Web Site Protects Home Renters When Foreclosure Crisis Threatens

Foreclosure Crisis Threatens Potential Home Renters But One New Web Site Offers Protection

Many looking for rental homes risk costly problems and future evictions without realizing it, but CheckForForeclosure.com has an easy solution.

Los Angeles, CA - June 28, 2008 -- Alarming numbers of would-be home renters sign expensive leases and rental agreements not knowing that the homes they are about to rent are already in foreclosure. Fortunately, people who are searching the classifieds for a rental home can take advantage of a new service and Web site - CheckForForeclosure.com, Giving Renters the Notice they Need (http://www.CheckForForeclosure.com) - that provides access to inside information about potential landlords and lets would-be renters know if they are about to walk into a trap.

The newest tragic twist in the nationwide mortgage and housing crisis is creating havoc and distress for many unwary consumers. Very few people who shop for a rental home are even aware of the growing problem, and fewer still know how to protect themselves from signing up for a disaster when they go out to look for a rented or leased home, condo, or apartment. In some cases those who sign new leases are evicted within days of moving into a home or apartment - without refunds of payments or deposits.

CheckForForeclosure.com was created by knowledgeable real estate industry professionals to specifically address the needs of consumers who might otherwise become ensnared in the renters in foreclosure crisis. Some classified ad pages in foreclosure-prone cities are riddled with listings for rentals that are - although innocent consumers do not realize it - about to be repossessed by banks and mortgage companies. Unless someone shopping for an apartment or home rental has the ability to look beyond the advertising hype and spin and find out which rentals are dangerous, there is no way to pick the winners from the losers. Looking for a rental becomes a game of Russian roulette unless consumers take steps to get the information they need to make safe and informed choices.

Bankers and landlords are not required by law to disclose an imminent foreclosure to a renter, and real estate laws generally protect landlords and lenders while offering little help for victimized renters. That leaves renters to fend for themselves, so taking the time and making the effort to investigate the foreclosure filing status (http://www.CheckForForeclosure.com) of a potential rental property is a wise investment and a good insurance policy against foreclosure rental headaches and heartaches. In today's treacherous housing environment, it pays to take full advantage of services like those offered by CheckForForeclosure.com to ensure peace of mind for one's family.

Contact Information
Steve Gold
SG1 Investments, Inc.
http://www.CheckForForeclosure.com
702-987-4846

Hedge Funds within a Wealth Management Strategy White Paper

White Oaks Wealth Advisors Releases New White Paper

MINNEAPOLIS--  June 26, 2008--White Oaks Wealth Advisors, Inc. today released its latest addition to its series of white papers on wealth management topics affecting upper income and net worth issues. The latest entitled ''Hedge Funds within a Wealth Management Strategy'' was authored by Robert Klosterman who is the Founder, President & CEO of White Oaks Wealth Advisors, Inc.

"There is a lot of mystery shrouding the hedge fund space and the purpose of this paper is to pull open the drapes and let the sun shine in on the terminology and the potential uses of these specialized vehicles. Clearly there are unique and specific risks associated with these investment choices," remarked Sharon Bloodworth, Vice President of White Oaks, "and investors should be aware of what they are and consider their impact carefully when considering their use within an investment strategy."

"Hedge Funds are a broad and non-descriptive term that is used to cover numerous strategies," added Klosterman, "and our intent is to provide a tool for investors in order for them to start the process of understanding their options."

White Oaks Wealth Advisors, Inc. is a private, fee-only wealth management firm with offices in Minneapolis, MN and Sarasota, FL that specializes in simplifying the complexities of wealth for upper net worth individuals. The firm offers an advisory team with over 60 years of experience in areas such as retirement planning, investment advice and management, estate planning, tax planning, stock option exercise, charitable gift planning, qualified plan distribution planning, and many other issues that individuals face in meeting and achieving their financial security goals.

White Oaks Wealth Advisors, Inc. has been honored by having team members listed on the ''Top 250 Financial Advisors'' by Worth Magazine, ''Top Dogs'' by Bloomberg Wealth Manager, ''5 Star Advisor'' by Paladin Registry, ''Best 150 Advisors for Doctors'' by Medical Economics and ''100 Top Advisors'' by Mutual Funds Magazine.

Contacts

White Oaks Wealth Advisors, Inc.
Robert Klosterman, 612-455-6900

Three New Practical Mortgage Industry Guides

AllRegs Releases Three New Practical Guides

EAGAN, Minn.-- June 24, 2008 --AllRegs, the leading publisher of guidelines for the mortgage industry, announced the release of three new online Practical Guides focused on mortgage servicing. The titles include Escrow Analysis, FHA Foreclosure and Mortgage Servicing.

