Homeowners Receiving Structured Settlement Payments Get Foreclosure Assistance

Woodbridge Investments to Offer Foreclosure Assistance to Homeowners Receiving Structured Settlement Payments

Woodbridge Investments, LLC. a structured settlement factoring company has today announced a new program designed to aid homeowners who are facing foreclosure.

Studio City, CA  -  March 15 -- Woodbridge Investments, LLC. a structured settlement factoring company has today announced a new program designed to aid homeowners who are facing foreclosure.

The newly implemented "Woodbridge Home Owner Relief Program" will allow homeowners who are receiving structured settlement, annuity, or lottery payments to instantly borrow up to $20,000 against their settlements to reinstate or pay delinquent mortgage payments.

Heading up the innovative new program is Sofia Ekberg, who has an extensive background in debt negotiation with banks nationwide. Sofia stated, "My experience with homeowner relief programs acted as the catalyst for the idea to offer loans to homeowners receiving structured settlements."

Ms. Ekberg further added, "Management at Woodbridge Investments was thrilled with the idea and has set aside a fund to immediately begin making loans."

To qualify, an individual must own a home and at the same time be receiving a structured settlement, annuity or lottery payment.

About Woodbridge: Woodbridge Investments and its predecessor companies have been purchasing Lottery Payments, Structured Settlements and other cash flows since 1993. Over a thousand individuals and families have relied on Woodbridge to realize a large lump sum from the sale of their long term payments.

Press Contact: Jennifer Fiero
Company Name: Woodbridge Investments, LLC
Phone: 1-866-865-7044
Website: www.woodbridgeinvestments.com

---

Structured settlements  are when someone receives financial or insurance periodic payments that was accepted to settle a claim such as a personal injury tort or pay off a statutory periodic payment obligation. Structured settlements were first made during the 1970s as an alternative to lump sum settlements that might cause a large corporation to go out of business. Structured settlements is part of statutory tort law in the United States. Structured settlements may or may not include income tax and spend thrift requirements and benefits. The structured settlement payments may be called periodic payments and a structured settlement that is incorporated into a trial judgment is called a periodic payment judgment.

Recession Rescued By Bad Credit Loans

Bad Credit Loans to the Recession Rescue

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

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

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

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

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

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

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

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

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

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

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

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

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

Auction Rate Credit Linked Certificates Downgraded

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

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

Capstan Master Trust Series 1

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

Capstan Master Trust Series 2

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

Capstan Master Trust Series 3

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

Capstan Master Trust Series 4

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

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

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

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

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

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

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

Contacts

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

Foreclosed and Lender-Owned Property Search Declared Possible

Searches for Foreclosed and Lender-Owned Properties Now Possible

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

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

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

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

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

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

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

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

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

Housing Prices Down By 0.4% In Real Estate Report

Real Estate Report: Housing Prices Down By 0.4% In February

For-sale listed property inventories increased in 19 of 22 markets identified in the March Real Time Real Estate Report.

Mountain View, CA  -  March 13 -- The Altos 10-City Composite showed a decline in asking prices of 1.6% over the past three months and continued that decline in February with a decrease of 0.4% for the month. Prices of properties listed for sale fell in 15 of 22 major markets according to the Real-Time Real Estate Report, jointly published by Altos Research, the premier source for real-time real estate research, and market analysis consultancy Real IQ™.

Asking prices fell at the fastest rate in San Diego, down 3.0% during February and 5.2% for the most recent three-month period. Prices also fell by more than two percent in the Detroit, Los Angeles and Las Vegas markets during February. Prices increased in Chicago, Charlotte, New York, Dallas, Phoenix and Houston during February and were flat in Seattle.

"We are seeing some stability in asking prices as a result of seasonal reductions in inventory during the past winter months," said Stephen Bedikian, partner and research director for Real IQ. "Unfortunately we also saw an increase in listed property inventories this month which is atypical this early in the year. Only a sustained reduction in inventory will arrest the market's fall nationally."

For sale property inventories increased in 19 of 22 markets during February. The Altos 10-City Composite showed a supply increase of 2.5% for the month. Property inventories declined in only three markets: Chicago, Indianapolis and San Francisco.

