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   May 20

KnowledgeWorks Names Eileen Rudden, Education Advocate and Software Veteran, to Board of Directors

By kangsalam

KnowledgeWorks Names Eileen Rudden, Education Advocate and Software Veteran, to Board of Directors











Eileen Rudden


Cincinnati, OH (PRWEB) May 17, 2012

Eileen Rudden, an information technology pioneer and hands-on advocate for improving public education, has been appointed to the Board of Directors of KnowledgeWorks, President and CEO Brian Ross announced today.

Rudden, who served on the KnowledgeWorks board from 2008 to 2010, recently served as Chief Officer, College and Career Preparation at Chicago Public Schools. At CPS, Rudden led the efforts of the third largest public school system in the United States to increase college access and persistence and to reinvent career and vocational education. She was a 2009 Broad Fellow and graduate of the Broad Superintendent’s Academy, a rigorous, 10-month program that places successful executives into urban school districts to help those districts transform into effective public enterprises.

At KnowledgeWorks, Rudden will help direct the efforts of the social enterprise as it seeks to expand its innovative approaches to education nationwide through two high school transformation subsidiaries and its “Cradle to Career” collective impact initiative to help communities improve education outcomes for kids.

“KnowledgeWorks has consistently shown itself to be an organization which is focused on transforming the world of K-12 education from a world of schooling to a world of learning,” Rudden said. “I am attracted by its New Tech Network High Schools, its Strive community cradle-to-career approach, and Ed Works’ ability to create early college high schools, STEM schools and turnaround schools.”

KnowledgeWorks Board Chairman Joseph P. Tomain said Rudden’s rejoining the board enhances KnowledgeWorks’ strategic focus. “Eileen returns to the board as a Broad Fellow and having helped the nation’s third-largest school district move forward the college and career readiness agenda,” Tomain said. “Her perspective is invaluable as we strive to equip students for the future and help communities support children from cradle to career.”

Ross said he is looking forward to Rudden’s expertise on the board. “Eileen’s ability to ask insightful questions and challenge us to always keep student achievement at the center of our work is a hallmark of her leadership,” he said.

Rudden holds a bachelor’s degree from Brown University and an MBA from Harvard, and has been a leader in the innovative software industry for more than 25 years. She currently serves as Board Chair of SoundBite Communications, an emerging company providing cloud-based customer communications, as well as advising education software startups such as The Achievement Network, A Better Lesson and Testive.

She formerly led the Unified Communications Division of Avaya, a Fortune 500 global business communications leader. A 14-year veteran of IBM’s Lotus Software unit, Ms. Rudden was senior vice president and general manager responsible for Lotus Notes and Domino email and collaboration software. She was a member of IBM’s Technical Leadership Council. Early in her career, Rudden was a manager at The Boston Consulting Group.

In education, Rudden served on the board of trustees of Brown University from 2003-2009. She was the elected President of the 70,000 member Brown Alumni Association and is currently the Chair of the Advisory Committee on Computing and Information Technology at Brown. Rudden is also former Treasurer and trustee of Lesley University, a major provider of graduate education to classroom teachers in the United States, and currently serves on Lesley’s Leadership Council.

KnowledgeWorks is bringing the future of learning to America’s high schools and creating widespread, lasting change in the communities and states we serve. Our portfolio of high school approaches includes New Tech Network high schools, EDWorks New Start, Fast Track and STEMLab high schools. Building on the principles of collective impact, our Strive subsidiary is helping communities create the civic infrastructure to unite stakeholders around shared goals, measures and results in education and organizing a national network of cradle-to-career communities.











Attachments

















Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Posted in General Business , , , , , , , , , , | 1 Comment »

   May 20

   May 18

An Englishman’s (Detached) Home (With Swimming Pool) Is His Castle

By kangsalam

An Englishman’s (Detached) Home (With Swimming Pool) Is His Castle











UK (PRWEB UK) 16 May 2012

The UK’s dream home is a 3,800 sq ft detached house by the sea, with a swimming pool, according to research by home insurance provider, swiftcover.com.

