All four book chapters blend well and work together to help the
reader plan all parts of their financial future.
The Sexy Little Book of Finance II is a simple and easy to follow guide which leads
the reader through the necessary steps in each of the four areas in order to
help plan and execute their goals. The workbook is as easy as filling in the blanks
on a form with excellent guidance from the author. Straight forward, easy to use
and excellent advice makes The Sexy Little Book of Finance II a book that will
provide an excellent return in knowledge for a very small investment of time.

Image  —  Posted: June 25, 2014 in Uncategorized
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                     Soccer-Baseball-Football-Wrestling-Lacrosse-Karate-MMA-Field Hockey-Basketball

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 We all do it; I still do it-sponsorships to our kid’s sports. Problem is we never carry cash or our checkbooks!

So we buy maybe one or two items, the rest gets packed up for the next fundraiser or concession stand. So why not take credit cards? Using our PhoneSwipeit amazed everybody when we sold out of items vs. packing them up, and our concession stand sold tons of little goodies-including jackets, pants, sweatshirts and so on.

Oh – and when we asked for a contribution-we got it right then and there-everything deposited into the bank next day…


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                              Eberhart Financial Group, Inc. 699 Washington Street, STE 302 Hackettstown, NJ 07840


                                                P: (908) 269-8879        F: (908) 269-8879                   C: 973-479-2558

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Frank Eberhart, CEP, RFC, Author  

 As I looked down upon my family in morning-I was appalled at the future I left for them without me…

  Estate-Budget-Investments all in one!:

Aside  —  Posted: April 18, 2012 in Uncategorized

My award winning book is now modulated! the first 2 are available now, Budgeting and Estate Planning. Next week the investment workbook will be there as well!


Link  —  Posted: March 30, 2012 in Uncategorized
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My 1-2-3 Plan

Posted: December 21, 2011 in Uncategorized
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My 1-2-3 Plan

 After you eliminate the Dodd-Frank joke-I mean act

 Institute a 3% credit/debit card fee on all retail purchases (like it used to be)

  •  1% goes directly to reduce the debt – this helps make sure our children and grandchildren are not burdened with this huge debt-and it frees up our cash flow, the money is not to be confused with additional wasteful spending, it must be accompanied by a drastic reduction in spending.
  • 1% goes to Social Security trust find (not the general treasury)-everybody is now contributing to their own retirement and insuring social security is continuously funded besides just payroll taxes (which being reduced by the baby boomers retiring) and the high unemployment.
  • 1% goes back to the bank to keep them healthy and of course the government as they can now tax the 1% fee as income, they receive a 25% of the gross on a monthly basis. The tax is a direct tax, no deductions.
  • The credit card companies manage the entire process since they already know how to do this with direct links to Social Security Trust, Federal Reserve, and the IRS.

 Since everybody was already paying this money through the use of their credit/debit cards (and did not know it) they will feel no affect on their wallets and everybody pays their fair share!


Frank J. Eberhart, CEP, RFC, Author

As my niece would say, you can’t fix stupid, and you can’t fix crazy…on that note I place the banks in the highest rating in both categories.

I get appalled at our government at there excitement on “there was only 210,000 foreclosures” last month, and great news-only 395,000 new jobless claims.

Let’s take a look at reality,

First and foremost, we have thrown out families from their homes, with potentially nowhere to go!

When a foreclosure happens, our property values go down

  1. The banks are not liable to pay property taxes or upkeep on the home-so it erodes even further our values, and the house sits there and rots to the ground.
  2. The state, cities, and local government, schools ALL lose tax revenue, which now pressures them to raise OUR property taxes.
  3. That is one reason you see states getting a debt downgrade.
  4. Million of properties in inventory and growing, good luck selling.
  5. Try and get a mortgage…good luck

Let’s talk about the 395,000 new jobs claims-that is 395,000 potential new foreclosures (that’s each week). That does not include the fuzzy math on unemployment, like the thousands whose benefits have run out and have shifted to welfare, food stamps, Medicaid (they have turned them from capitalists to socialists), which by the way is up 54%.