Data in the Real-Time Real Estate Report is based on analysis of over one million homes currently listed for-sale in 22 metropolitan markets across the country. The report is the most timely source of real estate data available.

"Inventory growth combined with the recent rise in mortgage rates and reported job losses does not bode well for future price stability," said Michael Simonsen, CEO and co-founder of Altos Research. "We expect housing price declines to resume in earnest during the next several months."

The Real-Time Real Estate Report also found that time-on-market remained high. Miami and Detroit experienced the longest time-on-market spans with an average days-on-market of 146 and Minneapolis was close behind at 145 in February. Seventeen of 22 markets had an average days-on-market of over 100. Denver led all markets with the fastest rate of inventory turnover at an average of 77 days-on-market, followed by Dallas at 79 days.

The report examines housing pricing, inventory levels and market conditions in 22 major U.S. metropolitan statistical areas (MSAs): Atlanta, Austin, Boston, Charlotte, Chicago, Cleveland, Dallas, Denver, Detroit, Houston, Las Vegas, Los Angeles, Miami, Minneapolis, New York, Phoenix, Portland, San Diego, San Francisco, Seattle, Tampa, and Washington, DC. The Real-Time Real Estate Report is released every month.

About Altos Research
Altos Research LLC pioneered real-time real estate research. Founded in 2005, the company's information products serve investors, traders, and thousands of real estate professionals. Because real estate data is traditionally obscure and highly latent, Altos built the Real-Time Market Intelligence(TM) platform to monitor dozens of housing market metrics as they are right now in local markets across the country. The company publishes real estate reports and real estate data each week for thousands of zip codes around the country.

About Real IQ
Real IQ provides housing market analysis and consulting services to leading mortgage and real estate companies. More information about Real IQ is located at www.realiq.com.

Press Contact: Michael Simonsen
Company Name: Altos Research
Phone: 888-819-7775
Website: http://www.altosresearch.com

Consolidate Outstanding Debts With Bad Credit Loans

Take Advantage of Bad Credit Loans to Consolidate Outstanding Debts

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

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

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

According to recent reports from the Telegraph and BBC News:

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

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

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

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

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

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

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

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

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

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

Secrets How To Survive This Mortgage Market Collapse

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

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

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

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

Real Estate Deals Found Thrill Homebuyers

Homebuyers are Thrilled with the Deals to be Found through the Latest Real Estate Trend to Hit California-An Online Auction

With low minimum bids and increased FHA loan limits, homebuyers are racing to get an amazing deal on a brand-new, luxury home in the California Central Valley with the click of a mouse. The Freedom Realty Exchange, the nation's leading online home auction website, is offering more than 60 gorgeous new homes in Gridley, Lathrop, Madera and Kerman on www.FRE.com/193R4. With about two weeks until the bid deadline, interested homebuyers are encouraged to visit the website and register to participate in the online auction as soon as possible.

Newport Beach, CA  -  March 27 -- A new luxury home valued at more than $700,000 for a buck seems too good to be true, but that really was the starting bid for several of the homes in an online auction currently on the Freedom Realty Exchange website (www.FRE.com/193R4). With about two weeks until the bid deadline, prospective homebuyers are jumping on the bandwagon and bidding to get a deal on one of more than 60 brand-new, luxury homes located in several cities across the California Central Valley.

The online auction includes 15 homes in Gridley, a quaint community between Chico and Yuba City; 18 homes in Lathrop, a short commute from the San Francisco Bay Area; and a total of 29 homes in Madera and Kerman, quiet suburbs just outside of Fresno.

Though originally priced as high as $715,000, the Freedom Realty Exchange, which is part of the LFC Group of Companies, the nation's premier online real estate auction marketing firm, is offering these homes with minimum bids as low as $140,000, in addition to the model homes that started at $1. Although most of these model homes are no longer going for their $1 minimum bids, their current high bids are considerably low, so interested homebuyers can still purchase one of these homes at a steal if they act fast.

More exciting news for homebuyers is the recent announcement by the Federal Housing Administration that FHA loan limits in these Central Valley counties have increased significantly, affording potential homebuyers an even better opportunity to buy a new home.

