Jan 20

Swiftcoin Competes with Bitcoin at FNIB.CO

New York City (PRWEB) March 20, 2013

First National Innovation Brokers, a progressive New Zealand FX broker that developed the digital currency Swiftcoin and the only broker to accept the p2p currency bitcoin for online forex trading account funding, opens its forex trading platform and financial services to those typically shunned as too risky. Online forex, gold and silver trading on margin is freely available to anyone at https://www.firstnationalib.com/easy-start.html.

Jan 17

1Heart Care Franchise Brings Its Unique Concept And Programs To Houston Texas As Announced By CEO Belina Calderon Tagarao

Los Angeles, California (PRWEB) November 30, 2014

1Heart Caregiver Services CEO Belina Calderon Tagarao announced to bring its unique concept and programs to Houston Texas on February 2015. 1Heart CS executive team will meet thousands of entrepreneurs and business owners at the premier franchise expo south serving Southwestern US, Latin America and Caribbean. CEO Belina Calderon Tagarao announces the official launching of 1Heart national senior care franchise and recognition of long service employees this December at Castaway Burbank California. 1Heart CS will meet with its franchise consultants, business consultants and future franchise operators to discuss relevant programs to move forward in growing the 1Heart brand all over USA.

CEO Belina has spearheaded the expansion of 1Heart CS since 2007 after its operations for four years which started in Beverly Hills. CEO Belina had worked hard in forming a team of executives that will form part of the expansion program creating strong head office departments, case management team, marketing team, business development group that can roll out programs needed to grow the business. Unique concepts and programs were formed by the 1Heart executives and managers.

1Heart CS is run and operated by executives and managers with more than 60 years of collective experience in healthcare and 15 year experience as Master Franchisor with training at St. Louis Missouri and other parts of the world. 1Heart CS is now prepared to accept franchise operators and share the successful and profitable experience in running the operating system and all the programs that makes it distinct and better. The home health care industry is one of the most profitable franchise business as published by USA Today last May 2012. The senior population is projected to reach 83.7 million by year 2050, almost double from the 2012 level.

The senior care franchise shares very distinct benefits like lowest investment risk, minimal brick and mortar expense, short ramp up time, affordable multi-franchise opportunities, profitable franchise business and gross revenue that can reach high levels in one or two years with attractive gross margins.

1Heart CS franchise, as articulated by Director for Business Development and Training Randy Clarito, provides additional advantage like a solid 11 years of profitable operations, comprehensive caregiver training through CS Caregiver University, extensive continuing professional training at 1Heart Business Academy, strong business relationships with national senior retirement facilities, larger protected territories available, 1Heart 3 Ps of success, 1Heart purpose of business, 1Heart corporate strategy, circle of care, continuing health education, continuing professional education, brain fitness education program, elder education program, 1Heart service philosophy, core values, comprehensive market information system and local marketing programs.

1Heart CS franchise operators will be trained in 1Heart Business Academy for five days learning all the skills, business processes, methodology and strategies to grow the business. Franchisees will internalize all unique concepts and programs including online marketing strategy spearheaded by 1Heart Vice President of Operations Kevin Tagarao like web-based business acceleration program, lead generation campaign, SEO campaign, 1Heart caregiver database and online market penetration program.

About 1Heart Group of Company headed by CEO Belina Calderon Tagarao:

