While many people have been applying for and receiving their mortgages in the traditional way, Grace Wilson, owner and operator of an Edmonton Mortgage Broker Office, has been looking for a more efficient and convenient way to service her clients and expand her business. “In the world of finance today, people are too busy to be tied down to driving across town to do business, they also limit themselves to conducting business with the institutions that are close to them, not the ones that will give them the best rates, programs, or services” said Wilson in a recent meeting .

With the recent economic downturn, Wilson was looking for a way to expand her business and knew that the internet was something to tap into but didn’t quite know how, until she met Internet Marketing Consultant and CEO of www.webworksmedia.com, Matt Fraser.

Matt has developed an information website, www.edmontonmortgagepro.com for potential home owners who are looking to obtain a mortgage in Edmonton, AB. The Free report; “The Insider Secrets to Protecting Your Finances and Getting a Money-Saving Mortgage … Even if You Have Bad Credit” will inform users about a great deal of things when considering purchasing a home and getting a mortgage.
For instance, while consumers may think that shopping multiple banks is in their best interests they will discover in the report that this is not entirely true.

For instance, when a person visits each bank their credit bureau will be pulled each time, which does not look good to potential lenders, however, a Mortgage Broker will pull your credit bureau once and shop with multiple lenders, including your bank, and most of the time, because of the volume of clients that they service, they’ll be able to get you a better rate than the banks offer to you on your own.

This has begun the dawning of a new age for the mortgage industry, at least as far as Wilson is concerned. “With having access to the multitude of people searching online for a Mortgage Broker and related Services, I will be able to increase my business by as much as 50%. It is very exciting to me” said Wilson in a recent interview.

Potential Home Buyers can now visit www.edmontonmortgagepro.com and download the free report and then apply for a mortgage online from the comfort of their home. This approach to mortgage application and processing only makes sense in light of the fact that according to a survey by the Canadian Mortgage and Housing Corporation 90% of all first time home buyers will look to the internet to find information on obtaining a mortgage and will make a purchasing decision within 90 days. Now a borrower can obtain information and submit an application online from the comfort of their homes.

According to Grace Wilson, this is the new dawn in the mortgage business. Today, at Edmonton Mortgage Pro, a client can receive instant updates on the progress of their mortgage as well as get any questions answered without leaving their home. The new internet availabilities of many service type businesses are good for both the customer and the business owner. All types of businesses are always looking for new ways to secure new clients and the internet is one of the best ways for a business owner to get in touch with new customers.

“As far as customer satisfaction and service, with the new system in place, we have many more banks on line with different loan criteria. We now will be able to serve a much wider variety of borrowers. This means that we can find a lender for a refinance or new home loan no matter what type of credit history the client may have.” stated Wilson with confidence.

Wilson further stated “this is a very competitive business and we must be able to give the borrower what they need. It is also very important to make sure that the loan goes through in a timely fashion in the name of customer service. Our goal at Edmonton Mortgage Pro is nothing short of that.”

Before you will get your first mortgage on that occasion it is reasonable earlier to use professional mortgage calculator. These basic tools offered online that can help a people establish whether they might in fact have financial background to purchase house. Playing with a mortgage calculator help borrowers deal with realistic calculations. Transferring the down payment information into online calculator and playing with different bank rates in the calculations it provide the consumer with good information and help them when shopping for their mortgage. It will also offer the consumer good view of how much of a mortgage than can achieve.

A home mortgage calculator is a good resource when planning to shop for a mortgage and should be used freely putting different variables to help making good choices securing mortgage or remortgage. A lot of individuals have discover that through using mortgage repayment calculator they can cut the period of time in which they repay their remortgage. By using this a lot of them have discover that they can reduce their mortgage from a 35 year to just 15 years. So it might need them to increase instalments but in most cases it is only 10-20 pounds monthly.

Simply loan repayment calculator you can find at Free Simply Advice Mortgage Calculator website. At same time you can check current best rates.

Once you use online mortgage calculator it is recommended to get free opinion from independent broker. They check entire database of lenders to find cheap mortgage.

If you are thinking to obtain mortgage or remortgage then it is rational to run first professional mortgage calculator. These simple tools available also online that might help a people find out whether or not they be able to in fact have financial background to buy the home of their dreams. Using a mortgage calculator usually help borrowers keeping realistic calculations. Inputting the down payment data into the calculator and trying different interest rates in the calculations it provide borrowers with good information and help them when shopping for their mortgage. This will also offer the consumer good view of how much of a mortgage than can achieve.

A home mortgage calculator is the best resource when planning to shop for a mortgage or remortgage and must be used without restriction putting variant data to help making the right choices shield your mortgage. A lot of couples have found that through using Mortgage calculator they can cut the period of time in which they repay their mortgage. So many have discover that they can reduce their mortgage from a 35 year to 20 year policy. So it will require them to increase monthly instalments however typically it is just few pounds weekly.

Very easy to use mortgage and remortgage calculator you can find at SMA site. At same time you are able to check todays best mortgage loan deals.

Prior to use online calculator you must consider to get free opinion from mortgage broker. Brokers looks whole market to find the best deal for you.

San Diego, CA ( PressReleaseRoom ) September 24, 2009 – Capital Line Commercial Financing has just announced a new commercial loan refinance program for Apartment Complexes, Office Buildings, Warehouses, Commercial Malls and Industrial Property.

Commercial Loan Refinance
Loan Term: Thirty (30) Years Fixed.
Product: Commercial Mortgages on existing properties.
Client Profile: Class A Borrowers.
LTV /Equity: Minimum 35% equity in the project (65 LTV).
Property Types: Apartments, Office Buildings, Warehouses, Commercial Malls, Industrial Property.
Interest Rates: 7.0% -9.0%. Rates are strength/risk driven.
Key Feature: The property must have an existing revenue stream which will support the new loan.
Loan Amount: Refinance Requirements are for loans of $25 Million up to $250 Million.
Fund Reserve: $ 2 Billion for immediate Disbursement

CLICK HERE for More Information

Capital Line is an independently licensed, Commercial Mortgage Broker, originating small, medium, large balanced loans through select banks and institutional investors nationwide.

Capital Line provides a diverse online innovative commercial lending platform backed by a staff of seasoned, experienced professionals, enabling Capital Line to provide a one-stop solution for loans on all commercial property types.

The innovative Commercial Loan Refinance Program is available throughout the United States: Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), District of Columbia (Washington DC), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI), Wyoming (WY)

Commercial Loans and Commercial Mortgages are available for all of the following property types:
Apartment Building, Apartment Complex, Hotel, Industrial Building, Motel, Mobile Home Park, Multi-Family Buildings, Self-Storage Complexes, Medical Office Complex, Medical Building, Office Building, Office Complex

Contact:
Capital Line Commercial Financing
6440 Lusk Boulevard, Ste. D202
San Diego, CA 92121
(858) 452-2845 Phone

http://www.CapitalLineCommercialFinancing.com

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Highland Heights, OH ( Pressreleaseroom ) August 13, 2009 – Protraderforex—announces Destiny 3.33, a home PC version of forex trading software that doubles investor money every year.  The concept is if you start with just $200 then doubled it you would have $400.  Do that 14 times and you would have $3,276,800

Rich Henry, President of Protraderforex says,  “Now that 73 percent of homes in the USA have computers we need to put them to work.  Not playing video games, but making people money.  For the first time, anyone that knows how to use a home computer can profit directly from it.”