The spacious homes feature three to five bedrooms and two to four bathrooms, and range from approximately 2,000 sq. ft. to over 3,500 sq. ft. Many of these beautifully crafted homes are fully-upgraded and include attractive features like hardwood floors, granite countertops, central air conditioning, energy efficient windows, recessed lighting and walk-in closets.

"What differentiates these homes from all of the competition out there is that they have been built to the highest standard of quality," says Kelly Lovegrove, Director of Operations at the LFC Group of Companies. "We have received rave reviews from prospective bidders who have gone out to visit the properties over the past few weeks. They have expressed how beautiful these homes are and even compared them to 'celebrity' houses," continues Lovegrove.

There has never been a better opportunity to get a deal on that new, luxury California home you've always dreamed of. Forget wasting an entire day at a foreclosure auction in a hotel ballroom or convention center, this online auction makes it simple and convenient to purchase a gorgeous new home at a great price. The bid deadline is Thursday, April 10, so there is still plenty of time for interested buyers to visit the homes, prequalify for financing and place a bid with the click of a mouse. For more information and to register to participate in the online auction, go to www.FRE.com/193R4.

Freedom Realty Exchange - part of the LFC Group of Companies
For more than 30 years, the LFC Group of Companies have served numerous Fortunate 500 companies, real estate developers, investors, financial institutions and government agencies by auction-marketing thousands of commercial, industrial, land and residential properties with an aggregate value well in excess of $5 billion. www.FRE.com

Press Contact: Ashley Carvalho
Company Name: LFC Communications, Inc.
Phone: 949-706-6135
Website: www.FRE.com

Despite Credit Crunch Homeowner Loans Activity Increasing

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

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

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

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/

Sales of iPhone 3G Kicked By Telecommunications Giant

AT&T Kicks Off Sales of iPhone 3G Phone

Online Resources Available to Help Customers Prepare for Purchase

Variety of Attractive Plans Combine Voice and Unlimited Data

Dallas, Texas, July 11, 2008 - AT&T begins selling iPhone 3G today in its retail stores at 8 a.m. local time across the United States, along with a variety of attractive monthly plans that combine voice and unlimited data use. iPhone 3G uses the nation's fastest 3G wireless network, which reaches 300 major metropolitan areas.

Pricing and Eligibility
AT&T Inc. (NYSE:T) has announced that AT&T is making it easy for customers to prepare for their iPhone 3G purchase by posting "Get iReady" tips and frequently asked questions at www.att.com/iphone. The site also includes a link for customers to check their upgrade eligibility and other wireless account information.

iPhone 3G phones will be available for $199 for the 8GB model and $299 for the 16GB model. These prices require two-year contracts and are available to the following customers:

    * iPhone customers who purchased before July 11*
    * Customers activating a new line with AT&T
    * Current AT&T customers who are eligible, at the time of purchase, for an upgrade discount

Current customers who are not eligible for an upgrade discount can purchase iPhone 3G for $399 for the 8GB model or $499 for the 16GB model. Both options require a new two-year service agreement. Current customers may also choose to wait until they become eligible for an upgrade discount. Eligibility is generally determined by amount of time remaining on a current contract and payment history.

Current AT&T customers who are upgrading to iPhone 3G will pay an $18 upgrade fee and new AT&T customers will pay the standard $36 activation fee.

Voice, Data and Text Messaging Plans
AT&T brings iPhone 3G customers the best coverage on the globe and the largest mobile-to-mobile calling community with unlimited calling to AT&T's 71.4 million wireless customers. iPhone 3G customers can choose from four individual AT&T Nation plans, which bundle voice and unlimited data (e-mail and Web browsing).

    * AT&T NationSM Unlimited: Includes unlimited Anytime Minutes for $129.99 a month.
    * AT&T Nation 1350: Includes 1350 Anytime Minutes and unlimited Night & Weekend Minutes for $109.99 a month.
    * AT&T Nation 900: Includes 900 Anytime Minutes and unlimited Night & Weekend Minutes for $89.99 a month.
    * AT&T Nation 450: Includes 450 Anytime Minutes and 5,000 Night & Weekend Minutes for $69.99 a month.

