Lexington, KY (PRWEB) January 18, 2012

Sean McKay, Vice President of Business Development at American IRA-a National Provider of Self-Directed IRAs, announces free ‘Rules of The Road’ January 24th Webinar.

Sean Mckay says “We developed this webinar to help get the word out about things that people need to avoid within their self-directed IRA so that they can properly acquire assets. The feedback we received from our first month of these webinars was so overwhelmingly positive that we have decided to continue to offer this webinar each month.”

Topics that will be covered in this webinar include but are not limited to:

*Disqualified Persons

*Self-dealing

*Conflicts of Interest

*Direct Prohibited Transactions

*Proper Acquisition of Assets

*and much more…

When Congress first designed the IRA in 1974, they built in a number of restrictions meant to prevent IRA owners from using these vehicles to benefit themselves prior to retirement. For this reason, the following transactions are prohibited within IRAs:

*They cannot buy property from their IRA.

*They cannot sell property to their IRA.

*Their relatives, defined as ascendants and descendants and their spouses, may not buy from or sell directly to their IRA.

*Their IRA cannot engage in any of the above transactions with any entities controlled by their ascendants, descendants, or any of their spouses.

*Their IRA cannot engage in transactions directly with their accountant, financial advisor, tax attorney or anyone else who advises them on their IRA, nor with any business entity they control.

*They cannot use their IRA, nor the assets within them, as security for a loan for use outside the IRA (this rule is commonly misunderstood.)

Sean interjects, “In plain English, this means they cannot use their IRA directly for their own benefit, nor that of those related to them, and their advisors cannot manipulate them into using their IRA to benefit themselves. Their IRA exists for one purpose only: To provide economic security for them after they turn 59

Sacramento, CA (PRWEB) January 31, 2012

Even though nearly half of the American population would like to retire at 65, with 27% of people wishing to work less beginning at age 55, Americans are failing to save enough money in their retirement funds to make these aspirations a reality. Instead, people are spending foolishly because they think that working hard and managing their money carefully is enough to guarantee a secure future. Not so, warns Financial Resolution Center. “Now is the time to start thinking about retirement.”

It is an unfortunate reality that continuing to work into one’s retirement years is now necessary. Most Americans have not managed to save enough money to allow them to cease working and enjoy their golden years by living a life of leisure. In fact, a poll conducted by Wells Fargo reveals that the average American has only saved 7% of the money that he or she had predicted would be in his or her savings account by retirement age. People would like to be able to stop working and pursue their American entitlement to the rewards of a lifetime’s hard work, but that simply is not feasible anymore.

In addition to a lack of savings, many Americans are actually living in a perpetual state of extreme debt, amounting to an average of $ 15,000 per household. Since Americans are unable to manage their expenses and spend more than they take home, it stands to reason that saving money for the future is of little concern. Instead of saving a large amount of money and then ceasing to work entirely, a more realistic plan for most Americans is to gradually decrease their working hours.

The Chief Adviser of Financial Resolution Center believes that there is still time for Americans to make smart decisions and enable themselves to retire comfortably. “No matter what your full retirement age is, it?s never too late for consumers to start saving early. This in turn, allows them to become financially stable for future endeavors,” he remarked. He reminds the public that making difficult compromises now can pay off in the future. “Saving can be tough, yet the sooner an individual starts a savings plan, the more likely they can retire at their desired age.”

Financial Resolution Center would like to remind the public that the IRS has raised the tax-free 401k contribution limit for 2012 by $ 500. Contributing the maximum amount of $ 17,000 would be a great first step toward making smart financial decisions with an eye toward retirement in the coming year. Financial Resolution Center’s Chief Adviser reminds people to read the fine print. “Individuals need to be cautious. Though the federal limit has increased, an individual plan can still set a lower limit.” In the event that one’s savings plan does not have the maximum limit of $ 17,000, contributing the maximum allowed amount still might not result in sufficient savings. People must be smart about their own monetary needs instead of blindly trusting financial institutions who may not be acting in the best interests of their clients.

Financial Resolution Center advises Americans to develop financial plans that can realistically provide financial security in the future. For more information about how to accrue savings, call Financial Resolution Center at (888) 272-0227 or online at http://www.financialresolutioncenter.com.