Everyday more than 2 trillion dollars are traded in the forex market as compared to just 50 billion for the stock market.  The problem is that 95% of people lose 100% of their initial investment money trying. The 5% that do make money are staggeringly rich.   Now it is possible to be one of the lucky 5 percent.

A typical small investor has limited funds available for trading.  So they look to leverage their money in high-risk instruments like penny stocks. Buy for 1 penny and hope it goes to a dollar.  This rarely ever happens.  However, trading on the forex market gives the small investor just as much if not more leverage, which he can use to his advantage.

The forex market gives the investor the chance to double his money continuously. This is possible by the amount of leverage available.  A typical forex account has 1:100 leverage.  Some have 1:200 and higher.  This means that for every dollar invested you are controlling 100 dollars.  A small move in the price will result in a large profit.

Software that could help anyone profit in this market has been highly sought after for years. It is now possible.  The new software also known as an expert advisor, will start opening and closing trades all day and night as the forex market operates 24 hours a day. The winning formula in trading this market is just a set of equations, which a computer can easily solve. Using mathematical principles, a high probability set of trades can be opened and then closed for a profit daily.  When a trade closes the money is added to the account balance.

As the account balance grows the software compounds the profit.  Compounding of profits is one of the more difficult problems to solve for the average investor.  The software does this automatically.  Not losing your money is just as important as making money to a successful investor.  Account protection is always enabled which protects an investor account from an unexpected shift.

All of this is done using a typical home computer, with a broadband connection preferably.  To get started, the investor needs only to open a forex trading account with a minimum of $2000 deposit and start the Destiny 3.33 software, which is totally free.

Complete details including, performance, trading strategy and data for months of trading can be viewed at the Protraderforex.com website.  To get started visit http://www.protraderforex.com You can open up a live trading account and get the free software from there.

Protraderforex is a cutting edge technology software development and manufacturing company located in Highland Heights, OH.  Protraderforex is a leader in automated trading expert advisor software.

For additional information please contact, Rich Henry at 440-449-0291 or email sales@destinyforex.com

CONTACT:
Contact Person: Rich Henry
Company Name: Protraderforex
Voice Phone Number: 440-449-0291
FAX Number: 212-658-9545
Email Address: sales@destinyforex.com
Website URL: http://www.protraderforex.com

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San Diego, CA ( PressReleaseRoom ) August 12, 2009 – The new Super Jumbo Loan program from Capital Line provides access to loan amount from $3,000,000 to $50 Million. This loan program is offer in 3 Types:

1) Purchase
2) Refinance w/ No Cash-Out
3) Refinance w/ Unlimited Amount Cash-Out

Contact Us Today: http://www.CapitalLineFundingGroup.com

These days most lenders only loan amounts up to $1,000,000 with $200,000 cash out options, Capital Line go way beyond with this program. Aside from the high loan amounts being offered, this loan also features interest rates in the Low-to-Mid 5.00% with a no limit cash out option. These special rates will not last forever so you must act quickly.

Super Jumbo Loan Program Breakdown: http://www.capitallinefundinggroup.com/Mega_Jumbo_Mortgage_Loans.html
Location:    Nationwide
Property Type(s):    Single Family Residence
Loan Products:    Private Banking Products, LIBOR ARMs, Fixed Rate Products
Loan Amount:
$3 Million – $50,0000,000,      Full Documentation
Loan-to-Value (LTV):    Up to 75%
Credit Score:    640 or Above FICO Score
Loan Type(s):    Purchase, Refinance
Occupancy Type(s)    Primary Residence, Vacation Home, Investment Property
Loan Product Options:    5 Year, 7 Yr and 10 Year Fixed ARM Loans, 30 Year Amortization for All Loans
Interest Only Loans Available
Special Programs:    Unlimited Cash Out Refinancing
Requirements:    Borrower must have a minimum of $1M in Liquid Assets; Higher loan amounts require additional liquid assets.

http://www.capitallinefundinggroup.com/Super_Jumbo_Mortgage_Loan.html

Capital Line Has The Best Loan Products
Capital Line’s high reputation has helped forge alliances with financial leaders of exceptional quality. There are many different loan programs available to meet your specific needs. These include but are not limited to: Purchase / Refinance Loans, Interest Only Loans, Stated Income Mortgage, Stated Asset Loan, Home Equity Loans, Preferred Option ARM, Super Jumbo Loan, Private Money Loans, 1031 Exchanges, Commercial Construction Loans.
Superb Client Satisfaction

Job One at Capital Line is integrity; performing as we say we will. It’s about keeping one’s word through-out the process and beyond. We have active clients from our first year of business, now over 15 years ago. Each association is special because each is built on trust. Satisfied clients form the bedrock of Capital Line.

Why Work With Us?
Because Capital Line are the Specialists in Luxury Mortages and Super Jumbo Loans.
To ensure the best terms and pricing for your high-end loan, it is crucial to work with someone who specializes in these super-sized loan amounts. Super jumbo loans specialists need to know all of the unique factors which contribute to the cost and simplicity of super jumbo loans.
Capital Line established a unique position in the market place through providing Super Jumbo-Size loans in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming.

Contact:
Capital Line Funding Group
6440 Lusk Boulevard, Ste. D202
San Diego, CA 92121
(858) 452-2845 Phone

http://www.CapitalLineFundingGroup.com

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London, United Kingdom ( PressReleaseRoom ) August 11 ,2009  – Aquarius Platinum Limited is engaged in the exploration, development and acquisition of platinum group metals (PGM) including Platinum, Palladium, Rhodium and Gold. Its PGM mining and exploration operations take place in South Africa and Zimbabwe, with administration functions in Australia and Bermuda.

In a half year result announced in February 2009, group production rose to 260,208 PGM ounces; 17% higher than the previous six months to June 2008. However it was 6% lower when compared to the six months to December 2007 due to a temporary production suspension at Everest following an early detection of subsidence. At the start of the financial year, Aquarius was targeting a 2009 annual production of 575,000 PGM ounces, representing an increase of approximately 15% on the previous year.

Marketing Director Andrew Dyer explained “In a first half year result of 2009, Aquarius reported significant falls in PGM prices with Platinum prices during this period being 56% lower at $904 per ounce compared to the six months to December 2007, while Rhodium prices were 87% lower at $1,250 per ounce. Palladium was 60% lower at $184 per ounce and Gold was 6% lower at $866 per ounce. In the second half of 2009, Aquarius is set to benefit from higher commodity prices as platinum prices rebounded from a year low of $774 in November 2008 to $1186 per ounce in July this year. Palladium prices also rebounded from a year low of $161 to $259. Jewellery has seen some reduction in demand, yet requests from platinum autocatalysts and ETFs(Electronic trade funds) in particular have seen significant growth on strong Chinese auto industry rebound and dollar falls against the euro and sterling.”