1Heart Caregiver ServicesTM (1Heart CS) http://www.1Heartcares.com is a premier In-home care service company that provides professional private care duty to seniors and adults requiring assistance in their home and healthcare needs for the past 11 years. The company is run and managed by healthcare Executives with local and international training with combined top level executive work experience of more than 50 years. CEO Belina Tagarao is a Los Angeles IMAGE AWARDS honoree 2013 and HiFi 2014 Fil-American awardee as HiFi Ambassador of Goodwill within the Fil-American business community in Los Angeles. 1Heart CS is the only In-Home Care company that has its in-house ‘Caregiver University’ spearheaded by Training Director Randy Neil in Southern California area that provides professional caregiver training held at its Los Angeles head office aligned with its Continuing Professional Education program implemented to all corporate managers and staff of the company and extended to senior living facility requiring in-service training for their staff. The Staffing department headed by Staffing Officer Jennifer Remigio, Charlotte Baseleres and associate Bernadette Manahan takes charge of staffing solutions to all cases, hiring, payroll and screening of all applicants and update of caregivers, CNA and HHA data base that can readily be assigned to new and existing cases handled by Client and Care Managers Arnold Navarro, Anne Capili, Shirley Billedo and Andrei Peralta assigned in each target County. The company Vice-President of Operations Kevin Tagarao has consolidated the companys daily operations, established online web presence and facilitated integration of new technologies. The company carries out a Circle of Care process that is uniquely implemented by all 1Heart Managers and remains unmatched by any senior care service company.

1Heart CS is a Certified Member of CAHSAH, California Association for Health Services at Home, Los Angeles Chamber of Commerce, Conejo Valley Chamber of Commerce, BBB and operates in Los Angeles County, Orange County, Ventura County, San Fernando Valley, San Bernardino County and Santa Barbara County area. For a case evaluation, call #213-351-9100 #805-338-8100, #310-779-6254, #818-561-6641 and #562-412-2420 for an agreed schedule of appointment. For caregiver applicants with minimum of 2 years work experience, look for Jennifer Remigio to process the application with the submission of live scan finger print, SS card, CA Drivers license, CPR / First aid certification and TB test results. 1Heart Caregiver Services is now officially declared as a Master Franchisor having received the California state registration legally allowing 1Heart to offer franchise to different business group all over USA.

L.A. Jobs Employment Agency

The leading career and visa specialist in Los Angeles for foreign professionals. L.A. Jobs, http://www.lajobsea.com provides more opportunities for international workers who are highly qualified professionals and competitive to be able to build their career in the U.S. The company had successfully placed hundreds of applicants in the past few years even during the period of recession and it had attained a high approval rate of H-1B work petitions and green card of applicants enabling them to take the path to citizenship through employment and live the American dream. The company aims to be the premier leader in the employment industry in the U.S. Visit for no charge consultation and look for Mari Reola, HR Manager and Pam Sison, Legal and Marketing Specialist or call at #213-351-9100.

Summit Medical Billing

A fast growing Medical Billing company that helps physicians and other medical and healthcare companies obtain payment from insurance carriers and patients by effectively handling insurance claims and aid them to manage their practice and finance side efficiently. Summit Medical Billing with its staff Arielle, Pauline and Christina aims to establish a strong alliance with the American Medical Association and continue to provide help to their members increase their revenue with the efficient handling by the company’s billing expert.

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Jan 15

Miami Real Estate Market Continues Strong Performance in 3Q

Miami, FL (PRWEB) November 13, 2014

The performance of the Miami real estate market remains consistent with record activity in 2013 due to strong demand despite increased existing and new construction supply, according to the 34,000-member MIAMI Association of REALTORS and the local Multiple Listing Service (MLS) systems.

Median and Average Sales Prices Continue to Rise

In the third quarter, the median sales price for homes in Miami-Dade County was $ 250,000, an increase of 8.7 percent compared to last year. The median sale price for condominiums rose 3.5 percent to $ 189,900 in the third quarter compared to a year earlier. Third quarter price increases mark 11 consecutive quarters of growth for both single-family homes and condominiums.

The Miami real estate market continues to attract the attention of both domestic and foreign buyers, fueling solid growth and creating opportunities for both buyers and sellers, said 2014 Chairman of the Board of the MIAMI Association of REALTORS Liza Mendez. While there is more supply available than a year ago, there is still strong demand, and the growth of supply, new listings, sales and prices is more moderate, resulting in a more balanced market.

