Nascar Watch Out!!

rci shirts 031

The race to find new sponsors/customers is on!  We need businesses to tell kids how important they are when they play chess!  You can have your logo on everything we show people for just $99.00 a year and a promise to provide your services free or at a discount to Chess Families pursuing scholarships!

Want to use our services?  Of course we have everything chess has to offer!  To give entrepreneurial and professional development, we have companies.  The “Pro Funding Suite” allows us to offer commercial loans and credit building!  Got all the money you need?  If your electric bill is $7000 a month or more, “Sunview Integrated Solutions” can usually lower that bill by 10% – 30%.  There is no risk!!  Lloyds of London underwrites our energy saving guarantees and there are no up front cost.

Helping the chess community with your advertising, patronage, or referral is so simple, even a cave…!  You get the idea.

VA Scholastic Championships are March 2nd – 4th.  RCI is trying to take 20 parents and children from RPS to this event!  The total $4844.00.  We’ll accept donations from private citizens, but if you’re a business owner, advertising, doing business with us, or sending us a referral teach the kids a lot more!

Thanks for your time,

Mike C


Don’t let them miss out! It matters!

I had never been to a huge scholastic tournament before this past weekend when I went to the Greater New York Scholastic Chess Championships, or the “City Championships”, as my friend called it. I only played chess competitively in a few small scholastic tournaments and Goichberg tournaments. I never had a school chess team, never […]

via 5 Things I Missed Out on as a Non-Scholastic Chess Player — chess^summit


The Richmond Chess Initiative needs your help!  We can help virtually any company save money on their electric bill by significantly lowering their consumption.

  • Our goal is to save the company 15% to 30% of their total electric cost!
  • We guarantee their savings in writing!  All savings are underwritten by Lloyds of London!
  • There are $0.00 out of pocket cost for this tremendous money and energy saving transformation!
  • Look below… we’re not just talking about changing light bulbs!

2018 is going to be a great year for chess players somewhere!  Some are going to win tournaments.  Some are going to reach their rating goals.  Some are going to catch fire about leading the next generation of chess talent, enlightenment and success.  If that somewhere is going to be here, in Richmond, you must join someone that will make a difference!?  In 2018 I sincerely hope you will choose us!

Call us today with the name and number of a company that wants to support chess, get a loan, get commercial credit, or save money on their electric!  They, you, chess, and the planet will be better off!  If you don’t know what we are going to do with our cut, either we just met or you haven’t been paying attention!! LOL

Thanks in advance, Mike Callaham 804-426-6058.  Limited time offer.  Will end without notice after 31 January 2018  

Business And Household Emergency Funds Are Not The Same!

What’s the 1st thing you are supposed to do when you start a household or a business? Set up your, Emergency Fund! While running a home and a business have some similarities, their emergency funds differ greatly in content, calculation, and performance. Everyone knows that the general rule of household budgeting says that you’re supposed to have at least 3 months of emergency cash! If your household overhead is $4,000 a month, you need to have $12,000 of easy access cash that you are never going to touch unless an emergency arises. 30 day billing cycle, 30 day income cycle, easy peasy, right. If for any reason you are not paid on time, the department of labor is there to make the employer pay you.

Now the business emergency concept. You still have to pay the bills every 30 days but some billings, contracts, and invoices can take up to 90 days to pay in full. If business overhead is $20,000 a month, then the emergency fund is 3 months overhead plus the average billing/contract cycle. If it takes an average of 90 days for all payments to come in then you need 3 months overhead and 1 full billing cycle. 4 mos, 5 mos, or . That’s 6 times $20,000 or $120,000. Your business needs to have $120,000 worth of emergency credit that you will never touch unless an emergency arises!

So there it is. For your home you need emergency cash. For your business you need emergency credit! Sometimes we get distracted or forget… The goal, the rule, and the joys of home, come when you use cash and very little credit! The goals, the rules, joys and safety of business come when you use credit and very little cash. Use cash for the things you intend to keep, and credit for the things you intend to sell!!!
So far we’ve only talked about emergency money! What about growth, expansion, renovation, safety, and risk.

1.) Are you making the most of your current location? Signage, seating, inventory? Have you opened enough locations to capture all the opportunity that this and the neighboring markets can bear for the service or product you provide?
2.) If through no fault of your own, the money in your business accounts got siezed, frozen, or stolen, could you retain an attorney, run your business, and maintain your current lifestyle on revenue alone for 45 – 90 days?
3.) If something drastic happened to your consumer credit, have you made sure that it would have no affect on your business? If something drastic happened with your commercial credit, have you made sure that it would have no impact on your home?
Way too often we tend to run our business like we run our homes. RCI has the right answers to some tough questions! Creating more credit than a home could ever want and need is doable. Creating more credit than a business could ever want or need is just ridiculous! Size of the home or business doesn’t change anything!!! Emergency Funds for home and business are evidence of financial involvement and risk management! We would use credit cards for a home emergency! Why not your business? RCI can show you the interest free way to establish commercial credit? Need money now or in the future, call for a free no obligation consultation. 804-426-6058