On daily chart, Aquarius is making a ‘V’ pattern in a range of 170.0p and 316.0p, with a higher low indicating strong uptrend. MACD (moving average convergence/divergence) is negative and 12 day EMA has cross above 26 day EMA indicating formation of upside trend. 14 day RSI (relative strength index) is near 60 showing strength in trend. ADX (average directional index) is near 26 indicating strong positive trend. Stock is also above 20 day and 50 day EMA which supports strength in trend. For a higher move stock has to move above 250.0p with some consolidation as stochastic indicating overbought. The stock has immediate resistance near 268.0p and support near 220.0p.

The stock can be bought around 245p with a profit target 273.24p and stop loss of 232.7p (Hedge position: short position in spread betting with £5.09 bet per point).

For additional information please contact CSS Partners via: http://www.csspartners.co.uk

Contact:

Andrew Dyer
Apex House, 18-20 Appold Street, London EC2A 2AS, United Kingdom
+44 (0)20 7422 1800

###

Latest Young Index results from Young Group show the continuation of a rising trend; increasing numbers of buy-to-let investors are keen to return to the market as they believe property prices will stabilise and rise during the next 12 months.

Results from the Q2 2009 survey of investor market sentiment show that increasing numbers of residential property investors are considering purchasing additional UK properties within the next 12 months.

London remains the preferred location for investors; 52% are considering buying additional property in the capital – an increase of 12% on the previous quarter (although still 8% down on Q2 2008).  The trend is not only confined to London, with 30% of investors considering adding UK assets outside of the capital to their portfolios – compared to 24% in the Q1 this year.

The outlook for property prices shows a similar trend, with investors becoming increasingly positive; increasing numbers predict that prices will stabilise and/or rise over the next twelve months.

57% of investors believe that London prices will be at current levels or higher by this time next year (an increase from 49% in the previous quarter and up from a low of 36% in Q4 2008) and 42% expect the same to be true of UK property outside London (up from 24% in Q1 2009).

Neil Young, CEO – Young Group, warns: “Making predictions is something that Young Group never likes to do, but this is the second quarter in which we’ve witnessed an increasingly positive sentiment for the Young Index data.

“The trend continues to move in an upward direction and demonstrates a positivity and willingness of private investors to increase their holdings of residential property.  It remains to be seen if this burgeoning demand will translate into purchases or whether the languishing mortgage market kills the prospect of a relatively smooth return to house price stability and growth.

The private rented sector plays a valuable role in providing housing, demonstrated by the Government’s commitment to boosting the sector through the Homes and Communities Agency’s (HCA) Private Sector Rental Initiative (PRSI), but the sector is suffering because private investors still find it difficult to secure appropriate mortgage products.

Neil Young continues, “Rented accommodation is of immense value to the community, offering flexibility and choice. Currently, individual private investors are being prevented from investing in the sector by lenders’ imposing unfavourable mortgage terms.  This quarter’s Young Index results show that there is appetite to invest in the sector, but it’s now a question of whether mortgage lenders will match the demand.”

Young Index: Summary Results for Q2 2009

• 99% of investors intend to hold their residential property investments for the next 12 months.  41% intend to hold their assets for at least 10 years and 12% of private residential property investors intend to retain their property investments for the next 20 years or more.

• On average, residential property investors expect to hold their investment assets for the next 10 years.

• 52% of investors are considering purchasing additional residential property assets within London during the next 12 months, compared to 30% who are looking at opportunities in the UK outside of the capital.

• The outlook for London property prices is more than twice as strong as for the rest of the UK.  57% of investors believe that London prices will be at current levels or higher by this time next year (up from a low of 36% in Q4 2008) and 42% expect the same to be true of UK property outside London.

• 84% of respondents expect the Bank of England base rate to have risen by this time next year, but expect it to remain below 1.5%.  The average interest rate outlook for the next 12 months is 1.19%.

• More than 3 in 4 respondents expect to witness a return to economic growth by June 2010, with the majority anticipating positive growth as early as Q1 next year.

-ends-

About Young Index

Young Index is a quarterly gauge of market sentiment within the buy-to-let sector, polling Young Group’s client base of around 500 active investors who hold UK investment property.

About Young Group (www.younggroup.co.uk)

Young Group specialises in providing Property Portfolio Management services to private and institutional investors, offering asset management, acquisition and disposal of residential property investments in London.

Young Group in Numbers:

• 255: The number of apartments that Young Group clients have successfully completed on in 2008
• 67%: The percentage of new business generated through referral and by repeat investors
• £700 million: The value of property that Young Group has transacted since it formed in 2003
• 1,700: The number of apartments that Young Group has transacted since 2003
• 15: The number of developments offered to Young Group’s clients
• 300: The number of assets currently under management by Young London – our lettings business
• £35 million: The value of mortgages written by Young Finance in 2008
• 272: The number of tenants who will sleep soundly in beds provided by Young Furnishing
• 99%: The proportion of investors who will hold their property assets for at least the next 12 months.

Young Group supports NORWOOD and CHILDREN with LEUKAEMIA, two charities particularly close to our heart, donating £50 per property exchange and providing additional support throughout the year.  Visit www.younggroup.co.uk to learn more.

The Bank of England has voted to hold the base at 0.5% for the third consecutive month and announced that there will be no change in its policy of quantitative easing.

Neil Young, CEO – Young Group, believes that Bank of England’s rate setting committee is prudent in maintaining a degree of stability; “The MPC has previously acted decisively in a bid to stimulate the economy and lending markets. However, it is now quite right to take the time to assess the impact of those measures.

“Despite some positive economic news beginning to filter through, the impact of the MPC’s policy will not be felt overnight, so it comes as no surprise that the MPC has opted to take a ‘wait and see’ approach.

Neil Young concludes, “Bank of England Governor, Mervyn King, should be applauded for the stability that comes from keeping base rate and economic stimuli consistent. A degree of stability from the Prime Minister and his Government at this time would also be welcome…”

-ends-

About Young Group (www.younggroup.co.uk)

Young Group specialises in delivering Property Portfolio Management services to private and institutional investors.

The Group’s activity spans the entire investment cycle from identifying opportunities and financing their acquisition, through to managing the asset (furnishing through Young Furnishing – www.youngfurnishing.co.uk; tenanting through Young London – www.younglondon.co.uk; refinancing through Young Finance – www.youngfinance.co.uk), regularly reviewing the performance of the property holdings and advising on strategic direction, through to realising returns in the most tax efficient manner. This process also includes sale of property through Young London.

Young Group Asset Management – At a Glance:

· All assets successfully tenanted with no rent arrears disputes

· Currently managing 300-400 units across London

· Accredited by the National Approved Letting Scheme (NALS)

· Highly experienced in marketing the entirety of new apartment blocks, e.g. My Base1, Southwark (85 units – phased occupation); The Interchange, Dalston (30 units – fully tenanted in 8 weeks); The Retreat, Earlsfield (22 units – fully tenanted in 6 weeks)

· Average void across the portfolio: 8 days

· Performance Example: Young London managed assets in Southwark outperformed the market by 50% over the past 12 months. [Based on FindaProperty rental index for Southwark compared to Young London rental income performance]

· The lettings business was shortlisted for National Estate Agent of the Year Awards in its first year of operation

· 5,000 unique visits per week to website viewing 1.5m pages per year, 300%+ more than the Google benchmark for similar sized estate agents; an in-house increase of 60% since the beginning of 2009

· In 2008, Young Furnishing provided furnishing on behalf of our landlords to accommodate 272 Young London tenants

Neil Young, CEO – Young Group

A qualified accountant, Neil has more than 10 years experience in global corporate finance having worked with companies such as Thomson Holidays and British Airways. In 2000 he was appointed European Chief Financial Officer at Highland Partners, before leaving to found Young Group.

