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Tips to help avoid traps that can drop your credit risk rating Manage the credit you don’t use. WiredPRNews.com - It is easy to apply for a store credit card today and then forget all about it in three years. However, that account will remain on your credit report and affect your credit score as long as it is open. Having credit lines and credit cards you don’t need makes companies view you as a bigger credit risk because you run the risk of “overextending” your credit. Having lots of accounts you don’t use also increases the odds that you will forget about an old account and stop making payments on it, resulting in a lowered credit score. Only keep open accounts that you currently use and make sure that all other accounts are closed. Having fewer accounts will make it easier for you to keep track of your debts and will increase the chances of you making all payments on time while maintaining a good credit score. However, you must realize that when you close an account, the record of the closed account remains on your credit report and that can also affect your credit score for a while. In fact, closing unused credit accounts may actually cause your credit score to drop in the short term, as you will have higher credit balances spread out over a smaller overall credit account base. For example, if your unused accounts amounted to $2,000 and you owe $1,000 on accounts that you have now (let’s say on two credit cards that total $2,000), you have gone from using one fourth of your available credit ($1,000 owed on a possible $4,000 you could have borrowed) to using one half of your credit (you owe $1,000 from a possible $2,000). This will actually cause your credit risk rating to drop. In the long term, not having the extra temptation to charge and resisting credit that you don’t need can work for you. Limit inquiries on your credit report. Every time someone looks at your credit report, an inquiry is noted. If you have many inquiries on your report, it may appear that you are shopping for several loans at once or that you have been rejected by lenders. Both can make you appear to be a poor credit risk and may affect your credit score. This means that you should be careful about who you allow to access your credit report and when. If you are shopping for a loan, do so within a short period of time because inquiries made within a few days of each other will generally be lumped together and counted as one inquiry. You can also cut down on the number of inquiries on your account by approaching lenders you have already researched and may be interested in doing business with. By researching first and approaching second you will likely have only a few lenders accessing your credit report at the same time, which can help save your credit score. Written by: Michael Malloy ( The Credit Physician ) This author has been researching the anatomy of the credit report for years, giving readers the information to empower them to take control of there credit reports. Would you eat a sandwich in a can?
2010-08-15 18:13:22 (GMT) TiffNews10 WiredPRNews.com Kirkland is quoted in the report as stating of the product, “So think about it… You’re a mom running your kids between school, piano lessons, soccer. Stopping at a fast-food restaurant takes time. This is something that literally could roll around the car for a few months. … I kind of compare it to bottled water when it first came out. At the time I thought, ‘Why would I pay a dollar for a bottle of water when I can just go to the water fountain?’ Now I drink bottled water every day. It’s convenient.” More information about the product may be available at Win A Free E Cigarette
Madison, Wisconsin USA (WiredPRNews.com) - The electronic cigarette has taken off in popularity lately due to smoking bans going into effect across the nation. Smokers are also facing higher than ever prices to buy their cigarettes. To combat the rising prices and bans, a popular e cig review site, Electronic Cigarette Nation, has announced that they will be giving away a free e cigarette starter kit. Other sites have offered free disposable electronic cigarettes, but few have offered a kit that is fully re-chargeable and re-usable like the 510 Titan starter kit being given away by Electronic Cigarette Nation. Electronic Cigarette Nation has just re-launched their site with a new design focused on providing video reviews so users can see the electronic cigarettes in action, rather than take someone’s word for it. The overall design offers ease of navigation through the sites large amount of resources. Joe Sweeney of Electronic Cigarette Nation said, “Their are many review sites that offer little information, no video evidence of how well the electronic cigarette works, and they push over-priced e cigs to consumers in an effort to receive high payouts.” Electronic Cigarette Nation is aiming to change this philosophy by providing high quality, honest reviews. The site is regularly updated with blog posts and new e cig reviews to ensure that information is out there to those who are looking for a great smoking alternative. Along with the site re-design, Electronic Cigarette Nation launched a new forum. In order to encourage users to start posting in the forum, they are giving away a free Titan 510 E-Nic Compact Starter Kit that comes in 6 different colors (Red, Pink, Gold, White, Black, and Platinum). The kit comes with 1 manual battery, 1 atomizer, 1 USB charger, 1 10mL bottle of 18mg Tobacco or Menthol E Liquid, and 3 510 refillable cartridges. This is a great kit for first time electronic cigarette users. Ryan of Electronic Cigarette Nation said, “We chose the 510 model because it has been established as an authority model to current e cig users around the world. It offers a reliable and easy to use experience for all skill levels.” To enter the contest, users must post quality content in the new forum launched by Electronic Cigarette Nation. The details of the contest can be found at: This contest is only open to consumers over the age of 18 as Electronic Cigarette Nation has been a strong advocate of keeping electronic cigarettes out of the hands of underage kids and teens. The contest will end on September 30th and a winner will be drawn on October 1st. The starter kit comes from a leading e cigarette company named Totally Wicked E Liquid who has operations both in the US and in the EU. This contest is only