The research discovered that although a detached home is ‘the dream’ property type for more than half (55 per cent) of UK homeowners, a cottage (15 per cent) and even a bungalow (13 per cent) made up the top three ‘most wanted’. Six per cent see their dream home as being a castle.

For almost half (46 per cent), the coast is the location of choice, followed by the countryside for one in four (26 per cent). Age certainly influenced the location of the perfect pad with the majority (51 per cent) of those aged over 54 wishing for a seaside location, whereas the youngsters (18 to 24 yr olds) saw their dream pad in a town or city centre (14 per cent) – more than any other age group.

Despite having a firm idea of what their perfect home would look like, less than half (41 per cent) expected to be able to afford it at some stage in their life; however, those determined to fulfil their goal believe that they’ll do so by the time they turn 44 years old. Just two per cent said they’d have it by the time they turned 30 years old.

James Barclay, home insurance underwriting manager at swiftcover.com said: “A detached house by the sea with four or five bedrooms is the UK’s perfect pad. Having goals and aspirations is wonderful but it’s such a shame that our property dreams are simply out of reach for the majority of us.”

swiftcover.com’s own desk research went on to reveal the cost of the UK’s dream home – analysing the data obtained from the above research i.e. a detached, four bedroom house with a private swimming pool, alongside the price of existing houses matching this description currently on the property market – to be in the region of £1.5m.

Accompanying the research, calculations revealed that with a down payment of a third on the £1.5m perfect house, the mortgage equates to £9,376.67 a month (1) over 11 years – assuming the person was a first time buyer at 30 years old and acquires their perfect home at 44 years old. This would require a household income of £23,441.68 a month, or £281,300 a year (2) – £140,650 each person, considering a couple would be likely to be paying the bill.

Brits’ perfect pads weren’t confined to a particular size, location or type but these perfect pads contained a few ‘must have’ entertainment rooms. A swimming pool was the biggest splash with almost half (43 per cent) citing one as a must have for their dream home. A cinema room (30 per cent) and games room (27 per cent) was also high on the list for many. Those with virtual billions demanded riding stables (eight per cent) and a golf course (three per cent) to accompany their four bed detached house by the sea.

James Barclay continued, “Whether it’s a £1.5m dream home or a slightly more realistically priced property, movinghouse is always a huge decision and probably the most money you will ever spend. A house is an enormous investment and requires some serious thought but taking care of it once you own it is also vitally important. Budgeting for adequate home insurance cover is extremely important.”

Home insurance is a vital part of all homeowners needs. Not only is buildings insurance a necessity when moving house, the larger a house is the more likely it is to need regular upkeep and care.

Furthermore, you should also check that your contents in your home are adequately insured and that your valuables limits within your home insurance policy are sufficient.

Until mid June, swiftcover.com home insurance is offering Home Assistance at 50 per cent discount. Home Assistance provides cover in the event of an emergency in the home, such as blocked drains, burst pipes and broken boilers.

In addition to this, customers can also get up to 25 per cent discount when buildings and contents insurance are bought together.

For more information visit http://www.swiftcover.com/homeinsurance . For a full copy of the research, please see the contact details below.

Ends

Notes to Editors

Based on a survey of 1,621 UK adults carried out by Opinion Matters.

(1)    Mortgage calculated over 11 years assuming a third equity at 4% interest. Calculated using John Charcol’s online calculators.

(2)    Assuming a mortgage should make up no more than 40% of a households income

Swiftcover home discounts includes:

(1)    Swiftcover is offering Home Assistance for half price (50% off) when it is added to a home insurance policy. The offer applies to new policies only and is valid for the first year of cover. The offer ends on the 19th June 2012.

(2)    Customers can get up to 25% discount when buildings and contents insurance are purchased together. 80% of customers who purchased a combinedbuildings and contents insurance policy between Aug-Oct 2011 achieved this discount. The discount is applied to the annual premium when buildings and contents insurance are purchased at the same time.

