#1 New Years Day Resolution by Dr. Richard - Learn How Anyone Can Achieve Financial Fitness in 2004

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“Achieving financial fitness is actually easier than most people think. Especially after the Holiday shopping sprees, it is essential you take action now to remedy the situation before it is too late,” according to Dr. Richard, Publisher of the FinancialFitnessTips.com Report. “If you do the exact sames things last year, you will get them same results this year. Get out of your financial trap. Let me show you how to make 2004 the year you get your finances into shape - a year to remember.”

Consumer Credit in the 80’s.

Dr. Richard (a/k/a America’s Financial Fitness Trainer™) is offering consumers useful advice and tips on how to get their personal finances in shape for 2004. Many people overspend during the Holiday Season and 90% of all Americans have the worry of living their lives paycheck-to-paycheck. This is where Dr. Richard can help by providing some simple suggestions that will help make 2004 a year of increased financial fitness and security.

Dr. Richard highlights just how important it is to keep your personal finances in shape. Its no secret that 50% of all marriages end in divorce – and finances are the number one reason. Once people can control over their finances, a lot of stress will disappear. With a reduction of stress, they may end up quitting smoking, losing weight, or maybe even save a failing relationship.

“Achieving financial fitness is actually easier than most people think. Especially after the Holiday shopping sprees, it is essential you take action now to remedy the situation before it is too late,” according to Dr. Richard, Publisher of the FinancialFitnessTips.com Report. “If you do the exact sames things last year, you will get them same results this year. Get out of your financial trap. Let me show you how to make 2004 the year you get your finances into shape - a year to remember.”

Dr. Richard will show you how to:

· Take control of your finances

· Avoid the “out of sight – out of mind” syndrome

· Tell if you’ve been a victim to identity theft and what steps you need to take

· Increase your FICO score (credit rating) after the Holidays

· How to stay motivated throughout the New Year

With the advent of today’s financial scandals, financial education is a difficult and daunting topic; however, Dr. Richard specializes in delivering this information in a clear, simple and more understandable manner that consumers can really feel the benefit from.

Dr. Richard takes a light-hearted and fun approach to the serious way that people deal with their finances. He is considered one of the nation's leading experts on personal finance and consumer credit.

Dr. Richard is also the former television host of "Consumer Credit in the 80’s." As a former investment banker, he has participated in real estate transactions of more than $700 million since 1991 and has been featured on "Living the American Dream - Today's Success Stories."

Dr. Richard is available for interviews.

BACKGROUND NOTES

· Dr. Richard has over 20 years of expert financial knowledge.

· Dr. Richard is the designer of the 2004 $200,000 Financial Fitness Challenge.

· Dr. Richard is the former television host of Consumer Credit in the 80’s.

· As an international public speaker, Dr Richard has appeared on many TV and radio shows, as well as educated individuals from all walks of life about financial fitness.

· Dr. Richard has been described as making finance “understandable and sexy.”

· Dr. Richard is a Co-Author with Dr. Wayne Dyer and Mark Victor Hansen (“Chicken Soup and the Soul”) in “Wake Up…Live the Life You Love.”

· Dr. Richard has written a book due for release early next year entitled “Financial Aerobics – How To Get Your Finances Into Shape”

· For more information on Dr. Richard go to http://www.FinancialFitnessTips.com

CONTACT

For more information or to schedule an interview with Dr. Richard:

Paul Armstrong        

T: (310) 248 6222 ext 27    

E: paul@levinepr.com

Dawn Miller

T: (310) 248 6222 ext 13    

E: dawn@levinepr.com

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Photography available upon request.

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