open consumers with a US shipping address. Joe added, “This will be a great way to create a collective nation of electronic cigarette users. They will be able to read reviews from forum members as well as the knowledgeable staff at Electronic Cigarette Nation.” webmaster@electroniccigarettenation.com Martha Lane Fox’s ‘Network Nation’ will help the jobless in UK WiredPRNews.com - Internet millionaire Fil Adams Mercer put his support squarely behind the Coalition Government’s plans to get 10 million more Britons to use the internet. “There were seven million jobs advertised online last year. 900,000 unemployed people do not currently use the internet. It’s a no brainer,” said Mr Adams Mercer, whose online parcel company Parcel2Go has grown to a £16 million business. Martha Lane Fox, the Government’s ‘digital champion’ and founder of Lastminute.com, intends to have 100% of the British public online by the Olympic year 2012 with her ‘Network Nation’. The potential savings for Government are obvious if a higher percentage of administrative functions can be performed online. “We’re not advocating that everyone has a computer at home. There has been so much ICT (information and communication technologies) investment into communities – into schools, into GP surgeries, into libraries. For example, there are 500,000 computers locked up in schools every night. That’s just dumb, especially now, when we need to be sweating our assets as much as we can,” she said. The Prime Minister said: “We need to ensure that people aren’t being left behind as more and more services and business move online. Promoting digital inclusion is essential for a dynamic modern economy and can help to make government more efficient and effective.” Mr Adams Mercer also said that there was huge wastage of IT equipment in the UK. “Some companies and individuals are upgrading and discarding computers every year. The Government should introduce a financial incentive to recycle as much of that kit as possible within the community,” he said. About Parcel2Go Parcel2Go has struck partnerships with the world’s leading worldwide shipping companies, including FedEx, DHL, UPS and City Link in order to offer customers a cheaper and more flexible parcel delivery service. The company was founded in 2000 by Fil Adams-Mercer following the successful sale of a video rental business to Blockbuster. The business was borne out of a magazine distribution interest which operated out of a stairwell of one of the video stores in Bolton. The company developed an online presence during the first dot.com boom and has since steadily grown to be one of the UK’s leading parcel delivery services. Delta to allow booking on Facebook Atlanta – Delta Air Lines Inc. is set to begin allowing passengers to book flights on Facebook. As reported by the Associated Press (AP), the airline announced on Thursday that it has launched a Facebook “Ticket Window,” making it the first to provide customers with reservation access on the social networking site. Delta, which has also recently redesigned its website, has purportedly stated the change will aid them in facilitating more direct customer interaction online. As noted in the report, the Atlanta based airline also plans to make changes to its website and airport kiosks as well as launch an application for the iPhone for customers in the coming weeks, which will enhance their experience with tasks such as flight check in. A-Power Teams with Steel Workers for Wind Energy Project The United Steelworkers (USW) announced it has signed agreements with A-Power Energy Generation Systems Ltd and Shenyang Power Group, two of China's leading power generation companies. August 09, 2010 /EIN Presswire/ -- The United Steelworkers (USW) announced it has signed agreements with A-Power Energy Generation Systems Ltd and Shenyang Power Group, two of China's leading power generation companies. With this agreement, the USW will guide and work collaboratively on all aspects of the companies' U.S. market strategies including manufacturing, assembly, component sourcing, distribution and wind energy project development. "We will work with A-Power and SPG to create long-term, good-paying, green American jobs," said USW International President Leo W. Gerard. "The USW is committed to building a strong domestic supply chain that will be key to the future of America's global renewable energy leadership." A-Power and SPG anticipate purchasing approximately 50,000 tons of steel to be manufactured in unionized American steel mills to supply the towers for a 615 megawatt wind farm in Texas New Website Celebrates National "Work on Your Website" Month Bellevue, WA, August 07, 2010 --(PR.com)-- Tooliedotter Press announced today that they're marking the 20th Anniversary of the World Wide Web by declaring August 2010 as the First Annual "Work on Your Website" Month. Owner and publisher Jocelyn "Toolie®" Garner stated that their new website, www.WorkOnYourWebsite.com, is focused on providing guidance and connections to free and low-cost website, blog, and Internet marketing training for struggling small businesses. As a first step, WorkOnYourWebsite.com is sponsoring 3 online webinars this month on "Effective Websites and Blogs," Email and Social Media Marketing," and "Selling Products and Services Over the Internet." Visitors to the website can also utilize the impressive collection of links to free and low-cost resources that have been previously tested by Ms. Garner, who uses them both in her own business and with clients. There are descriptions of existing Internet Marketing training products and services, and a blog for tracking progress and sharing success stories. "There are global opportunities for small businesses to sell their goods and services, and legitimate ways to conduct business online, but many small business owners lack the knowledge to effectively use the Internet," says Ms. Garner. "We also want to draw attention to the plight of out-of-work people who could be learning to share their skills, knowledge, and products over the Internet if they knew where to find the training. Our company produces website, blog, and Internet Marketing training tailored to the needs of these individuals and small businesses. We focus on web skill-building that permanently empowers them. We invite the public to join us for our free training events this month. Sign-up and registration details can be found on the website, www.WorkOnYourWebsite.com." Tooliedotter