For press enquiries please contact:

Luke O’Mahony or Sean Williams

Brazil (PR agency for swiftcover.com)

020 7785 7383 (07931 718 429)

swiftcover (at) agencybrazil (dot) com

About swiftcover.com:

Based in Cobham, Surrey and employing more than 1,000 people, swiftcover.com started trading in June 2005 and wasborn out of a desire to revolutionise the general insurance market by making insurance quick and easy to use.

swiftcover.com offers car, home, travel and pet insurance online, and is the only insurance provider in Britain not to use call centres, which provides cost savings that can be passed directly onto the customer, keeping premiums low. swiftcover.com was named Best Value for Money Car Insurer in the UK in the 2010 Lovemoney.com awards.

This powerful operating model combined with successful marketing and competitive pricing has proven to be a tremendous success. In 2008 swiftcover.com achieved over half a million live policies and in May 2009 sold its millionth policy. swiftcover.com isconsidered to be one of the fastest-growing online insurance providers in the UK and, as of February 2011, has more than 800,000 policy holders.

In 2007, AXA UK acquired swiftcover.com. It is now a wholly owned subsidiary of AXA Insurance UK plc which forms part of AXA Group.

About AXA:

AXA UK is a part of the AXA Group. The AXA Group is a worldwide leader in insurance andasset management serving 101 million clients. It is ranked the largest insurer in the world by net written premium and the top insurance brand globally.

In the UK AXA operates through a number of business units including: AXA Wealth; AXA Commercial Lines, AXA Personal Lines, AXA PPP healthcare, AXA Ireland and an independent distribution business Bluefin. AXA employs over 13,000 staff in the UK.

For full year 2011, IFRS revenues amounted to Euro 86.1 billion and IFRS underlying earnings to Euro 3.9 billion. AXA had Euro 1,079 billion in assets under management as of December 31, 2011.

The AXA ordinary share is listed on compartment A of Euronext Paris under the ticker symbol CS (ISIN FR0000120628 – Bloomberg: CS FP – Reuters: AXAF.PA). AXA’s American Depositary Share is also quoted on the OTC QX platform under the ticker symbol AXAHY.

The AXA Group is included in the main international SRI indexes, such as Dow Jones Sustainability Index (DJSI) and FTSE4GOOD.























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Posted in Insurance , , , , , , | 1 Comment »

   May 18

Seattle Area Autism Consultan Earns Prestigeous RDI Program Certification

By kangsalam

Seattle Area Autism Consultan Earns Prestigeous RDI Program Certification










Houston, TX (PRWEB) December 9, 2005

A Seattle area autism consultant has earned certification in the Relationship Development Intervention (RDI®) autism treatment program. Sherri Miller earned certification from Connections Center of Houston, which developed the RDI program.

A rigorous process, the Certification Program typically takes 18 months to complete. Consultants are trained to administer the Relationship Development Assessment™ (RDA™) and provide ongoing support to parents.

The RDI program is a cognitive model designed to work with children who have Autism Spectrum Disorders by providing consultation to families to address the core deficits, which include flexible thinking, communication and development of self, as well as social and emotional relationships.

“We consider the role of Certified RDI Consultants such as Sherri to be nurturing the primary relationship between parent and child by raising the parents’ level of competence and confidence,” said Dr. Rachelle Sheely, who developed the RDI program with Dr. Steven Gutstein and oversees the RDI Certification Program. “Most parents run into challenges from time to time, so having an ongoing relationship with a Consultant who knows their family can make a big difference.”

Demand is growing for consultants with expertise in autism treatments, including the RDI program, due to a sharp rise in the prevalence of autism and associated disorders. According to the most recent Washington Public Schools Autism Prevalence Report, 3,112 Washington children between ages three and 22 had been diagnosed with autism in 2003, up 85 percent from just 1,684 cases reported in 2000. Some in the education and medical communities describe the increasing incidence of autism as an epidemic.

Miller, who holds a Certificate of Clinical Competence in Speech-Language Pathology, administers the RDA and provides ongoing support services for parents who are implementing the RDI program. Miller can be reached at:

Sherri Miller, M.S., CCC-SLP

Everett, Wash.

Phone: 425.742.4218

Editor’s Note: A downloadable high-resolution photo of Sherri Miller is available at http://www.keeneypr.com/attachments/files/39/Sherri_Miller.jpg.

