Tina Orem
Professional/Personal Overview
  I'm a journalist, editor, and proofreader with an MBA, a master's degree in journalism, and actual financial experience. I have solid, hands-on knowledge of markets and instruments, personal finance, business plans, insurance, and credit; experience with SEC filings (writing and "translating"); and intense financial modeling experience. I've edited business books, magazines, and scholarly journal articles; I've also written for trade and consumer publications. I've interviewed several celebrities about money. I have experience as a managing editor. I'm reliable, professional, and focused; I meet deadlines, am a painstaking perfectionist, and am very organized.
Contact Info
  Tina Orem
Albuquerque, NM 87111

E-Mail: tinaorem@gmail.com
Website: http://www.mediabistro.com/TinaOrem
Work Samples
(Credit Union Times, 10/21/2015)
Credit unions may find themselves in court more often if the CFPB acts on its proposed ban on class action waivers in arbitration clauses - a change some industry experts said could inflate compliance costs and eliminate products and services.
(Credit Union Times, 10/19/2015)
Diebold is in talks to acquire its Germany-based competitor Wincor Nixdorf for nearly $2 billion, according to announcements from both companies.
(ABA Banking Journal, 6/26/2015)
With almost three-fourths of Americans now saying their relationships with banks are primarily transactional, according to Accenture, having the right mobile offering isn't just trendy--it's a survival strategy. Here's what four experts say banks should do to stay relevant in mobile.
(Credit Union Times, 6/10/2015)
Doling out financial advice at credit unions could soon look a lot different if controversial new rules proposed in April by the Department of Labor take effect.
(Credit Union Times, 5/29/2015)
Some members of the card industry are questioning the Department of Education's recent proposal to regulate certain debit and prepaid cards. After July 2 - the deadline for public comments - they might have some answers.
(Credit Union Times, 5/21/2015)
Target's $19 million proposed settlement with MasterCard failed to receive the required 90% participation rate from issuers, meaning the settlement will not happen, according to an announcement from MasterCard and one of the attorneys representing five card issuers fighting the settlement.
(CreditCardGuide.com, 6/26/2014)
Sam's Club decided to capitalize on your bulk-buying high by announcing a cash-back credit card program on June 3. The card, called the Sam's Club 5-3-1 MasterCard, has perks that make those big-haul trips even more enticing.
(CreditCardGuide.com, 6/11/2014)
The American Kennel Club launched its own Visa reward card on May 20. The card is a powered-up version of earlier cards the association has offered.
(CreditCardGuide.com, 6/5/2014)
Americans spend about 37 billion hours a year waiting in line, and it takes a toll on their emotions. That problem is precisely why payments processor Square has moved into the online ordering business with its launch of Square Order.
(CreditCardGuide.com, 5/29/2014)
American Express has added 4,100 Wal-Mart stores to its cash-reload network, making it the largest free cash-reload network in the United States.
(CreditCardGuide.com, 5/29/2014)
Travel is an $888 billion industry in the U.S., and if you've taken a trip recently, you know that booking online is the norm these days. Orbitz, the online travel-booking website, is the latest to try to capitalize on that with its April 2014 launch of the Orbtiz Rewards Visa Card.
(CreditCardGuide.com, 5/22/2014)
In February 2014, Capital One purchased a stake in ClearXchange, which is a network formed in 2011 by Bank of America, JPMorgan Chase and Wells Fargo. The network allows people to send money to each other without having to establish accounts outside of their primary banks.
(Consumers Digest, 5/1/2014)
The "Your Money" section of the May-June issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics.
(CreditCardGuide.com, 4/9/2014)
Using a fingerprint as an "I was here" message is what Houston startup Epic One plans to capitalize on when it launches its line of credit cards. The cards contain fingerprint readers and microprocessors that create a dual-authentication process, which lowers the chances of fraudulent use.
(CreditDonkey.com, 2/17/2014)
Life changes with the times, and it's in major metropolitan areas that real change becomes evident. With this in mind, CreditDonkey.com wanted to find out where we can see the future happening now by looking for cities that are embracing change the most. Where are the cities of the future?
(CreditDonkey.com, 2/5/2014)
We're taking the side of the broken-hearted and taking a breather from worshipping at the candy-coated, Pinterest-hyped altar of Valentine's Day. Behold our list of the most heartbroken cities.
(DocStoc.com, 2/3/2014)
Companies dread poor web design because it reduces the amount of time and money customers spend on their sites. The underlying problem is oftentimes poor UI and UX design. If your company is an offender, watch out. Here's what you need to know.
(CreditDonkey.com, 1/27/2014)
