Inflation, rising rates and the Federal Reserve could whip stocks around in the week ahead — Fat-Wallets

MARKET INSIDER The bond market could again set the course for the week ahead, after rapidly rising interest rates gave stocks a choppy start to the new year. 1,339 more words

Inflation, rising rates and the Federal Reserve could whip stocks around in the week ahead — Fat-Wallets
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The 10 Steps to Obtaining Financial Freedom — Fat-Wallets

What is Financial Freedom? Financial freedom can be defined in a few ways, however, one common theme is that when you’re able to live your life the way you want and work becomes optional due to the amount of income you have coming in, then you are generally considered financially free. Generally speaking, having more […]

The 10 Steps to Obtaining Financial Freedom — Fat-Wallets
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Doing the Most Good feels good…

This past weekend, I had the opportunity to join my fellow board members of the Salvation Army of Greater Cleveland Advisory Board in West Cleveland as volunteer bell ringers supporting the Salvation Army’s Advisory Board Kettle Day fund raising effort.  It was inspiring to see so many philanthropic business and executive leaders rallying together as a team spending time supporting this important seasonal kindness program.  The generosity of the public response was truly overwhelming encountering real people who have been touched by the Salvation Army’s support of communities in need.

Board Members Robert Shenton and Vince Liuzzi
GCAS Advisory Board Kettle Day

Did you know… The Salvation Army of Greater Cleveland makes a positive impact in our community serving nearly 1 million hot meals to hundreds of thousands of hungry people, provides over 160,000 nights of shelter and emergency housing services to people without shelter in need of transitionary lodging. Thousands of children and families in need will receive Christmas gifts this year donated by generous people who donate to the many toy drives sponsored by good, charitable companies throughout our region.  Emergency shelters are open safely caring for and taking in the homeless.  Counseling and recovery centers provide much needed services and support for some of the most vulnerable people living in our community. Visit to learn more.

Ringing the bell in West Cleveland

So you see, everyone has an opportunity and a role to take responsibility in helping others.  Without question, I can tell you based on my experiences in business and in life, that “Doing the Most Good” actually feels the most good.  Sharing personal time, talents and treasures with people who truly need and deserve our help and support is the very best gift I could offer people who are less fortunate than me. 

Regardless of life’s struggles, sadness and extreme challenges, I am incredibly grounded and thankful to be helping others.  This holiday season, I ask you to join me in supporting the great works of the Salvation Army, or the charitable organization of your choice.  The community needs your support, and you too have much to share.  What a better way to celebrate the goodness of the season than to help others in need to feel the help and support of someone who really does care.

Posted in Business, Community, Inspiration, Leadership, Opportunity Zones, Salvation Army, Uncategorized, Vince Liuzzi | Tagged | Leave a comment

Financial Wellness in the Holiday Season — UNC Healthy Heels

Regardless of what holidays we choose to celebrate, November and December can be rough on budgets, especially for college students. Between travel expenses, winter break plans, going out with friends to celebrate the end of the semester, and buying gifts, we often quickly spend much more money than we may have planned.  Remember to prioritize […]

Financial Wellness in the Holiday Season — UNC Healthy Heels
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Financial Peace Process: Pro Tips On Money Management From A Business Professional — Creator Villa

Mr. Yousef celebrating his 20th wedding anniversary at Cabeza de Toro, Dominican Republic (September, 2021). An American Psychological Association’s “Stress In America” survey found that 72% of adults reported feeling stressed about money “at least some of the time” (source). Money topped work, family responsibilities, and health concerns as the top source of stress. According […]

Financial Peace Process: Pro Tips On Money Management From A Business Professional — Creator Villa
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Opportunity Zones: Increasing Investment Where It’s Needed Most

June 27th, 2019

FORT WAYNE, Ind. – How can Northeast Indiana and Fort Wayne boost development in economically distressed communities?

Many federal incentive programs have been created over the years, including the New Markets Tax Credit, Empowerment Zones and more; however, the newest investment incentive—Opportunity Zones—may have the most significant tax benefits yet.

Check out this great review of the program – be sure to check out the webinar on the opportunity zones hyperlink – it’s a fantastic overview of the program and gives great examples on how public and private partnerships come together to help communities success. We are #bettertogether

Posted in Business, Community, Leadership, Opportunity Zones, Tax Shelter, Uncategorized, Vince Liuzzi | Tagged , , , , , , , | Leave a comment

Insights on the Second Set of Qualified Opportunity Zone Regulations

Insights on the Second Set of Qualified Opportunity Zone Regulations

Insights on the Second Set of Qualified Opportunity Zone Regulations
— Read on

Really good overview of Opportunity Zone program.