About Connections Center

Established in 1995, the Connections Center for Family and Personal Development, based in Houston, is a multi-disciplinary program to develop innovative evaluation and intervention programs for people with relationship disorders. Led by Dr. Steve Gutstein and Dr. Rachelle K. Sheely, the Connections Center staff provides a full range of evaluation and treatment services, including the RDI program. They provide education and training to families and professionals worldwide. More information is available at http://www.rdiconnect.com.

# # #



















Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







Posted in Consultans , , , , , , , , | 1 Comment »

   Mar 29

Extensive Mortgage Research Finds the Lowest Mortgage Rates in Canada

By kangsalam

Extensive Mortgage Research Finds the Lowest Mortgage Rates in Canada











Edmonton, AB (PRWEB) November 04, 2011

Market Research Canada (MRC), has conducted a study of mortgage rates available to Canadian homeowners, for the entire one-year period of September 8, 2010 to September 27, 2011. In this study, the second of its kind performed by MRC, the entire Canadian mortgage lending market was reviewed in detail.

Results

The results clearly show that for each of the mortgage types and terms studied, homeowners selecting MortgageFlex as their lender were consistently able to take advantage of mortgage rates which were better than the published rates of any of the major lenders reviewed. Canadian homeowners choosing to borrow through MortgageFlex during the year, incurred lower interest costs than they would have with any of the other lenders reviewed. Based on our findings during this study, Market Research Canada continues to believe that rates offered by MortgageFlex are consistently lower than the best lowest discounted rates offered publicly by any major Canadian mortgage lender.

Our Opinion

Market Research Canada finds that the rate differentials found throughout the study are not insignificant. The study shows that borrowers would incur the lowest amount of interest expense possible, by arranging their financing through MortgageFlex, versus establishing mortgage borrowings with any of the other Canadian lenders reviewed at their best discounted rates for the mortgage instruments reviewed.

Thus a mortgage borrower would save more than $ 9,500 in interest costs by selecting MortgageFlex over the best discounted rates offered by competing lenders for a fixed term, either 3 or 5 years, and more than $ 10,500 by selecting MortgageFlex for a variable rate 5 year term.

Details

All of the following major Canadian mortgage lenders were included in this study, using the best, or lowest, identified mortgage rates published on their websites. Care was taken during the review to make sure that any special rates advertised on their sites, and all discounts described as available were taken into consideration to ensure that each institution’s very best discounted rate published was used in all instances.

Royal Bank of Canada

CIBC

Scotiabank

TD Canada Trust

Bank of Montreal

ATB Financial

Servus Credit Union

PC Financial

MortgageFlex

Contacts

Hal Tagg – President

MortgageFlex

116, 4310 – 33 Street

Stony Plain, AB T7Z0A8

Phone 780-968-5332

http://www.mortgageflex.ca

hal(at)mortgageflex(dot)ca

Warren Gray

President

Market Research Canada

422 St. Leger St., Lower

Kitchener, Ontario

N2H 4M9

519-581-1381

http://www.marketresearchcanada.com

###























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Posted in Mortgages , , , , , , , | 1 Comment »

   Mar 27

ASU Entrepreneurs Win Lean Startup Competition for New Veterans Website

By kangsalam

ASU Entrepreneurs Win Lean Startup Competition for New Veterans Website













Scottsdale, AZ (PRWEB) May 17, 2012

A new Arizona-based startup, which provides an online platform for military veterans and participants in wars and conflict situations to record and share their stories, has won the AppSumo Lean Startup Challenge, winning a prize package valued at $ 50,000 that includes software development from New Context. AppSumo is a daily deals website based in Austin Texas which was setup in 2010 that strongly advocates the Lean Startup methodology.

AlphaStripe involves a number of ASU entrepreneurs, including two previous founders of ASU Edson Student Startup companies, as well as US Marine and Air Force veterans. AlphaStripe is a global, online networking platform for military service members, military families, civilians, and humanitarian organizations to share war-time and conflict zone stories in video, photo, audio, and journal formats. The site is currently in beta testing with a group of military personnel and veterans, and will officially launch in the coming weeks.