Neil works closely with his management team to ensure that Young Group operates effectively to manage clients’ investment assets and to ensure that all Group companies remain focused on delivering excellent service in all areas, whether it is in the realm of financial advice (Young Finance), investment opportunities, property management (Young London) or furnishing (Young Furnishing).

Visit www.younggroup.co.uk to learn more.

As the UK’s Bank of England Monetary Policy Committee (MPC) opts to hold the current base rate at 0.5%, the similarities between the current market and pre-credit crunch days become clearer – but so do the startling differences…

Neil Young, CEO of Property Portfolio Manager Young Group, believes that the Bank of England’s MPC base rate announcement’s recently are more reminiscent of the former Bank of England governor, the late Lord Eddie George’s, days of little change. “We seem to be heading back towards where we were before the credit crunch in as much as rates aren’t changing, the level of mortgage lending is stabilising and the majority of lending is through the high street rather than specialist lenders. However, the startling differences are that the base rate is now 0.5%, not the long term average of 5.0%, lending volumes are 60% lower and margins are at levels that the banks would previously only have dreamt of.”

Inflated Margins

Despite the fact that over the last 12 months three-month Libor has come down by 4.4 percentage points, the best trackers are only 3 percentage points lower.

“The treasury is fast to draw attention to the value of economic stimulus that it has provided, but much less quick to acknowledge that the treasury-owned lenders are amongst those sitting on the benefit of a record low base rate.” Neil Young, CEO – Young Group.

-ends-

About Young Group (www.younggroup.co.uk)

Young Group specialises in providing Property Portfolio Management services to private and institutional investors, offering asset management, acquisition and disposal off residential property investments in London.

At a Glance:

· 255: The number of apartments that Young Group clients have successfully completed on in 2008

· 67%: The percentage of new business generated through referral and by repeat investors

· £700 million: The value of property that Young Group has transacted since it formed in 2003

· 1,700: The number of apartments that Young Group has transacted since 2003

· 15: The number of developments offered to Young Group’s client base of global private investors

· 300: The number of assets currently under management by Young London – our lettings business

· £35 million: The value of mortgages written by Young Finance in 2008

· 272: The number of tenants who will sleep soundly in beds provided by Young Furnishing

· 99%: The proportion of investors who will hold their property assets for at least the next 12 months.

Young Group manages the entire investment process from sourcing opportunities through to financing (Young Finance: www.youngfinance.co.uk), furnishing (Young Furnishing: www.youngfurnishing.co.uk) and letting (Young London: www.younglondon.co.uk). Young Group is the principal in the majority of transactions and also retains a number of units for its own portfolio. As the principal, Young Group does not realise any profits until completion and has transacted in excess of 1,700 apartments, with a retail value of more than £700 million. The majority of our units are bought by clients for their private portfolios. The Group’s portfolio managers liaise with the Young London estate agency team in advance of completion to let investors’ apartments to quality tenants, often through corporate lets.

Young Group clients have access to all available finance products via Young Group’s FSA regulated mortgage desk, Young Finance.

· Young Group‘s iconic Canary Wharf development, The Landmark (www.TheLandmarkE14.com), has been awarded two Daily Mail Property Awards in the categories of best high rise development and best high rise architecture.  The Landmark East Tower rises to a height of 459 ft, making it one of the tallest residential properties in Europe.

· Young Group’s COO, Sylvana Young, has been named Bradford and Bingley’s Property Woman of the Year, 2008 for London.

· Young London (www.younglondon.co.uk) is a finalist in the national Estate Agent and Letting Agent Awards, 2009.

Young Group supports NORWOOD and CHILDREN with LEUKAEMIA, two charities particularly close to our heart, donating £50 per property exchange and providing additional support throughout the year.

Visit www.younggroup.co.uk to learn more.

Intercash Europe Ltd. will be on display at The Amsterdam Affiliate Conference (AAC). This event is set to attract some of the biggest names in the industry. Attendance is expected to be at an all time high as the AAC has opened its admission policy to encourage new affiliate attendees by opening its doors to all iGaming affiliates, eliminating the requirements of CAP Forum membership as a prerequisite for free attendance.

Intercash plans to readdress common concerns merchants and affiliate managers’ encounter. CEO of Intercash Europe Ltd. Patrick Seguev states “This is another great opportunity for Intercash to show affiliate managers and merchants how powerful our MasterCard solution is.” The MasterCard® prepaid solution is a mainstream product offered to the e-commerce world and Intercash is introducing it to the gaming and affiliate industry. Merchants and operators are now able to issue payments distinctively to both affiliates and players. Seguev goes on to state “With our system companies are able to reduce their overhead costs in issuing payments via cheque or EFT. Our prepaid MasterCard® solution is fast, convenient, and international.”

Given the many issues operators have in issuing payments to their players, having a system in which players could withdraw winnings directly to their card 24/7 will be appealing to gaming operators. Intercash is excited to be displaying at the Amsterdam Affiliate Conference because it has also created a prepaid card payout solution, specifically catered to benefit affiliate marketers. This payment method enables affiliates to receive their commissions directly onto a physical prepaid MasterCard®. “At the last conference we unveiled a system to bring new merchants onboard with no hassles, this time we’re in the position to offer the same. Merchants and affiliate managers who missed the opportunity last time to get setup without any cost will be able to do so this time around. All setup costs and the minimum card order will be waived. Merchants will have free access to the Intercash platform and get to issue a limited number of cards to their members.”

With their MasterCard® payment system, affiliates and players have the option to login to their account from anywhere in the world. All they need is a PC with internet access. They could then go ahead and withdraw funds directly and instantly. “Now they don’t have to wait for EFT’s to clear because the payments appear instantly on the card. “adds Seguev.

“We fundamentally believe that the future of affiliate payments will be prepaid cards. There is no faster way to issue payouts period. Our prepaid MasterCard® solution offers cardholders instant and global payments which players, affiliates and managers desire in addition to the benefits that the MasterCard® brand offers.”

Intercash will be available at booth E26 throughout the AAC

For more information on Intercash, please visit them at http://www.intercash.com or http://www.cardportal.com.

Company Info:

Intercash is a leading provider of global electronic payment solutions and online transaction services, specializing in the prepaid industry. With the power of innovative technology and a state of the art web based user interface, their top-of-the-line services facilitate global cash management for companies worldwide. Building on their experience, they have extended the banking business across frontiers and denominate payments in multiple forms and currencies. Intercash pioneered the prepaid card industry in Canada, and have had extensive experience deploying card programs and payment services for corporations throughout the world.

Intercash Europe Ltd.