"The state of the mortgage industry has created a new set of challenges for servicing departments," said Dan Thoms, senior vice president of AllRegs. "These Practical Guides specifically target issues of specific concern to today's mortgage servicing professionals."

Practical Guides are searchable online instruction manuals for a given topic. These virtual how-to guides are concise, complete bodies of work that use the AllRegs search engine with direct links to online regulations. Content is plainly written with easy-to-follow charts, worksheets and forms. Each guide is available exclusively through AllRegs and features liberal site licensing, allowing registered users to simultaneously access their own virtual copy to bookmark and annotate as they please.

Practical Guides are also available through the Learning Pass subscription program. On both an individual and corporate-wide basis, Learning Pass subscribers have access to all seven practical guides and over 20 self-study online courses at a low annual cost.

Should you have any questions regarding the practical guides or the Learning Pass subscription program, please contact AllRegs Customer Service at (800) 848-4904 Monday through Friday between the hours of 8:00 a.m. and 6:00 p.m. CDT or e-mail help@allregs.com.

About AllRegs:

First introduced in 1989, AllRegs is used by virtually all of the top 100 lenders as well as throughout numerous governmental agencies, including Fannie Mae, Freddie Mac, the FHLBs, FHA, VA, RHS, Ginnie Mae, and more. AllRegs is the exclusive electronic publisher of the Fannie Mae and Freddie Mac Single and Multi-Family Seller/Servicer Guides, The Federal Home Loan Banks' MPF Program Guidelines, and CalPERS' Member Home Loan Program Guidelines. Products include single and multifamily underwriting & insuring guidelines as well as federal compliance laws and regulations, state compliance laws and regulations with plain-language analyses, contract publishing services for retail and wholesale lenders and a library of historical guidelines. The educational division, AllRegs Academy, offers distance learning, classroom training, and a series of online Practical Guides. For more information call (800) 848-4904 or go to www.allregs.com.

Contacts

Media contact for AllRegs
Meredith Boyd, 678-781-7219

$66 Million to Velocita Wireless From Factoring Company to Support Acquisition of SkyTel

Factoring Company Provides $66 Million Factoring Facility to Velocita Wireless to Support Acquisition of SkyTel, from Bell Industries, Inc.

A leading factoring company, has signed an agreement to provide a $66 million accounts receivable factoring facility to a leading provider of wireless data services. The accounts receivable factoring facility was a key element of the funding package which enabled the New Jersey based network operator to complete the acquisition of a complimentary wireless technology business, providing nationwide wireless data and messaging services. At a time when borrowing facilities are extremely difficult to negotiate Platinum distinguished themselves with their speed of decision, flexibility and willingness to work to get the deal done.

New York, NY - June 17, 2008 -- Platinum Funding Group, a leading factoring company, has signed an agreement to provide a $66 million accounts receivable factoring facility to a leading provider of wireless data services. The accounts receivable factoring facility was a key element of the funding package which enabled the New Jersey based network operator to complete the acquisition of a complimentary wireless technology business, providing nationwide wireless data and messaging services.

Factoring

With its headquarters in New Jersey, this national wireless network operator focuses on the M2M market. The company offers wireless data machine-to-machine (M2M) products including automatic vehicle location (AVL), telematics, point-of-sale, security and energy solutions to enterprise and government customers. Its network operates in 50 states covering 93 percent of all U.S. businesses and 220 million people.

The accounts receivable factoring facility provided by Platinum Funding Group will also assist the combined entity to consolidate its position as one of the leading M2M providers in the U.S. providing comprehensive, reliable and secure communication solutions.

"Platinum's ability to think outside the box, and find creative solutions for complicated transactions is a necessity in the current financial environment," said Eyal Levy, founder and CEO of Platinum Funding Group. "Platinum's assistance in several acquisitions lately, when liquidity is limited, makes us an attractive instrument for investment banks, private equity and venture capital firms."

Russell Backhouse, the CFO who co-ordinated the transaction with Platinum added, "At a time when borrowing facilities are extremely difficult to negotiate Platinum distinguished themselves with their speed of decision, flexibility and willingness to work to get the deal done."

Mark Hull, CEO said, "This acquisition clearly benefits all of our customers as together we are an even stronger company with a long-term commitment to messaging, data and the M2M market."