“We are honored to win the AppSumo competition and are excited to be launching AlphaStripe to the wider market very soon,” said Eli Chmouni, co-founder and CEO of AlphaStripe. “Based on our research, veterans want to share their stories of conflict but do not want to do it on public social channels, such as YouTube, where their serious and emotional video is posted next to videos of kittens.”

“We have talked to veterans in the US and in other countries, and there is a specific need to share stories and reconnect” said Peter Chinnici, Chief Veterans Officer for AlphaStripe. And Chinnici should know, having served two deployments for the US Marine Corp in Iraq.

“We are interested in partnering with organizations that want to reach out to this global community, not just veterans but family members, and others who have been in conflict situations,” said Matt Schmidt, Chief Operations Officer for AlphaStripe. People can sign up for AlphaStripe in advance of the launch on the website http://www.alphastripe.com.

The ‘telling stories’ core of the product will be underpinned with strong social and commercial elements that will allow people to connect and do business as the platform develops. The market is huge, with more than 92 million current military members (active + reserve) across 173 countries. Based on recent US Census figures, the number of military veterans in the United States in 2010 was 21.8 million.

“The founding team for AlphaStripe fits the criteria for success, not just in terms of experience and backgrounds but they all have their own connections to the world of conflict, through direct experiences of the military veterans co-founders, through those in the team who were born into conflict situations, and through the veterans in their families” said Gordon McConnell, Executive Director of the ASU Venture Catalyst, which is working with AlphaStripe as they prepare to launch in late May.

—Ends—

About AlphaStripe (http://www.alphastripe.com)

AlphaStripe is a global, online networking platform for military service members, military families, civilians, and humanitarian organizations to share war-time and conflict zone stories in video, photo, audio, and journal formats. Open to military personnel and civilians the world over, AlphaStripe has developed a detailed database of military branches and service units, enhancing the social connections made when their members create profiles and upload content. AplhaStripe gives their members an opportunity to save history, record memories and make connections through their unique combination of popular social media outlets.

About Venture Catalyst at ASU (http://www.asuventurecatalyst.org)

ASU Venture Catalyst equips high potential startups for success. The Catalyst assists university students, faculty and staff, as well as local and global companies, with launching startups or accelerating existing ventures. Based at ASU SkySong, The Catalyst offers investor connections, technology road maps, go-to-market strategy consulting, mentoring opportunities, and several other programs and services, all designed to identify and develop investment-grade companies.























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Posted in Sales And Marketing , , , , , , | 1 Comment »

   Mar 23

Barrie Homebuilder Wins Canadian Home Builders’ Association Simcoe County ACE New Housing Awards and Introduces Two New Home Developments to Barrie

By kangsalam

Barrie Homebuilder Wins Canadian Home Builders’ Association Simcoe County ACE New Housing Awards and Introduces Two New Home Developments to Barrie











CHBASC ACE Housing Awards


Barrie, Ontario (PRWEB) May 15, 2012

Ontario homebuilder Pratt Homes won two ACE New Housing Awards, including Excellence in Single Family Dwelling under 1500 sq. ft. and Excellence in Print Media, as presented by the Canadian Homebuilders Association Simcoe County at the President’s Gala in Barrie on Friday, May 11, 2012.

Pratt Homes Barrie was nominated and the finalist for six ACE Housing Awards in total, including Excellence in a Single Family Dwelling under 1,500 sq. ft., Excellence in Single Family Dwelling between 1,500 and 2,500 sq. ft., Excellence in Single Family Dwelling over 2,500 sq. ft., Excellence in Internet Web Site, Excellence in Print Media and Excellence in Health and Safety. Pratt Homes’ own Heljar Hansen was also honoured at the gala with an Award of Honour by the Canadian Homebuilders’ Association.

“These awards kick-off what is sure to be Pratt Homes’ best season yet,” said Pratt Homes Barrie president, Karen Hansen. “The Barrie townhomes and new homes sales market has absolutely exploded over the past few months. Pratt Homes’ sales volume has tripled from last Spring.”

Pratt Homes recently launched two new community sites on some of the last available new home development land in Barrie.