All AT&T Nation and AT&T FamilyTalk® plans for iPhone 3G include nationwide long distance and roaming, Visual Voicemail, Rollover®, unlimited Mobile to Mobile calling, Call Forwarding, Call Waiting, Three-Way Calling and Caller ID.

AT&T will offer FamilyTalk plans, with bundled voice and unlimited data, starting as low as $129.99 a month for two iPhone 3G lines. Up to three additional iPhone lines can be added for $39.99 each.

Unlimited text messaging can be added for an additional $20 ($30 for FamilyTalk plans of up to five lines); $15 (1,500 messages), or $5 (200 messages).

Additional Tips for Consumers
New AT&T customers who wish to port or retain their phone number from another wireless carrier should consider bringing a copy of a bill from their current service provider. Customers will be asked to provide account information as it appears on record with their current provider, including:

    * Account number
    * Name of the account holder
    * Account holder's SSN or Tax ID
    * Billing address
    * PIN or password (if applicable)

Customers who inherit an original iPhone from a friend or family member will need to request a SIM card from AT&T for the phone and activate the device using the in-home activation process through iTunes.

Customers should listen to voice mail messages on their current devices and write down any necessary information before purchasing iPhone 3G, because existing voice mail messages will be lost when upgrading to iPhone's Visual Voicemail feature.

AT&T will offer accessory bundle options specific to iPhone 3G in its retail stores.

iPhone 2.0 Software
All iPhone customers will benefit from the iPhone 2.0 software, which will be pre-loaded on all iPhone 3Gs and available as a free download for current iPhone customers. The new software will include numerous enhancements, such as business-class e-mail access via Microsoft Exchange ActiveSync; the iPhone Software Development Kit (SDK), which allows a business to easily create applications customized to its needs; and the App Store, available at www.apple.com/webapps, which offers a wide-range of applications - from games to business, education to entertainment and productivity to social networking.

For example, AT&T has developed YELLOWPAGES.COM Mobile for iPhone, which takes local mobile search to a new level by allowing users to discover businesses and local events based on their popularity among other iPhone users, get directions and access business reviews. Numerous enterprise applications are and will continue to be available on iPhone 3G, via the App Store, including Oracle's CRM, collaboration and e-mail applications.

iPhone for Business
Oracle and Kraft Foods Inc. are among the first business customers to deploy iPhone 3G. Business customers interested in iPhone 3G should contact an AT&T business sales representative or review their account information online to determine their eligibility for upgrade pricing. Corporate e-mail and other business applications require the Enterprise Data Plan for iPhone, which is $45 a month and bundled with an eligible voice plan. Small business customers may qualify for AT&T BusinessTalk, the industry's only shared plan specifically for small businesses. Additional details on iPhone business offerings are available at www.att.com/iphoneforbusiness.

*iPhone 3G is available to customers who are currently prepaid customers; however, there is no prepaid plan for iPhone 3G. Additionally, customers' accounts must be in good standing at the time of purchase.

---

AT&T Offers Nation's Fastest 3G Network

Nation's Fastest 3G Network Complements Best Global Coverage and Industry-Leading Portfolio of 3G Devices

Dallas, Texas, July 10, 2008 - For customers who want access to blazing-fast wireless broadband service, there's one clear choice among all U.S. carriers. AT&T Inc. (NYSE:T) today announced it offers the nation's fastest third-generation (3G) network, according to data compiled by leading independent wireless research firms. AT&T's superfast 3G mobile broadband network is currently available in nearly 300 major U.S. metropolitan areas, with plans to expand to nearly 350 by the end of the year. In addition, AT&T has the best global coverage of any provider with roaming available in more than 200 countries, including more 3G roaming than any other carrier.

The fastest 3G network claim is based on a variety of tests conducted by leading third-party researchers, who downloaded a variety of applications and files to test throughput and overall performance. AT&T was the winner by a significant margin.

AT&T also announced it has started doubling the data capacity of its 3G markets, and nearly half of all cell sites will receive additional 3G capacity by the end of the year. The additional capacity will help accommodate the anticipated growth of 3G subscribers over the next several years. According to the Yankee Group, the number of 3G subscribers in the U.S. is expected to increase by 160 percent by 2012.

