Postage Meter Machine Blog

Tucows Announces Return of OpenSRS Where Friendly, Reliable Service Comes First

Unsurpassed support and reseller satisfaction as top priority sets

OpenSRS apart

TORONTO and CHICAGO, HostingCon 2008, July 28 /PRNewswire-FirstCall/ - Tucows Inc., (AMEX:TCX, TSX:TC) a leading provider of Internet services to web hosting companies and ISPs worldwide, announced today the return of the OpenSRS name for its wholesale reseller services group. Through its network of web hosting companies and Internet service providers, OpenSRS provides web and email addresses for millions of people worldwide.

In 1999, Tucows became the first domain name wholesaler to be accredited by ICANN and chose the name OpenSRS for its domain name service. Today, OpenSRS remains one of the world's largest wholesale domain registrars, and has expanded its offerings to include hosted email and SSL certificates. Resellers' sustained loyalty to OpenSRS was one reason behind the decision to re-launch the brand, and key to that loyalty is the company's reputation as the most reseller-friendly among Internet services wholesalers.

"At OpenSRS, we really believe in supporting our resellers because they've been incredibly supportive of us. That means not only making it easy to sell, provision and support the highest quality Internet services, but it also means being true to our word," said Ken Schafer, Vice President of Product Management and Marketing for Tucows. "We've made a commitment to being reseller friendly, so much so that we've included it in our new logo."

Over the past nine years, OpenSRS has grown steadily each year and today boasts over 9,000 active resellers on six continents. Those resellers, in turn, have the potential to reach millions of end users. OpenSRS resellers are fiercely loyal, 78% of the resellers who joined in 1999 are still using OpenSRS to sell services today.

OpenSRS is known for its work on registrant rights within the registrar community as well as making things simple and reliable for its resellers. It also differentiates itself through a deep commitment to its identity as a wholesale business. This runs in sharp contrast to competitors that frequently end up competing with their own resellers for customers.

"We're a true Internet services wholesaler. You won't find our name or logo anywhere on our end-user interfaces and we don't talk to our reseller's customers, ever," said Schafer. "We stand by our promises and commitments and we work to earn our reseller's loyalty."

As part of the re-launch of OpenSRS, the company has established new brand marks and a logo consistent with a 1950s-era service company, aimed at recalling a time when service mattered most. An iconic character has also been created to embody OpenSRS' core values - service, friendliness, willingness to help, community service and reliability.

To celebrate the re-launch of the OpenSRS brand and mark a return to the bygone days of service with a smile, OpenSRS will be serving up treats from an old-fashioned soda fountain and ice cream stand in booth #626 at HostingCon 2008, at Navy Pier in Chicago from today through Wednesday.

About OpenSRS
OpenSRS is a global provider of wholesale Internet services to web hosting companies and ISPs. Wholly owned by Tucows, Inc., OpenSRS provides wholesale services for hosted email, domain name registration, Personal Names, and SSL certificates. For more information, please visit http://opensrs.com.

About Tucows

Tucows provides Internet services for web hosting companies and ISPs.Through our global network of over 9,000 service providers our OpenSRS group provides millions of email boxes and manages over eight million domains. Tucows is an accredited registrar with ICANN (the Internet Corporation for Assigned Names and Numbers). We hold a domain name portfolio of approximately 150,000 domain names that are available for sale, monetized through advertising and support our wholesale Personal Names Service. Our Retail division sells Tucows services to consumers and small business owners through Domain Direct, IYD (It's Your Domain) and NetIdentity. Tucows.com remains one of the most popular software download sites on the Internet. For more information please visit: http://tucowsinc.com.

If you are interested in becoming a domain reseller, check out OpenSRS, but start with their OpenSRS reseller pricing. It may save you from spending more time learning about their program only to realize you can get better pricing elsewhere. At first I thought maybe their non-refundable fee of $95 might not be to bad for a really nice domain reseller program, but when I saw that they add a "$3.00 OpenSRS Management fee" to most of the domains, I soon realized that their program was not for me...!

Make sure ResellerClub.com is on you list of places to check for reseller programs. Yes, you may not find them as easy as other programs, but the cost is lower.

// posted by (hris @ 2:35 PM 0 Comments

LegalView updated its mesothelioma blog to include news of the government denying federal funds to an area in Arkansas that was left tainted with asbestos after nearly 150 World War II structures were destroyed in a fire. The government rejected the requests from the town of Chaffee Crossing where citizens are currently at risk of contracting mesothelioma cancer.

Denver, CO - LegalView.com, the number one resource for everything legal on the Web, recently reported on its mesothelioma blog that federal funds were denied to cleanup an asbestos-tainted town in Arkansas. Chaffee Crossing is the site of a recent fire, which destroyed nearly 150 World War II (WWII) structures, releasing asbestos fibers and dust into the area potentially increasing the risk of citizens developing mesothelioma. The city requested federal funds from the government to assist the cleanup of the town, which is considered by several citizens there to be a Superfund Site. The Environmental Protection Agency (EPA) is refusing to deem the site a Superfund because it claims that levels of asbestos in the air after the fire were too low to be deemed as such. However, the Arkansas Department of Environmental Quality found asbestos contamination in some areas to be much higher than EPA tests recorded. For those who live in the area or who have previously been exposed to asbestos, using LegalView's mesothelioma portal to locate a mesothelioma attorney is the best way to protect oneself.

Asbestos is a material that is derived from vermiculate, a mineral often mined for uses in construction and as building insulation. Asbestos was widely used as insulation in many early 20th Century constructions, such as those burned in Chaffee Crossing. However, after discovering the link of inhaling asbestos to an incurable form of lung cancer, the use of asbestos was discontinued and the EPA has spent billions of dollars in the removal of asbestos across the country. Individuals who have been exposed to asbestos are advised to contact an experienced mesothelioma law firm to receive an attorney consultation on developing a mesothelioma lawsuit in which compensatory damages can be sought. Mesothelioma is a painful and deadly illness that takes decades to reveal itself, by which time it can be too late to find ways in paying for medical expenses. Use the mesothelioma portal to learn more about this and other recent asbestos-related news.

Additionally, LegalView offers several other information portals relating to a range of issues such as the Baxter Heparin recall, traumatic brain injury (TBI) treatments and Erb's Palsy jury verdicts. Heparin is a blood thinner injected into patients undergoing heart surgery or similar procedures. It is used to prevent blood clots, which can be fatal during surgery. Recently, the Baxter Healthcare Corporation issued a Heparin recall because several patients had reported severe allergic reactions to the drug, which has been associated with at least 19 patient deaths. LegalView.com reported updates continually to readers as this story unfolded, providing insightful and imperative news for victims of the Heparin recall. Similarly, individuals can use the TBI practice area to learn the most up-to-date news on brain injury lawsuits, jury verdicts, treatments as well as how to locate brain injury lawyers.

For information on Erb's Palsy, a condition that usually develops because of labor complications, visit Erb's Palsy lawsuit as the condition is usually preventable and caused by a physician pulling on a baby during birth.

About LegalView:
LegalView.com is a public service brought to you by Legal WebTV Network, LLC, a Limited Liability Corporation created by a group of the nation's most highly respected law firms: Anapol Schwartz; Brent Coon and Associates; Burg Simpson; Cohen, Placitella and Roth; James F. Humphreys and Associates; Lopez McHugh; and Thornton and Naumes. For more information on the accomplishments and track records of LegalView.com's superior sponsoring law firms and to get in touch with LegalView attorneys, visit LegalView at www.LegalView.com.

Press Contact: Katie Kelley
Company Name: LegalView
Phone: 720-771-3246
Website: http://mesothelioma.legalview.com

// posted by (hris @ 5:05 PM 0 Comments

New Blog Gives Inside Story on Women's Fashion

London fashion expert Caryn Franklin's website howtolookgood.com is not only a dedicated women's fashion advice site on body shape, but now includes her new blog, offering a real behind the scenes, no holds barred insight into the UK fashion industry

London, UK - July 27, 2008 -- In her new blog (http://www.howtolookgood.com/blog) Caryn tells it like it is and offers readers the opportunity to sign up and interact with her, by posting comments and receiving feedback and advice on all issues around fashion and how to dress for body shape.

She also flags up her own clothing solutions giving insight into the wardrobe of a 'fashion expert.'

Written with authority (she has spent 25 years in the business and has interviewed everyone from Yves Saint Laurent to Georgio Armani, as well as presenting on numerous TV shows, writing books and contributing to women's magazines) Caryn also writes from an ageless perspective.

As Caryn Franklin says, "Women can love fashion and dress confidently whatever their age, when they understand how to see beyond what commercial fashion offers. I give women tools to create the best wardrobe for their shape, age and lifestyle. And I'm there as a resource on my site. Since our launch in 2001, I have answered many hundreds of questions from readers."

Caryn's main website http://www.howtolookgood.com offers advice and tips on how to be a clever consumer of women's fashion and by signing up to her new blog, subscribers will receive a free e-book on Jeans - giving them all the information they need on shape, fit and brand.

The site also offers women the opportunity to download one of 19 different e-books on

how to dress for your body shape (http://www.howtolookgood.com/advice_home.html), for either their current wardrobe, or when shopping for new clothes.

These comprehensive and practical e-books are designed to provide valuable tips and advice to help women avoid making time consuming and costly mistakes by understanding what to wear and also what to avoid.

As these three testimonials show, Caryn's advice has been crucial:

Good morning,

I just wanted to let you know how absolutely wonderful your e-book has been for me. Until I read it last week I would stand in front of a wardrobe that consisted primarily of black and white, and still be confused about what I should wear. Always feeling out of shape and completely uncomfortable, with no confidence at all in my appearance.

The following day we went out to dinner and might I say, I looked and felt great. I had three comments on how great I was looking. It was all clothing from my existing wardrobe, put together with your rules and it looked great.

I have had my colours and style done before; however no one has ever produced an action plan (what a brilliant idea, particularly the collage). And the cost to have them come into your home and assist is quite expensive.

I cannot thank you enough; you really are the Queen of Style.

Jacqueline

Hi Caryn,

Simply had to put pen to paper, so to speak.

Just read the first 15 pages of your e-book and it addresses my central concern - large and square shoulders. Your diagrams and short to-the-point good for, or bad for remarks, are just what I require. Great, I now know what suits my top half and this will make such a difference to my shopping and confidence.

Many, many thanks. My 4-year search is over.

Kind regards,

Trixie

Thank you for your very helpful and practical e-book. It's the only one I know of with exclusively the right advice for women of my particular shape, and I found it a valuable source of inspiration. I just wish it had been around when I was sixteen. What a lot of heartache (at not being the 'right shape') and shopping headaches I would have avoided, not to mention how much money I could have saved! I've told all my friends about your site. They are all equally enthusiastic.

Kind regards

Aimée

The website also provides information on the current fashion trends to help readers understand what's on offer this season, news from the catwalks, an online shopping directory and a monthly newsletter.

For additional information on the news that is the subject of this release, contact info@brilliantproductions.co.uk or visit howtolookgood.com

About Howtolookgood.com

Howtolookgood.com was launched in February 2001 by Caryn Franklin and Jane Galpin offering fashion advice for all women.

About the author: Caryn Franklin has worked in the fashion industry for 25 years. She presented the BBC's Clothes Show for 12-years and has presented many other fashion shows including Style Bible, Style Academy, The Frock and Roll Years, as well as appearing regularly on network TV shows LK Today, GMTV and This Morning. She has written many books, contributes to mainstream women's magazines and has interviewed everyone from Yves Saint Laurent to Georgio Armani. Through her company Brilliant Productions, she hosts many live shows on the subject of image and style and her website howtolookgood.com offers all women advice on how to look good, whatever their body shape.

