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nDash Writer Profile for Brett Romero

Brett Romero

Headline

Finance writer, Fintech, Real Estate, AI, B2B

About Me

Brett Romero is a freelance writer specializing in finance, FinTech, B2B, software, and IT. He has an MBA and passed the series 65 exam. http://www.bkrconsulting.co/copywritingtech/

Industries I Write About

Financial Services

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Information Technology & Services

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Marketing & Advertising

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Computer Software

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My Writing Samples

Is Apple A Good Put Option Selling Candidate?

In this article, we’re going to do an analysis of AAPL to determine if it’s a good candidate for selling put options. The strategy that will be used is known as naked put writing. Long-term, the goal of this strategy is to capture the majority of premium by buying back the options at less than $0.40. Start With The General Market Environment Before selling a put option, understanding the general market environment is critical. It will set an overall context and bias. The current environment has been lofty. The S&P 500 is at all-time highs and the VIX is down to 9.75. Put option sellers already know premiums will be depressed. Meaning, returns will also be depressed.

http://www.steadyoptionincome.com/is-apple-a-good-put-option-selling-candidate/

How FinTechs Can Increase Their Audience Reach Without Increasing Their Burn Rate

Burn rate is a measure of spending divided by the number of employees within a company. For FinTech’s, burn rate can be spread across: Labor Data feeds (stock market and related real-time information) Marketing Fixed cost (utilities, rent, etc.) and more. In this article, we’ll see how FinTech’s can reduce their marketing burn rate without reducing their audience reach.

http://www.business2community.com/content-marketing/fintechs-can-increase-audience-reach-without-increasing-burn-rate-01680963#UgivuAFSiX5uGJFh.97

How To Stabilize Your Income By Selling Options

Have you ever been in this situation, you buy a call option, and the probability of success looks great. Then, the stock decides to sit at or just below your strike. You watch daily as your option dwindles toward zero. The pace picks up as the option enters into the last 30 days before expiration.

http://www.octafinance.com/how-to-stabilize-your-income-by-selling-options-2/174712/#ixzz4fwD1Qwy5

Integration: the new fintech goal

Sure, there will still be fintechs that want to push incumbents out, but they’re unlikely to be around long. Instead, what we’re seeing is the integration of fintech innovation with incumbent players. More fintech companies are looking at filling holes in the financial services space, rather than trying to go head-to-head with financial institutions. This is very different from the agenda that seemed to exist just 18 months ago. Many fintechs now have the goal of being acquired. The realisation that existing financial institutions have the much-needed customer base and market share has set in. Trying to build up a customer base from scratch requires a large burn rate, is high risk and can take a long time before profitability is achieved. A better model seems to be position yourself as a great acquisition target.

https://www.fintechbusiness.com/blogs/644-integration-the-new-fintech-goal

The Truth About Early Payment Discounts

Early Payment Discounts offer a discounted rate to companies who pay their invoices early. As a vendor, you define how many days early any discount will be applied. For example, you might send out an invoice with the following terms: 2/10 - net 30 The above is a net 30 invoice with a 2% early payment discount if paid within 10 days rather than 30. We're going to look at the customer and vendor perspectives, both good and bad. We'll dig into what can happen when things don't go quite right and also cover a number of considerations when deciding to use early payment discounts.

https://blog.apruve.com/the-truth-about-early-payment-discounts

B2B Debt Collection And How To Prepare Yourself

In a perfect world, our customers would pay us on time every time. But unfortunately, that Goldilocks world just isn't the way it happens in real life. We have to be prepared for cases when customers don't pay on time and simply refuse to pay at all. B2B debt collection is altogether different from B2C debt collection. With business collections, invoices are usually larger, contracts can be in place, and relationships heavily established. Trying to collect from a company through more moderate means should be your first consideration. Once a less aggressive approach has been exhuasted, involving outside help is usually the next step. We've covered a few points on trying to collect debt from a company here. Now we'll go into more detail on this process.

https://blog.apruve.com/b2b-debt-collection-and-how-to-prepare-yourself

Is Apple A Good Put Option Selling Candidate?

In this article, we’re going to do an analysis of AAPL to determine if it’s a good candidate for selling put options. The strategy that will be used is known as naked put writing. Long-term, the goal of this strategy is to capture the majority of premium by buying back the options at less than $0.40. Start With The General Market Environment Before selling a put option, understanding the general market environment is critical. It will set an overall context and bias. The current environment has been lofty. The S&P 500 is at all-time highs and the VIX is down to 9.75. Put option sellers already know premiums will be depressed. Meaning, returns will also be depressed.

http://www.steadyoptionincome.com/is-apple-a-good-put-option-selling-candidate/

4 Tips To Solve Cash Flow Problems In Your Business

Your business is booking clients and revenues continue to grow each month. But every time you look at your bank account, there isn’t enough to any of the upcoming accounts payables. How is this possible and how can you solve it?

https://www.bitesizebschool.com/growing-revenues-no-cash-show/

How To Save Money On Gas by Timing Your Supermarket Discounts

Shopping for groceries is probably a weekly trip for most of us. Filling up the car might be a twice-a-month trip. Both these trips are costly. But you can cut down on the cost of filling up with the tip I'm about to share with you. One of the larger grocery stores where I live is Fry's Food (Kroger in some parts of the country). As a Fry's Food member, which is free, for every $1 you spend on groceries, you get one point. After 100 points (or $100 spent), you get $0.10 off a gallon of gas at the Fry's Food gas station. This is a fairly common way to save. Safeway offers something similar. But $0.10 off doesn't make much difference and you may even find cheaper gas just a few blocks over.

