Postage Meter Machine Blog

Secrets How To Survive This Mortgage Market Collapse

2008-07-18T23:36:00.000-05:00

New Radio Show Reveals Insider Secrets How To Survive This Mortgage Market Collapse

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

Program Limits Homeowners, Mortgage Brokers, and Lenders

2008-07-17T14:42:00.000-05:00

Bills.com Launches 'Know Your Limits' Program for Homeowners, Mortgage Brokers and Lenders

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

First-Timers Prefer Virgin Money

2008-07-16T19:23:00.000-05:00

Virgin Money USA Leads Industry in Private Mortgage-Based Loans

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

US Property Real Estate Financing and Mortgage Lending for non-US citizens

2008-07-15T11:50:00.000-05:00

Finance North America Offers Real Estate Financing and Mortgage Lending of U.S. Property for citizens of Canada, Europe, Asia, Latin America and Australia

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

Despite Credit Crunch Homeowner Loans Activity Increasing

2008-07-14T09:20:00.000-05:00

Homeowner Loans Are on the Rise, Despite Credit Crunch

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

Prescription for Avoiding Subprime Mortgages

2008-07-13T11:50:00.000-05:00

Bills.com's Housser Provides Prescription for Avoiding Subprime Mortgages

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

Mortgage Brokers, Real Estate Agents, and Realtors Find Hope

2008-07-13T11:41:00.000-05:00

Real Estate Agents, Realtors, and Mortgage Brokers Find Hope in Internet Marketing at WowInternetBusiness.com

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

New, Flexible Individual Health Insurance Plans

2008-07-13T01:01:00.000-05:00

HumanaOne Introduces New, Flexible Individual Health Insurance Plans in Nine States

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/

Mobile Revenue Frenzy From Smart Phones

2008-07-11T19:48:00.000-05:00

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

Compare Car Insurance Quotes from over 317 Insurers

2008-07-09T23:30:00.000-05:00

New Compare.com Website Launched - Compare Car Insurance Quotes from over 317 Insurers throughout the UK

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

Negative Watch Rating On State Loan Bonds

2008-07-07T23:16:00.000-05:00

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)

Executive Says Sun Company Not Suffering from Open Source or open sores

2008-07-07T13:09:00.000-05:00

Sun Executive Says Company Not Suffering from Open Source Malaise Stifling Novell

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/

Gas Savers And Lowest Gas Prices from Government Auctions

2008-07-04T20:29:00.000-05:00

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

New American Security Bank Commercial Real Estate Administrative Banking Offices Opens

2008-07-03T23:30:00.000-05:00

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

UnitedHealth Group Inc.'s Earnings Guidance and Settlements Generates Comments

2008-07-03T12:25:00.000-05:00

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

Job Seekers Driven To Self-Employment By Worsening Economy

2008-07-03T12:08:00.000-05:00

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

j2 Global Communications Patent Lawsuit Gets Protus Response

2008-07-03T11:47:00.001-05:00

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

Program to Protect Consumers Against Fraud

2008-07-02T19:01:00.001-05:00

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

Inventors Wanted For Texas Reality TV Show

2008-07-02T10:00:00.000-05:00

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