Experience

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  RAM Business Consuting

  • Chief Executive Officer/Business Consultant

    • Oct 2020 - Present

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  RAM REAL ESTATE AND FINANCIAL SERVICES

  • Carmel Valley, CA 93924

  • CEO/PRESIDENT/BROKER/BUSINESS CONSULTING

    • Jan 2001 - Oct 2020
    • Carmel Valley, CA 93924

    Leading the company to be a success.Secure personnel who have vision and good work ethics.Provide opportunities to all personnel.Make sure the company gives the best services to help entrepreneurs be successful and profitable.

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  Local Community College

  • Monterey, California 93940

  • (Ret) Business Entrepreneurship Professor

    • Feb 1998 - Dec 2013
    • Monterey, California 93940

    Teach the students the basic skills and information needed.Provide the student with value added by providing real life experiences through guest lectures and my own personal ones to help them better understand the real world.Help the students network with Guest Lectures when employment time comes.

• 

  Arcs Mortgage/Bank of New York

  • Salinas, California 93901

  • Wholesale Account Executive

    • Jan 1993 - Nov 1993
    • Salinas, California 93901

    Company relocated

• 

  World Savings

  • Daly City, CA

  • Wholesale Account Executive

    • Jan 1990 - Jan 1992
    • Daly City, CA

    I was responsible for selecting the right Loan Program for the client and make sure they understood it.My duty was to be accurate and upfront with all fees associated with the program chosen.Answer any question the client may have and make them comfortable with the answer.

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  Utah International/General Electric

  • San Francisco Bay Area

  • Marketing Analyst

    • Jan 1978 - Jan 1982
    • San Francisco Bay Area

    My duties to the company was to do my research and due diligence on all proposals presented by myself or others and make concrete recommendations on factual findings with solid projections.Always be on the lookout for profitable opportunities for the company.

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  IBM

  • Endicott, New York

  • Repairman

    • Jan 1966 - Jun 1972
    • Endicott, New York

    Time is money to all clients. So I needed to keep up to date with all potential problems that could cause extensive down-time and have solutions to help reduce such down-time.Always be respectful of the clients need for everyday operations without any outside disruptions.

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  NIHON GINGKO (EQUIVALENT OF FEDERAL RESERVE BANK)

  • Tokyo, Japan

  • INTERNSHIP_1 YEAR

    • Jan 1970 - Jan 1971
    • Tokyo, Japan

    My main responsibility at Central Bank of Japan was to help them better understand their restrictions/decisions for Foreign Companies to due more business in Japan, may have the opposite effect. I once used the analogy of wanting a chicken to swallow more food, but your decision to squeeze its neck tighter will not solve the problem.

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  US Army

  • Asia

  • SP5

    • Jan 1968 - Jan 1971
    • Asia

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