Nationally, the median sales price of existing single-family homes was $ 217,300 in the third quarter, up 4.9 percent from the third quarter of 2012. The national median sales price for condominiums was $ 211,000, a 2.7 percent increase over the previous year.

The statewide median sales price for single-family existing homes in the third quarter was $ 182,000, up 4.0 percent from the same quarter a year ago, according to the latest housing data released by Florida Realtors. The median sales price for condominiums in Florida was up 6.9 percent compared to the same quarter last year at $ 139,000.

Compared to last year, the average sales prices for single-family homes and condominiums in Miami-Dade County increased 14.9 percent to $ 438,431 and 3.8 percent to $ 341,927, respectively.

Sales Continue to Rise for Single-Family Homes

There were 7,632 homes and condos sold in Miami-Dade County during the third quarter of 2014, a negligible decrease of 5.0 percent compared to the third quarter of 2013, when there was record sales activity. Sales of single-family homes increased 0.2 percent to 3,552, while condominium sales decreased 9.0 percent to 4,080 compared with the same period in 2013.

In Miami, market performance continues to vary greatly depending on location, property type, price range and other factors, said 2014 MIAMI Association of REALTORS Residential President Francisco Angulo. While in most cases, increased supply is offering buyers more choices and less pressure, others are still experiencing significant competition and bidding wars.

Nationally, total existing-home sales, including single-family and condos, increased 5.2 percent to a seasonally adjusted annual rate of 5.12 million in the third quarter from 4.87 million in the second quarter of 2013, but were still 3.8 percent below the 5.32 million pace during the third quarter of 2013, according to the National Association of Realtors.

Statewide closed sales of existing single-family homes totaled 64,633 in the third quarter, up 7.6 percent compared to the year-ago figure. Closed sales of condominiums totaled 26,506, down 4.6 percent compared to 2013.

Home Inventory Moving Rapidly Despite More New Listings

The Miami Associations initiatives to increase inventory and focus on assisting members to get more listings has proven successful along with some additional distressed properties coming on the market. The fact that sales remain at historically strong levels while inventory is growing points to seller confidence. Sellers are listing properties for sale because they have confidence in the market.

Home and condominium listings also increased in the second quarter but by narrower margins. There were 6,237 new single-family home listings during the third quarter, a growth of 5.1 percent relative to the same period last year. New condominium listings increased by only 1.0 percent from 8,282 in the third quarter of 2013 to 8,366 this year.

Third quarter active listings in Miami-Dade County totaled 17,480, representing an increase of 22.5 percent. This reflects the success of the MIAMI campaign to achieve a more balanced market between buyers and sellers. At the current sales pace, current inventory represents 5.7 months of inventory for single-family homes and 8.1 for condominiums. Compared to the third quarter of 2013, months supply of inventory for single-family homes and condominiums increased 13.5 percent and 33.6 percent respectively. A balanced market between buyers and sellers offers between six and nine months supply of inventory.

The median days on the market of single-family home listings during the third quarter was 45 days compared to 37 days during the same period last year, an increase of 21.6 percent. Similarly, the median days on the market for condominium listings were 57 days compared to 46 last year, an increase of 23.9 percent.

Percentage of Cash Sales Declines

In the third quarter, 55 percent of closed sales were all cash compared to 59.2 percent a year ago. All cash sales were 40.4 percent of single-family home closings and 67.5 percent of all condominium sales. Since nearly 90 percent of foreign buyers pay cash, this reflects Miamis position as a top market for foreign buyers. Miami has a significant percentage of international buyers, generating more than double the cash transactions than the national average.

New Construction Market Update

Strong sales in the coastal new construction condominium Miami market (east of I-95) reflect significant demand for new properties, according to the latest New Construction Market Status Report released today by Cranespotters.com and MIAMI.

At the end of the third quarter, there were seven (7) towers that had been completed in 2014 in Miami-Dade County east of I-95, 55 under construction, and 60 are planned but have not begun development. There are also 66 towers that have been announced but not approved.