Contact: Caryn Franklin or Jane Galpin, owners

Brilliant Productions Ltd

0870 442 4498

http://www.howtolookgood.com

Contact Information
Julian Barrett
Brilliant Productions Ltd
http://www.howtolookgood.com
01453 839321

// posted by (hris @ 12:33 PM 0 Comments

Fears of an official recession have government officials wringing their hands with worry, reports Andy Hygate from www.loansbadcredit.org.uk.

Edinburgh, UK  - April 1 -- Fears of an official recession have government officials wringing their hands with worry, reports Andy Hygate from www.loansbadcredit.org.uk. But for the average consumer it doesn't really matter what the economists and market pundits predict or declare. Most of the UK population is already experiencing a recession on a personal or household level, and no amount of number crunching or financial juggling will do anything to change that stark reality.

One thing that could help, however, is a so-called "bad credit" loan. These are special loans extended to those with poor credit, and during recessionary times like these, they represent one of the last lines of defense and one of the best ways to access a line of credit to help weather the storm. Bad credit loans can provide emergency funds to help get back on solid financial footing, or they can be used on a longer-term basis for mortgages and other major but necessary expenditures.

Such loans may be a lifesaver if the situation persists. Roger Bootle, managing director of Capital Economics, was quoted by the Telegraph as saying that the growing financial crisis has increased the chances of recession in the UK as families struggle with their finances.

•    The government may need to raise taxes even more and scale back benefits to offset the nation's economic problems, which would only put more pressure on the average consumer.

•    Petrol prices are going up with no end in sight, and the cost of transporting all sorts of consumer goods is going up as a result. Those increases are being quickly passed along to retail buyers, so that the average UK consumer is bearing the biggest burden of all.

•    For example, the Bank of England has been forced to lower its interest rates twice in an effort to jumpstart the slumping economy. But mortgage lenders, credit card companies, and others who sell their financial services and are experiencing difficult time have not passed those price cuts along to their customers.

Meanwhile the news from across the puddle indicates a growing sea of debt that will soon wash ashore in the UK and likely prove that the turmoil in the USA is contagious - especially for economies that are so closely connected to it as is that of the UK.

"The underlying trends are horrible, with worse to come," reported the Guardian, citing prominent economist Ian Shepherdson of High Frequency Economics in New York.

With the unprecedented fall of Northern Rock - the first run on a UK bank in 100 years - and a rescue effort to save it that will eventually cost taxpayers about £25 billion - the economy signaled a severe crisis of staggering proportions. The bailout of the failed bank was mirrored on Wall Street, where one of America's legendary investment banks - Bear Stearns - fell apart within a matter of days. Stock in that company traded for around $160 per share last year, and hit $2 in mid-March.

The Telegraph reported that millions of British households will feel the aftermath of these events as mortgages become harder to get and monthly debt rises. One sign of recession is rising unemployment, and when Bear Stearns fell, fears rose that the company's 1,500 London-based employees might find their jobs or salaries in jeopardy - like so many others in the UK have already experienced.

However those companies that intentionally specialise in providing loans for bad credit are welcoming distressed Brits with open arms - and open purse strings. If you find yourself faced with the dilemma confronting most of us during these turbulent times, you may want to explore the option of a bad credit loan as a financially prudent alternative.

Press Contact: Andy Hygate
Company Name:
Phone: 077960436789
Website: www.loansbadcredit.org.uk

// posted by (hris @ 5:56 PM 0 Comments

CEA Showcases Crestron on National Bus Tour

Crestron Represents American Innovation and Ingenuity on CEA National Tour
America Wins with Trade

ROCKLEIGH, N.J.-- July 23, 2008 --The Consumer Electronics Association (CEA) launched the "America Wins with Trade" bus tour, which will visit 28 states in seven weeks, with scheduled stops at the Democratic and Republican National Conventions. A primary mission of the tour is to highlight CE companies that operate domestically and drive the nation's economy. As the global leader of residential and commercial control and automation systems, Crestron Electronics, Inc., exemplifies American business and innovation by designing, manufacturing, and shipping worldwide from northern New Jersey.

Crestron invited CEA executives, local and federal government officials to an exclusive inside look at the company's state-of-the-art operations. Esteemed guests were treated to a rare view of the 100,000 square foot Research Center where future technology is developed; product testing and quality control techniques used for more than 1000 products; and efficient manufacturing processes.

"Crestron was built from the ground up here in New Jersey. While others move manufacturing off-shore, we remain loyal to our roots. It's because of our talented and dedicated people that we continue to flourish," said Randy Klein, Crestron Executive Vice President. "We take exceptional steps to ensure the quality of our products and support, and make considerable investment in our community, employees and partners."

Rockleigh mayor Nicholas Langella, Peter Kortright, III, Bergen County Economic Development Corporation, and Michael Muldowney from U.S. Congressman Scott Garrett's office were among the respected visitors on the Crestron tour. All were impressed with the extensive Crestron testing and quality control technology, such as the high voltage testing lab (that exceeds UL and CE requirements) and the FCC RF-compliance testing chamber.

Additionally, each new product Crestron develops is subjected to stress, static electricity and lightning simulation tests, and every finished unit is inspected to ensure that it functions to design specifications.

"With 35% of sales of its US-made products going to overseas markets, Crestron is a great example of how trade is an engine of economic growth," added Gary Shapiro, CEA President and CEO.

Contacts

Crestron Electronics, Inc.
Jeff Singer, 800-237-2041
Fax: 201-767-1902
jsinger@crestron.com

// posted by (hris @ 10:06 PM 0 Comments

Fitch Downgrades Capstan Master Trust Auction Rate Credit Linked Certificates Series 1-4

NEW YORK-- July 23, 2008 --Fitch Ratings has removed from Rating Watch Negative and downgraded the following series of Capstan Master Trust (collectively, Capstan). The following rating actions are effective immediately:

Capstan Master Trust Series 1

--$150,000,000 certificates due 2017 downgraded to 'A' from 'AAA'.

Capstan Master Trust Series 2

--$150,000,000 certificates due 2017 downgraded to 'A' from 'AAA'.

Capstan Master Trust Series 3

--$150,000,000 certificates due 2017 downgraded to 'A' from 'AAA'.

Capstan Master Trust Series 4

--$150,000,000 certificates due 2017 downgraded to 'A' from 'AAA'.

The actions reflect Fitch's view on the credit risk of the rated certificates following the release of Fitch's new Corporate CDO rating Criteria.

Capstan Series 1 through 4 are four series of auction rate credit-linked certificates, the proceeds from which were used to directly purchase $600,000,000 of credit linked certificates (the 'Underlying Collateral') referencing a static portfolio of primarily investment grade corporate assets, which was privately-rated by Fitch in July 2007. The Underlying Collateral is the sole asset of Capstan. Periodic interest payments on the auction rate credit-linked certificates are determined and paid according to an auction process, as described in the transactions' governing documents. In addition, Capstan has entered into a basis swap with Deutsche Bank AG (rated 'AA-/F1+'; Outlook Stable by Fitch), whereby income from the Underlying Collateral is transferred to Deutsche Bank AG in exchange for periodic interest payments due on the auction rate credit-linked certificates. The rating of Capstan is directly linked to the credit risk of the Underlying Collateral. Thus, the downgrades reflect Fitch's view on the credit risk of the Underlying Collateral for the deal, which was downgraded to 'A' from 'AAA' on July 23, 2008.

The key drivers of the downgrade on the Underlying Collateral include Fitch's updated corporate CDO rating criteria as well as the deterioration of the average portfolio quality from 'BBB/BBB+' on the closing date (July 2007) to 'BBB-' on July 16, 2008, representing an average downgrade of 2 notches across 51.2% of the portfolio. Currently, 18.4% of the portfolio carries a below investment grade rating, approximately 12.0% of the portfolio is on Rating Watch Negative and 17.6% is on Negative Outlook by Fitch. Moreover, 24.0% of the portfolio is concentrated in the banking & finance sector which is currently under stress.

Given Fitch's view of concentration and the current credit quality of the portfolio, the credit enhancement level of 9.8% is not sufficient to justify the current rating of the Underlying Collateral.

Fitch released updated criteria on April 30, 2008 for Corporate CDOs and, at that time, noted it would be reviewing its ratings accordingly to establish consistency for existing and new transactions. As part of this review, Fitch makes standard adjustments for any names on Rating Watch Negative or with a Negative Outlook, reducing such ratings for default analysis purposes by two and one notch, respectively. Fitch has previously noted that its review will be focused first on ratings most exposed to risks it has highlighted in its updated criteria. Consequently, the certificates were placed on Rating Watch Negative on May 15, 2008. As previously indicated, resolution of the Negative Watch status depends on any plans managers/arrangers may choose to modify either the structure or the portfolio. In this case, the arranger has confirmed that it does not intend to make any modifications.

Fitch's rating definitions and the terms of use of such ratings are available on the agency's site, www.fitchratings.com. Published ratings, criteria and methodologies are available from this site, at all times. Fitch's code of conduct, confidentiality, conflicts of interest, affiliate firewall, compliance and other relevant policies and procedures are also available from the 'Code of Conduct' section of this site.

Contacts

Fitch Ratings
Derek Miller, +1-312-368-2076 (Chicago)
Kevin Kendra, +1-212-908-0760 (New York)
Media Relations:
Julian Dennison, +44 020 7682 7480 (London)
Sandro Scenga, +1-212-908-0278 (New York)

// posted by (hris @ 9:49 PM 0 Comments

Stanford Environmental Law Clinic Announces Ninth Circuit Upholds Case Requiring U.S. EPA to Regulate Invasive Species Pollution

STANFORD, Calif.-- July 23, 2008 --The Environmental Law Clinic at Stanford Law School today announced that the Ninth Circuit Court of Appeals ruled in favor of environmental organizations seeking to force the U.S. Environmental Protection Agency (EPA) to regulate ship discharges under the Clean Water Act. Dealing a setback to the shipping industry, the decision follows a 2005 lower court ruling that the EPA had illegally exempted ship discharges from Clean Water Act requirements. That decision gave the agency until September 2008 to end the regulatory exemption and issue permits to ships, an order that the EPA appealed to the Ninth Circuit.

"The EPA spent nearly ten years fighting against using the nation's only comprehensive law to combat an environmental plague that is costing the U.S. economy billions of dollars," said Deborah Sivas, Director of the Environmental Law Clinic at Stanford Law School, which represented the three plaintiff groups. "We are gratified that the Appeals Court has held the EPA accountable so that this country can begin to control the dangerous tide of invasive species."

The court's ruling today upholds the lower court's order directing the EPA to take specific action to ensure that shipping companies comply with the Clean Water Act and restrict the discharge of invasive species in ballast water. In mid-June, the EPA issued a draft permit to regulate all vessel discharges. The draft permit requires treatment of a wide range of pollutants contained in ballast water and many other types of ship discharges.

Nina Bell, Executive Director of the Portland, Ore.-based Northwest Environmental Advocates, said the court's decision will properly shift some of the burden of invasive species from taxpayers to shippers. "The Ninth Circuit's decision is very important for the taxpayers who have been paying the huge price of the EPA's continuing refusal to implement the Clean Water Act," said Bell. "If the EPA had used its Congressional mandate thirty years ago, this country would have been using the Clean Water Act to effectively control ship discharges for all that time," she added.