Press® is an independent publisher of an eclectic mix of small business products and services, including ebooks; website, blog, and Internet Training course materials; online webinars; and live training events. We offer both print and electronic publishing to meet the demands of today's digital lifestyle. Tooliedotter Press is a member of the Independent Book Publishers Association and a Charter Member of the Internet Association of Information Marketers. Founded in 2003, Tooliedotter Press is celebrating 7 years of publishing success. Amadeus Consulting Becomes a Certified Google Adwords Partner Amadeus Consulting is excited to announce that it has become a Certified Google Adwords Partner. The company is one of the first companies to take advantage of a revamped certification program from Google. Boulder, CO, August 07, 2010 --(PR.com)-- Amadeus Consulting, a custom software development company, announced today that it is one of the first companies to become a Google Adwords Certified Company, under Google's new certification program. To meet this distinction companies must pass the new more advanced certification exams, illustrating practical expertise in managing accounts, and agree to terms and conditions representing Adwords. Google announced on Monday, April 26 that it was radically changing its advertising certification program to include better training, improved focus on practical application and specialist knowledge in specific areas. The pilot Google Advertising Professionals program was launched in 2004 and due to the changing Internet advertising landscape Google decided to retire the old program and replace it with a new rigorous, strategy-focused version. The new program offers participants a broader curriculum covering the latest tools and best practice techniques, as well as advanced study paths and exams that allow for differentiation in three key areas: search, display and reporting & analysis. The new certification also offers individuals an opportunity to achieve qualification in AdWords, as well as a way for companies with qualified individuals to achieve Certified Partner status. With the recent program change Amadeus Consulting has seized the opportunity to be one of the first companies to be able to gain this new status. Becoming a Certified Google Adwords Partner allows Amadeus Consulting the ability to enhance the company's existing Search Visibility and Conversion Optimization Service line. These services include Search Engine Optimization, Search Engine Marketing/Paid Search, Social Media Marketing/Optimization, Advanced Tracking/Analytics, Usability/User Experience and Conversion Value Improvement. The certification increases the company's ability to provide the most up to date online advertising practices and information to its clients. "We are excited to have gained this certification from Google and look forward to the added value that it will bring to our growing Search Visibility service line," stated Monica Valdez, Search Visibility Manager for Amadeus Consulting. Amadeus Consulting was founded in 1994, and has a long history of working with local and national clients to create custom software solutions across a wide range of business needs. Amadeus Consulting's expertise includes search visibility services, rich Internet applications, custom software, mobile application development including iPhoneTM, iPadTM, Windows Mobile®, and AndroidTM, data storage solutions and database design, and web application development including e-commerce, content management platforms, and databases. About Amadeus Consulting: Amadeus Consulting is a custom software development company dedicated to creating intelligent technology solutions with successful business results. Amadeus Consulting is a Microsoft® Gold Certified Partner as well as a Silverlight™ Partner, winner of the Microsoft Office XP Challenge, and has Microsoft Partner Competencies in Custom Development, Mobility and Data Management Solutions. The company is an expert in custom software applications such as rich Internet Applications, content management systems, e-commerce, surveys, social networking sites, data collection and management, browser plug-ins, and mobile application development including iPhone™, iPad™, Windows Mobile® and Android™. Amadeus Consulting ranked in the top 25 on the prestigious Mercury 100 list of the fastest-growing private companies in Boulder and Broomfield counties for three consecutive years, and has placed on the Inc. 5000 list for four consecutive years. More minority teachers needed in Texas 2010-08-07 05:29:33 (GMT) WiredPRNews.com Dallas – Experts say that Texas is in need of more minority teachers. As reported by the Associated Press (AP), schools in the state are projected to have up to an estimated 62 percent minority student body during the 2011-2012 school year, which experts suggest signals a need for recruitment for more black and Hispanic teachers. Ed Fuller, associate director of the University Council for Educational Administration at the University of Texas at Austin, is quoted in the report as stating of the matter, “The research shows that if you can match the ethnicity and race of teachers and students, teachers tend to be more effective… It’s important for role modeling and pushing those students to go to college. Of course, you want to make sure teachers are well-qualified and not just thrown into a classroom because of race or ethnicity.” iFixYouri announces new line of iPhone 4G Repair Services, DIY Kits, iPhone parts, and Protection Plan WiredPRNews.com - Electronics, South Florida News,West Palm Beach, FL 2010-06-05 20:43:21 (GMT) - iFixYouri Corp, the leader in iPhone Repair and Do-it-Yourself Kits sales, announces that iPhone 4G repair, also known as iPhone HD repair, parts have arrived. In addition to iPhone 4G Glass Repair, iFixYouri has added to its’ list of services iPhone 4G LCD Repair, iPhone 4G Headphone Jack repair, iPhone 4G Volume Button Repair, and iPhone 4G DIY Glass Kit. iFixYouri currently provides the widest line of repairs for the most popular models of iPhones, including the iPhone 3G, iPhone 3Gs, and now the iPhone 4G – iPhone HD. Images of parts can be found on their blog located at http://www.ifixyouri.com/blog/ Owner Christopher Johncke, briefly stated, “We can verify that rumors that were leaked about a month ago appear to be true. The new iPhone 4G glass will have two colors, black