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{http://www.homeloans-direct.co.uk|http://www.loansdirect.biz|http://www.ukhomeloans.net}
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Vienna, VA (PRWEB) January 30, 2012

With strong merger and acquisition activity expected in the first quarter of 2012, access to current and accurate business valuations remain critical for anyone looking to buy or sell a business. eBusinessAppraisals.com, having delivered over $ 6 billion in business valuations and business appraisals across multiple business sectors, will play an important role in this business trend thanks to their new strategic partnership with BusinessesForSale.com.

The recent alliance between eBusinessAppraisals.com and BusinessesForSale.com offers business owners currently seeking to sell a business through BusinessesForSale.com the opportunity to obtain a comprehensive and professional business valuation, affording the knowledge and resources necessary to deliver a top dollar price for their business. The business valuation data provided by eBusinessAppraisals.com provides critical financial information buyers need to evaluate a business acquisition opportunity. These tools facilitate a faster close of sale when selling a business.

This strategic partnership also benefits entrepreneurs searching BusinessesForSale.com for new business acquisitions. Obtaining a professional business valuation gives potential buyers confidence in the quality and pricing of the business they are acquiring.

eBusinessAppraisals.com offers BusinessForSale.com?s sellers an exclusive set of professional tools designed to expedite the sale of their business. The ValuEdge business valuation package, eBusinessAppraisals.com?s most popular package, provides buyers and sellers a custom triple approach value report that combines an asset based approach, an income based approach, and a comparables approach. This valuation package also includes a recast balance sheet, financial projections, historical financial trends, an extensive live value presentation and dedicated time with a valuation expert. All information provided by eBusinessAppraisals.com is focused on meeting the seller?s business objectives.

eBusinessAppraisals.com offers sellers on BusinessesForSale.com comprehensive financial information and data to anticipate the needs of buyers with deliverables such as a professional buyer-ready financial analysis, a customizable buyer cover letter template, and a customizable Confidentiality / Non-Compete Agreement. These tools help protect the seller?s interest, increase the ability to close fast, and strengthen the seller?s negotiation position.

eBusinessAppraisals.com?s suite of financial and business services foster a lifetime relationship with their clients as they serve company owners and entrepreneurs at all business stages, from the initial acquisition of a business to the successful sale of a company.

eBusinessAppraisals.com?s valuation experts provide value-enhancing solutions to company owners. Their financial and valuation experts utilize a proprietary valuation approach to deliver a superior level of experience to businesses of all revenue ranges. eBusinessAppraisals.com provides the most accurate, real-world picture of a company?s critical financial status, allowing any business owner to set and achieve their objectives with confidence.

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White Plains, NY (PRWEB) January 17, 2012

Guaranteed Home Mortgage Company, Inc. (Guaranteed, http://www.ghmc.com), a national residential mortgage investment and banking firm, today announced a new initiative to assist Asian-Americans in more easily gaining access to commercial finance and achieving the dream of home ownership.

The initiative includes a sustained outreach effort and the hiring of two mortgage professionals, Steven Ho and Ginny Chin, to interface and provide advice to individuals and entities in targeted communities in the New York metro region. They were chosen for their industry experience, language skills and ties to underserved communities.

David Wind, President of Guaranteed Home Mortgage Company, said, ?Asian-Americans have contributed to our country in many ways, and our initiative is designed to address some of their unique needs in adapting to our cultural and economic norms. Steven and Ginny?s background and expertise in the mortgage industry are ideally suited to working with and assisting Asian-Americans achieve the American dream of purchasing and owning one?s own home.?

Wind went on to detail some of their experience. Mr. Ho previously served as a branch manager for a competing mortgage firm, where he supervised and instructed a team of loan originators with his extensive knowledge of various loan products. While there, he achieved a consistent sales volume of $ 2.5 to $ 3 million in loan originations.

Ms. Chin has spent nearly 10 years working in the mortgage industry as a loan originator specializing in FHA, conforming and non-conforming refinances and new home purchases. She has prepared customers? loan packages, interacted with attorneys, and handled the paperwork and coordination necessary to close loans.

Mr. Ho and Ms. Chin will work together to identify needs, prepare campaigns and provide solutions to ensure Asian Americans receive every opportunity to own their own homes, gain access to commercial finance sources and achieve upward social mobility in our society. Guaranteed?s initiative will also go beyond home ownership and commercial finance by encouraging prudent financial planning and lifelong education.

Founded in 1992, Guaranteed has continued to grow rapidly since its inception, bucking the current trend in the industry at large. It was listed in the Inc. 500 list of fastest growing companies in the nation and maintains a weekly blog at http://www.joinguaranteed.com/blog with advice both for homebuyers and mortgage professionals.