The plaintiff groups cautioned that the shipping industry has already shifted its fight from the courts to lobbying Congress. "As soon as we won the district court case in 2005, the shipping industry immediately turned to Congress for a special exemption from the Clean Water Act, to preserve their ability to pollute at the nation's expense," Bell said.

Live species from other countries are carried to U.S. waters in ballast water that ships use for stabilization. The ballast water is discharged into bays, estuaries, and the Great Lakes as ships approach port and when cargo for export is loaded. Over 21 billion gallons of ballast water from international ports is discharged into U.S. waters each year. The cost of damage caused by invasive species to the U.S. economy is estimated in the billions of dollars annually.

"The San Francisco Bay and Delta have been completely invaded by non-native species introduced by commercial ships coming to our ports. Species such as the Asian clam and Chinese mitten crab are clogging the intake pipes of drinking water facilities and power plants, harming the commercial fishing industry, and destroying native species habitat," said Sejal Choksi, San Francisco Baykeeper.

The absence of effective federal action, combined with the high cost of invasive species to the environment, industries, and drinking water sources, has led numerous states to pass their own pollution control laws. Michigan and Minnesota require shippers to have discharge permits. California has the strictest controls on the discharge of ballast-borne invasive species in the world. Six Great Lakes states?New York, Michigan, Pennsylvania, Illinois, Minnesota, and Wisconsin?joined the environmental groups' lawsuit to persuade the court to require a federal regulatory program.

The challenge was brought by Northwest Environmental Advocates, San Francisco Baykeeper and The Ocean Conservancy, three of the signers of a petition filed with EPA in January 1999. EPA denied the petition in 2003, triggering the lawsuit. The Environmental Law Clinic at Stanford Law School and Pacific Environmental Advocacy Center (PEAC) at Lewis and Clark Law School in Portland, Ore., represent the three organizations.

About Northwest Environmental Advocates

Northwest Environmental Advocates, based in Portland, Ore., works through advocacy and education to protect and restore water and air quality, wetlands, and wildlife habitat.

About Baykeeper

Founded in 1989, Baykeeper works to reverse the environmental degradation of the past and promote new strategies and policies to protect the water quality of the San Francisco Bay. For nearly two decades, Baykeeper and its Deltakeeper project have been the premier watchdogs of the water quality of the vast San Francisco Bay-Delta watershed.

About the Environmental Law Clinic at Stanford

The Environmental Law Clinic at Stanford Law School (http://www.law.stanford.edu/program/clinics/environmental) enables students to provide legal assistance to nonprofit organizations on a variety of environmental issues, focusing primarily on natural resource conservation. The clinic's clients include large national environmental organizations and a variety of regional and local grassroots groups. Working under clinic attorneys, students routinely investigate cases, assist clients in developing legal strategies, draft comment letters, court pleadings, and briefs, present testimony before administrative agencies, and argue cases in state and federal courts. Clinic students also provide policy advice and work on regulatory and legislative reform in the environmental field.

About Stanford Law School

Stanford Law School (www.law.stanford.edu) is one of the nation's leading institutions for legal scholarship and education. Its alumni are among the most influential decision makers in law, politics, business, and high technology. Faculty members argue before the Supreme Court, testify before Congress, and write books and articles for academic audiences, as well as the popular press. Along with offering traditional law school classes, the school has embraced new subjects and new ways of teaching.

Contacts

Media:
Stanford Law School
Amy Poftak, 650-725-7516
Assistant Director of Communications
poftak@law.stanford.edu
or
Comment:
Stanford Law
Deborah Sivas, 650-723-0325
dsivas@stanford.edu
or
NWEA
Nina Bell, 503-295-0490
nbell(at)advocates-nwea.org
or
Baykeeper
Sejal Choksi, 925-330-7757
sejal@baykeeper.org

// posted by (hris @ 9:28 PM 0 Comments

Searches for Foreclosed and Lender-Owned Properties Now Possible

EDINA, Minn.-- July 22, 2008 --Foreclosed properties are in high demand and in today's market, many such properties are available. To simplify searching for foreclosed and lender-owned properties, Edina Realty now offers consumers a new search option on its Web site, www.edinarealty.com.

Consumers simply click on the home page link, "Search Foreclosures" to pull up information and a link to all "In Foreclosure/Lender-Owned Properties." Like all properties on the Edina Realty Web site, searches can be conducted using an interactive map, or by area, city or school district. All properties that are in foreclosure or lender-owned - Edina Realty's listings and those of other brokers - will appear.

Currently, over 3,000 foreclosed or lender-owned properties are listed in Minnesota and W. Wisconsin, ranging in price from $8,000 to over $5 million. The Minneapolis Area Association of REALTORS®, which tracks closed sales of lender-mediated homes, reports that these sales made up 27.6 percent of the total market in the first quarter of 2008, compared to 9.3 percent of the market in the first quarter of last year.

"The increase in foreclosures is another opportunity for consumers to take advantage of the current real estate market," said Barb Jandric, Edina Realty general manager. "But when entering into this type of real estate transaction, it's critical to work with an agent with experience in these types of listings who can help navigate a complex process and protect the buyer's interests."

Jandric said that buying a foreclosed or lender-owned property can be more complicated because the lender is involved in the transaction, either acting with approval powers or as the owner/seller.

A property in foreclosure means that the owner has been served a legal foreclosure notice. Once the foreclosure process is complete, the property becomes lender-owned. "Each situation is unique and understanding the process and the market is important," Jandric said. "For example, because these properties may be previously owned by people experiencing financial difficulties, they may need updating and repairs. There may be liens or back taxes due on the property.

"Knowledge is power in this market," Jandric said. "Researching market conditions and thoroughly understanding the 'ins and outs' of the foreclosure process are crucial."

Edina Realty, a subsidiary of HomeServices of America, is one of the nation's largest real estate companies with 80 real estate offices throughout Minnesota, North Dakota and Western Wisconsin and more than 2,800 REALTORS®. Edina Realty's family of companies includes Edina Realty, Edina Realty Title, Edina Realty Mortgage and Edina Realty Relocation. Edina Realty handled more than 26,300 transactions and $7.0 billion in sales volume in 2007. For more information, visit www.edinarealty.com.
Contacts

Edina Realty
Gena Henrich, 952-928-5069
genahenrich@edinarealty.com
or
Verve P.R.
Maria Verven, 612-990-7328
mverven@gmail.com

// posted by (hris @ 10:36 AM 0 Comments

Even if your credit is not great, you can still benefit from a Consolidation Loan explains Andy Hygate from www.loansbadcredit.org.uk.

Edinburgh, UK  -  March 11 -- Even if your credit is not great, you can still benefit from a Consolidation Loan explains Andy Hygate from www.loansbadcredit.org.uk, and get out from under an avalanche of rising interest payments.

Just when we had hoped for relief, the economic woes seem to accelerate with no end in sight. Combined with growing fears of a recession we now have the disturbing prospect that an imminent recession will be combined with simultaneous price inflation. Commodity prices, for example, are climbing - with some industry observers predicting that the price of petrol will rise as much as 30-40 percent by July. As these factors create a bleak economic outlook, the cost of high-interest debt becomes more burdensome.

According to recent reports from the Telegraph and BBC News:

- A record-breaking 107,000 people went insolvent in 2006, an annual rise of almost 60 percent, as UK personal debt totals hit £1.4 trillion

- Lenders wrote off about £6.8bn in individual debt last year, the biggest annual total on record.

- Banks classified a total of £2.1bn as bad debt in the final quarter of 2007, of which £1.6bn was consumer debt.

- Only a small fraction of this was mortgage debt, with the majority accounted for by credit card and other unsecured debts.

But all is not lost. While major interest rates are still relatively low there is time to get out from under high-interest debt, and mounting monthly payments by borrowing a single affordable loan and using it to pay off more expensive loans. The strategy, referred to as debt consolidation, is often recommended to consumers faced with seemingly impossible financial circumstances. A debt consolidation loan is one that offers a more competitive rate than the ones you currently hold.

Of course if you already have bad credit, it can be harder to find an attractive consolidation loan. But so-called bad credit loans offer a solution, even for those with low credit scores. Lenders who offer these loans tailor to a niche market, and specialise in serving those borrowers who are turned down by traditional banks and other lenders due to credit problems. Their sole purpose and business focus is on providing loans to people with poor credit, and the services they provide are a valuable asset for UK consumers unable to borrow from conventional lenders.

With a bad credit loan from one of these lenders, it is possible to consolidate debt and convert your bad credit into a good plan for saving money and getting back on track to financial security. Transferring outstanding balances to a single lower interest bad credit loan accomplishes two critical and financially helpful goals.

First of all, you save money on the difference in interest payments. For example, if you are paying on a credit card that charges 18 percent interest and can pay off that balance with a new loan that only charges 8 percent, you realise immediate savings of 10 percent. That's a better return than most stock market wizards can boast, and it can be done in a matter of minutes by simply applying for the new loan.

Secondly, consolidating debt by paying it off with a single loan makes monthly payments simpler to manage your budget. With only one payment to make - instead of numerous bills to pay at various times during the month - it is easy to write one check, once a month. You minimize the risk of late payments, penalties, fees, and punitive rate hikes, while also making your personal financial life less stressful.

Press Contact: Andy Hygate
Company Name: Loans for Bad Credit
Phone: 07780859312
Website: www.loansbadcredit.org.uk

// posted by (hris @ 11:04 PM 0 Comments

Teaneck, New Jersey based Mortgage Expert, Joe Gross reveals mortgage market survival secrets on a brand new radio show, "Your Home - Your Future" on WVNJ 1160AM.

Teaneck, NJ  -  March 19 -- National Mortgage Expert Joe Gross launched a new radio show "Your Home - Your Future." You can listen to the show live on Thursday March 20th at 2pm, or at http://www.yourhomeyourfutureradioshow.com. "Your Home - Your Future", is all about helping listeners get the tools and information they need to protect their home for today and the future.

National Mortgage Expert, Joe Gross, addressed in his radio show on this past Thursday the issues of protecting your credit rating, debt consolidation companies, refinancing in today's ever changing mortgage market. Listeners were able to email their financial questions or situations and receive help both on- and off-air.

"Your Home - Your Future" is a forum to discuss most recent financial headlines, listener financial problems and tips to protect your home and improve your financial situation.

This week's program is all about Adjustable Rate Mortgages and how to stop the predatory rate increases. Future shows in the "Your Home - Your Future" series will cover other aspects of the mortgage market including:
•    Avoiding scams and fraudsters
•    How to budget your income and expenses
•    Boosting your credit score
•    How to choose a good broker
Since the mortgage market collapse, Joe has redoubled his efforts in educating the public about the mortgage market and what they can do to get in a better position for the future. "If this crisis has taught us anything, it's that everyone loses when people aren't educated." This is the primary reason behind the launch of the radio show.

Joe has worked in the mortgage industry for ten years and has heard hundreds of stories from customers who have gotten into trouble with debt and thought they couldn't get out. He has helped people refinance into a much better situation with manageable monthly payments and has maintained a 98 percent approval rating.

Kim and Richard VanNortwick had combined mortgage and credit card payments of $2,903.00. They had been trying for a few months to refinance. "We were very stressed out," says Kim. "We tried calling other mortgage companies but we kept getting the answer, "I'm sorry but there is nothing we can do for you."

Joe got them a 30 year fixed mortgage and saved the VanNortwick's $597.63 a month. "It only took us 17 days to get out of this misery. Joe was also able to escrow our taxes and insurance and pay off our outstanding taxes of $9,042.41" says Kim. The VanNortwick's are happy to be on their way to financial freedom and credit National Mortgage Expert, Joe Gross with their success.