Royal Trust House

60 Athol Street

Douglas, Isle of Man

IM1 1JD

Europe +44 (0) 1753 837 345

North America +1 514 282 2274

EFax +1 514 221 4002

E-mail: Info@intercash.com

Media Relations:

eSimplifyMe

http://www.esimplifyme.com

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JACKSONVILLE, FL—For the 2nd straight year, Jon Castle, CFP®, ChFC®, has been included in the 2009 edition of Consumers’ Research Council of America’s “Guide to America’s Top Financial Planners.” This publication is presented annually by Washington, DC based Consumers’ Research Council of America, an independent research company that evaluates professional services throughout America.

The selection process is based on a point value system. Points are awarded for education, years in practice and affiliations with professional associations and organizations. To ensure unbiased selections, the Consumer’s Research Council does not accept fees, sponsorships, donations or advertising from financial planners, CPA’s or any financial institutions.

Jon graduated from the United States Military Academy at West Point and served as an officer in the U.S. Army until he entered the financial services industry in 1995. Mr. Castle is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Chartered Financial Consultant Designation. His firm specializes in retirement planning, estate planning, and multigenerational wealth transfer techniques for high net worth clients and retiring business owners.

The “Guide to America’s Top Financial Planners” will be available to consumers via a new downloadable format at www.consumersresearchcncl.org

March 18th, 2009 1:20pm
FOR IMMEDIATE RELEASE:

Cumberland, WI – For the second straight year Brian T. Niemann, CFP®, ChFC®, founder and president of Wealth Management Group, LLC, has been included in the “2009 Guide to America’s Top Financial Planners.” This publication is presented annually by Washington DC based Consumers’ Research Council of America.

The selection is based on a system that awards points for education, years in practice, and affiliations with professional associations and organizations. No fees, sponsorships, donations or advertising are accepted from financial planners, CPAs or any financial institutions to ensure an unbiased selection.

Consumers’ Research Council of America is an independent research firm, based in Washington D.C. that evaluates professional services throughout the country. The 2009 “Guide to America’s Top Financial Planners” will be available to consumers via a new downloadable format at:
www.consumersresearchcncl.org.

Wealth Management Group, LLC, established in 2002 is an independent financial services firm operated by Niemann located in Cumberland, WI. Brian entered the financial field in 1988, is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Chartered Financial Consultant Designation. He specializes in retirement planning, estate planning, and multigenerational wealth transfer techniques for high net worth clients and retiring business owners.  To learn more about Mr. Niemann & Wealth Management Group, please view their site at www.LPL.com/Brian.Niemann.

Venulum Group the private wealth management firm specializing in alternative investments for US private investors uses the Pensco Trust Company as its preferred custodian of Individual Retirement Accounts, Solo K’s and 401K’s.

Pensco Trust Company, chartered in New Hampshire, is the US’s only single-service special asset custodian for self-directed Individual Retirement Accounts (IRAs) – focusing on non-traditional asset classes, such as real estate.

Giles Cadman, Chairman of Venulum (www.venulum.com), believes that Venulum’s clients benefit from the strengths of Pensco’s expertise in non-traditional IRA investment.
He explains. “Pensco’s IRA’s are ‘self-directed’, allowing the beneficiary more control over their investment decisions than traditional IRAs. When an IRA account is self-directed, the beneficiary makes all the investment decisions and instructs the custodian to act according to their wishes – giving clients maximum flexibility in the selection of their investments, utmost confidence in the stewardship, and dedicated customer service at every stage. We have been working with Pensco for a couple of years and found them to be very professional, and helpful.” he adds.

Rob Spalding, Business Development Officer from Pensco Trust Company (www.penscotrust.com), explained at the Venulum’s client conference last year that: “as a regulated IRA custodian, Pensco are independent and are never in conflict with investors’ goals because they do not sell investment products nor provide investment or tax advice”.

Venulum constantly seeks to improve its private wealth management services based on close consultation with its clients; and for those clients unable to transfer their retirement funds to Pensco, negotiations are in progress with several other custodians. In fact, Venulum has recently received approval for its Real Estate Funds from the Equity Trust Company (www.trustetc.com).
Equity Trust’s IRAS are also self-directed, and this chartered Ohio company is the nation’s leading provider of self-directed and real estate IRAs. Equity Trust and its affiliates have been at the forefront of the self-directed retirement plan industry since 1974, with tens of thousands of clients.
About Venulum:
The Venulum Group is a multinational private wealth management firm headquartered in the British Virgin Islands. The Group manages the wealth of high- net worth, accredited individuals, and specializes in alternative investments often not available to the general public. Venulum helps high net worth individuals balance their portfolios.

The Venulum Group was formed in 2002, and has expanded to include offices in five countries. Since 2002 Venulum’s client base has grown steadily, and now has a substantial number of United States based clients.

PR Contact Details:
Chris Pattison
CJP Intelligent Marketing
53 54 Brooks Mews
London
W1K 4EG
UK
www.letscreate.it
+44 (0) 207 491 4443

Venulum’s Castaways bar in Tortola’s capital Road Town highlights the group’s active commitment and involvement within the BVI community.

Castaways (www.castawaysbvi.com) is the Venulum Group’s first bar in the British Virgin Islands. Giles Cadman, Chairman of the Venulum Group (a BVI headquartered multi-national private wealth management firm, www.venulum.com) also wanted to put something back into the BVI community. Castaways, which employs eight local people, is one of a number of projects that Venulum has been practically involved with in boosting the local economy and the environment.

Castaways, situated in the heart of Tortola’s capital Road Town (opposite the ferry dock), is a comfortable, laconic venue that fits a niche for the local and ex-pat community in the business district. The bar is air-conditioned and boasts a wide selection of drinks and bar snacks, widescreen TVs and a fantastic roof terrace with a refreshing sea breeze. It’s the perfect place to unwind, watch the game, or for a big night out at the end of the week.

Castaways opened in late 2007 starting steadily and continues to focus on developing the comfort and range of refreshments and services available to its patrons. 2009 promises to be an exciting year for the venue with a number of new initiatives being launched. Castaways will shortly be spreading its appeal to cruise ship tourists by introducing a lunchtime menu.

Venulum is also a major shareholder in Caribbean Sustainable Fisheries (CSF), a BVI-based aqua culture company that aims to sustainably farm Caribbean Spiny Lobsters. The underlying principle behind Caribbean Sustainable Fisheries is biological neutrality – to create a scalable, sustainable lobster-farming model that can be reproduced throughout the world – whilst making a solid contribution to the local economy. This project is currently entering its commercial phase and hopes to produce its first commercially sized lobsters in 2009.

About Venulum:

The Venulum Group is a multinational private wealth management firm headquartered in the British Virgin Islands. The Group manages the wealth of high net worth individuals, and specializes in alternative investments often not available to the general public. Venulum helps high net worth individuals balance their portfolios.

The Venulum Group was formed in 2002, and has expanded to include offices in four countries. Since 2002 Venulum’s client base has grown steadily, and now has a substantial number of United States based clients.

