'TEAM1" Your Financial Service Specialists ...YOUR MEMBERS...MEL & RUTH

                   Software Financial Training Staff- TEAM#1

       A lifetime of dedication to Service. Mel, a former New Englander and Computer Executive and his wife Ruth have relocated from the Hilton Head Island, South Carolina to Palm Coast/Ormond Beach Fl in 2001’.  Licensed Florida Realtor.

·           A Graduate of Boston College and a former Adjunct Professor with Northeastern Univ. Mel holds an MBA in Finance from Babson College. He has been active with over 35 years experience in Computer  Management with firms like Univac, Data Architects & the Dept. of Defense.

·           Our “Team1” goal is to help you pay off your mortgage or other Credit Card debts in as little time as possible, without refinancing your current mortgage, and without needing additional income.  Mel, is always available to answer questions about your home or ways to reduce or eliminate your debt load. Call Mel-your “Team1” direct at (386) 453-3145 or Office @ (386) 671-1671. You can contact Mel via Email at Mel@RealtorMel.com or   info@needtobedebtfree.com

          Mel & Ruth are patient listeners and will be attentive to your problem ... They can help you in your search for financial Freedom for your future... You can always expect to receive a friendly "HELLO" by reached on his Cell- Call: 386-453-3145 or  Office:  386-671-1671

Your Other Team Member- Ruth is the other partner of the Financial Management Team- “Team1” ,... a graduate of the Katherine Gibbs School of Business, Boston, she is committed to helping others achieve their Financial goals and aspirations by carefully listening and responding to their exacting requirements. The “TEAM1” secret of success has been the continual commitment to personal service, ...and the commitment to assisting our clients find the best value solution to becoming "FREE FROM DEBT"...in the shortest period of time. Discover - the professional Team who will work diligently to insure your FINANCIAL BEST Interest.

Our mission Statement is " Ever to Excel". CALL: For Information … 386-671-1671  ask for Mel or Ruth. Cell: 386-453-3145

For follow-up on any "Need To Be Debt Free".. ACCOUNT ANALYSIS"-(In Confidence)- send me your  Name & Telephone Number or Email Data to :

    info@needtobedebtfree.com