Joe Gross is the president of Qualified Mortgage Inc. and specializes in Debt Consolidation and helping people with credit issues. He is committed to getting each customer into a product that will benefit them today AND tomorrow. Joe's unique Client for Life program provides additional support to customers through monthly newsletters, tele-seminars and email bulletins.

Currently, Joe is writing a book on the mortgage market collapse covering what happened, who's to blame and, most importantly, how people can get out of this mess and keep their homes.

Joe is available for interview and welcomes your mortgage-related questions. Call 800-662-0125 for a Free No-Obligation Consultation or visit http://www.yourhomeyourfutureradioshow.com.

Please contact Theresa Consoli with any questions or interview requests:
800-662-0125
Fax: 201-837-1128
email protected from spam bots
www.yourhomeyourfutureradioshow.com

Qualified Mortgage Inc.
1086 Teaneck Road
Teaneck, NJ 07666

Press Contact: Theresa Consoli
Company Name: Qualified Mortgage Inc.
Phone: 800-662-0125
Website: www.yourhomeyourfutureradioshow.com

// posted by (hris @ 11:36 PM 0 Comments

Program helps determine eligibility for new, higher jumbo-conforming, FHA loans

San Mateo, Calif. -  March 17 -- Today, Bills.com will launch "Know Your Limits," a quick, easy-to-use program to help homeowners determine if they are eligible for new, higher-limit loans passed in the economic stimulus package.

Last week, the Office of Federal Housing Enterprise Oversight raised the size of loans that can be guaranteed by Freddie Mac and Fannie Mae. The new loan limits will stay in effect through the end of the year. Also, Housing and Urban Development (HUD) raised the size of the loans that the Federal Housing Authority (FHA) can insure.

Previously, Freddie Mac and Fannie Mae could insure only mortgages of up to $417,000. That meant - even with a 20 percent down payment - only buyers of homes costing $521,500 or less were eligible for these mortgages. The new "jumbo-conforming" loan limits vary by area, with the maximum loan amount 125 percent of the median home value of the county in which the home is located. The new loan limits affect homeowners and buyers in 71 metropolitan areas and 21 counties outside of those metro areas, reaching as high as $793,750 in Honolulu.

Loan limits for FHA-insured loans were even lower, with a previous limit of $362,790. Now, mortgages of up to $729,750 can qualify for FHA insurance.

For homeowners and home buyers
Determining eligibility for the new loans can be challenging, says Ethan Ewing, president of Bills.com. With the "Know Your Limits" program, applicants can complete a simple form (www.bills.com/fhasecure) and receive an immediate assessment of their eligibility, Freddie Mac/Fannie Mae and FHA loan limits, and up to four lender matches for their specific situations.

For mortgage brokers and lenders
As part of the "Know Your Limits" program, mortgage lenders and brokers can reach homeowners eligible for the new loans quickly and easily. The "FHA Select" program will match lenders and brokers with applicants whose desired loan amount is below the FHA loan limit for their county of residence. A corresponding "Stimulus Select" program will match applicants who are eligible for jumbo-conforming loans. Both FHA Select and Stimulus Select are activated on a filter-by-filter basis, and are optional.

"The new limits will make it easier for buyers to get loans, which should help the home markets get moving again," says Ethan Ewing, president of Bills.com. "We've been in a situation where the average cost of a home in large areas of the country was far greater than available loans. These new programs will be of great assistance to home buyers, homeowners who have been unable to get out of their adjustable-rate mortgages, as well as the broker/lender community."

Based in San Mateo, Calif., Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues and comparison shop for products and services including credit cards, debt relief assistance, insurance, mortgages and other loans. The company blogs about consumer finance issues at http://www.bills.com/blog. Since 2002, Bills.com has served more than 30,000 customers nationwide while managing more than $1 billion in consumer debt. Bills.com is a division of Freedom Financial Network, LLC, whose co-founders and CEOs, Andrew Housser and Brad Stroh, have been named Northern California finalists in Ernst & Young's Entrepreneur of the Year Awards.

Press Contact: Aimee Bennett
Company Name: Bills.com
Phone: 303-843-9840
Website: www.bills.com

// posted by (hris @ 2:42 PM 0 Comments

Growing Number of Homeowners Seek Intra-Family Mortgage Loans Over Traditional Lending Sources

Waltham, MA  -  March 13 -- Virgin Money USA, the leader in formalizing and servicing mortgage loans between friends and family, today announced that it has reached its highest volume of mortgage-based loans to-date. With over 1/3 of the total loan volume -- which has recently surpassed the $300 million mark -- coming from mortgage-based loans, Virgin Money continues to prevail as the leader in the private mortgage loan industry.

With consumers feeling the impact of the recent credit crunch and the decline of the housing market, homeowners are now seeking refinance options to help lower their monthly interest payments. In addition, new homeowners are seeking an alternative source of funding for a down payment or mortgage now that it has become increasingly difficult to get from a bank due to tightening loan qualification restrictions.

Turning to family or friends for a mortgage-based loan has become a popular option that offers benefits to both the borrower and the lender alike. Borrowers are able to determine an interest rate that is often lower than a traditional bank rate, and can set a repayment schedule that meets their needs, considerably lowering the risk for default. In addition, lenders are able to earn additional income from an interest rate that is often higher than traditional bank investments, such as a CD.

"By keeping the money within the family, an intra-family loan provides options to all parties involved with the transaction; borrowers need a financial boost without breaking the bank, and lenders are looking for unique ways to preserve their wealth. Virgin Money allows lenders to earn fixed income while helping a loved one or friend in need," said Asheesh Advani, CEO of Virgin Money USA. "We offer a variety of mortgage products that are designed to meet the individual needs of homeowners, including residential mortgages, retirement mortgages and seller-financing options, enabling consumers to get a better deal than they would from a traditional lending source."

Virgin Money USA provides documentation, professional service and complete record-keeping for every mortgage loan, as many people welcome having an independent third party in the middle of a family transaction. Virgin Money allows homeowners to keep the home and the cash, as well as the decision-making power, in the family. To learn more about mortgage products and services from Virgin Money USA, please visit www.virginmoneyus.com.

About Virgin Money USA
Virgin Money USA is a financial services company committed to offering consumers alternatives to traditional and costlier forms of credit. The company provides a safe and easy way for people to make loans between relatives and friends -- thereby helping people to arrange affordable loans without hurting their relationships, to enjoy the benefits of flexible loans that fit their needs and to keep money where it belongs -- in the family. With interest rates that are typically lower than what a bank charges, coupled with flexible repayment schedules, Virgin Money allows consumers to take major steps toward achieving their personal dreams, with help from friends and family. Visit us at www.virginmoneyus.com.

Press Contact: Laren Frueh
Company Name: Virgin Money USA
Phone: (617) 337-9514
Website: www.virginmoneyus.com

// posted by (hris @ 7:23 PM 0 Comments

UK, Europe, Asian, Australian and the Americas citizens can now purchase and finance their U.S. property mortgage through Finance North America.

San Diego, CA  -  March 13 -- Finance North America announced today its latest offering of mortgage financing to international residents in the UK, Europe, Asia, Australia and the Americas looking to purchase or remortgage U.S. real estate. Finance North America specializes in providing mortgage financing to U.S. and Canadian citizens and is now proud to announce the expansion of their U.S. mortgage financing offering to the International market.
    
"Foreigners are taking an interest in purchasing property or wanting to cash in on their equity here in the US. With a weak dollar and low mortgage rates, real estate investments are becoming the choice for a growing number of people from other countries. Some see real estate as a great investment opportunity due to the low price while others are interested in enjoying the properties as a second or vacation residence." - Russ Schreier, CEO, Finance North America

Finance North America is dedicated to helping International citizens interested in purchasing real estate in the U.S. and Mexico. They offer purchase lending as well as refinance / remortgage lending. Awarded for successfully closing the most financing transactions in 2005, 2006 and 2007 for US citizen's real estate investments in Mexico, Finance North America now also provides UK, Canadian, European, Asian, Australian, and Latin American citizens a reliable partner to help with their U.S. property search and mortgage needs.

For additional information about Finance North America and their International financing options for UK, Europe, Asia, Australian, Canadians, and Latin American citizens, please send emails to: info @ FinanceNorthAmerica.com or visit www.FinanceNorthAmerica.com.

Finance North America - Finance North America, Inc. specializes in providing mortgage financing on real estate in the US and Mexico. They offer not only purchase and refinance lending, but also construction loans that convert effortlessly into permanent financing. Finance North America has over 25 years of experience in the mortgage and real estate industry and has a proven track record managing a variety of successful lending transactions on US and Mexico property. Finance North America successfully closed the most cross boarder financing transactions in 2005, 2006, 2007.

Agency/Source: dtelepathy.com

Press Contact: Russ Schreier
Company Name: Finance North America
Phone: 866-937-4639
Website: http://www.financenorthamerica.com

// posted by (hris @ 11:50 AM 0 Comments

Despite the recent credit crunch in the USA and the UK, the folks behind Phillips Financial Services (http://www.phillipsfinancialservices.co.uk) say secured loans and homeowner loans are on the rise.

Essex, UK  -  March 13 -- While a credit crunch in the USA and the UK has lead to increased speculation of a recession, a UK company specializing in secured loans and homeowner loans says both types are on the rise.

The company is Phillips Financial Services (http://www.phillipsfinancialservices.co.uk) and their message is clear; secured loan lending in the UK is increasing and is set to continue rising for the foreseeable future.

"We are one of the leading independent finance brokers in the UK, providing a very wide range of loan and mortgage solutions to consumers nationwide," said spokesman Kieron Phillips. "We offer finance solutions to people with a good and bad credit history and we have definitely seen an increase in the amount of homeowner loans and secured loans being issued."

While homeowner loans do require borrowers to put up their houses to secure the loan, it's obvious that many homeowners are willing to take the chance, thanks in part to the added benefits of the homeowner loan. Such as:

Loans from £10,000 to £500,000
Repayment terms from 2 years up to 30 years
Up to 125% LTV (loan to value)
Loans against difficult or unusual property
Loans available on buy to let or rented houses

"As long as the title deeds belong to you we can arrange you a low rate homeowner loan," said Phillips. "It doesn't matter if you have good credit or bad credit, as long as you have something to borrow against, a homeowner loan or secured loan is one of the easiest loans to get."

For more information on Phillips Financial Services, please visit: http://www.phillipsfinancialservices.co.uk

About Phillips Financial Services:

Phillips Financial Services is one of the leading independent finance brokers in the UK, providing a very wide range of loan and mortgage solutions to consumers nationwide. They offer finance solutions to people with a good and bad credit history, they can help most people, even those with an adverse credit history.

Contact Information:

Kieron Phillips
+44 0208 1237274
http://www.phillipsfinancialservices.co.uk

Press Contact: Kieron Phillips
Company Name: Phillips Financial Services
Phone: +44 0208 1237274
Website: http://www.phillipsfinancialservices.co.uk

// posted by (hris @ 9:20 AM 0 Comments

Online consumer portal founder offers 9 steps to build prime-worthy credit

San Mateo, Calif.  -  March 12 -- Rising foreclosure rates. Tightened mortgage lending and a government bailout plan. Companies folding and talk of a looming recession. Over the past year, the United States has undergone an economic correction based in large part on the implosion of the subprime lending market, but Bills.com co-founder and co-CEO Andrew Housser tells would-be home buyers how to shore up their credit scores and profiles to help remain eligible for a new mortgage, even in these difficult times.