Given the vast variety in economic conditions and demographics in this Land of Opportunity, we wanted to nail down the best states for entrepreneurs. Here's our list of the 10 best.
(CreditDonkey.com, 1/22/2014)
Start on the wrong foot, in an area where the jobs are scarce and the pay is pathetic, and you could end up on a one-way path to being in debt forever. To avoid such a plight, we've gathered a list of U.S. cities that show the most promise for young couples getting started.
(Consumers Digest, 1/1/2014)
The "Your Money" section of the January-February issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics, including an interview with EXTRA host Maria Menounos.
(Consumers Digest, 11/1/2013)
The "Your Money" section of the March-April issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics, including an interview with HGTV's Carter Oosterhouse.
(InvestingAnswers.com, 9/11/2013)
It isn't all about supply and demand. We'll show you how it really works.
(InvestingAnswers.com, 9/5/2013)
As with most things, cheapest almost never means best when it comes to financial planners. Here's how to make sure that your costs don't get too high.
(Advisor Today, 9/1/2013)
In our search for successful NAIFA members under 40, we discovered these four advisors whose dedication to serving their clients has enriched their personal and professional lives. This is a profile of Joseph Tavernite, one of those four.
(Consumers Digest, 9/1/2013)
The "Your Money" section of the March-April issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics, including an interview with Rachel Fox of Desperate Housewives.
(InvestingAnswers.com, 8/15/2013)
Whether you're planning to retire or you're already there, missing deadlines will cost you. Use this checklist to avoid disaster.
(InvestingAnswers.com, 8/12/2013)
Maybe you wish you had never heard of bacon-flavored toothpaste, but the same can't be said about these little-known bonds. Find out what they are and how they work.
(InvestingAnswers.com, 8/5/2013)
Many companies entice new employees -- and current ones -- with these offers. Here's what you need to know.
(InvestingAnswers.com, 7/31/2013)
Futures markets can be confusing. Here's what you need to know.
(InvestingAnswers.com, 7/24/2013)
Cities typically don't have a lot of coin lying around for projects, so they often turn to munis, and you can benefit. Here's how.
(Consumers Digest, 7/1/2013)
The "Your Money" section of the July-August issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics, including an interview with Melissa Rivers.
(InvestingAnswers.com, 6/11/2013)
Everyone claims to know where you should put your retirement money. Sort through all the noise by checking out these five plans.
(InvestingAnswers.com, 5/30/2013)
Business development companies let you invest like the mega-rich. Here's what you must know before you jump in.
(InvestingAnswers.com, 5/21/2013)
Not all stocks are created equal. Here's your guide to five of the most common types of stocks.
(InvestingAnswers.com/MSN Money, 5/7/2013)
Here's what you have to know before you buy yourself the gift that keeps on giving.
(Consumers Digest, 5/1/2013)
The "Your Money" section of the May-June issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics, including an interview with NFL star Kurt Warner.
(Consumers Digest, 3/1/2013)
The "Your Money" section of the March-April issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics, including interviews with Mark Cuban and Today Show financial editor Jean Chatzky.
(New Mexico Business Weekly, 11/30/2012)
New Mexico often appears on national lists of "best places to retire," but for more and more workers in the Land of Enchantment, the days of heading home at 65 and playing golf all day are gone. These days, "retirement" often means moving from a full-time job to a second career.
(Consumers Digest, 11/1/2012)
The "Your Money" section of the November-December issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics, including an interview with celebrity chef Joe Bastianich.
(Advisor Today, 9/1/2012)
In our search for successful NAIFA members under 40, we discovered these four advisors whose dedication to serving their clients has enriched their personal and professional lives. This is a profile of Ronco Johnson, one of those four.
(Advisor Today, 7/1/2012)
This feature article details how successful insurance producers have been able to keep their businesses afloat in the face of tremendous uncertainty about what health-care reform will do to the industry and its customers.
(Consumers Digest, 7/1/2012)
The "Your Money" section of the July-August issue of Consumers Digest. The section includes 10 articles on a variety of personal finance topics.
(Advisor Today, 5/1/2012)
People often overlook the need for disability insurance. They think their medical coverage, their life insurance, or their savings can cover the loss of income that often comes when they have to leave work due to injury. They're dead wrong. Here's how to get clients to see the light.
(InvestingAnswers.com, 2/29/2012)
The U.S. Treasury hopes new legislation could collect $8 billion in taxes from offshore accounts. Find out what that means for you.
(Advisor Today, 2/1/2012)