and white. Additionally, there is a spot for a front facing camera, a flash, and a slot for inserting a micro-sim card, which currently is only unique to ATT. The entire body of the iPhone has a much more rigid design, made out of aluminum, and is a little bit smaller than its predecessor, the iPhone 3Gs. It is a really nice piece of craftsmanship. We give a thumbs up to Apple’s design team.” Costly iPhone repair is a thing of the past with the new protection plans from iFixYouri. Protection plans from iFixYouri are offered in two different packages. The Screen and LCD Protection Plan covers digitizer failure, cracked screens, LCD failure and LCD damage. For a greater level of coverage and protection there is the Full Coverage Protection Plan. Under this plan iPhones are covered for screen repair, LCD failure or damage, battery, camera, vibration motor, power button, volume, speaker and many other common iPhone repairs. Prices for Protection Plans range from $35.99 to $99 depending on iPhone model and selected Protection Plan. A full list of plan coverage and options can be found at www.iFixYouri.com. Michelle Zausnig, a repeat customer, commented, “I don’t know how many times I have dropped my phone and broken my screen. It seems to just fall out of my hands or my purse…I am the biggest klutz! With my protection plan from iFixYouri I don’t have to stress about how much money I need to spend getting it fixed again! They make iPhone Screen Repair so easy and affordable.” Protection Plans from iFixYouri is not something that can be found through Apple or At&t. A single iPhone screen repair or iPhone water damage repair can run over $200 at the store. At the fraction of the cost, iFixYouri Protection Plans provides security and peace of mind for iPhone owners and gives them the satisfaction of speedy repairs with their 24 hour service. About iFixYouri Locally owned and operated, iFixYouri has seen and repaired nearly every type of damaged iPhone: From owners placing phones in toaster ovens to dry out water damage, to a construction worker dropping an iPhone in a cement mixer. iFixYouri is the nation’s premier source for all your iPhone repair needs. All work is completed by Apple Certified Technicians. iFixYouri is in no way associated with Apple Inc. ‘Apple’ and ‘iPhone’ are registered trademarks of Apple Inc. A complete list of services can be found at: http://www.iFixYouri.com. How did credit reports get started? By: Michael Malloy Credit River, MN (WiredPRNews.com) — In the very early days, when people bought things on credit at the general store, the store clerk wrote the purchase amount on a piece of paper that was then put into a “cuff”, or a paper tube that they wore on their wrist. Eventually, someone had the idea of collecting all of the information from these clerks’ cuffs and putting it together for other merchants to refer to before granting credit to customers. Connect with Infinitely Virtual on Facebook and Twitter Los Angeles, CA, August 01, 2010 --(PR.com)-- Infinitely Virtual, a rapidly expanding provider of high quality and affordable virtual server technology, is pleased to announce the use of Facebook and Twitter to keep clients up to date on the latest Infinitely Virtual news. Get Inside Information Following Infinitely Virtual on Facebook and Twitter offers Infinitely Virtual clients the opportunity to be up-to-the-minute informed on company news by receiving instant information from page updates and tweets. Clients who follow Infinitely Virtual on Facebook and Twitter will instantly receive insider information on new products, support information, and special offers. Following Infinitely Virtual on Facebook and Twitter also gives clients the chance to network with other clients, and provides customers an outlet to share their Infinitely Virtual experiences. Simply go to Facebook or Twitter and add us as a friend to receive news updates. “Facebook and Twitter updates provide Infinitely Virtual customers with a simple way to be connected daily on the latest company news and offers, and takes Infinitely Virtual further in its mission to seek out and deliver reliable virtual technology services to clients at the industry’s lowest prices.” – Adam Stern, President and CEO of Infinitely Virtual. About Infinitely Virtual Infinitely Virtual is a leading provider of high quality and affordable virtual server technology, capable of delivering services to any type of business, including file servers, e-mail servers or web servers. As a virtual company, Infinitely Virtual is managed using Software as a Service or SaaS tools–an affordable way for businesses to use software as it’s needed, rather than licensing all devices with all applications. The company was established as a subsidiary of Altay Corporation, and through this partnership Infinitely Virtual provides customers with expert 24x7 Technical Support. With an innovative approach to virtualization, Infinitely Virtual provides aggressively priced options that competitors simply cannot meet. More information about Infinitely Virtual can be found at: http://www.infinitelyvirtual.com or call 866-257-8455. About Altay Corporation Altay is an IT professional services company that designs, implements, and supports single- and multi-vendor data solutions. Altay’s pledge is to provide products and services that meet the highest standards of quality, designed for a client’s specific needs, and delivered economically—with the ultimate goal of helping customers reach their potential. Altay’s team is specialized in voice, video and data solutions, and it has a proven track record of providing excellent service to its customers. More information about Altay Corporation can be found at http://www.altayusa.com or call 866-54-Altay. Contact Information Allegiant Air Service Offers Flights to Florida Universal Action Travel, Inc. comments on Allegiant Airlines Tampa, FL, July 24, 2010 --(PR.com)-- Universal Action Travel commented today on Allegiant Air great rates, and his referring its clients to travel with such airline company if possible. While Universal Action Travel does not endorse or have any ties with the commercial airline company, a company representative commented “We have found this airline to offer great rates to travelers coming from many U.S. and Canadian cities.” When asked as to what feedback they had received from their travelers, company spokesman said “We have been told their (Allegiant Air) customer