"Today, it is increasingly difficult to obtain a subprime mortgage, a term that refers to a home loan made to individuals with less than 'prime' credit," Housser explained. "Fortunately, one surefire way exists to avoid a subprime mortgage. It is to not need one -- by having prime-worthy credit."

Credit scores range from 300 to 850. Higher numbers indicate better credit, or a greater likelihood of repaying debt. The median U.S. credit score is about 725. A score below 680 usually results in a borrower being charged a higher interest rate or being denied credit. Lower scores (typically 650, or sometimes 620) are considered subprime.

"These scores qualify only for loans with higher interest and stricter requirements -- if you can get a loan at all," Housser said. "A good credit score can significantly boost your ability to borrow money. Credit scores also can affect consumers' ability to rent an apartment, lease a car or even get a job."

Housser offered the following tips for consumers to improve their credit scores:

1. Understand the score. The first step in good credit is monitoring credit reports. Each of the three main credit reporting agencies (Experian, Equifax and TransUnion) tracks consumers' credit history and calculates their credit scores. The score from each agency may be different. Get a free credit report each year at www.annualcreditreport.com.

2. Correct mistakes. Correct any inaccuracies on the report. Visit the credit bureaus' Web sites for information on how to file a dispute. Credit bureaus must investigate any disputed items and remove them if they cannot be verified, Housser noted. Keep copies of all correspondence.

3. Build job history. A stable job history is one factor lenders consider when offering a mortgage loan. Creditors look at job history to understand a consumer's stability and income.

4. Pay bills on time. On-time payments are very important to good credit. Paying bills on time for as little as one month can raise a modest credit score by 20 points.

5. Avoid new debt. "When preparing to apply for a mortgage, do not open any new accounts for six months ahead of time," Housser cautioned. Every new inquiry to a credit report affects the credit score. However, he noted that when consumers shop for the best mortgage loan, credit bureaus do not hold against them multiple inquiries for the same product within a short period of time.

6. Avoid payday loans. Payday loans have annual rates of 200 percent (or more) -- a terrible path into a debt snowball that can destroy financial security.

7. Do not max out cards. Do not charge credit cards up to the limit. "If possible, keep one or two cards open with low or no balances," Housser said. "This will help the important 'credit utilization' aspect of the credit score. Also, avoid making substantial charges on cards one to two months before applying for a mortgage, even if the balance will later be paid in full."

8. Do use credit. Credit bureaus rely on past payment history to gauge borrowers' future behavior. Closing unused accounts while maintaining some debt creates a higher debt-to-credit ratio, which appears as a greater credit risk and lowers a credit score. Use credit cards sparingly (and pay them off monthly) to maintain a current credit history.

9. Resist identity theft. Identity theft can destroy credit ratings. "Protect yourself from unscrupulous individuals who could go through your trash, steal account numbers online or get information through "phishing" scams," Housser said. "Keep important financial information and account numbers in a secure place, shred documents that contain personal information, and never give out personal information in e-mails or phone calls you did not initiate."

"In today's financial market, a good credit score is more important than ever," Housser said. "Take steps today to build and safeguard your credit. A solid score will repay your efforts today and in the future."

Based in San Mateo, Calif., Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues and comparison shop for products and services including credit cards, debt relief assistance, insurance, mortgages and other loans. The company blogs about consumer finance issues at http://www.bills.com/blog. Since 2002, Bills.com has served more than 30,000 customers nationwide while managing more than $1 billion in consumer debt. Bills.com is a division of Freedom Financial Network, LLC, whose co-founders and CEOs, Andrew Housser and Brad Stroh, have been named Northern California finalists in Ernst & Young's Entrepreneur of the Year Awards.

Press Contact: Aimee Bennett
Company Name: Bills.com
Phone: 303-843-9840
Website: www.bills.com

// posted by (hris @ 11:50 AM 0 Comments

Real estate professionals being squeezed by the current market conditions are finding relief by joining internet marketing business systems such as www.WowInternetBusiness.com.

Middleton, MA  -  April 21, 2008 -- Thousands of real estate and mortgage professionals, squeezed out of their livelihood with current market conditions are finding solutions to their own financial crunch on the internet. Internet Marketing used to require specialized knowledge and years of training, but newer online businesses have provided systems that can be picked up and used almost immediately. One such system is provided by WowInternetBusiness.com.

"Internet marketing skills are relatively easy to learn when you are a people person, as anyone in real estate is," says Rodd Stockwell of www.WowInternetBusiness.com. "Selling software or vacations online is not much different that selling houses."

Paul Spradlin of San Diego, CA is one former real estate agent who has made $10,000 -- $15,000 each of the past six months since starting with internet marketing. Internet marketing gurus, such as Darren Gaudry, are coming up with systems that are easier and easier to jump into and learn while earning. Passport to Wealth was one such system that launched about fifteen months ago. It has proven that, as in other industries, it is easy to learn from the experts and be successful.

Professionals who want an easy entry into the world of internet marketing and sales can buy packages such as those offered through WowInternetBusiness.com, an affiliate of My Internet Business.com. "With the help of the computer, so much of the drudgery of sales and running a business can be automated. You can even pay someone a commission to close your sales and keep the lion's share of profits for yourself," says Rodd Stockwell.

About WowInternetBusiness.com:
WowInternetBusiness.com is a newly launched affiliate dedicated to high quality training and education of internet marketers. Even people new to the internet can quickly learn all they need to know to supplement their income selling products and services on line.

Contact:
Rodd Stockwell
www.WowInternetBusiness.com
rodd @ WowInternetBusiness.com

Press Contact: Rodd Stockwell
Company Name: WowInternetBusiness.com
Phone: 978-646-9380
Website: www.WowInternetBusiness.com

// posted by (hris @ 11:41 AM 0 Comments

Individual insurance plans from HumanaOne meet a wide range of consumer needs.

Louisville, KY  -  March 11 -- Humana (NYSE: HUM) today announced the introduction of a new portfolio of individual health insurance plans under its HumanaOne® brand in nine states -- Alabama, Arkansas, Iowa, Indiana, Mississippi, Nebraska, Oklahoma, South Carolina and Utah. In 2007, Humana introduced the individual health insurance coverage options in 15 other states (listed below), where they have been popular with consumers.

The variety of plans makes it easy for individuals and families to select a plan according to their own personal preferences, lifestyles and budgets. HumanaOne plans are designed specifically for self-employed entrepreneurs, small-business employees, part-time workers, students and early retirees. Humana markets HumanaOne plans through insurance agents and brokers, as well as directly to consumers. Health insurance quote applications for the plans are available online or by phone.

HumanaOne's new personal health insurance plan portfolio includes a broad spectrum of benefits -- with three in-network coinsurance levels and 17 annual deductible choices -- organized into three, distinct packages, for:

•    People who are security-minded and want benefits like those provided by big employers
•    People who want flexibility to fit their financial plan, including HSA-qualified offerings
•    People who want a low-cost plan with a safety net "just in case"

The plans can be further customized with optional benefits such as dental insurance, life insurance, and supplemental accident coverage.

"With the U.S. market for individual health insurance at 18 million and growing, we recognize that individual health insurance plans cannot be 'one size fits all,'" said Jerry Ganoni, president of HumanaOne, Humana Small Business and HumanaDental. "That's why we created three separate families of plans, each tailored for a particular kind of consumer, but at the same time highly customizable. This represents the most significant product expansion for HumanaOne since its inception in 2002."

In 2007, Humana launched the new products in 15 other states -- Arizona, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Louisiana, Michigan, Missouri, North Carolina, Ohio, Tennessee, Texas and Wisconsin. Soon, the company plans to introduce the new product portfolio in the remaining two states where HumanaOne currently operates. At present, HumanaOne serves more than 250,000 health plan members in 26 states.

The new plans from HumanaOne are designed to appeal to a variety of consumers -- from those who desire the security, coverage and service commonly found in health plans from large employers, to those wanting a simple safety net in the event of a major health problem.

The new portfolio of HumanaOne plans offers deductibles ranging from $1,000 to $7,500 for single coverage, and from $2,000 to $15,000 for family coverage. Premiums start as low as $30 per month for single coverage and increase according to the plan, its features and level of benefits.

"This new portfolio of products positions HumanaOne to serve a much larger portion of the individual health insurance market, which we believe will continue to grow at a rate of five to eight percent annually over the next five years," said Steve DeRaleau, chief operating officer of HumanaOne. "As more people leave group health plans, retire early, become self-employed or work part-time, they will increasingly look to individual health plans, and HumanaOne will be there to serve them with a plan ideally suited to their distinct needs."

Humana guarantees monthly premium rates on its HumanaOne plans for one full year after purchase, as long as the member remains in the same area and keeps the same benefits. Thanks to Humana's large network of doctors and hospitals, HumanaOne policyholders who move to a different state can simply take their plan with them, and in most cases, those who work or travel away from home can receive in-network benefits by seeing any of the more than 400,000 Humana-contracted doctors, hospitals and other health care providers across the country.

HumanaOne members have 24-hour access to online tools and resources, enabling them to check claims status, medical expenses, compare hospital, doctor and prescription costs and more. HumanaOne accepts applications by phone or via its Website at http://www.humana-one.com/.

About Humana

Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health and supplemental benefits companies, with approximately 11.5 million medical members. Humana is a full-service benefits solutions company, offering a wide array of health and supplementary benefit plans for employer groups, government programs and individuals.

Over its 47-year history, Humana has consistently seized opportunities to meet changing customer needs. Today, the company is a leader in consumer engagement, providing guidance that leads to lower costs and a better health plan experience throughout its diversified customer portfolio.

More information regarding Humana is available to investors via the Investor Relations page of the company's web site at Humana.com, including copies of:
•    Annual reports to stockholders
•    Securities and Exchange Commission filings
•    Most recent investor conference presentations
•    Quarterly earnings news releases
•    Replays of most recent earnings release conference calls
•    Calendar of events (includes upcoming earnings conference call dates and times, as well as planned interaction with research analysts and institutional investors)
•    Corporate Governance Information

Press Contact: Jim Turner
Company Name: HumanaOne
Phone: 502-476-2119
Website: http://www.humana-one.com/

// posted by (hris @ 1:01 AM 0 Comments

Smart Phone Frenzy to Drive Buzz Mobile Revenue

Jul 11, 2008 -- Buzz Technologies Inc (OTC:BZTG) mobile VoIP service which can be used on all iPhones around the World will see additional revenue from the current roll out of iPhone in Asia.( www.12buzz.com)

Buzz iPhone Services

iPhone Email

Email Anywhere - E-mail program that is fully integrated with all desktop, mobile, iPhone, iPod and Blackberry

Email Anywhere puts the world of online communication on your desktop, mobile, iPhone, iPod and Blackberry. If you want to exchange Email, Video or SMS with colleagues, friends or family all the tools you need are here.

If you're looking for an e-mail program that is fully integrated with any device, look no further. This free e-mail application will rival even the most powerful commercial programs.

It's great also for people who want to check their other email accounts with a mail client that is not limited by OS or device.

Here are some key features of Email Anywhere

-- Manage multiple e-mail Accounts

If you have several e-mail accounts, you can work with all of them within one window. You can also create multiple users, or identities, for the same device. Each identity has unique e-mail folders and an individual Address Book. Multiple identities make it easy for you to keep work e-mail separate from personal e-mail, and also to keep individual users' e-mail separated.