"We've invested billions of dollars in our 3G network, and now we can proudly claim it as the nation's fastest 3G network," said Ralph de la Vega, president and CEO of AT&T's wireless unit. "We will continue to expand our 3G network coverage into new areas, grow our lineup of industry-leading devices, such as iPhone 3G, and deliver compelling new 3G services to market like Video ShareSM. And to top it off, only AT&T offers the best global coverage. AT&T's ability to serve its wireless customers is unparalleled in our industry."

Between 2005 and 2008, AT&T will have invested more than $20 billion in network improvements and upgrades - an average of $5 billion a year. Much of this network investment has gone to build out the 3G broadband data network, which today is available in 296 major metropolitan markets. In addition, the company is deploying additional 3G coverage using 850 megahertz (MHz) spectrum that is now available from the recent sunset of its older TDMA network. This spectrum extends farther and better covers the interior of buildings.

In addition to the company's constant 3G expansion in the U.S., only AT&T can offer 3G data roaming in 60 countries, including Japan and South Korea, as well as voice calling in more than 200 countries. Nearly all devices in AT&T's current portfolio are "world phones" that can be used around the world.

Another advantage of AT&T's 3G network is the ability for customers to simultaneously use voice and data features. For example, customers can make a call while checking for a local address on YELLOWPAGES.COM.

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Sprint's "iphone clone" the Samsung Instinct priced at $129.99

Daytona Beach, FL (PRunderground) June 20, 2008 - Sprint's highly anticipated phone, the Samsung Instinct, goes on sale Friday. Sprint has announced via a press release that the instinct will cost $129.99, with a 2 year contract after a $100 mail-in rebate. The Samsung Instinct is Sprint's answer to the iPhone, which is slated to cost $199 next month.

There is a catch. Sprint also announced that activation of the Instinct requires a pricing plan offering unlimited data. Customers can choose from Everything plans for individuals starting at just $69.99 per month for 450 voice minutes or Talk/Message/Data Share plans for families starting at $129.99 per month for 1500 voice minutes to share between two lines.

The Instinct is a touchscreen device that includes EV-DO Rev. A, which is equivalent to AT&T's 3G speeds, for Web browsing, e-mail and more. The Instinct has already been awarded such honors as "Most Innovative Product at CTIA Wireless 2008?, and "Best Cell Phone" by CNET's CTIA 2008 awards. Only time will tell if Sprint has a winner with the Samsung Instinct. To purchase a Samsung Instinct you can visit http://samsunginstinctstore.com

About SamsungInstictStore.com
SamsungInstinctStore.com provides access to the best deals on Samsung Instinct phones and accessories. For more information please visit http://samsunginstinctstore.com

CONTACT INFORMATION:
Michelle Wagner
contact@samsunginstinctstore.com
http://samsunginstinctstore.com

Mobile Revenue Frenzy From Smart Phones

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

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

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)

Gas Savers And Lowest Gas Prices from Government Auctions

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

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

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

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

Program to Protect Consumers Against Fraud

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

Trust Deed Investing Made Easy

Seven Steps to Trust Deed Investing

Free Guide to Trust Deed Investing Now Available

LOS ANGELES-- July 01, 2008 --Trust deed investing, one of the banking industry's greatest source of profit, is a detail-rich undertaking replete with risks that need to be properly managed, explained Kevin DeMeritt, president of Wilshire Finance Partners.

To make the investment as profitable as possible, investors must be aware of seven important steps to successful investing, he noted. A new guide provides details of the steps.

Among the seven steps are: how to calculate a true protective equity position on potential trust deed properties, how to look into a borrower's credit history, and how to make sure the borrower has a clear exit strategy in order to get loans paid back.

For a free copy of Seven Steps to Successful Trust Deed Investing visit: www.wilshirefinancepartners.com.

Headquartered in Los Angeles, CA, Wilshire Finance Partners, an asset-based commercial real estate lending institution, is located at 1990 S. Bundy Dr. #630; Los Angeles, 90025. Phone: 866-575-5070; 310-736-1370; www.Wilshirefp.com.

Contacts

for Wilshire Finance Partners
C. Keefer Soderbergh, 310-394-7763
christine@keeferpr.com