About Platinum Funding Group:
Platinum Funding Group, a leading factoring company, provides clients with accounts receivable financing, purchase order financing, letters of credit, bridge funding, and accounts receivable management. Established in 1992, the factoring company has been consistently assisting companies with annual sales revenue between $1 million and $150 million. Platinum provides premier factoring services and possessions the financial resources to serve the needs of its invoice factoring clients across more than 30 industries, issuing same day advances on accounts receivable to early-stage companies, fast growing firms, and companies in Chapter 11. Platinum Funding Group is headquartered in New York City and has regional offices throughout the U.S.

Platinum Funding UK Limited commenced operations out of its United Kingdom office in the spring of 2008. Through its UK affiliate, Platinum Funding Group has expanded its services to include purchases of international receivables, with a focus on the European market.

By SEO Factor.

CONTACT INFORMATION
Danielle Lacombe
Platinum Funding Group
646-315-7200

Cobi babchuk
Platinum Funding UK Limited
646-315-7200

Solution to Real Estate Mortgage Crisis Needed

Real Estate Center Economist: Different Solution to Mortgage Crisis Needed

The five-year freeze on mortgage interest rates recently announced by the federal government may be intended to help responsible homeowners avoid foreclosure, but a noted economist with the Real Estate Center at Texas A&M University says there may be a better solution to the mortgage crisis.

College Station, Tex.  -  December 19 -- The five-year freeze on mortgage interest rates recently announced by the federal government may be intended to help responsible homeowners avoid foreclosure, but a noted economist with the Real Estate Center at Texas A&M University says there may be a better solution to the mortgage crisis.

"The federal government has to be very careful in addressing this problem," said Dr. Mark Dotzour, the Center's chief economist. "Aggressive government intervention in the mortgage market will only create additional uncertainty for bond investors. Freezing interest rates is a bad idea. When you tell an investor that the contract they hold is no longer valid, it constitutes actual taking of private property."

Dotzour added that if the government intervenes and rewrites the terms of existing mortgage contracts, bond investors will become leery of buying mortgage bonds in the future and will demand higher interest rates for the higher perceived risk.

Research Economist Dr. James Gaines, also with the Center, agrees, calling the basic premise of the plan shaky and the details sketchy.

"For the most part, the homeowners and borrowers likely to benefit from the interest rate freeze are the very same people who would have the best chance of renegotiating their loans with the lender in the first place — a borrower with a relatively sound credit rating and a history of making payments who simply needs a little help to keep from going into full default," Gaines said.

So how can the federal government speed the recovery process in the U.S. housing markets?

The first thing the government should do, Dotzour said, is cut short-term interest rates to 2 or 3 percent. At the same time, they could aggressively purchase mortgage bonds and long treasuries to drive down the ten-year yield, which Dotzour said has already dropped below 4 percent in the past six months.

After that, the government needs to address the increased risk premium in the mortgage market by establishing conservative mortgage guidelines and creating a new government "seal of approval" for mortgage loans that meet standard underwriting guidelines. Dotzour said this would help raise confidence in private bond rating agencies and the mortgage insurance industry.

"Together, these efforts would drive down mortgage interest rates dramatically and allow American homeowners to refinance," Dotzour said. "This looks like heavy-handed government intervention into the housing market, but we are likely to see heavy-handed intervention anyway, so we might as well do something that might actually work."

The Real Estate Center (http://recenter.tamu.edu) has been providing solutions through research for 35 years. Funded primarily by Texas real estate licensee fees, the Center was created by the state legislature to meet the needs of many audiences, including the real estate industry, instructors, researchers and the general public.

Note to Editors
To interview Dr. Mark Dotzour, call 979-862-6292

Additional research information:

Dr. James Gaines, 979-845-2079

Other contacts: Bryan Pope, 979-845-2088, BPope(at)mays.tamu.edu. For information on the Real Estate Center, contact Senior Editor David. S. Jones at 979-845-2039 (voice), 979-845-0460 (fax) or djones(at)recenter.tamu.edu. More than 29,000 pages of data are available at the Center's web site.