-- Browse through messages quickly and easily Using the message list and preview pane, you can view a list of messages and read individual messages at the same time. The Folders list contains e-mail folders, news servers, and newsgroups, and you can easily switch among them. You can also create new folders to organize and sort messages, and then set up message rules so that incoming e-mail that meets your criteria automatically goes to a specific folder. You can also create your own views to customize the way you look at your e-mail.

-- Keep your e-mails, Pictures, Video's, Music on our server so you can enjoy it from more than one device.

Whether or not your email service provider (ESP) uses an Internet message access protocol (IMAP) or POP e-mail server for incoming e-mail, you can read, store, and organize your files in folders on the server without downloading the messages to your device. That way, you can view files from any device as they all can connect to our server.

-- Use the Address Book to store and retrieve e-mail addresses You can save names and addresses in the Address Book automatically by simply replying to a message. You can also import names and addresses from other programs, type them into the Address Book, add them from e-mail messages you receive, or add them from a search. The Address Book supports Lightweight Directory Access Protocol (LDAP) for viewing Internet directory services and ActiveSync.

-- Add a personal signature or stationery to your messages You can insert essential information into outgoing messages as part of your personal signature, and you can create multiple signatures to use for different purposes. You can also include a business card with more detailed information. To make your messages look more attractive, you can add stationery patterns and backgrounds, and you can change the color and style of the text.

-- Send and receive secure messages You can digitally sign and encrypt messages by using digital IDs. Digitally signing your message assures recipients that the message is really from you. 4096 Military Grade Encryption ensures that only intended recipients can read the message.

. Control Spam Settings Specify the level to mark a message as Spam, a value of 10 will mark only the most obvious messages as spam, where a value of 1 will use a more aggressive filter to determine if a message is of Spam origin.

. iPhone - iPod - Mobiles and PDA Everything you can do on your PC, you can now do on these devices with Buzz Email Anywhere.

. All this is free? Yep.

iPhone VoIP

Buzz has developed a line of Callback services which provides customers with three unique ways for making inexpensive calls around the world. No new equipment is needed; you use your existing telephone or mobile phone. It is as easy as using the web, sending an SMS message from your mobile phone or dialing a local access number to initiate a Callback call.

The new iPhone model went on sale in the Asia-Pacific region Friday, making its debut in Japan amid swirling smoke after a 30-second countdown chanted by hundreds of people lined up, some for days, snaking around the block.

The celebration at Japanese carrier Softbank Corp.'s store, which included a digital clock display ticking away over the entrance, was part of a global rollout in 22 nations of the 3G, or third-generation, wireless connecting Apple Inc.'s much-hyped cell phone, an upgrade of the model that went on sale last year in the United States and several other nations.

Australia, New Zealand and Hong Kong were the other Asia-Pacific locations getting the new phone. In the United States, phones will be available at 8 a.m. in each time zone.

Buzz VoIP On the Move on Web

This Callback method allows you to use a web application to initiate a Callback call. By simply accessing Buzz web application, two phone numbers can be connected at a predetermined time. By simply accessing any internet launch point at www.12buzz.com/voip or end users panels to launch a call, the two phone numbers can be connected. You determine the two phone numbers you want to connect and specify the time for the call. Buzz will connect the two phone numbers at the predetermined time.

iPhone VoIP On the Move

Similar to web callback, WAP callback can be initiated from any web enabled mobile phone. Simply go to any WAP enable web page from your mobile devices and initiate a web callback call at www.mobi.12buzz.com. You determine the two phone numbers you want to connect and specify the time for the call. Buzz will connect the two phone numbers at the predetermined time.

iPhone SMS On the Move

Using only a mobile phone, this method allows you to call worldwide by simply sending an SMS or text message. You send a SMS message identifying the phone number you want to call. Buzz SMS On the Move calls back your customer and connects the call to the customer specified phone number.

iPhone ANI On the Move

Buzz's ANI On the Move method allows you to use a local access number to initiate the call. You must first register your phone number using the Buzz VoIP control panel or by using one of our many publicly accessed VIN or DID. The Callback call is initiated by dialing a local access number from any registered phone. You receive a call back from Buzz and the call is connected to any phone number you specify.

The limitations on iPhone VoIP over cellular is probably a requirement from AT&T and is part of their contract. However I would also expect the developers to quickly work their way around this following the lead of Buzz Technologies Inc. However expect to see Skype (NASDAQ:EBAY) and Gizmo Project among others to quickly get their clients out. VoIP on the iPhone would make a great product to use overseas to get around ridiculous roaming charges.

About Buzz

Buzz Technologies, Inc. is a convergent media company with operations ranging from infrastructure development to online retail.

The foregoing press release contains forward-looking statements based on the Company's beliefs as well as assumptions made by and information currently available to the Company, including statements regarding the timing of the introduction of certain products. These forward-looking statements are based largely on the Company's expectations and are subject to a number of risks and uncertainties which are identified and described in the Company's registration statements and periodic reports on file with the SEC, some of which are beyond the Company's control. Actual results could differ materially from these forward-looking statements as a result of a variety of factors including, among others, issues related to the travel and transportation industries, and prevailing economic conditions in general. In light of these risks and uncertainties, or should underlying assumptions prove incorrect, there can be no assurance that the forward-looking statements contained in this press release will in fact transpire or prove to be accurate.

CONTACT: Beth Simpson, Marketing Director, Buzz Technologies, Inc Tel: +66 872 721 727 e-mail: beth@12buzz.com WWW: http://www.12buzz.com

// posted by (hris @ 7:48 PM 0 Comments

With the launch of the latest heavyweight contender in the car insurance quotes industry, The Car Insurance Megastore leads the way. Searching over 317 car insurers and schemes.

March 11 -- On March 1st, 2008 the new car insurance quotes comparison website The Car Insurance Megastore was launched, offering its customers the ability to search a massive range of UK car insurers and schemes. With the completion of one form, it is now possible to search over 317 insurance schemes/providers and obtain the cheapest quote displaying simple and informative results. Even allowing the full viewing of the policy before you buy for total peace of mind.

With the launch of the latest heavyweight contender in the car insurance quotes industry, The Car Insurance Megastore leads the way. Searching over 317 car insurers and schemes, The Car Insurance Megastore hits hard against all Compare.com websites.

There are a huge amount of car insurance comparison websites advertised, such as Compare.com along with a myriad of deals available from the larger retail supermarkets. Yes you want to save time and money, but if you target your requests for quotes properly, you could save hundreds in less than an hour online.

Many car insurance companies claim to offer policies for all types of drivers. Simply asking just any random insurance company for a quote, isn't going to save you money. If you are a new driver, a learner, convicted driver, lady driver, or a motorist with little driving history, you need to get a specialist quote.

This is where car insurance comparison websites step in, enabling you, the customer to compare all these specialist providers by filling out just one form. All the quotes returned will then be organised, with lowest price first. You can then plough through the results simply selecting the right cover for you!

There are a number of price crunching web sites online. To provide you with a rate, they will ask you some basic information about yourself, what level of cover you need, and then request quotes from various different car insurance companies in a single search.

With car insurance premiums climbing higher each year, particularly for learner drivers, students and young drivers, make the insurers work for your business.

If you are in a statistically higher risk driver group, for motor insurance, the more money you will save if you shop around. By using a comparison website, you only have to enter your details once but get a vast number of quotes to select from, saving time and money in your search for car insurance cover.

Where to Look?

With a plethora of car insurance comparison sites to choose from, where do you start? Why not check out the UK's fastest growing car insurance comparison website - Car Insurance Megastore with over 317 insurers and schemes to choose from. With some of the lowest prices on the internet. The only Compare.com Website you will ever need to browse for car insurance.

Press Contact: ANDY BIGGS
Company Name: Car Insurance Megastore
Phone: 0796 000 3186
Website: http://www.carinsurancequotes.uk.com/compare.com.php

// posted by (hris @ 11:30 PM 0 Comments

Fitch Places Two State Loan Pool Programs on Rating Watch Negative

CHICAGO-- July 07, 2008 --Fitch has placed the following state loan pool bond programs which use debt service reserve fund surety bonds from MBIA Insurance Corp. (MBIA) and Ambac Assurance Corp. (Ambac) on Rating Watch Negative:

--Oregon Bond Bank, revenue bonds, rated 'AA';

--New Mexico Finance Authority, subordinate lien public project revolving fund revenue bonds, rated 'AA-'.

In the bond programs above, MBIA and Ambac provide credit enhancement in the form of debt service reserve fund surety bonds, which are sized at the least of maximum annual debt service, 10% of principal, or 125% of average annual debt service. Fitch recently withdrew its rating on MBIA and Ambac and is considering in its reviews on the above loan pool programs how the cash flows are currently performing, their expected performance under various stress scenarios, the likelihood that a claim will be made on the debt service reserve fund surety policy, and other program resources. Fitch is also reevaluating the credit value that Fitch places on the guarantors' abilities to meet their surety bond obligations. In doing so, Fitch will rely on its internal assessments of the guarantors, other agencies opinions, and other market views.

Fitch's rating definitions and the terms of use of such ratings are available on the agency's public site, www.fitchratings.com. Published ratings, criteria and methodologies are available from this site, at all times. Fitch's code of conduct, confidentiality, conflicts of interest, affiliate firewall, compliance and other relevant policies and procedures are also available from the 'Code of Conduct' section of this site.

Contacts

Fitch Ratings
Adrienne M. Booker, +1-312-368-5471 (Chicago)
David Litvack, +1-212-908-0593 (New York)
Christopher Kimble, +1-212-908-0226
(Media Relations, New York)

// posted by (hris @ 11:16 PM 0 Comments

Sun's Chief Open Source Officer disputes Novell CEO's claim that Solaris and OpenSolaris operating systems are going nowhere.

Louisville, KY  - April 15, 2008 -- Novell is the company stuck in an open source malaise, not Sun Microsystems, at least according to Simon Phipps, chief open source officer for Sun. While talking with IT Business Edge, Phipps responded to comments Novell CEO Ron Hovsepian made regarding the future of Sun and OpenSolaris during a recent Linux Foundation podcast. Phipps said that Hovsepian quoted inaccurate download numbers for OpenSolaris while criticizing Sun's open source strategy. 
    
"I think that what Mr. Hovsepian is doing here is 'whistling in the dark,' as they say." stated Phipps. "I think he's worried about the resurgence of a new, fast, innovative OpenSolaris."

Phipps noted that many open source vendors offer commercial and free versions, with support available only for the commercial offering. In response to Hovsepian's suggestion that Sun's strategy for balancing open source and commercial interests isn't right, Phipps said, "Novell's got a big problem. What they're doing is trying to sell open source software as if it was proprietary software. The comment that Mr. Hovsepian made seems to be projecting Novell's malaise onto Sun, but we don't have that malaise. We ship a completely free piece of software that anyone can download and use without any restrictions."

The full interview with Phipps can be viewed at IT Business Edge: http://www.itbusinessedge.com/item/?ci=40871

Find the latest news impacting the open source market at the Open for Business Blog: http://www.itbusinessedge.com/blogs/osb/


About IT Business Edge and NarrowCast Group LLC
IT Business Edge delivers the information, analysis and context that business technology decision makers need to devise strategies, optimize resources and capitalize on IT investments. As a Technology Intelligence Agent, we provide our audience with practical online content and useful tools different from anything offered by traditional IT publishers, news services or analyst firms. IT Business Edge features our business-focused blogs, exclusive interviews with field experts and industry insiders, plus our database of more than 25,000 abstracts summarizing content from 3,500-plus sources.