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Leadership Development

Exploring Johari Window as a tool to improve self awareness. This overview posted on Sarah’s blog describes the four panes.

In the terms of learning how group therapy works in the field of art therapy, it is understood that personalities vary through the individuals in the group you are working with. Getting to know your group and building a relationship with the individuals is one of the main priorities in group therapy. The Johari Window is a model to guide the art therapist to notice different aspects of their individuals and can also help the individuals in realizing areas of themselves that need more assistance than others.

The Johari Window consists of four main “Selfs” or “Areas.” They are labeled Public Self/Open Area, Blind Spots/Blind Area, Hidden Self/Hidden Area, and Unconscious Self/Unknown Area. Each self is different in which what they keep to themselves and reveal to the world. Using the Johari Window is promoting self-awareness and guiding the group be aware of themselves and parts who they are.


  1. Public Self/Open Area – area of the indvidual that is known to themself and others around them. For example, a teenage boy who is aware of his anger problems and knows that others are aware of this too.
  2. Blind Spots/Blind Area – a part of the individual’s personality that others only see but the individual does not notice. For example, a teacher who thinks they present a happy persona, but students see that he/she gives off a mean or scary vibe. The teacher has no idea that she presents a mean persona, but her students do.
  3. Hidden Self/Hidden Area – only the individual knows about this aspect, they do not reveal it to others. For example, a depressed teen who sulks and cries when she is by herself in her bedroom because she does not want to present her feelings in front of others.
  4. Unconscious Self/Unknown Area – this is a part of the individual that absolutely no one knows about or notices. For example, an individual uses an unhealthy coping mechanism without noticing that it is unhealthy and others do not realize that is unhealthy as well.

I never heard of this model beforehand and found it to be extremely helpful. The Johari Window can not only be used when working with groups, but even in self evaluating. This model is one of the few things that can be used for yourself and for clients as well in art therapy. Versatile models like these are so helpful and really eye-opening.

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Keys to Home Ownership – Welcome Home Grant Program

Important Information for Homebuyers!

Welcome Home Program

The Federal Home Loan Bank of Cincinnati (FHLB Cincinnati) offers grants of up to $7,500 for honorably discharged veterans and active duty military homebuyers and up to $5,000 for all other homebuyers to assist with down payment and closing costs for income eligible homebuyers through the Welcome Home Program (WHP). Homebuyers must apply and qualify for a mortgage loan with one of our Member financial institutions to utilize the grant.

Who are Eligible Homebuyers?

A homebuyer would be eligible for the Welcome Home grant if all of the following guidelines are met:

  • The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond (MRB) limit for the county and state where the property is located;
  • A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;
  • The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,
  • If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer counseling course is completed prior to the loan closing. Note: Applicants do not have to be first-time homebuyers.

What is an Eligible Property?

A property would be eligible if all of the following guidelines are met:

  • The property will be the homebuyer’s primary residence;
  • The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units) or a qualified manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent foundation); and,
  • The property is subject to a legally enforceable five-year retention mechanism, included in the Warranty Deed or as a Declaration of Restrictive Covenants to the Warranty Deed, requiring the FHLB Cincinnati be given notice of any refinancing, sale, foreclosure, deed in-lieu of foreclosure, or change in ownership during the five year retention periods.

How Do I Apply?

Only members of the Federal Home Loan Bank can offer this program! Check with your local community banker and ask about their participation in the “Welcome Home” grant program.

For more program information, homebuyers should contact a FHLB Cincinnati Member financial institution. A list of Members is available at

The Process

  1. Execute a purchase contract on an eligible property
  1. Complete application with FHLB member mortgage banker
  2. Eligibility determined, grant funds reservation request submitted
  3. FHLB reviews and issues an approval letter
  4. Loan closing with member bank.

Congratulations Homeowner!

Information for Homebuyers Page 1 ©2019 Federal Home Loan Bank of Cincinnati, all rights reserved. Revised 01/18/2019

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Spring Forward: 4 Fast Ways to Save Time and Money

An hour of sleep might not be the only thing you lose when the clocks spring forward—daylight savings time could cost you money, too.

“Researchers have estimated the economic cost of that one lost hour at $434 million per year, with effects including higher rates of workplace injuries, lost productivity and sleep-impaired bad judgment.”

Myelle Lansat from shares 4 ways to get that lost hour back:–4-fast-ways-to-save-time-and-money/

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