Ardagh Bluffs, comprised of thirty-five detached homes, are being built on County Road 27 between Mapleview Drive West and Ardagh Road.

Construction of low-rise condos at Eastside Village 2, in Barrie’s north end off of Penetanguishene Road at Cheltenham Road, is also underway.

The sales office for both Ardagh Bluffs and Eastside Village 2 is now open at 213 Harvie Road. This location also houses the newly opened model homes for Pratt’s Southwoods townhome community in Barrie.

Lastly, Pratt Homes’ will be releasing Phase 2 of the Manhattan condominium complex located at 40 Ferndale South next to Barrie’s Eco-Park on June 2. These Barrie condos are already 55% sold and future sales are expected to be brisk. Phase 1 of the Manhattan complex is 85% sold.

“There has been an incredible response to date on our new building sites. We haven’t seen high demand like this in the past 5 years,” said Hansen. “The most recent 5-year 2.99% mortgage rate, renewed confidence in the economy and nice spring weather has all equated to an incredible new home selling market in Barrie. In any case, for buyers considering new homes in Barrie – the time to purchase is now.”

About Pratt Homes

Pratt Homes has been building new homes, condos and townhomes in Barrie for over 100 years. Pratt Homes is the founder of the successful CMHC approved Rent to Own program and has various sweat equity and low deposit structure programs helping homeowners afford their dream of home ownership. Pratt Homes has a perfect Tarion New Home Warranty ranking and is considered on of the most professional and experienced builders in Ontario. Pratt Homes has been awarded several Tarion, SAM and ACE, Chamber and HUDAC awards for home building.
























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Posted in Mortgages , , , , , , , , , , , , , | 1 Comment »

   Mar 21

Certified Securitization Analysis Re-Brands and Expands Product Offerings in the Wake of new Judgments vs. Banks in Wrongful Foreclosure and Illegal Debt Collection Practices

By kangsalam

Certified Securitization Analysis Re-Brands and Expands Product Offerings in the Wake of new Judgments vs. Banks in Wrongful Foreclosure and Illegal Debt Collection Practices











CSA LLC


San Francisco, California (PRWEB) May 17, 2012

CSA, LLC (formerly Certified Securitization Analysis, LLC), the leading resource for consumers in debt has re-branded and launched their new website at http://www.1analysis.com. Offering an expanded suite of products which will empower consumers in the fight against wrongful, and in many cases illegal debt collection, CSA, LLC now offers securitization audits and analysis covering not only Commercial and Residential Real Estate Loans but also Credit Cards, Retail Installment Agreements i.e. Auto Loans and Student Loans.

With over 600* million credit cards currently in circulation in the US alone and the average credit card debt per household standing at close to $ 16,000**, many consumers are now defaulting on their credit cards. Similar to sub prime mortgage lenders, credit card issuers have been seeking to maximize profits by lending to those who are financially vulnerable and then spreading the risks by selling off securities based on credit card receivables. The financial crisis has reduced households’ access to credit, undermining the competitiveness of the credit card industry. Thus, credit card companies are more likely to be able to charge higher rates without losing all of their customers. Credit card companies will have no incentive to conduct proper underwriting of new accounts, since losses can be spread among the existing account holders who have fewer opportunities to change cards. If underwriting is tainted in these situations, then the securitization process is compromised and holds the same pitfalls as mortgage backed securitization, which leads to lack of standing by the banks and causes wrongful debt collection to proceed unmonitored. The consumer loses accordingly.

In the case of retail installment agreements, the auto loan is the most similar example to mortgage backed securities. Car dealerships have often securitized a sizeable portion of their customers’ auto loans – that is, bundling several loans from purchasers into a security and then selling the security as a whole to a larger corporation. Securitizations enable a lender to remove debt from its books and sell them to larger financial institutions. Recently, many car purchasers have reported that their interest rates and monthly payment plans changed as soon as their loans became part of a securitized portfolio. Buried in the fine print of the auto loan were terms and conditions that allowed the securitized portfolio’s manager to make these adjustments, and precluding the borrower or car purchaser from contesting the change.