IT Business Edge is published by NarrowCast Group, LLC, a privately held online media company that targets high-level business technology decision-makers. The company offers IT vendors varied opportunities to access this coveted audience through high-impact advertising and lead-generation programs. Through an array of partnerships with other publishers, NarrowCast Group also markets select books, training products and software tools directly to its subscribers, creating a diverse revenue model while meeting the comprehensive information needs of its customers.

Press Contact: Jeff Yocom
Company Name: NarrowCast Group/IT Business Edge
Phone: 502-515-6461
Website: http://www.itbusinessedge.com/

// posted by (hris @ 1:09 PM 0 Comments

Lowest Gas Prices and Gas Savers from GovernmentAuctions.org

Find out how to get the best bang for your buck at the gas pump from the leading bargain hunter website.

Great Neck, NY - July 3, 2008 -- With skyrocketing gas prices, many Americans have substantially scaled down their travel plans, shopping trips, family visits, and just about every activity that involves their automobiles. Sales of bulky SUVs have plummeted, and the sales of fuel-efficient hybrid cars are on a steep rise.

GovenmentAuctions.org (http://www.governmentauctions.org), the leading bargain-hunter website that provides information on government auctions and foreclosures has decided to step in and provide some relief. To this end, while the prospect of cheaper gasoline does not seem to be in anyone's future, there are quite a number of ways to stretch your gas dollars to achieve substantially more mileage per tank. These include techniques for saving at the pump, taking care of and making minor modifications to your car, and changing your driving habits.

"Keeping your car in shape, which includes paying attention to your engine, your tires, car liquids, and making minor aerodynamic modifications can increase your gas mileage by up to 25 percent," says company president Ian Aronovich, adding that "getting yourself into the habit of driving more efficiently can also save you up to $2.00/gallon." Moreover, as another company spokesman points out, you can also substantially stretch you gas dollars in the way that you fill up your automobile.

To provide some relief for it's members' pocket books this summer, GovernmentAuctions.org is giving away a special comprehensive report on how to save money on soaring gas prices and to economize so as squeeze the most out a tank of gas. The report contains more than 30 money saving tips that will make the summer driving season more economical for you and your family, and is free to all GovernmentAuctions.org members.

Why is GovernmentAuctions.org giving away this "Saving Money on Gas" report (https://www.governmentauctions.org/register.asp) to its members? "As a website tailored to bargain hunters of every stripe GovernmentAuctions.org is a top-notch resource for those wishing to save money generally," says Aronovich. "We have labored hard to make this happen and we intend to continue improve our offerings to meet needs of our bargain minded customers and the public at large, and so while this is not directly related to the site's core business, it's something important enough to address, especially in light of the recent spikes in already inflated gas prices and their the paralyzing effect."

About GovernmentAuctions.org®

GovernmentAuctions.org (http://www.governmentauctions.org), a division of Cyweb Holdings Inc., is a membership-based web site for bargain hunters that helps its users find and participate in government auctions of seized and surplus property. It also provides its members with access to its nationwide database of real estate foreclosure listings across the United States.

About Cyweb Holdings Inc.

Cyweb Holdings, Inc. (http://www.cywebholdings.com) is a company that, through its divisions and holdings, provides high quality web-based information services to the public and other businesses. The company consists of personnel and management who, combined, have extensive experience in business, government, law, software and technology, and who have committed themselves to use their backgrounds and knowledge to create, sustain, and invest in superior information
products in various markets.

Interview Contact: I. Aronovich Tel: 516-467-4518 Fax: 516-706-1072 Attn: PR URL:

http://www.governmentauctions.org Business Address: 70 Middle Neck Rd., Suite 5, Great Neck, NY 11021


Contact Information
I. ARONOVICH
GovernmentAuctions.org
http://www.governmentauctions.org
(516) 467-4518

// posted by (hris @ 8:29 PM 0 Comments

American Security Bank Opens Newport Beach Branch, Commercial Real Estate Division and Administrative Banking Offices at 1401 Dove Street

SANTA ANA, Calif.-- July 03, 2008 --David T. Blankenhorn, President/CEO of American Security Bank, announced that the Bank will relocate its full-service banking office and Administrative offices, currently housed at 1 MacArthur Place, Santa Ana, and its Commercial Real Estate Division, located at 1451 Quail Street, Newport Beach, to a new 10,000 square foot commercial office building located at 1401 Dove Street, Newport Beach, in the heart of the financial district. The move to the new location, under consideration since early 2007, will more effectively position the organization to conveniently serve business owners in the Newport Beach, Irvine, and Costa Mesa markets.

Shirley Wentzel, Senior Regional Vice President, and her Relationship Banking team, Lisa Gorelick, Sylvia Ucciferro and Robin Schmidt-Brown, will personally assist business clients from a state-of-the-art facility featuring ATM access, ample parking, and comfortable, sit-down teller stations. The Relationship Banking team, led by Ms. Wentzel, is strongly established in the Newport Beach market, having served the Newport Beach community for more than sixteen years before joining American Security Bank in June 2005.

"The Bank's search for the right location, one large enough to consolidate three of our largest divisions, with good visibility and portraying an image that represents the strength and character of our franchise, has had extremely productive results. Not only does Shirley Wentzel and her talented Relationship Banking team have a history in the financial corridor, but our Executive Vice President, Manager of Commercial Real Estate, Jim Roberson, and I have both worked in this particular geographic area in the past with very successful results," states David T. Blankenhorn, President and CEO.

American Security Bank provides a full complement of business and personal banking services, referring to themselves as the "Right-Sized" bank - large enough to handle even your most aggressive business plan, and personal enough to make the process simple.

The new location of American Security Bank will be open for business on July 7th. The first 50 business owners to establish relationships with the bank in the new office will receive a $100 Visa Gift Card to thank them for supporting the Bank in its new location, as well as becoming Charter Account Holders and enjoying deeply discounted checking and cash management services.

American Security Bank's headquarters office is now located in Newport Beach, CA. The Bank has assets totaling $464 million (as of June 30, 2008.) It operates full-service banking offices in Newport Beach, Laguna Niguel, Apple Valley (Spirit River and Jess Ranch), Lancaster, Victorville and Corona. Loan Production offices serve the cities of Covina, Newport Beach and Palmdale; giving the Bank a footprint in four counties: Los Angeles, Orange, Riverside, and San Bernardino.

Member FDIC

Contacts

American Security Bank
Cynthia Schneider, SVP, Marketing
951-372-8930

// posted by (hris @ 11:30 PM 0 Comments

A.M. Best Comments on UnitedHealth Group Inc.'s Earnings Guidance and Settlements

OLDWICK, N.J.-- July 03, 2008 --A.M. Best Co. has commented that the ratings of UnitedHealth Group Inc. (UnitedHealth) (Minnetonka, MN) (NYSE: UNH) and its subsidiaries remain unchanged following the company's release of a revision to earnings guidance and reduced second quarter and full year 2008 earnings. UnitedHealth also announced a settlement in the federal securities class action and Employee Retirement Income Security Act (ERISA) lawsuits.

On July 2, 2008, UnitedHealth announced a revision to its earnings outlook for 2008 following an assessment of preliminary second quarter 2008 results and recent business trends. The company's risk-based commercial business produced a lower level of gross margin than expected due to increased pressure on premium yields, which are resulting from a competitive commercial business environment. Furthermore, UnitedHealth is experiencing a decrease in the gross margin for Medicare Part D and Medicare Chronic Special Needs Plans.

Additionally, UnitedHealth announced that it had reached an agreement to settle both the federal securities class action and ERISA lawsuits. Both lawsuits arose from UnitedHealth's historical stock option practices. As a result of the settlements, UnitedHealth will pay $895 million pre-tax into a settlement fund for the benefit of class members of the federal securities class action lawsuit and $17 million into a settlement fund for the benefit of ERISA class members. UnitedHealth's insurance carriers will cover the majority of the ERISA settlement.

A.M. Best expects UnitedHealth to continue to experience pressure in the commercial market, which may result in lower margins. The result of these announcements and the subsequent payment for the settlements are expected to increase UnitedHealth's debt-to-capital ratio above 40%, should the company use debt for the payment. While A.M. Best is not comfortable with an increase in the debt-to-capital ratio above 40%, A.M. Best expects the ratio to remain less than 45% and for this ratio to return to 40%by second quarter 2009. A.M. Best also expects UnitedHealth's earnings before interest and taxes (EBIT) interest coverage to remain at 10 times or greater. Additionally, A.M. Best would like UnitedHealth to scale back its share repurchase program until the debt-to-capital ratio decreases to 40%.

On January 29, 2008, A.M. Best issued a press release announcing a downgrade to the ratings of UnitedHealth Group and select subsidiaries. At that time, A.M. Best considered the change in the company's capital structure and increase in debt-to-capital ratio in the rating action.

If UnitedHealth's debt-to-capital ratio increases above 45% or if the company announces another negative revision to earnings (including any additional settlements or fines), a negative rating action may occur. Additionally, A.M. Best would take into consideration the magnitude of the amount of any settlement or fine in any rating action. A.M. Best will continue to monitor the financial results and risk-based capitalization of UnitedHealth and its insurance subsidiaries, as well as continue its ongoing dialogue with company management.

Founded in 1899, A.M. Best Company is a global full-service credit rating organization dedicated to serving the financial and health care service industries, including insurance companies, banks, hospitals and health care system providers. For more information, visit www.ambest.com.

Contacts

A.M. Best Co.
Analysts:
Sally Rosen, 908-439-2200, ext. 5280
sally.rosen@ambest.com
or
Kenneth Frino, 908-439-2200, ext. 5012
kenneth.frino@ambest.com
or
Public Relations:
Jim Peavy, 908-439-2200, ext. 5644
james.peavy@ambest.com
or
Rachelle Morrow, 908-439-2200, ext. 5378
rachelle.morrow@ambest.com

// posted by (hris @ 12:25 PM 0 Comments

Worsening Economy is Driving Job Seekers to Self-employment

VIRGINIA BEACH, Va.-- July 03, 2008 --Forced retirement, job cutbacks, and economic uncertainty all point to a safety net of a recession-proof franchise opportunity. Liberty Tax Service is experiencing a tremendous response to its franchise opportunity. "When job security goes away, many people decide to take the future into their own hands," according to John Hewitt CEO and Founder of Liberty Tax Service. (www.libertytaxfranchise.com). The company offers low start-up costs and the certainty of filing income tax returns to provide an enticing business opportunity that's a part of the American way of life.

In 2008, the gloomy forecast is that corporate layoffs could increase up to 37 percent. Contrast that with the tax industry that historically has delivered a growing market of taxpayers every year. Approximately 62% of all taxpayers paid someone to prepare their taxes in 2008, up from 51% in 1994.

Liberty Tax and CEO John Hewitt are garnering many accolades for a superlative franchise opportunity that welcomes a diverse America to join its ranks. Hewitt has 39 years of tax industry experience, the most of any CEO in the tax preparation business. He is the only founder of two franchises that Entrepreneur magazine has ranked in the top 25 of their Franchise 500: Liberty Tax Service and Jackson Hewitt Tax Service (NYSE:JTX).

"Our franchisees continue to be the cornerstone of our success. For the sixth year in a row, Liberty grew by more returns (raw numbers) than H&R Block and Jackson Hewitt combined," noted Hewitt. "We are focused on providing an affordable opportunity for new franchisees, and great support so that our existing franchisees can add additional offices. These key factors will allow us to open a projected 400 new offices for tax season 2009."

Liberty Tax franchising is a fit with various life scenarios: keeping a day job while starting a franchise, entry into the tax business with little or no experience, and the challenge of a busy seasonal business.