service was phenomenal and this is why we like to mention this to our general traveling public.” Rates on Allegiant airlines range from $89.99+ for flights to and from Florida and the airline has in operation since 1997. With flights to and from major US and Canadian cities, the airline has taken advantage of popular locations and low overhead to keep their prices low and competitive. For more information on this airline visit Universal Action Travel, Inc. can be reached at their corporate offices at 7211 N. Dale Mabry Hwy. Ste-200. Tampa, Florida 33614. Their toll free numbers 1-800-644-1648. and their office hours are Monday-Friday from 9am-5pm EST. Study shows businesses missing social networking opportunities U.S. 2010-07-23 04:12:07 (GMT) WiredPRNews.com – A recent study suggests many businesses are not effectively utilizing social media for engaging customers and others. As reported by PC World, the study by research firm Yankee Group, commissioned by Siemens Enterprise Communications, found that although seventy percent of consumers seek interaction with businesses through online social means, only thirty percent of companies can handle engaging them partly due to a lack of policies that facilitate participation. Yankee group research Zeus Kerravala is quoted in the report as stating of the opportunities presented by social media, “Social media is changing the way businesses, customers and employees interact, and this creates significant opportunities for contact centers and the enterprise as a whole to leverage the integration of these tools into business processes.” The findings reportedly suggest the integration of social networks into normal communications can provide opportunities for customers as well as improve the productivity of workers. UANI Applauds the SEC for Acknowledging Need for Companies to Disclose Iran Business New York, NY - United Against Nuclear Iran (UANI) applauds the Securities and Exchange Commission for acknowledging the need for companies to disclose their business in Iran. In testimony yesterday to the House Financial Services Committee, SEC Chairwoman Mary Schapiro said that "There are punitive sanctions that can be levied against companies that violate the Iran Sanctions Act," and that these sanctions "can create material contingent liabilities that need to be disclosed by public companies." UANI renews its call for the SEC to take definitive action to require companies to disclose their Iran business. UANI President, Ambassador Mark D. Wallace, in a statement said: It is time for companies to be transparent about their business in Iran so that the American people can hold them accountable for that business. As business in Iran is material, American investors have a right to know if they are investing in a company that does business with a state sponsor of terrorism that is subject to crippling sanctions, and therefore substantial financial risk. Such information is also critical for ensuring that the U.S. Government can make informed decisions about the companies with which it does business. UANI has been at the forefront of the campaign to require companies to disclose their business in Iran. On January 12, 2010, UANI launched the "Iran Disclosure Project," an initiative to identify publicly-traded companies that have business dealings in Iran and ensure that such companies adequately inform investors of the legal and financial peril associated with such dealings. Through the Iran Disclosure Project, UANI has targeted such companies as Royal Dutch Shell, Caterpillar, Ingersoll Rand, KPMG, and Honeywell to disclose the full extent of their business in Iran. In May, UANI called on the SEC to take definitive action to require companies to disclose their Iran business. UANI proposed two options that would allow the SEC to take such definitive action: a staff interpretative release or a new SEC regulation. United Against Nuclear Iran (UANI) is a program of the American Coalition Against Nuclear Iran, Inc., a tax-exempt organization under Section 501(c)(3) of the Internal Revenue Code. The prospect of a nuclear-armed Iran should concern every American and be unacceptable to the community of nations. Since 1979 the Iranian regime, most recently under President Mahmoud Ahmadinejad's leadership, has demonstrated increasingly threatening behavior and rhetoric toward the US and the West. Iran continues to defy the International Atomic Energy Agency (IAEA) and the United Nations in their attempts to monitor its nuclear activities. A number of Arab states have warned that Iran's development of nuclear weapons poses a threat to Middle East stability and could provoke a regional nuclear arms race. In short, the prospect of a nuclear armed Iran is a danger to world peace. United Against Nuclear Iran (UANI) is a non-partisan, broad-based coalition that is united in a commitment to prevent Iran from fulfilling its ambition to become a regional super-power possessing nuclear weapons. UANI is an issue-based coalition in which each coalition member will have its own interests as well as the collective goal of advancing an Iran free of nuclear weapons. Click here to learn more about the Iran Disclosure Project. Click hereto read UANI's proposed new SEC regulation. The Objectives of United Against a Nuclear Iran Inform the public about the nature of the Iranian regime, including its desire and intent to possess nuclear weapons, as well as Iran's role as a state sponsor of global terrorism, and a major violator of human rights at home and abroad; Heighten awareness nationally and internationally about the danger that a nuclear armed Iran poses to the region and the world; Mobilize public support, utilize media outreach, and persuade our elected leaders to voice a robust and united American opposition to a nuclear Iran; Lay the groundwork for effective US policies in coordination with European and other allies; Persuade the regime in Tehran to desist from its quest for nuclear weapons, while striving not to punish the Iranian people, and; Promote efforts that focus on vigorous national and international, social, economic, political and diplomatic measures. UANI is led by an advisory board of outstanding national figures representing all sectors of our country. More companies hiring social media officers U.S. 2010-07-19 02:52:20 (GMT) WiredPRNews.com – With more and more consumers regularly engaging in social networking, a number of companies have added