Since no direct communication occurs between the customer and the large company that takes over the loan (customers are often unaware that their loans were securitized at all), car salesmen have been accused of fabricating the client’s financials in order to close a deal. A recent case highlighted one individual whose monthly payments increased to $ 425 a month from $ 250 after their loan was part of a portfolio syndicated to a national bank because the dealership had changed his income information. Living on just $ 800 monthly Social Security disbursement, this person could not possibly have qualified for the loan.

In addition, student debt has now become a nightmare for Americans with the potential to explode as the next major US financial crisis as students and workers seeking retraining in a tough economic market are borrowing extraordinary amounts of money through federal and private loan programs to help cover the rising cost of college and training. Currently out of the $ 1Trillion student loan debt on the books, $ 300 Billion of that debt is currently 30 days or more past due.

CSA, LLC has recognized that the financial institutions are now foreclosing on America and are not helping Americans solve their financial debt crisis. “We’re on the securitization roller-coaster and it’s going off the tracks fast as consumers plunge deeper and deeper into debt and greedy financial institutions continue their wrongful debt collection practices.” says Adam J. Meyer, CEO of CSA, LLC. “The credit card provisions that have been identified as unfair, deceptive, and anticompetitive are not only sending American families further into debt, but standing in the way of economic recovery. The economic downturn and financial crisis have accelerated the adverse impacts of these practices on consumers, small businesses and our economy as a whole. CSA LLC’s new suite of product offerings seeks to combat these financial institutions wrongdoings and give America back to the consumers. This is our country and we are not willing to give it up to the banksters”.

Already known as a stalwart in mortgage securitization, this new suite of products will further enhance CSA LLC’s position in the debt collection space and assist the millions of US consumers who are saddled with unsurmounting credit card, retail installment and student loan debt. It will only take “1analysis” from CSA’s new product offering suite to put homeowners and those in debt on the correct path to reclaiming their homes and protecting themselves against the wrongful foreclosure and debt collection practices of the financial institutions.

*Source: “The Survey of Consumer Payment Choice,” Federal Reserve Bank of Boston, January 2010

**Calculated by dividing the total revolving debt in the U.S. ($ 801.0 billion as of December 2011 data, as listed in the Federal Reserve’s February 2012 report on consumer credit) by the estimated number of households carrying credit card debt (50.2 million)

About CSA, LLC:

Founded in 2010, CSA, LLC is the leading resource for consumers in debt. Our audits and analysis empower consumers and/or their legal advisors with effective and actionable strategies to defend against wrongful, and in many cases illegal debt collection. Our audits and analysis cover Commercial and Residential Real Estate Loans, Credit Cards, Retail Installment (Auto Loans and Student Loan) Agreements. For more information and a free debt analysis and evaluation of your current situation, please see http://www.1analysis.com or contact CSA, LLC at sales(at)1analysis(dot)com or call 1-888-715-0060.











Attachments































Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









Posted in Mortgages , , , , , , , , , , , , , , , , | 1 Comment »

   Mar 11

Debtconsolidation.com Affirms Its Lead in Providing Credit Card Debt Relief After Passing 100,000-Customer Mark

By kangsalam

Debtconsolidation.com Affirms Its Lead in Providing Credit Card Debt Relief After Passing 100,000-Customer Mark











Debtconsolidation.com


New York, NY (PRWEB) May 17, 2012

Debt management and credit counseling resource Debtconsolidation.com reports that its client base recently surpassed the 100,000-mark, thus effectively re-establishing its role as a primary provider of debt management solutions for consumers aiming to take control of their credit card obligations. The company has been successfully recommending reputable debt relief organizations to help clients experience freedom from unsecured debts for over a decade.

The announcement reinforces recent findings by the American Bankers Association (ABA) revealing that U.S. consumers have shown improved timely repayments on auto loans, credit cards, and other debts in the final quarter of 2011—the first time that it has happened since 2004.

With the economy of the United States still in a state of financial recovery from the recession, delinquency rates on the different consumer loan categories (11 in all) still remain high. However, ABA’s chief economist James Chessen has reported that in the fourth quarter of 2011, consumers showed a marked improvement from the prior quarter in terms of the ability to pay off their debts.