Press Contact: Dr. Mark Dotzour
Company Name: The Real Estate Center
Phone: 979-862-6292
Website: recenter.tamu.edu

Take Control of Health Insurance Costs With Health Insurance Agency's Help

North Carolina Health Insurance Agency Help Consumers Take Control of Health Insurance Cost

Business, Economy, Finances, Banking & Insurance

Press release from: nchealthbenefits.com
PR Agency: Adviatech Corp

21.05.2008 - (openPR) - Many North Carolina health insurance consumers would love to lower their premiums, but are frightened by the idea of higher deductibles leading to financial problems in the event of an accident or illness. It can seem pointless to save money on premiums each month when those savings can be wiped out by one medical event.
For consumers in this situation, McLeod Insurance Agency, LLC., is pleased to offer access to Blue Cross and Blue Shield of North Carolina (R)'s BlueOptions Health Savings Account (SM) Over three million consumers nationwide have already taken advantage of programs like this one, which couples a low-premium, high-deductible health insurance plan with a tax-free savings account.

These health savings accounts offer insurance consumers tax deductions based on their yearly contributions to their medical savings account(up to $2900 yearly for individuals and $5800 yearly for families), tax-free investment earnings, and tax-free withdrawals for medical expenses. BlueOptions HA'S (SM) also enable families and individuals to grow savings that can be used to cover procedures and preventive measures that are sometimes neglected by typical health insurance policies. Two additional benefits conferred by HSAs are the liberty to choose where and whom to visit for medical procedures, and the portability of a health insurance plan that follows the insured from job to job, plan to plan, and state to state.
Consumers taking advantage of BlueOptions HSAs (SM) enjoy many of the same benefits associated with a traditional health insurance plan: prescription coverage, child coverage, preventive care, and a nationwide network of qualified providers. Those who choose BlueOptions (SM) have the added bonus of tax-advantaged payments and withdrawals and the relief of greatly reduced premiums (up to 50% in many cases).

BlueOptions HSAs (SM) are also available for business environments, enabling large businesses the freedom to cut costs and small businesses the potential to offer employer-paid health insurance for the first time.
To lean more visit: www.nchealthbenefits.com

Adviatech Corp., PR for nchealthbenefits.com
9280 Bay Plaza Blvd Suite 706
Tampa, FL 33619
1.813.600.3017

NChealthbenefits.com offers health insurance in North Carolina. Their preferred North Carolina Health Insurance provider is Blue Cross and Blue Shield of North Carolina (R).
http://openpr.de/news/45118/North-Carolina-Health-Insurance
-Agency-Help-Consumers-Take-Control-of-Health-Insurance-Cost.html

Webcast Financial Events Announced

Cypress Announces Webcasts of Upcoming Financial Events

Webcasts Will Be Available on Cypress's Website at: http://www.cypress.com/investors
JPMorgan 36th Annual Technology Conference
Lehman Brothers Worldwide Wireless and Wireline Tech Conference
Cowen 36th Annual Technology Conference

SAN JOSE, Calif.-- May 14, 2008 --Cypress Semiconductor Corp. (NYSE:CY) today announced that it will be making presentations at a number of events targeting financial institutions, investors and analysts.

On May 19, Cypress's Executive Vice President of Finance and Administration and Chief Financial Officer, Brad Buss, will address the JP Morgan Annual Technology Conference at the Westin Boston Waterfront Hotel in Boston, Mass. The presentation will be at 10:40 a.m. Eastern Daylight Time. Buss will also address the Lehman Brothers Worldwide Wireless and Wireline Technology Conference on May 29 at 12:30 p.m. EDT at the Hilton Hotel in New York City.

Also on May 29, Senior Vice President and Treasurer, Neil Weiss will address the Cowen 36th Annual Technology Conference in New York. The presentation will be at 2:35 p.m. EDT at The Plaza Hotel in New York City.

All presentations will be available live and on-demand through Cypress's website at: http://www.cypress.com/investors. The webcasts will be archived for two weeks.

About Cypress

Cypress delivers high-performance, mixed-signal, programmable solutions that provide customers with rapid time-to-market and exceptional system value. Cypress offerings include the PSoC® Programmable System-on-ChipT, USB controllers, general-purpose programmable clocks and memories. Cypress also offers wired and wireless connectivity solutions ranging from its WirelessUSBT radio system-on-chip, to West BridgeT and EZ-USB® FX2LP controllers that enhance connectivity and performance in multimedia handsets. Cypress serves numerous markets including consumer, computation, data communications, automotive, industrial, and solar power. Cypress trades on the NYSE under the ticker symbol CY. Visit Cypress online at www.cypress.com.

Cypress and the Cypress logo, PSoC and EZ-USB are registered trademarks of Cypress Semiconductor Corporation. Programmable System-on-Chip, WirelessUSB and West Bridge are trademarks of Cypress Semiconductor Corp. All other trademarks are the property of their respective owners
Contacts

Cypress CorpCom
Ed Rebello, 408-545-7665
ewr@cypress.com

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