social media officers to their staff. As reported by BusinessWeek, more companies are employing individuals to help them stay in the loop with social media audiences, making it a full-time job for some. Natalie Malaszenko, who works as director of social media and commerce for Petco and now oversees multiple pages on Facebook, Twitter, and a company blog, is quoted in the report as stating of the use of social media, “It’s about having a conversation… But it’s also about using social to influence purchase decisions…” Other corporations noted by BusinessWeek to provide social media based job opportunities include Panasonic, Electronic Arts, Sears Holdings, and Godaddy.com. Bankruptcy or Debt Consolidation: Which Path Should You Take? What is right for someone else may not be right for you. It is vitally important that you find the debt relief option that best meets your needs. July 16, 2010 /24-7PressRelease/ -- If you feel overwhelmed by seemingly insurmountable debt caused by a prolonged illness, job loss, failing business, divorce or other reason, you may be considering a bankruptcy filing or debt consolidation. The goal of both of these options is to help you regain control of your finances, but they are wildly different. What is right for someone else may not be right for you. It is vitally important that you find the debt relief option that best meets your needs. Higher-Value, Complex Debt? Bankruptcy Might Be Your Best Bet. Complicated debts (like those involving one or more mortgages, car payments, mixed-ownership-assets and those of high value) may be best resolved through a Chapter 7 or Chapter 13 personal bankruptcy filing. An important benefit of bankruptcy is that it brings immediate relief: all collection actions - including foreclosures, garnishments, repossessions and creditor harassment - must stop when a bankruptcy proceeding begins. Chapter 7 bankruptcy will discharge your unsecured debt, wiping the slate clean quickly. Chapter 13 may not discharge as many of your debts immediately, but it does combine them into a single monthly payment that you will make for a set period. Both of them give you the time you need to get back on your feet, are cost-effective options, put an end to the harassing phone calls and threatening letters you are getting, and let you save money in the long run. Another advantage of filing for bankruptcy is that the process (and the attorneys themselves) is highly regulated by federal statutes and state ethical guidelines. Pros and Cons of Debt Settlement In a nutshell, debt consolidation combines multiple smaller debts into a single larger one. In theory, this is a great idea, as it would allow a debtor to make only one monthly payment to reduce debt quickly. Unfortunately, debt consolidation is not the "miracle cure" that many people believe it to be. Though it is true that some companies offering these services are honest and altruistic, dedicating themselves to helping their customers get out from under debt and only charging a nominal fee for their services, some are not. Disreputable companies charge excessive fees for empty promises. Some say that they can "negotiate with your creditors" to settle your debt - there is no guarantee that a negotiation will prove to be successful, and you could directly contact the company for a settlement discussion for free. Many people actually find themselves in worse shape after attempting a debt settlement; they have now wasted time, money and energy trying in vain to resolve their debt. Where Should You Turn for Help? If you are facing insurmountable debt, you are likely confused about where you can turn for help. Your best bet, whether you are leaning towards bankruptcy or debt consolidation, is to contact a law firm with in-depth knowledge of a wide range of debt relief options. Article provided by Macco & Stern LLP Visit us at www.maccosternlaw.com Energy Expert T. Boone Pickens Outlines Plan to Cut Foreign Oil Dependency in New Whiteboard Presentation
First Video in Series of Five Released on Pickens Plan Website U.S. Spent $27.3 Billion on Foreign Oil in June DALLAS--(BUSINESS WIRE)--T. Boone Pickens today launched the first in a new series of whiteboard video presentations, outlining the role natural gas can play in helping to achieve President Barack Obama’s campaign pledge to cut all imports of oil from the Middle East in 10 years. The video can be seen at “You’ll cut down $100 billion on 8 million vehicles” “There are eight years left on the President’s campaign pledge to eliminate Middle East oil in 10 years, and we want to help him and our nation get there,” said Pickens. “The Pickens Plan is the only real plan that can make dramatic progress on that goal using our abundance of natural gas as a transportation fuel. We encourage Congress and all Americans to get behind this plan now - there is no more time to waste. We have an opportunity and we need to take advantage of it.” In the whiteboard presentation, Pickens details how switching 8 million 18-wheelers to run on natural gas could cut the United States’ dependence on OPEC oil in half. This plan is included in several pieces of legislation, including The NAT GAS Act (H.R. 1835 and S. 1408), the American Power Act (S. 1733), introduced by Senators John Kerry (D-Mass.) and Joe Lieberman (I-Conn.), and the Next Generation Energy Security Act (S. 3535), introduced by Senators Saxby Chambliss (R-GA) and Richard Burr (R-NC). “You’ll cut down $100 billion on 8 million vehicles,” Pickens said. “$100 billion creates one heck of a lot of jobs in the United States. We’re going to fix the security issue right here with the 5 million OPEC barrels and in eight years, the problem will be solved. Every president since Richard Nixon has said ‘elect me and we’ll be energy independent.’ Not one of them delivered on it. This president is going to focus on it, and together, all Americans will solve the problem for the country.” Halfway through the year, the United States has not made any significant changes to the amount of foreign oil imports. The latest figures from the U.S. Department of Energy’s Energy Information Administration (EIA) show that the U.S. imported 62 percent of its oil, or 362 million barrels in June 2010, sending approximately $27.3 billion, or $631,255 per minute, to foreign countries, Pickens said in his latest monthly update on foreign oil imports. “America is as close to an energy plan as it’s been in 40 years,” Pickens said. “We can’t let any more time go by as we continue to spend $27.3 billion per month on foreign oil. We have to act now or risk watching oil rise to $300-$400 a barrel in the next ten years, with import numbers jumping to 75 percent. So instead of spending $365 billion a year on foreign oil, we would be wasting $1 trillion a year. That just won’t work. Congress needs to move fast to enact legislation promoting the greater use of natural gas as a transportation fuel. The future of our economy and national security depend on it.” The whiteboard presentation is the first in a series of five videos that will be released in the coming weeks. Pickens’ first whiteboard presentation was released during the launch of the Pickens Plan in July 2008. It has become a hit with the online community, having drawn more than 1.5 million views. About the Pickens Plan Unveiled on July 8, 2008 by T. Boone Pickens, the Pickens Plan is a detailed solution for ending the United States’ growing dependence on foreign oil. That year, when oil prices reached $140/barrel, America was spending about $700 billion for foreign oil, equaling the greatest transfer of wealth in history. That figure has decreased some while oil prices have retreated, but the U.S. is still dependent on foreign nations for nearly 70 percent of its oil, representing a continuing national security and national economic threat. The plan calls for expanding the use of domestic renewable resources, such as wind and solar, in power generation and using our abundant supplies of natural gas as a transportation fuel alternative to OPEC oil. More than 1.6 million people have joined the Pickens Army through the website www.pickensplan.com, which has had over 20 million hits. For more information on the Pickens Plan please visit our website Sam’s Club to offer small business loans
New York2010-07-07 03:39:36 (GMT) WiredPRNews.com – Sam’s Club plans to offer small business loans to qualifying members. As reported by the Associated Press (AP), the move for Wal-Mart’s warehouse club chain is one of several steps the retailer has taken in offering financial services to customers that aid in boosting spending. As noted in the report, a program is being tested by Wal-Mart and Superior Financial Group to offer loans ranging from $5,000 to $25,000 to small business members. Catherine Corley, vice president of membership at Sam’s Club, is quoted by the AP as stating of the program need, “Access to capital is a major pain point for our members.” The program will reportedly focus on businesses owned by women, minorities, and veterans. Members who apply for the loans during the testing period may receive a reduction in their application fees and additional discounts. Florida’s Minimum Auto Insurance Requirements may Not Fully Cover Drivers 2010-07-01 15:13:56 (GMT) WiredPRNews.com Orlando, FL (WiredPRNews.com) The price of auto insurance in the Sunshine State can get quite expensive, especially for those who reside in high traffic areas; this leads many Floridians to only purchase the minimum coverage required by the state. Although some may see the limits on these policies as sufficient, in many cases they may not fully cover losses resulting from a traffic accident. The state does not require motorists to protect themselves against uninsured motorists and the required coverage limits are quite minimal and are among the lowest in the country. According to the Florida Department of Highway Safety and Motor Vehicles motorists are only required to carry $10,000 in Personal Injury Protection (PIP) and $10,000 for Property Damage Liability (PDL). Source: www.flhsmv.gov/ddl/frfaqgen.html#3 Uninsured motorist coverage can be a very beneficial type of protection; many drivers make the unwise decision to operate a motor vehicle without a valid policy which can leave a motorist without compensation if they are a victim of a hit and run or struck by an uninsured vehicle. Contrary to what consumers may believe this coverage can be quite inexpensive and conducting a Florida car insurance comparison may help find an affordable policy with this additional protection. While comparing rates of insurers, motorists may want to see if higher limits can be obtained as well. The $10,000 limit for property damage liability can be easily exhausted if the policyholder strikes a high end automobile and causes significant damages. The insured may be responsible for paying any amount which exceeds the amount stated on the policy; purchasing higher limits can help avoid this from becoming the case. There are many ways Floridians can protect themselves as well as their assets with the right automobile coverage. Residents should consult a professional to ensure that they are adequately covered. Genscape Launches Real-Time Oil Refinery Monitoring New York, NY, June 04, 2010 --(PR.com)-- Genscape, the leading global provider of energy fundamentals information for commodity and financial markets, today announced the launch of its real-time oil refinery monitoring service. Using proprietary technology, Genscape will provide its clients with immediate updates on changes in the operational status of primary and secondary processing units at 10 refineries in the US Midcontinent. Rather than relying on information gathering from sources in the industry, the traditional way for collecting information on refinery outages and maintenance, Genscape uses direct and constant observation of refinery units. The advantage of this method is that it captures changes instantaneously rather than having to wait for the news to spread. Also, direct observation will detect shutdowns that are not related to accidents or maintenance. These shutdowns for economic reasons are typically not captured by the existing reporting services and will give market participants added insight into petroleum product supply. “This latest addition to our oil information suite will round out the picture for crude oil traders in the Midcontinent who already rely on our storage and pipeline information,” said Abudi Zein, Vice President at Genscape. “It will also provide petroleum product traders with more timely and reliable information on key refineries in the area,” he said. Genscape’s twice-weekly Cushing Storage Service, and its real-time pipeline flow estimates have become the de-facto standard for timely and accurate fundamentals data for both physical and financial crude oil traders. About Genscape: Genscape is the leading global provider of essential energy information for commodity and financial markets. Utilizing patented technologies and proprietary algorithms, Genscape provides accurate and timely data on capacities, flow, and utilization for all major energy commodities including power, natural gas, oil, coal, and emissions. Genscape also delivers fundamentals-based market intelligence services which market participants rely upon to better understand drivers, risks, and dynamics of regional power and gas markets. For more information, visit www.genscape.com or contact Mike McAuliffe at (502) 583-4315 or michael@genscape.com. BlueChip Energy Starts Development of 10 MW Solar Farm in Florida