A tax background is not a requirement. Top performing Liberty Tax franchisee, Annie Fuller of Newberry, South Carolina lacked any previous tax experience. "I followed the Liberty Tax Service system, held tax schools for training, and hired the best people who were stars in the customer service arena," said Annie. "I'm obviously not a bean counter." By Tax Day, April 17th 2007, Annie's first-year Liberty Tax office in Newberry finished #1 in the entire Liberty Tax Service operating system for first-year stores with a company record of 1658 returns prepared. She was first in the system for second year offices in 2008.

About Liberty Tax Service:

Founded in 1997 by CEO John T. Hewitt, Liberty Tax Service (www.libertytax.com) has prepared over 6,000,000 individual income tax returns. The Liberty Tax franchise opportunity is ranked highly on Entrepreneur's "Franchise 500" for affordability, low cost and overall potential. The company is a member of the International Franchise Association and its MinorityFran and FranVet outreach programs. John Hewitt is available for interviews on franchising issues and entrepreneurial advice.
Contacts

Liberty Tax Service
Martha O'Gorman
Chief Marketing Officer
800-790-3863 ext. 8022
martha.ogorman@libtax.com

// posted by (hris @ 12:08 PM 0 Comments

Protus Responds to Patent Lawsuit brought by j2 Global Communications

OTTAWA-- July 03, 2008 --Fast growing Canadian technology company Protus IP Solutions responded today to a competitor's patent infringement suit by noting that the asserted patents are not relevant to the company or any of its products.

The plaintiff (j2 Global Communications) has accused Protus' popular MyFax Internet fax services of infringing two patents. The lawsuit was filed in the Eastern District of Texas.

Last year Protus defeated j2 Global Communications in another patent lawsuit filed in the United States District Court for the Central District of California. Judge Dean Pregerson issued an order on November 13, 2007 dismissing the case against Protus, with prejudice (meaning the patents cannot be reasserted against Protus). The case was closely followed by technology and communications companies because j2 Global Communications, prior to targeting Protus, licensed the patents to more than 30 companies. Protus was the first company to challenge these patents in the courts and was awarded a decisive victory.

"This is another meritless case by j2. In the last case the court held that the patents did not apply to Protus' services," said Andrea Girones, General Counsel at Protus. "We are confident that this case will be dismissed as well."

"I'm not surprised that j2 feels compelled to continue to clog the courts with these unfounded lawsuits," said Joseph Nour, Protus' Chief Executive Officer. "Protus' MyFax is the fastest growing Internet fax service in the market and is aggressively gaining market share against j2's eFax. We are confident that we will win this case on its merits and MyFax will continue to erode j2's market share."

About Protus

Protus® provides the highest quality software as a service (SaaS) communications tools for small-to-medium-businesses (SMB) and enterprise organizations, including award-winning MyFax, the fastest growing Internet fax service; my1voice, the cost-effective, feature-rich virtual PBX phone service that travels with the user from phone to web; and Campaigner and CampaignerPro, software-as-a-service email marketing solutions with advanced automation features. Protus' commitment to delivering a superior user experience has resulted in a continually growing and loyal customer base, allowing market leadership in industries including finance, insurance, real estate, healthcare, transportation and government. For more information about Protus and its family of communication tools, call 888-733-7007 or visit www.protus.com.

Contacts

Protus
Sue Rutherford
613-733-0000 x 519 or srutherford@protus.com
Tech Image
Tracy Shryer
847-279-0022 x230 or tracy.shryer@techimage.com

// posted by (hris @ 11:47 AM 0 Comments

MoneyGram Announces Program to Protect Consumers Against Fraud

MINNEAPOLIS-- July 02, 2008 --MoneyGram International is adding to its existing efforts to protect consumers from fraud-induced money transfers in response to concerns from state Attorneys General. Through an agreement of voluntary compliance, MoneyGram is taking steps to enhance consumer protections and further address the problem of wire transfer fraud. The company and 44 states plus the District of Columbia are cooperating on a five-year plan to raise public awareness of the dangers of fraud through a variety of tactics including enhanced consumer education, more prominent fraud warnings for money transfer customers and enhanced training for agents.

Besides enhancing its own education efforts, MoneyGram will contribute $1.1 million to the AARP Foundation for Consumer Education to fund a fraud awareness program aimed at the elderly, who are often targets for fraud. This program is expected to get underway in the next three to six months.

"We are very pleased to help launch this program," said Tony Ryan, Executive Vice President and Chief Operating Officer of MoneyGram International. "We are committed to helping to stop fraud and protect consumers, and we know that this is an issue that none of us can tackle alone."

"AARP Foundation's fight against consumer fraud advances AARP's goal of ensuring the economic security of people 50 and over," said AARP Foundation President Robin Talbert. "Preventing consumer fraud and abuse are critical components of financial security. AARP, the AARP Foundation and hundreds of community volunteers have been fighting fraud directed at older consumers for more than 10 years. We are very proud of our outreach and education."

MoneyGram will also pay $150,000 to the Attorneys General Executive Committee to cover costs.

MoneyGram International, Inc. is a leading global payment services company. The company's major product and services include global money transfers, money orders and payment processing solutions for financial institutions and retail customers. MoneyGram has 152,000 global money transfer locations in 180 countries and territories. For more information, visit the company's website at www.moneygram.com.

Contacts

MoneyGram International
Michael Fox, 203-682-8218
mfox@icrinc.com

// posted by (hris @ 7:01 PM 0 Comments

Reality TV Show Looks for Inventors in Texas

How TV Shows and Internet Sites Help Thousands of Aspiring Inventors Transform their Big Ideas into Reality. Everyday Edisons has announced the casting calls for Season 3, with the next auditions being held at the Dallas Convention Center today, starting at 7am. Internet sites such as IdeaTango help inventors through online resources and community forums.

Dallas, Texas  -  March 16 -- Exactly how can the average person transform a mere sketch on a napkin into a useful product available to the masses? This was the question that Louis Foreman wanted to answer when he created Everyday Edisons, the inventor reality TV show on PBS. After two successful seasons, Everyday Edisons has announced the casting calls for Season 3, with the next auditions being held at the Dallas Convention Center today, starting at 7am.

Inventors are often not aware about the multi-step product development process through which a basic concept is transformed into a marketable product. This is where television shows like Everyday Edisons or websites like Dallas-based IdeaTango.com come into the picture.

Whereas some are able to take their ideas to the masses through TV reality shows, many more can interact through IdeaTango features like a virtual trade show, a yellow pages for service providers, community forums, and most importantly, educational guides to help inventors launch their million-dollar idea.

IdeaTango.com president and founder Bryan Daigle says, "It's great to see how Everyday Edisons is helping the independent inventors and bringing so many brilliant ideas into the market." "As thousands of inventors line up across the country for a shot at big time, we're also meeting many of these inventors along the way, helping them to turn their dreams into reality."

The Everyday Edisons show will be looking at a range of inventions, and also at those in various states of development, from simple concepts and sketched ideas to detailed, patented designs and factory prototypes. The finished products will also be reviewed by representatives from the major retailers.

In addition to the casting call, there will also be a series of seminars and an opportunity to meet with experts from the United States Patent and Trademark Office (USPTO). Everyday Edisons is produced with the cooperation of the United States Patent & Trademark Office, and like IdeaTango, hopes to propel thousands of local inventors into the spotlight.

About Everyday Edisons
Everyday Edisons is a reality TV show that airs on PBS, and follows inventors as they go from idea to product. The show's producers and industry experts work with all the contestants, helping them to succeed in the development and marketing of their inventions. Everyday Edisons is a production of Bouncing Brain Productions.

For more information about Everyday Edisons, visit www.everydayedisons.com

About IdeaTango.com
As seen on The Big Idea with Donnie Deutsch, local and national news stations across the country, and one of the largest technology blogs, Gizmodo, Dallas-based IdeaTango.com is a one-of-a-kind social networking site specifically created to help inventors act on their great ideas. This "ingenuity community" provides inventors interactive, collaborative, and educational tools to help inventors connect with valuable resources, and one another. IdeaTango is also the winner of the Rice Alliance 2007 "Most Promising" Web 2.0 Company award.

More information about IdeaTango.com is available at www.ideatango.com

Press Contact: Bryan Daigle
Company Name: IdeaTango.com
Phone: 214-680-3551
Website: http://www.ideatango.com

// posted by (hris @ 10:00 AM 0 Comments

Open Source Telephony - Is it Disruptive or an Evolution?

LONDON-- July 01, 2008 --Open source telephony is gradually gaining traction in Europe due its cost advantages over proprietary IP PBX and call centre products. Frost & Sullivan's analysis shows that the cost of an open source telephony 'line' can be up to 40 per cent less than an averagely priced IP PBX/Communication Manager. Total cost of ownership (TCO) comparison indicates a similar picture, with the cost benefits far greater in a call centre environment and in settings where the proportion of 'professional services fee' is higher.

New analysis from Frost & Sullivan (http://www.enterprise.frost.com), European Open Source Telephony Market, finds that the market shipped more than 74,000 lines in 2007 and estimates this to reach 1.95 million in 2013.

Frost & Sullivan studied a number of 500+ extension deployments in the open source telephony markets. Some of them included complex integration, while others were across numerous sites distributed across continents. These deployments are testimony of the capabilities of the technology and the expertise of the people supporting it.

"Our research finds that many of the open source telephony vendors have been enjoying a very high growth rate," notes Frost & Sullivan Research Analyst Dorota Oviedo. "Several notable open source telephony vendors are investing in the European market and 2008 will be dominated by channel activities, especially channel recruitment and training. Established participants will be investing to expand their footprint mainly through distribution."

Nevertheless, mindshare and user acceptance of open source telephony is relatively low at present. Open source telephony vendors face a huge challenge in competing against participants that use proprietary technologies. These vendors benefit from their well-established (legacy) market position, brand image, strong distribution network and strong relationship with the customer base.

"The biggest challenge that the open source market has been facing and gradually overcoming is the issue of negative market perceptions," says Oviedo. "Open source projects are relatively young and thus, struggle with market concerns and perceptions of lack of support, scalability, functionality or reliability."

Open source telephony vendors should invest in building awareness through site visits, publishing success stories, and so on. Research suggests that once prospects overcome the initial reluctance and run a test system, success rate for open source telephony deployment is relatively high.

If you are interested in a virtual brochure, which provides manufacturers, end users and other industry participants with an overview of the European open source telephony market, then send an e-mail to Joanna Lewandowska, Corporate Communications, at joanna.lewandowska@frost.com, with your full name, company name, title, telephone number, company e-mail address, company website, city, state and country. Upon receipt of the above information, an overview will be sent to you by e-mail.

European Open Source Telephony Market is part of the Enterprise Communications Growth Partnership Service programme, which also includes research in the following markets: business telephony, telephony endpoints, peer-to-peer telephony, mobile enterprise, and unified messaging. All research services included in subscriptions provide detailed market opportunities and industry trends that have been evaluated following extensive interviews with market participants. Interviews with the press are available.

Frost & Sullivan, the Growth Partnership Company, partners with clients to accelerate their growth. The company's TEAM Research, Growth Consulting and Growth Team MembershipT empower clients to create a growth-focused culture that generates, evaluates and implements effective growth strategies. Frost & Sullivan employs over 45 years of experience in partnering with Global 1000 companies, emerging businesses and the investment community from more than 30 offices on six continents. For more information about Frost & Sullivan's Growth Partnerships, visit http://www.frost.com.

European Open Source Telephony Market

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Contacts

Frost & Sullivan
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Joanna Lewandowska, +48 22 390 41 46
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