Of the above projects in Miami-Dade:

Jan 13

Investment Property Loans Guide Now Accessible to Investors at Real Estate Website

Tampa, FL (PRWEB) November 21, 2014

Real estate investors who seek ways to creatively finance the purchase of an investment property can now use the JWB website as an information resource on the Internet. A new investment property loans guide is available for access at http://www.jwbrealestatecapital.com/loans-for-investment-properties.

The guide available is now paired with a brief video overview of the types of financing that can be obtained through traditional financial outlets. Men and women who are ready to finance a first or second home purchase could benefit from the reliable source of information that the guide now provides.

“There are different loans for different housing scenarios and choosing the best type is crucial for investors who are trying to maximize long-term profits,” said one JWB company source.

The investment property guide guide to loans that is now available is one of many guides published this month for investors across the U.S. to access. A general real estate investing guide for rental properties is now accessible from any page of the company website free of charge to kickstart motivated investors.

“We’ve taken huge steps over the past couple of years to build a new network of cash flowing properties for clients that use our company as an investment vehicle,” the source included.

The JWB Real Estate Capital company has updated the blog content on its homepage at http://jwbrealestatecapital.com/blog to provide an even larger source of investing knowledge this year. New posts are now accessible apart from the guides available for download from the company portal this year.

About JWBRealEstateCapital.com

The JWBRealEstateCapital.com company offers reliable information for investing clients in the real estate industry seeking knowledge of how to build wealth as an investor online. The company has added a new website this year to provide access to video and textual training content. The JWBRealEstateCapital.com company owns and controls more than 300 homes in the state of Florida for its investing clients across the country.

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Jan 10

Teresa R. Martin Seeks to Offer Families Her Top Tips on Self-Directed Retirement

(PRWEB) November 20, 2014

Most people have no idea where to start planning for retirement. Even with the dire warnings about the demise of Social Security, many people have saved virtually nothing for retirement. A recent article at http://www.investopedia.com/articles/personal-finance/111214/inflation-and-your-retirement.asp discusses how individuals can take charge of their retirement by becoming better educated about saving, investing and building wealth, which is difficult for many people. For one thing, many people do not understand the difference between growth market and cash flow market investing. In growth market investing, those seeking an investment choose vehicles that seem destined to grow quickly, even if they are expensive. With cash flow investing, the investor uses the cash he or she earns to invest in opportunities as they arise.

Fortunately, Teresa R. Martin, a passive income investment and money management expert, has made it very easy for the average American to learn everything needed to successfully manage investments. With her three simple tips, most people can quickly learn the facts that will help them build true wealth.

Jan 08

Consumer Reports Holiday Poll Finds Sprit High Amid Concerns About Overspending & Debt

YONKERS, NY (PRWEB) November 20, 2014

A majority of Americans say theyre looking forward to the winter holidays with a quarter of respondents really looking forward to the seasons greetings, but most dont plan to break the bank this year, according to Consumer Reports first holiday poll.

Consumer Reports poll found 62 percent of respondents are excited about the coming of the winter holidays, while only one in 10 of those surveyed have caught the holiday humbug and said theyre not at all energized about this festive time of year.

With lower unemployment and the Great Recession in the rearview mirror, youd think that holiday shoppers would be singing, Happy Days Are Here Again, but theres concern over repeating mistakes of the past such as overspending and drowning in debt, said Tod Marks, Consumer Reports senior projects editor and resident shopping expert.

When it comes to holiday spending, most respondents (56 percent) expect to shell out the same amount on gifts as they did last year. Fourteen percent expect to spend more, while 30 percent say theyre cutting back. Thats a similar breakdown to what Consumer Reports has seen in recent years. However, the percentage of shoppers cutting back on holiday expenses this year is half what it was during the dark days of the recession in 2008.

Among the folks who plan to open their wallets a little more, the improving economy is a key factor. Twenty-three percent say theyre feeling more generous this year vs. last; 16 percent said theyre more optimistic; 14 percent reported they got a raise, promotion, or better-paying job; 12 percent have a job after being unemployed in 2013, and 7 percent are anticipating their year-end bonuses will be larger this year.