Expected To Be One of the Largest Private Solar Plants in the State LAKE MARY, Fla.--(BUSINESS WIRE)--BlueChip Energy™, a provider of complete solar energy solutions for residential, commercial, government and utility applications, today announced it has started stage one of the Rinehart Solar Farm, a 10 MW utility-scale solar PV facility in Central Florida. “We expect the Rinehart Solar Farm to serve as a model in the state of Florida for more large-scale, alternative-energy projects” The Rinehart Solar Farm project, located in Lake Mary, Fla., will have a total capacity of 10 megawatts (MW) and an annual generation of approximately 15,000,000 kilowatt-hours. This is equivalent to the annual energy use of roughly 1,100 area homes. It will cover a portion of the 380,000 square foot rooftop space and surrounding acreage of BlueChip Energy’s Lake Mary facility. The solar farm is being built in stages, starting with a roof top plant totaling 120 kilowatts (kW). It will feature 520 monocrystalline 230 Watt panels and two state-of-the-art 60 kW Fronius inverters. The first stage is expected to be completed by July, 2010. Stage two is a roof top plant consisting of 500 kW. Subsequent stages will consist of a third, 1.4 MW rooftop system and 8 MW of ground-based systems. The company has a power purchase agreement (PPA) to supply Progress Energy Florida with renewable solar power from the Rinehart Solar Farm. As a clean energy project, it will stimulate the local economy by creating an estimated 100 high-paying, high-skilled jobs while building local expertise in solar energy. “We expect the Rinehart Solar Farm to serve as a model in the state of Florida for more large-scale, alternative-energy projects," commented Lawrence Hefler, spokesperson for the company. BlueChip Energy LLC is an alternative energy utility provider delivering turnkey, predictably-priced, renewable electricity supply services for residential, commercial, government, and utility customers. BCE develops finances, constructs, operates, and monitors solar plants. BCE is a licensed provider of renewable solar energy as a qualifying power production facility of 80 MW, with the right to sell electricity to a utility. Additional information about the company is available at Ethics in the work place Having good ethics in the work place is very important for many reasons. At ZMS Marketing and Associates, all employees are required to learn these ethics. Although some may find it a bit hard to go through with these on a daily basis, any employer likes a worker with ethics. The following is a few tips that should help teach you how to gain and keep work ethics necessary for every day of work. Press Release Distribution Garners Positive Feedback on Internet Marketing Forum Dallas, Texas (WiredPRNews.com) — Starting out as a small company looking for an economical way to send press releases out while reaching a large audience, WiredPRNews affordable press release distribution has the same goal as most other companies: to get the biggest bang for their buck. By offering a press release distribution package that is surprisingly low cost and remarkably widespread, WiredPRNews.com gives marketers the ability to distribute their news to a larger, targeted market for a fraction of the cost. Recently, WiredPRNews garnered positive feedback from a happy user on Warrior Forum, an Internet marketing forum. Warrior Member, NancyEGS, had “lurked” around WiredPRNews for a while before deciding to use the service for her brick and mortar business. She wrote: “I decided to try WiredPRNews, which I haven’t seen much about on here. For $24.95 they promise distribution to some serious news outlets. I gave it a shot and submitted a release through them Tuesday night. “I’m thrilled to report that yesterday my release was picked up by Boston.com (this is the website for the Boston Globe and claims a readership of 5 million). It was a slow news day, and in my opinion, because of some internal issues my company has to iron out, this release was one of the least interesting I’ve written. I can’t wait to try it again next week when we have a product launch to report that ties in to a scary health study and is seasonably appropriate. “I don’t know if others will have the same experience– my product is genuinely unique, and I was a freelance journalist for years so I do know how to write an attention-getting release. However, this was a pretty incredible bang-for-my-buck so I thought I’d share it in case it helps anyone.” WiredPRNews.com news experts state that the main benefit of online news and press release distribution services is the power of big brand advertising with small budget investment. With highly advanced Internet technology, press releases have the potential to be picked up by several major outlets at a time, attracting a much larger audience. WiredPRNews.com wants to help you grow your empire, increase traffic and intensify your revenue. That is why they are encouraging companies and professionals to visit them at http://www.wiredprnews.com for more information on the value of using news wire mediums for a more widespread audience reach. The company is currently accepting registration submissions for those seeking an affordable medium for getting their important news to press, and increasing their web presence. For more information about WiredPRNews.com, or the company’s distribution services, please visit http://www.WiredPRNews.com. Free Timecard Calculator from Redcort Software Redcort Software releases a free web based employee timecard calculator to help hourly workers manage their weekly timesheets. March archives business-archives-march-1-6-2010 early February business archive
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