products offered through many fine Carriers. Securities licensed in: AZ, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, LA, MD, MA, NJ, NY, NC, OH, OR, PA, SC, TX, UT, VA, DC . The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experience.

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