Successful prospecting still requires the same things it did during the California Gold Rush: time, effort, skill and knowing where to look.
(Advisor Today, 7/1/2011)
Profile of a Four under Forty award winner.
(Advisor Today, 5/1/2011)
The two producers profi led in this article are honing the skills required to sell in today’s difficult business climate: willingness to adapt, ability to meet their clients’ ever-changing needs, a “can-do” attitude and a healthy dose of optimism.
(Advisor Today, 3/1/2011)
Last year, Americans spent $129 billion on individual annuities--down more than 38 percent from 2008. Yet, with a retirement boom on the horizon and millions of market-ravaged consumers seeking security, some of your clients are probably asking about annuities again. Here's what to do about that.
(The Register-Guard, 1/30/2011)
Demand for locally grown food is soaring, particularly in the Pacific Northwest, and that means economic opportunities in Lane County, according to a new study by the University of Oregon.
(Advisor Today, 10/1/2010)
The long-term-care sector of the insurance business is booming, but some producers still have a difficult time selling the product. Here's how three top producers do it.
(Advisor Today, 8/1/2010)
In time for Life Insurance Awareness Month, this article reviews how customers and producers look at life insurance these days, as well as how some producers sell the product more effectively.
(Advisor Today, 7/1/2010)
Despite the economy, employers are still trying to attract bodies and talent by offering benefits. But they're living in an uncertain world full of spiraling costs. This article profiles how four top worksite insurance producers are making benefits attractive and affordable to employers.
(Advisor Today, 5/1/2010)
Even though The Great Recession is largely behind us, pulling their clients out of the rubble remains a grueling task for most investment advisors. This article shows how advisors are doing just that.
(Investing Answers, 2/2/2010)
Drastic times call for drastic measures, especially these days. But when it comes to raiding your 401(k) in order to pay bills or buy things, it's incredibly important to understand the consequences first.
(Advisor Today magazine, 2/1/2010)
With consumers sill worried about their finances, it is not easy to get them to buy yet another insurance policy. Read this article to find out what some advisors are doing to sell lots of supplemental insurance to their prospects and clients.
(Advisor Today magazine, 12/1/2009)
The way in which health care is delivered is experiencing a major transformation. Your keys to success in whatever system is ultimately adopted? Flexibility and an unwavering commitment to customer service.
(Advisor Today, 9/1/2009)
Researchers might write enough about sales to fill a thousand bookshelves, but their conclusions often don’t resonate with everyday advisors looking for practical ideas to boost their production levels. So to separate the steak from the sizzle, we asked some top performers for the most effective i
(Advisor Today, 8/1/2009)
An overview of what advisors need to know before selling life settlements.
(The Register-Guard, 6/18/2009)
Profile of Jon Buerstatte, managing partner of Gleaves, Swearingen, Potter & Scott.
(The Register-Guard, 6/18/2009)
Profile of entrepreneur Dwight Collins and his historic Eugene business, Newman's Fish Company.
(The Register-Guard, 6/18/2009)
Profile of local entrepreneur Sam Recinos and his local landmark, Plaza Latina.
(Advisor Today, 4/1/2009)
As you look for ways to improve your practice in this era of doing more with less, don’t overlook the relationship with your broker-dealer. The products and services your broker-dealer offers may go a long way in helping you enhance your client services—and stay ahead in today’s challeng
(PC World, 3/15/2009)
We ran the same tax situation through five popular tax-preparation sites and got totals that varied by almost $2000.
(Time to Market magazine, 3/15/2009)
An interview with Umpqua Bank CEO Ray Davis. How Umpqua Bank used modern design to embrace one of banking's most cherished, old-fashioned strategies: The face-to-face relationship.
(PC World, 2/4/2009)
Reviews of the five major online tax-prep sites. TurboTax edges out the competition, but only by a hair. URL leads to five clips in one: http://www.pcworld.com/reviews/product/44129/review/turbotax_premier_2009.html http://www.pcworld.com/reviews/product/44113/review/taxact_ultimate_2009.html
(Advisor Today, 1/15/2009)
Yes, we are experiencing an economic downturn, but this has not prevented some producers from thriving. Find out what three of them are doing to successfully promote their services and reach hundreds of highly qualified prospects.
(Cottage Grove Sentinel, 11/12/2008)
A school district becomes the middleman in allowing teachers and other employees to take hardship loans against their 403(b) retirement plans. Includes updates on two area charter schools.
(PC World, 4/14/2008)
This program offers a great escape from your homemade accounting system, but the software's simplicity and limitations make it easy to outgrow.
(Outside Bozeman magazine, 3/15/2008)