PR Contact Details:

Chris Pattison

CJP Intelligent Marketing

53 54 Brooks Mews

London

W1K 4EG

UK

www.letscreate.it

+44 (0) 207 491 4443

Venulum has expanded its Toronto office in the prestigious Royal Trust Tower on Canada’s equivalent of Wall Street.

Dec, 2008 – Venulum, a multinational private wealth management firm, has recently expanded its Toronto operation in the prestigious Royal Trust Tower on Canada’s equivalent of Wall Street – alongside the world’s leading financial institutions.

Venulum ( www.venulum.com) has doubled its office space in the Royal Trust Tower, which forms part of the Toronto-Dominion Centre ( www.tdcentre.ca/). The Centre, which comprises six skyscrapers in one block, is the most important financial centre in the country thus drawing comparisons to New York’s Wall Street.

The Royal Trust Tower, situated adjacent to the Ernst & Young Tower was designed by the famous architect Miles van der Rohe, who was one of the pioneers of modern architecture (he designed New York’s Seagram building). It is one of the most important buildings in the country; home to some of the world’s most established and respected financial institutions including Price Waterhouse Coopers & Deloitte and Touche.

Richard Lowden, C.F.O. & Senior Vice-President of The Venulum Group, explains the reason behind the expansion: “Venulum is growing as a business. While many other investment companies are making cuts in the current economic climate, we are experiencing growth. The new office gives a more efficient working environment and a base where we continue to welcome clients who are unable to attend conferences.”

Venulum’s expansion in this prestigious location can be mainly attributed to the fact that its property and wine investments are holding up well in testing times. Giles Cadman, Chairman of Venulum, comments on Venulum’s property that: “We are entering a period of great opportunity to acquire some bargains in the property markets, and Venulum is constantly being offered distressed sales from cash-strapped developers.”

Also, at this time of such volatility on the world financial markets, ensuring any investment portfolio carries a modest percentage of fine wine appears sound advice for longer-term stability; a thought echoed and backed up by many experts.

Mike King, Director, Venulum En-Primeur and Wine Investments Limited, comments of Venulum’s Wine fund: “Whilst there were no new investments into the fund during the last quarter, it was a very successful period – the share value rising by over 6%.”

Venulum has used a professional project manager for their office expansion, plus professional designers and furniture consultants to make the office space as comfortable for staff and clients as possible. There is also a new staff training area, more meeting space, and separate areas for client acquisition, admin, management and account managers, plus a more prominent entrance right off the elevators.

About Venulum:

The Venulum Group is a multinational private wealth management firm headquartered in the British Virgin Islands. The Group manages the wealth of high net worth individuals, and specializes in alternative investments often not available to the general public. Venulum helps high net worth individuals balance their portfolios.

The Venulum Group was formed in 2002, and has expanded to include offices in four countries. Since 2002 Venulum’s client base has grown steadily, and now has a substantial number of United States based clients.

PR Contact Details:

Chris Pattison

CJP Intelligent Marketing

53 54 Brooks Mews

London

W1K 4EG

UK

www.letscreate.it

+44 (0) 207 491 4443

Neil Young, CEO – Young Group, points out that in the current market, it’s vital to ensure that your credit rating is as healthy as possible; “Lenders are being more cautious than ever and prefer to lend to those with the most squeaky clean credit history. So if you’re considering applying for finance such as a mortgage or secured loan, it pays to make sure that your credit report is in the best possible shape.”

The way that you’ve dealt with credit in the past is the principal way that lenders assess whether they want to take the risk of lending to you or not. They get this information from credit reference agencies such as Experian and Equifax and look at how you’ve managed things like loans, credit cards, store cards and mortgage repayments in the past to decide whether your application will be approved.

The Spring Clean

The following simple steps should be used to improve your credit report before you make an application, to ensure that you stand the best possible chance of securing appropriate, affordable credit.

1. Assert your right to vote

As a protection against fraud, lenders use the electoral register to check that you are who you say you are and that you live at the address that you claim to. So if you aren’t registered on the electoral roll – or haven’t updated your details with your current address, lenders may need additional proof of your identity or refuse your application.

2. Sever irrelevant relationships

When you apply for credit, lenders are able to also check the credit reports of anyone with whom you are listed as having a financial relationship, in case their financial situation makes it difficult for you to meet your repayments. This includes anyone that you have a joint mortgage, credit card or bank account with. So if you are separated or divorced, make sure you tell your lender and the credit reference agencies as soon as possible.

3. Cut your credit

Lenders look at your credit history to see that you are managing your repayments. Even if you are meeting your current repayments, if you have a large amount of available credit (for example on credit cards), lenders not feel comfortable that you could manage to meet the repayment on your application if you were to ‘max out’ your existing available credit too.

If you have additional capacity on credit cards that you do not need, ask the provider to lower your credit limit. Or better still, move outstanding balances to your card with the lowest interest rate and close the unused credit card accounts.

4. Get yourself a reputation

If you’re a first time buyer and have never had a credit card or loan, it makes it difficult for lenders to establish that you have a good history of meeting repayments.

So if you’re a first time buyer thinking of applying for a mortgage, consider taking out a credit card six months prior to making an application. Using it and paying off the balance in full each month will build some basic credit history.

5. Eye the detail

Ensure that your report accurately reflects your current circumstances. Keep a watchful eye for rogue accounts or charges caused by identity theft or fraud and for duplicate entries that result in duplicates of your unpaid balances. Lenders may not always update the credit reference agencies straight away, so if your circumstances change or you notice information that is outdated, ask your lender to inform Experian and Equifax immediately.

Maintain a Healthy Credit Score

A spring clean is all well and good, but follow these steps to keep your credit score in tip top condition:

1. NEVER miss the mortgage

Missing a mortgage payment is considered by most lenders to be a cardinal sin, and is considered more serious than missing a payment on any other form of credit. But no matter who the lender is, if you’re having difficulties in meeting repayments, speak to them as early as possible and they will help to work out a payment schedule that you can afford.

2. The whole truth and nothing but the truth

Make sure that information you provide on applications is accurate and truthful. Inconsistencies can have a negative effect on your credit score when lenders uncover inaccuracies, and may be considered to be fraudulent.

3. Enquire without a trace

When you’re at the stage of just researching loans, credit cards, mortgages or other lending, be sure that you don’t unwittingly allow lenders to make an application and search your credit report. Lenders should not access your credit history until you expressly request them to and when they do, it will leave a trace on your report. When lenders see a number of these they may think that you are desperate for as much credit as possible or that fraudulent activity is being planned.

4. Get it settled

If you have defaulted on credit or had a County Court Judgment (CCJ) against you, it will be noted on your credit report. Even once ‘settled’, some lenders restrict their lending to those whose CCJ or default has been logged as settled for 12 months or more with the credit reference agencies. In which case, it is important that as soon as the status becomes settled, you ensure that your lender informs the credit reference agencies and that your credit report is updated accordingly.

5. Keep a watchful eye

Just as you should always keep an eye on your bank and credit card statements, make it a habit to take a look at your credit report. It changes constantly, so it’s important to ensure that it remains accurate and up to date, that no one is running up debt in your name and that the correct information is being passed to the credit reference agencies by your lenders.

Understanding and proactively managing your credit history can help you get the best access to finance deals.