Credit-card debt is a serious concern for many, but e-commerce accounts for so much of what consumers buy these days and shoppers are becoming increasingly reliant on plastic. In fact, more than four of 10 Americans who used credit cards last year lauded them as the easiest vehicle for online payments. Last year, 52 percent of respondents charged at least some purchases, but most were quite responsible at quickly paying off the balance. Sixty-one percent paid their holiday shopping bills completely by the next billing cycle, and by the end of February, three-quarters had done so. But as of this month, 7 percent of those surveyed were still financing their 2013 holiday purchases.

This season, consumers will once again use a combination of cash and plastic for their holiday purchases. Sixty-two percent plan to include cash in the mix, 45 percent a major credit card such as Visa or American Express, 45 percent a debit card, and 11 percent a store or retailer charge card.

Among those who will not be charging purchases this year:

Jan 05

Dr. Andrey Vavilov releases Gazprom: An Energy Giant and its Challenges in Europe

MOSCOW, Russia (PRWEB UK) 19 November 2014

In Gazprom: An Energy Giant and its Challenges in Europe, author and lead editor Dr. Andrey Vavilov provides a detailed case study of the nature of gas giant Gazprom, one of the biggest energy suppliers and frequent participant in world energy disputes.

Gazprom: An Energy Giant and its Challenges in Europe examines this significant company which forms a symbol of Russias huge energy resources, and will be published on November 28, 2014 under Palgrave Macmillan. Dr. Andrey Vavilovs book will prove an interesting read not only for specialists in the economic and energy sectors, but also for a wide range of foreign readers interested in the problems of the energy market.

The history of the Russian gas industry

Gazprom: An Energy Giant and its Challenges in Europe starts with a broad historical overview that encompasses the Russian gas industry as a whole, before discussing this prominent company which goes far beyond classical scope of energy giants. It highlights the role of politics in Russias gas trade, as well as the motivation behind Gazproms strategies and tactics.

Covering the gas deals of the 1970s up to the recent attempts to create a new energy empire, the authors examine the challenges Gazprom faces in the European gas markets and obstacles to implementing new strategic plans.

Gazproms strategy

The main focus of this study is the conflict between the vertical integration strategy adopted by Gazprom in the early 2000s, and the companys options taken in response to ongoing changes in the market.

Within the context of the strategic importance of the energy sector, Gazprom has become an important instrument for enhancing foreign policy. The dynamic nature of the market made the question of choosing the most rational foreign strategy of paramount importance for the company.

The case study authors describe specific features of Gazprom as a vertically integrated company and its monopoly position for the supply of the gas for Russia and some European countries. The authors offer an objective approach to the analysis of Gazprom that is often presented as an energy monster sharply politicized within Russia. In the Russian economy, the company performs a multifunctional role, carrying significant social and economic burdens and combining the function of corporation and government agency.

In addition to analyzing the behavior of the company during the world economic crisis and during the era of post-crisis regulation, Gazprom: An Energy Giant and its Challenges in Europe touches upon some important questions of geopolitics to explain the current processes in the gas market. With the current geopolitical situation, the Russian gas giant could be again be regarded as a key bridge for dialogue between Russia and Europe, and a means for d

Jan 01

Michigans Second Privately-Financed PACE Project Makes History

Lansing, MI (PRWEB) November 17, 2014

The State of Michigan announced today that the new headquarters of the Michigan Public Service Commission would include almost a half-million dollars of clean energy upgrades financed with private capital under Michigans Property Assessed Clean Energy (PACE) Act.

The MPSC is the first among all fifty state energy agencies to use PACE financing to make its building more energy efficient and to produce some of its own energy from the sun. PACE-financed improvements on the buildings include LED lights throughout the building, variable speed motors to make heating and cooling equipment more efficient, and a 20-kilowatt solar array.