Insurance can be a totally boring topic until you're looking at a thousand-dollar bill to fix the lung you punctured with your buddy's ice axe.
(PC World, 3/5/2008)
A review of H&R Block's latest online tax-prep site.
(PC World, Macworld, 2/7/2008)
A review of five prominent online tax-prep sites for 2008. TurboTax stands out with more features and the best site design, but TaxAct is the best value. Also found at http://www.macworld.com/article/132273/2008/02/taxprep_online.html
(Advisor Today, 2/1/2008)
Premarital financial counseling is an untapped market--with prospects ready to be turned into future clients.
(Advisor Today, 12/4/2007)
You could be headed down a dead-end street with your prospect or client and not even know it's happening. The next best thing to becoming a mind-reader is to know the six things they are probably thinking, but don't know how to tell you.
(Outside Bozeman magazine/ Outside Missoula magazine, 3/15/2007)
A local spin on the corporatization and geneaology of the organic food industry.
(Kansas Woman magazine, 2/2/2007)
An analysis of how pocketbook stress affects your marriage, your parenting, and your productivity.
(Outside Bozeman, 6/15/2006)
Recycling difficulties abound in small towns, despite citizens' enthusiasm, because of some basic economic hurdles.
(Outside Bozeman, 6/15/2006)
A business bio of one of Bozeman's stalwart enterprises.
(StreetAuthority.com, 9/25/2005)
A discussion of FFO excerpted from Street Authority's Investor Update newsletter. StreetAuthority.com is a research-intensive financial publishing firm offering a variety of subscribers-only newsletters. I've written dozens of similar pieces for them. Click on section eleven or scroll down.
(Bandersnatch Research, 6/23/2005)
An overview of VC's return to the alternative energy industry. Part of a weekly overview of energy industry topics for Bandersnatch subscribers.
(Outside Bozeman, 6/15/2005)
A discussion of the the economic impact of federally protected lands on surrounding communities.
(Outside Bozeman, 9/15/2004)
Tracing the life of retired CEO Leigh Perkins.
(Outside Bozeman, 6/15/2004)
Relating our national obesity epidemic to Montana.
Work Info
Corporate Finance 10 Years
Editor 11 Years
Writer 11 Years
Business (general) 12 Years
Finance 12 Years
Personal Finance 12 Years
Total Media Industry Experience
12 Years
Media Client List (# assignments last 2 yrs)
DocStoc.com (11+), Consumers Digest (11+), Credit Union Times (11+), Creditcards.com (11+), CreditDonkey.com (11+), StreetAuthority.com/InvestingAnswers.com (11+), Advisor Today magazine (11+), Eugene Register-Guard (6-10), Outside Bozeman magazine (6-10), ABA Banking Journal (1-2)
Corporate Client List (# assignments last 2 yrs)
Albuquerque Business First (11+), Scholarly journal articles in finance (11+), Brookfield Properties Corporation (6-10), Crystal River Capital, Inc. (6-10)
Other Work History
--Joe's Law: America's Toughest Sheriff Takes on Illegal Immigration, Drugs, and Everything Else That Threatens America; Joe Arpaio & Len Sherman
--The Age Curve: How to Profit from the Demographic Storm; Kenneth Gronbach
--The Eccentric Billionaire: John D. MacArthur; Nancy Kriplen
--India Arriving; Rafiq Dossani
--Managing Online Forums; Patrick O'Keefe
--The Leadership Advantage; Robert Fulmer, Jared Bleak
--The Boss from Outer Space and Other Aliens at Work; Patricia Addesso
--The Grand Illusion; Chuck Panozzo
--Your Successful Career as a Mortgage Broker; David Reed
--The Niche Shop; Dorothy Finell
--Billy, Alfred, and General Motors; William Pelfrey *Nicholas-Joseph Cugnot Award winner (Society of Automotive Historians)*
--First in Thirst: How Gatorade Turned the Science of Sweat into a Cultural Phenomenon; Darren Rovell *Soundview Summaries top 30 business book*
Computer Skills
Entire MSOffice suite including Word, Excel, PowerPoint and Publisher; Acrobat Pro; InDesign; InCopy; Illustrator; HTML; Outlook; variety of social media, including Facebook, Twitter, and LinkedIn; random accounting software.
Technical Skills
Particularly strong with MS Word track changes and Excel. Quantitative finance expertise. Quick learner. Dangerous with HP12-C calculator.
Dell laptop, digital cameras, HP color printer/scanner/fax/photo printer, videocamera, cell phone; I have InDesign, IncCopy, Photoshop, Adobe Illustrator, and Acrobat Pro experience.
Foreign Language Skills
Some Spanish.
Available upon request.
American Copy Editors Society (ACES)
Society of Professional Journalists (SPJ)
Society of American Business Editors and Writers (SABEW)
Journalism & Women Symposium (JAWS)
BSBA finance/marketing/economics, University of Denver Daniels College of Business

Master's degree in journalism, University of Oregon

M.B.A., University of Oregon

Denver Publishing Institute graduate

Completed levels 1 and 2 of the CFA Institute's Chartered Financial Analyst (CFA) program.

Word War I and II classes taught by Alice Levine, former copy chief at Westview Press

Comfortable with complex financial concepts and numbers. I enjoy making difficult concepts easy to understand.
Freelancer Availability
I freelance full-time. I live near Albuquerque, NM. I am willing to travel anywhere. I have a driver's license. I have access to a car.