-ends-

Notes for Editors:

About Young Group

Young Group specialises in providing Property Portfolio Management services to private investors, offering the best off-plan direct investment opportunities in London, as well as access to indirect, development fund investment opportunities through its development arm, Young Property. Young Group manages the entire investment process. For direct investments this spans from sourcing the opportunities through to financing, furnishing and letting. Young Group owns all the property that it sells, and also retains a number of units in each development for its own portfolio. As the principal in every transaction, Young Group does not realise any profits until completion and has transacted in excess of 1,700 apartments, with a retail value of more than £700 million. The majority of our units are bought by clients for their private portfolios.

The Group’s portfolio managers liaise with the Young London (www.younglondon.co.uk) estate agency team in advance of completion to let investors’ apartments to quality tenants, often through corporate lets.

· Young Group’s iconic Canary Wharf development, The Landmark (www.TheLandmarkE14.com), has been awarded two Daily Mail Property Awards in the categories of best high rise development and best high rise architecture.  The Landmark East Tower rises to a height of 459 ft, making it one of the tallest residential properties in Europe.

· Young Group’s COO, Sylvana Young, has been named Bradford and Bingley’s Property Woman of the Year, 2008 for London.

Young Group supports NORWOOD and CHILDREN with LEUKAEMIA, two charities particularly close to our heart, donating £50 per property exchange and providing additional support throughout the year. Visit www.younggroup.co.uk to learn more.

About Young Finance

Young Finance (www.youngfinance.co.uk) is an appointed representative of Thinc Assured Network, one of the UK’s largest financial advisory firms and is not tied to any group of lenders, nor does it charge commission or transaction fees.

Neil Young, CEO – Young Group, is available for interview/further comment

Sovereign Finance, the oldest firm of financial advisers in the East Grinstead area, recently celebrated its 27th anniversary. And East Grinstead’s Town Mayor, Ian Dixon, and his wife, Janet, were present to officiate at the event, wielding a ceremonial sword to cut the cake.

Established in 1981, the company is an independent firm of financial

Sovereign Finance,

Established in 1981, the company is an independent firm of financial advisers and mortgage and loan brokers. In the past year, the company, along with their Cardiff office, arranged over £12 million pounds in mortgages and loans and invested over £2.5 million on behalf of their clients in pensions and other investments. The company has played a very active role in the community with the Chamber of Commerce and business clubs, as well as sponsoring youth sport, the arts and various charitable fund raising activities. The Founding Partner, Trevor Tupholme, also plays an active role in East Grinstead in Bloom.

Town Mayor, Ian Dixon, said, “It is a pleasure to help acknowledge Sovereign’s anniversary. With more and more businesses failing to survive in the challenging economic climate, such longevity is commendable.”

Partner, Trevor Tupholme, said, “Although we do business throughout the UK, we have always considered ourselves a local business and sought to play an active role in the community. East Grinstead is a good place to be in business and we hope to celebrate many more anniversaries in the years to come.”

Partner, Tom Shuster, added, “Regardless of the doom and gloom any honest, hard working business with a worthwhile product stands a good chance. We have had an extra advantage because of the excellent management tools we use.”

Sovereign Finance is an award winning company, having won a national award for Mortgage Broking in 2002 and several other awards for the quality of its business management. As Independent Financial Advisers, Sovereign Finance is like a department store for financial services. Its ability to deal with all the product providers means it can provide a selection of the highest quality products and services for their clients. The dedication of the company and its staff to providing efficient and friendly service can be seen from the many thank you letters they receive. Sovereign Finance can help with mortgages and remortgages, secured loans, pensions and retirement planning, savings and investments, and life assurance and critical illness cover.

S

overeign Finance, 29a London Road, East Grinstead, West Sussex, RH19 1AW. e-mail info@sovereignfinance.org Telephone: 01342 313 320. For more information contact Tom Shuster.

advisers and mortgage and loan brokers. In the past year, the company, along with their Cardiff office, arranged over £12 million pounds in mortgages and loans and invested over £2.5 million on behalf of their clients in pensions and other investments. The company has played a very active role in the community with the Chamber of Commerce and business clubs, as well as sponsoring youth sport, the arts and various charitable fund raising activities. The Founding Partner, Trevor Tupholme, also plays an active role in East Grinstead in Bloom.

advisers and mortgage and loan brokers. In the past year, the company, along with their Cardiff office, arranged over £12 million pounds in mortgages and loans and invested over £2.5 million on behalf of their clients in pensions and other investments. The company has played a very active role in the community with the Chamber of Commerce and business clubs, as well as sponsoring youth sport, the arts and various charitable fund raising activities. The Founding Partner, Trevor Tupholme, also plays an active role in East Grinstead in Bloom.

Town Mayor, Ian Dixon, said, “It is a pleasure to help acknowledge Sovereign’s anniversary. With more and more businesses failing to survive in the challenging economic climate, such longevity is commendable.”

Partner, Trevor Tupholme, said, “Although we do business throughout the UK, we have always considered ourselves a local business and sought to play an active role in the community. East Grinstead is a good place to be in business and we hope to celebrate many more anniversaries in the years to come.”

Partner, Tom Shuster, added, “Regardless of the doom and gloom any honest, hard working business with a worthwhile product stands a good chance. We have had an extra advantage because of the excellent management tools we use.”

Sovereign Finance is an award winning company, having won a national award for Mortgage Broking in 2002 and several other awards for the quality of its business management. As Independent Financial Advisers, Sovereign Finance is like a department store for financial services. Its ability to deal with all the product providers means it can provide a selection of the highest quality products and services for their clients. The dedication of the company and its staff to providing efficient and friendly service can be seen from the many thank you letters they receive. Sovereign Finance can help with mortgages and remortgages, secured loans, pensions and retirement planning, savings and investments, and life assurance and critical illness cover.

Sovereign Finance, 29a London Road, East Grinstead, West Sussex, RH19 1AW.

www.sovereignfinance.org

e-mail info@sovereignfinance.org Telephone: 01342 313 320.
For more information contact Tom Shuster.

TwoPercentSecret.com is a new company based in Irvine California devoted to helping people avoid the looming retirement crisis. Retiring baby boomers will soon put a strain on the Social Security system at an unprecedented level. The average retiree now receives $1,258 a month with an inevitable crisis coming in 2017 when more money will be paid out than will be collected.

TwoPercentSecret.com is helping people plan for a secure future by investing retirement funds in pre-developed land.

Land has created more millionaires than the stock market. Historically, developed Real Estate and the stock market have not appreciated at nearly the rate of pre-developed land in the path of growth of the Los Angeles metropolitan area. Thirty years ago you could have purchased a typical house in Southern California for $25,000. Today that house is worth between $500,000 and $700,000, depending on location. If you had invested that same amount in the stock market, today it would be worth less than your house. Yet if you had gone three to five miles, in any direction, outside of the Los Angeles Metro area, you could have purchased three acres of land for $8,000 per acre. Today that land would be worth $7 ½ M to $15 M, depending on location. This is the power of land banking.