https://toughnickel.com/frugal-living/How-To-Save-More-On-Gas-When-Buying-Groceries

How To Break Out Of The Commodity Category

When you decide to create a product, there are usually great aspirations of making hundreds of sales. But by the time it is all finished, you might look back and wonder how is your product any different from the many other similar products. Maybe you saw that your competitors were making loads of money in some product category and you decided to jump on the bandwagon. Differentiation didn’t come into the picture or could have just been to difficult to figure out. I’d like to help you come up with a few ideas for breaking out of the commodity category. Meaning, differentiate your product from the competition and give potential customers a great reason to pull out their hard earned money and give it to you.

https://medium.com/@bitesizebschool/how-to-break-out-of-the-commodity-category-6ef5efa3aeb8

Balance Sheet Concepts Every Business Owner Should Know

As a business owner, these are some of the most important concepts about the balance sheet that you should know. Balance Sheet Concepts Every Business Owner Should KnowThis is the first of a series of posts on financial statement insight. I’ll pick out some of the most important aspects of each financial statement and discuss their relation to other financial statements. Financial statements might seem like a dry topic but it certainly doesn’t have to be.

https://www.bitesizebschool.com/balance-sheet-entrepreneurs/

How To Choose An Editor

Choosing the right the editor can go a long way to making life easier as an author. There are a few things to consider when choosing an editor. I'll discuss each of them below. Why Choose An Editor? If you are writing your first book, an editor can be a tremendous help in laying out your book and making it flow coherently. This is where an editor's experience shines through. Having an editor work with you can elevate your book's quality. The type of professionalism an editor brings to the project will help set your book apart from the amateur ranks.

http://www.bookdaily.com/authorresource/blog/post/1431653

Novella As A Series: An Easier Road For First Time Authors

You probably found this article because you are working on your first book. You are likely looking to push past 80,000 words, 100,000 or possibly over 300,000 for a final draft. I imagine your book is consuming much of your time. No matter you say. It will all be worth it because you’re going to hit it out of the park.

https://www.bitesizebschool.com/novella-as-series/

Visual Studio Community 2015: Setting Up a Site

For this series of articles, we’re going to use Microsoft’s modern IDE: Visual Studio Community 2015, along with an assortment of useful tools that will probably be familiar, including Bootstrap, MailChimp and Adobe Kuler. Visual Studio is most often used as a development tool. It certainly fulfills that role. But what many people may not know is that it is also a design tool. It has full autocomplete support for front end languages such as CSS, AngularJS, jQuery and more. After a long session of typing in code, you might look back and see your code formatting is off or could use a little cleaning up. Visual Studio can step in and format your code with clean, readable alignment, whether it is back-end or front-end code. Combining Bootstrap, which is already downloaded and available in your (Starter Web) project, with Visual Studio’s IDE sets up a great environment for designing a beautiful, professional looking website.

https://www.sitepoint.com/design-develop-microsoft-community-2015-setting-up-site/

Introduction to Objective-C Literals for iOS Beginners

Although Swift may be easier to learn for beginners, many iOS developers who embrace Swift would still recommend learning Objective-C, as many frameworks have not made the transition yet. What is more, as Swift is based on Objective-C, knowing Objective-C will make learning Swift easier as well. Objective-C literals are not a new thing, but many beginners to iOS development might have overlooked it, especially if they’ve decided to start out with learning Swift. If you’re one of those people, now’s the time to get a gist of what literals are about!

https://www.codementor.io/ios/tutorial/introduction-to-objective-c-literals-for-ios-beginners

Extending an iOS App with WatchKit

In this tutorial I will show you how to extend an existing iOS app with WatchKit using a brain training app called “Brain Enhancer”. The Watchkit version of the app will be a pared down version of the full iOS app. It will be a different experience but within the context of the iOS app to avoid a disjoined experience between the two apps. The user should understand that they are still using the same app.

https://www.sitepoint.com/extending-an-ios-app-with-watchkit/

How To Avoid A Cash Crunch With Invoice Factoring

Small businesses and startups can often find themselves crunched for cash. While their month over month revenue might be growing, there isn't much money in the bank. This presents a big problem when trying to pay suppliers, which is needed for completing customer orders. Put simply, there isn't a way to pay suppliers since the funds aren't available. This can turn into a spiral where customers see the business isn't able to fulfill orders, which means less revenue, leading to fewer orders and the cycle continues. This is where invoice factoring can help. Unlike a traditional loan, invoice factoring can fulfill a cash shortfall within only a few days. Traditional loans typically have very stringent qualifications and can take more than a month to process and pay out. You can probably already see some of the benefits of invoice factoring. Basically, invoice factoring is selling a portion of your accounts receivable.

https://blog.apruve.com/how-to-avoid-a-cash-crunch-with-invoice-factoring

Experience

Sr. Software Engineer Lead

Company: Alere Wellbeing

I worked there from 6/2008 until now

Sr. Software Engineer

Company: Alere Wellbeing

I worked there from /2008 until now

Founder

Custom web design. iPhone application development.

Company: Cygen

I worked there from /1997 until now

Content I Write