Our government throws money at the foreclosure pit, zero results except more debt. Mortgage companies sending out letters of intent to foreclose after only 45 days, non-sense, why-the mortgage company gets paid from Fannie/Freddie, keep the property on the books as an asset-where is he incentive to not foreclose?


Keep the neighborhood whole, find the payment the homeowners can handle, tax/maintenance is kept up, helps the us with “foreclosure” signs, and our values, gives them an opportunity to get back on their feet (forget about the “we can help” stuff from the government-it is piles of paperwork and you almost always get turned down.

Second solution:

Make the banks responsible for the property taxes, upkeep on the home, and make available quick easy loans (not the 3 months to close, 20-30% down payments garbage), and cannot collect from Freddie/Fannie until all these measures are complete.

This helps keep all values up, schools, fire, police, and other services that will get cut without the revenue generated by property taxes.

Your voice matters, so does your vote-make it count…

The Procrastinator’s Bible -Your Personal Road-Map to Financial Success, 3rd Addition $15.95

15 major awards for a reason

Web: click on PB3 direct to order
P: 908-879-4330 F: 908-879-3882

Fundraiser for each book sold: (based on paid receipts)

$1.00 to AD1436 (literacy and fundraiser for schools nationwide)
$2.00 to 501(3)(c) Charities listed below (or tell me your favorite charity)

1) American Cancer 2) Alzheimer’s Association 3) American Heart Association

A great book helping support great causes-
Help yourself-and help others at the same time!

Today, on the one year anniversary since government-approved health care was signed into law, a look at the implementation of the new health care reform reveals how the legislation has failed to deliver on costs, premiums, spending, and preserving Americans’ existing coverage: 

19 — States where parents can no longer buy child-only insurance policies as a result of the law

30 — States suing to block the law from taking effect, or requesting waivers from its requirements

51 — Percentage of American workers who will lose their current health coverage by 2013, according to the Administration’s own estimates

1,270 — New bureaucrats requested by the Internal Revenue Service to implement the law this year

$2,100 — Increase in individual insurance premiums due to Obamacare, according to the Congressional Budget Office

$2,500 — Premium reduction promised by candidate Obama “by the end of my first term as President”

6,578 — Pages of new regulations issued implementing Obamacare through March 14, 2011

800,000 — Reduction in the American labor force due to Obamacare provisions that “will effectively increase marginal tax rates, which will also discourage work,” according to the CBO

2,624,720 — Total individuals in 1,040 plans granted waivers thus far exempting them from the law’s insurance mandates; nearly half of whom participate in union plans

7,400,000 — Reduction in Medicare Advantage enrollment as a result of Obamacare, resulting in a loss of choice for seniors and millions of beneficiaries losing their current health plan

40,000,000 — Firms subject to the health law’s new 1099 reporting requirements, which the National Federation of Independent Business called a “tremendous new paperwork compliance burden”

$118,000,000,000 — New costs imposed on states to implement Obamacare—budgetary costs that will lead to reduced services for other state programs like education or to higher state taxes

$310,800,000,000 — Projected increase in health costs due to Obamacare, according to the independent Medicare actuary, who called its promise of lower costs “false, more so than true”

$552,200,000,000 — Amount of higher taxes Americans will pay if Obamacare remains in place

$1,390,000,000,000 Federal spending on new entitlements during fiscal years 2012-2021 according to the CBO, a 48 percent increase from an earlier estimate

WHAT THIS MEANS FOR YOU: Even though we have seen only a few of the law’s initial provisions take effect, American families and businesses are already facing higher costs, economic uncertainty, and loss of their current coverage.

THE DOCTOR’S DIAGNOSIS: The new health care reform law is the prime example of how the Democrats’ tax hikes, spending spree, and heavy-handed government policies are hurting our economy and making it harder for small businesses to create jobs.  Removing these barriers will provide the businesses that create new jobs with the certainty they need to hire new employees and get our economy back on track.