ABA also revealed that delinquencies in payments for credit cards provided by a bank fell to 3.17% from 3.25%. “The good news is that fewer people are losing their jobs and more people are becoming re-employed,” says Chessen in an April 2012 statement. “Those two factors combined means more people are better positioned to meet their debt obligations.”

The Federal Reserve Bank of Boston has found that 609.8 million credit cards are currently held by U.S. consumers, and there is an average credit card debt of $ 15,956 per household with credit card ownership. On a more personal level, incurring unsecured debts, whatever the cause may be, fixes an individual into a perpetually stressed state. Concerns about debts negatively affecting one’s credit history and leaving little in the way of savings lead consumers to seek effective solutions in managing their finances.

Debtconsolidation.com is poised to contribute to maintaining a lower delinquency rate among consumers and to assist clients seeking to restructure their financial foundation. The company recommends reputable debt relief organizations, the credentials and track records of which they have carefully reviewed themselves. These recommended providers, none of which charge upfront fees, work with clients and offer a credit card debt consolidation plan regardless of their credit history. Clients can select a payment plan to fit their budget.

“We are developing a ‘one-stop’ resource (website) designed to assist people in understanding their options as it relates to debt consolidation, debt settlement, and credit counseling. We offer debt consolidation services with the intention of helping you become debt free,” explains a Debtconsolidation.com representative.

Deciding on a debt management solution can be a challenge, especially since financial circumstances vary among different individuals. Consolidation through settlement may be the best way to reduce your unsecured debt within 24 to 48 months of starting a payment plan; credit card debt consolidation can help clients eliminate unsecured debts by 50% on average. “We’ll help you find the best course for your financial needs, build a customized debt relief plan, and avoid filing for bankruptcy,” adds the representative. “Whatever your financial needs may be, Debtconsolidation.com can help find your solution.”

Interested parties seeking more debt consolidation advice or a free debt consolidation quote can visit http://www.debtconsolidation.com.
























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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









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   Mar 05

Amirsys

By kangsalam

Amirsys® Features Radiology Products at German Roentgen Congress 2012










Salt Lake City, UT (PRWEB) May 17, 2012

Amirsys® will exhibit key radiology products at the German Roentgen Congress. STATdx® online reference system is used by radiologists around the world for point-of-care diagnostic decision support. Through its subscription-based online content and technology, STATdx streamlines workflow by reducing the time to research and complete difficult imaging analyses. STATdx is currently used by over 30,000 radiologists. Over 400 radiology residency programs have included STATdx as a foundation of their training curriculum.

RADPrimer online resident learning portal addresses the key learning and training needs of radiology residents and the monitoring and tracking needs of residency programs. Through its subscription-based online technology and content, RADPrimer guides the resident through preparation for faculty-directed quizzes. RADPrimer provides the residency training faculty with training materials, the ability to make and track assignments, and detailed documentation of each resident’s progress.

”Ruhr-Universitat Bochum Radiology, Abteilung Kinderradiologie, Technische Universitat Munchen, Universitatsmedizin Berlin and Universitat Dusseldorf are just a few of the academic institutions who have adopted STATdx into their practices,” commented Anne Osborn MD, Distinguished Professor of Radiology at University of Utah and CEO of Amirsys Publishing, Inc. “We look forward to the tremendous gathering of friends and colleagues at the Congress each year and to sharing ideas focused on advancement of the profession of radiology”.

About Amirsys

Amirsys, Inc. is a leading provider of innovative healthcare solutions in radiology and pathology for diagnostic decision support. Through use of its proprietary technology and image-intensive, expert-based content, Amirsys provides online problem-solving access to thousands of radiologists and pathologists worldwide. Amirsys’ team of over 300 leading radiologist and pathologist authors develop content which is tagged and stored in its patented ACRES® authoring system. By utilizing its proprietary technology in combination with its unique content database, Amirsys has produced innovative products that dominate their respective markets.

For more information please visit the Amirsys websites at amirsys.com, statdx.com, and radprimer.com

PR Contact: Julia Sherman

(949) 348-2208

jsherman(at)amirsys(dot)com























Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.









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