Land Banking was a real estate acquisition strategy traditionally reserved only for the super rich and is the strategy of buying and holding pre-developed land, in the path of growth, for future sale. The key is to identify these parcels well in advance, wait for their values to mature, and realize a significant profit upon the sale. This is the secret that only two percent of investors know. California is growing by six hundred thousand people per year and half of that growth is coming to Southern California. There is always a path of growth in California and now is an excellent buying opportunity.

A group of investors can pool their funds, as little as $10,000 each, to purchase larger parcels making the property more attractive to developers in the future. Now with the ability to roll your IRA, 401(k) and other retirement funds into pre-developed land, the door is open for individuals to take advantage of this stable and lucrative investment. This opportunity is open to everyone who is at least five years away from retirement, and is not limited to residents of California only. Many people do not have the time or expertise to buy land themselves, especially in a Self-Directed IRA, but this is where TwoPercentSecret.com can help.

Wayne Zickefoose has an MBA from the University of Southern California, has studied the stock market for 21 years, and is a Land Banking expert in the Southern California area. Upon discovering the power of Land Banking, he gave up on the frustrating, volatile, uncertain stock market. You may contact him at:

TwoPercentSecret.com

March 18th, 2008 12:20pm
FOR IMMEDIATE RELEASE:

Rice Lake, WI – Brian T. Niemann, CFP®, ChFC®, founder and president of Wealth Management Group, LLC, has been included in the “2008 Guide to America’s Top Financial Planners.” This publication is presented annually by Washington DC based Consumers’ Research Council of America.

The selection is based on a system that awards points for education, years in practice, and affiliations with professional associations and organizations. No fees, sponsorships, donations or advertising are accepted from financial planners, CPAs or any financial institutions to ensure an unbiased selection.

Consumers’ Research Council of America is an independent research firm, based in Washington D.C. that evaluates professional services throughout the country. The 2008 “Guide to America’s Top Financial Planners” will be available to consumers via a new downloadable format at:
www.consumersresearchcncl.org.

Wealth Management Group, LLC, established in 2002 is an independent financial services firm operated by Niemann. They are located In Rice Lake, WI with a second office opening this summer in nearby Cumberland, WI. Brian entered the financial field in 1988, is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Chartered Financial Consultant Designation. He specializes in retirement planning, estate planning, and multigenerational wealth transfer techniques for high net worth clients and retiring business owners.

EOTM Real Estate Group has just launched the H.O.M.E. Initiative.

H – ome

O – wnership

M – ortgage

E – mpowerment

“Accelerating positive change within the Mortgage Industry”.

Helping Families that were directly affected by the mortgage crisis.

EOTM Real Estate Group’s Community Building Initiative is to right a wrong so to speak”, Carla Barnes founder of EOTM Properties, LLC says. Creating hope, sooner rather than later. Building better building blocks…the kind that will withstand storms and make our parents and grand parents proud. An initiative that is needed.

This initiative will help families that have had their homes foreclosed on within the past two years get back on track to a brighter tomorrow for themselves and their families.

Understanding why the market crashed is one thing, having an even greater understanding of what it will take to make it better and putting this into place in our communities is what we as mortgage and real estate professionals should be willing to do.

The EOTM’s Real Estate Group Community Initiative will help Families find quality homes to rent or lease for a 12 – 24 month period. Within that time frame these families will work hand and hand with Credit Coaches to help put them back on track to homeownership, the right way. Get More information on EOTM’s new H.O.M.E. initiative today by visiting www.eotmrealestategroup.com

Contact: Richard Dragotta Date: 3/2008

201-939-6644 www.IntegraAdvisor.com FOR IMMEDIATE RELEASE

Richard G Dragotta Acknowledged for Exceptional Performance

Richard G Dragotta was recently named to the prestigious LPL Financial Chairman’s Club – a status reserved for less than 6% of all advisors, based on a production ranking of all registered advisors at LPL Financial at year end 2007. During the annual LPL Financial MASTERS 2008 conference, Dragotta was recognized for his exceptional performance and commitment to client service.

The conference featured four speakers who are nationally renowned experts in their respective fields: Mike Abrashoff, Former U.S. Navy Commander and author, It’s Your Ship; Frank Abagnale, author, lecturer and consultant; Newt Gingrich, conservative political visionary and thought-leader; and Tony Snow, White House Press Secretary (2006-2007). The speakers shared valuable insights on leadership, developing meaningful client relationships, achieving excellence by empowering others and protecting against identity theft.

Approximately 750 LPL Financial advisors from around the United States gathered at the luxurious JW Marriott Desert Ridge Resort & Spa in Phoenix, Arizona. Advisors used the opportunity to network, receive recognition for their achievements and enjoy leisure time with peers. The conference was hosted by LPL Financial to recognize its top-producing advisors for providing superior service to their clients.“We firmly believe LPL Financial advisors are the most talented pool of independent advisors anywhere,” says Bill Dwyer, President of LPL Financial Independent Advisor Services. “They exemplify how hard work and passion for service can result into great benefits for their clients.”LPL Financial, which celebrates its 40^th anniversary in 2008, is the largest independent broker/dealer in the country. * The company’s success has been driven by a commitment to enable independent financial advisors to reduce the complexity of running and managing a successful business. “As we celebrate our firm’s 40^th anniversary this year, we see the tangible rewards of the commitment our firm made four decades ago,” Mr. Dwyer says. “From the earliest days to the present, we have remained steadfastly focused on a single goal: to provide our independent advisors with unparalleled service, unbiased research, non-proprietary products, technology-enabled business processing support, and, most importantly, the freedom to serve their clients in the best way possible.” LPL Financial has a network of 11,000 financial advisors nationwide as of 12/31/2007 and has more than $271 billion in client assets under management. **

LPL Financial A Registered Investment Advisor Member FINRA/SIPC

*Based on total revenues, Financial Planning Magazine, June 1996 – 2007.** Numbers total accurate as of 12/31/2007

FOR IMMEDIATE RELEASE: Jonathan Castle

Regional Vice President

Mar 5, 2008 P: 904 861-0093

F: 904 861-0098

jcastle@thgaz.com

www.WealthGuards.com

Consumers’ Research Council of America adds Jonathan Castle, CFP®,ChFC® to “Guide to America’s Top Financial Planners”

JACKSONVILLE, FL—Jon Castle, CFP®, ChFC®, a local estate and retirement planner, has been included in the “2008 Guide to America’s Top Financial Planners.” This publication is presented annually by Washington, DC based Consumers’ Research Council of America, an independent research company that evaluates professional services throughout America.

The selection process is based on a point value system. Points are awarded for education, years in practice and affiliations with professional associations and organizations. To ensure unbiased selections, the Consumer’s Research Council does not accept fees, sponsorships, donations or advertising from financial planners, CPA’s or any financial institutions.

Jon graduated from the United States Military Academy at West Point and served as anOfficer in the U.S. Army until he entered the financial services industry in 1995. Jon is a CERTIFIED FINANCIAL PLANNER™ professional and holds the CharteredFinancial Consultant Designation. He specializes in retirement planning, estate planning,and multigenerational wealth transfer techniques for high net worth clients and retiring

business owners.

The “Guide to America’s Top Financial Planners” will be available to consumers via a new downloadable format at www.consumersresearchcncl.org

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