Unintended Consequences

Posted: March 16, 2011 in Uncategorized

With a law as complex as the Patient Protection and Affordable Care Act (PPACA), unintended consequences are always a concern.

Last week The Wall Street Journal reported that the physician community is witnessing the emergence of a significant unintended consequence — since tax-advantaged flexible spending accounts can no longer be used to pay for over-the-counter medications without a prescription, under the law, many patients are now visiting their doctors expressly for the purpose of getting new prescriptions for the OTC medications. The change in the law was meant to discourage wasteful spending on some health products and raise revenue. Instead, critics say the provision is driving up health care costs. Unintended consequences of the health care reform law is an area of focus for Aetna, and we will continue to urge flexibility in the implementation process to help address potential unintended consequences.

ERISA Sales Checklist

September and October of 2010 the new ERISA SPD’s (summary plan descriptions) went into law along with HCR Notifications. What was is no more, it must now be an ERISA document, and insurance companies do not provide this. For those who are interested here is a checklist for the ERISA requirements.

1. Do you offer ERISA health and welfare benefits for your employees?

(E.g. health, dental, vision, life, AD&D, employer-paid LTD and/or STD, severance insurance policy, Wellness/ EAP, and/or voluntary benefits that are pre-taxed under a 125 plan)

_ Yes _ No

2. Do you have an ERISA plan document?

If yes to #1 above, ERISA Title 1 requires that the Employer/Plan Sponsor must have a written Plan document in place even if they offer one or more of these benefits to only 1 employee or 2000 employees.

_ Yes _ No

3. Do you have an SPD (Summary Plan Description)?

ERISA requires that all participants receive an SPD. Participants can be awarded $110 a day penalty assessment for each day he/she fails to receive an SPD after requesting one in writing.

_ Yes _ No

4. If yes to #3, have you distributed the SPD to each participant within 90 days of his/her first day of coverage?

Most Employer/Plan Sponsors assume that the EOC’s/certificates of coverage from the Insurance Carriers meet these requirements. They do not. A separate ERISA SPD must “wrap” around the certificates to meet ERISA documentation requirements.

_ Yes _ No

5. Have you ever amended your ERISA Plan Document/Summary Plan Description?

_ Yes _ No

6. If yes to #5, did you provide an SMM (Summary of Material Modification) to your employees? ERISA requires an SMM be distributed to all participants when there is a material change to the benefit plans such as carrier change, eligibility change, benefit structure change, etc.

_ Yes _ No

7. If you have over 100 enrolled participants in any benefit, have you ever filed a Form 5500 with applicable schedules?

ERISA imposes an $1100 day penalty for each day this filing is late up to a maximum penalty for large employers (over 100) of $30,000 annually.

_ Yes _ No

8. If yes to #7, have you ever completed and distributed a SAR (Summary Annual Report)? _ Yes _ No

9. Have you ever been subject to a DOL audit?

Audits can be triggered through a DOL investigation reported through other agencies (IRS), through review of form 5500 filings and most often through Employee reporting or lawsuits.

_ Yes _ No

10. Have you ever had an employee file a claim for violation of his/her ERISA rights?

_ Yes _ No

11. Do you have other ERISA plans such as a 125 plan with FSAs (flexible spending accounts) or HRAs

(health reimbursement accounts)?

Health FSAs and HRAs are also ERISA plans and must meet the same documentation and filing requirements.

_ Yes _ No

12. If yes to #11, do you have separate ERISA plan documents and SPDs and have they been assigned ERISA plan numbers?

_ Yes _ No

13. If so, you may be in violation of Title I of ERISA that governs health and Welfare Benefit plans. ERISAEdge can help!


Contact Frank J. Eberhart, CEP, RFC  908.879.4330 for additional information about your ERISA, HCR Notifications, and Family Leave requirements and obligations, FSA,HRA,HSA,COBRA,Section 125 and sexction 105 plans..

“Life is more enjoyable when you don’t have or care if  ERISA, DOL, IRS  are knocking on your door”

The information in this communication is confidential and may only be used by the authorized recipient for its intended purpose. Any other use or disclosure is prohibited.