View the Commissions public announcement hot off the press.

The project was made possible when the Eaton County Commission voted 15-0 on September 17 to join Lean & Green Michigan, the statewide PACE program run by Levin Energy Partners, which now encompasses nine counties and three cities representing 44% of Michigans population.

Michigans PACE statute requires that the financial savings from the energy improvements exceed the payments on the PACE loan throughout the loan term. Since tenants in office buildings typically pay their own utilities, tenants realize the reduced operating costs.

In this case, the State of Michigan is the sole tenant, occupying the entire office building. The State approached the buildings owner with an offer too good to refuse: you agree to upgrade your building, and we will pay for the upgrades through PACE. The owner gets a more efficient, attractive and valuable building. The State looks out for the taxpayers by achieving lower net operating costs. And the MPSC gets a building that demonstrates leadership in the energy field, which it is charged with regulating.

Saginaw Plaza Ltd., the owner of the building at 7109 W. Saginaw Hwy. in Delta Township, readily agreed to enter into the PACE financing arrangement and is now looking into PACE financing at other buildings the ownership group controls throughout the United States.

Andy Levin, President of Lean & Green Michigan, said the Saginaw Plaza story demonstrates many of the benefits of PACE. It works for any kind of privately owned business property, even when it is occupied by a government agency. And both landlords and tenants benefit, because the landlord can pass the cost of improving his building on to tenants, but tenants still achieve a net reduction in operating costs.

The owner of the new building played a crucial role in making the project a reality. We are excited to work with the State of Michigan and Lean & Green Michigan to create an extremely efficient building, said Dale Smith, managing partner of Saginaw Plaza Ltd.

In addition to the MPSC, Eaton County, Lean & Green Michigan and Saginaw Plaza, Ltd., key partners in the project include Ameresco, a national energy savings company, which will oversee the clean energy retrofit, and the Michigan Department of Technology, Management and Budget, which administers property leases for the State.

PACE transforms many clean energy projects from pipedream to profitable by allowing property owners to finance them through a property tax special assessment with the local government. Since the county will enforce the special assessment like any other property tax obligation and PACE assessments pass to the new owner when a property is sold, commercial lenders have the security to provide competitive, fixed-interest-rate financing for up to 20 years.

PACE financing makes many projects involving expensive items like efficient windows, boilers, chillers, solar panels and geothermal wells possible on a broad scale for the first time. Property owners pay nothing up front and save more in reduced energy costs than they pay on their PACE assessments, gaining cash they can plow back into their operations.

Lean & Green Michigan is the largest effort in the country to create one statewide PACE market without taxpayer funding. The program is open to all Michigan counties and cities free of charge and is financed by modest administrative frees on each project. To date, the following 12 local governments have joined the program:


Grand Traverse


Rochester Hills
Royal Oak

Over a dozen more local governments are in the process of or discussions about joining.

The Lean & Green Michigan pipeline of proposed PACE projects now exceeds $ 42,000,000, and new projects will be announced in the coming weeks.

For more information, visit the Lean & Green Michigan website, contact Andy Levin at andy(at)levinenergypartners(dot)com or 248-808-1420, and view the MPSC announcement.

About PACENow:

PACENow is a non-profit foundation funded advocate for Property Assessed Clean Energy (PACE) financing. PACENows mission is to promote improved energy efficiency in buildings and use of PACE. Our strategy is to be a trusted source for information and resources to a growing coalition of PACE stakeholders that includes local governments, businesses, industry service providers, labor and trade organizations, environmental groups and private individuals nationwide.

Energy efficiency retrofits represent a spectacular investment opportunity. A $ 279 billion investment in commercial, residential, and institutional segments could save $ 1 trillion over a decade, according to the Rockefeller Foundation study. Moreover, the ACEEEs estimates show that energy efficiency improvements tend to result in the average return on investment of 22 percent. PACE financing is a robust and flexible tool that can be used to make our nations buildings more energy efficient.

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