For more information, please contact Kelley Berkheiser at 914-696-3400, or write Guaranteed Home Mortgage Company, Inc., 108 Corporate Park Drive, Suite 301, White Plains, NY 10604.

About Guaranteed Home Mortgage Company

Founded in 1992, Guaranteed Home Mortgage Company (Guaranteed), a licensed mortgage investment and banking firm, is comprised of more than 180 mortgage professionals lending in 27 states. The company, previously named in the Inc. 500 list of the fastest growing companies in the United States, provides residential mortgage financing to a wide variety of consumers and real estate professionals.

David Wind, an attorney, is Principal and President of Guaranteed. Previously, he served as a financial analyst of mortgage-backed securities at Citicorp Investment Bank and clerked in the real estate finance department of the New York State Attorney General?s Office.

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{http://www.homeloans-direct.co.uk|http://www.loansdirect.biz|http://www.ukhomeloans.net}
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(PRWEB) November 20, 2011

Manufacturers of drugs, clothes, solar panels, computer equipment, and cars in the United States have reported effects of the ongoing financial turmoil and upheaval in Europe. Though the consequences have been limited as of now, companies, investors, and consumers seem to be rattled by the sudden developments in the Euro Zone, according to the Forex trading experts at the online Forex ECN company InvestTechFX. The United States and Europe are interlinked and any slowdown across the Atlantic affects both the nations.

The shopping season is round the corner and the economy of the US is at its most vulnerable due to a wide trade deficit, weak hiring, high energy costs stagnant pay, and potentially steep government spending cuts. There are fears that consumers could rein in spending due to stock-market gyrations, which might further affect the profits companies in the US that have already been impacted by Europe’s sputtering growth. Smaller businesses and wine exports are also being affected due to poor European consumer sentiment and a weak Euro that is making wine in the US costlier by comparison. The EU is the United State?s number one trading partner and US companies with big European operations are suffering from lower prices, profits, and sales.

Fx Trading experts at InvestTechFX explain that the Euro Zone is expected to grow only 0.5% in 2012 that is far below the 1.8% growth predicted in the spring and the region might slip into a prolonged and seep recession in 2012.

The online Forex online company InvestTechFX is a proven leader in the industry of artificial intelligence software. They are renowned for their top notch trading technology systems in the computerized trading industry whose experts develop advanced, customizable, intuitive, efficient, and sophisticated Forex trading tools that help people understand Forex currency exchanges related trends and developments. Apart from offering new, exciting, and innovative solutions, they are well known for their detailed and comprehensive learning center.

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{http://www.homeloans-direct.co.uk|http://www.loansdirect.biz|http://www.ukhomeloans.net}
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Fort Lauderdale, FL (PRWEB) January 29, 2012

The residents of Ft. Lauderdale who want to use an experienced tax accountant to help them maximize their savings this tax filing season can now use new services from local firm Frank Gutta CPA PA. The firm has announced its preparation and filing service updates and is offering for a limited time free tax saving consultations to residents for the 2012 filing season.

January begins a rush of filing and preparation work that leads into April in order to meet state and federal deadlines for taxes. The firm helps clients maximize their deductions, ensure a complete and accurate filing of forms for the IRS and provide proactive tax planning strategies for clients to maximize savings with their financial decisions.

“As a proud member of the South Florida community since 1985, we are excited to take this opportunity to give back and help our Fort Lauderdale neighbors keep more of their money,” said Frank Gutta, founder and lead accountant with the firm.

“It’s an opportunity for us to give back to a community we are active in and love dearly,” added Mr. Gutta.

Visitors to the site are encouraged to contact via email or phone to schedule their free consultation with Frank Gutta and find out how much they can save when they apply his 25 plus years of experience to their taxes. Visitors can also take advantage of an exclusive 5 day report on actionable tax savings strategies delivered via email.

About Frank Gutta & Co. CPA, PA

The accounting firm has been helping business owners and families pay less, legally and ethically, since 1985 and has helped clients saved over 2.5 million dollars since the firms inception.

Contact:

Frank Gutta Accountant Fort Lauderdale

401 E. Las Olas Blvd

Suite 130-484

Fort Lauderdale, FL 33301

(954) 452-8813

http://www.frankguttacpa.com

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Chicago, IL (PRWEB) December 15, 2011

?Dear Santa: I would like a race car, a train and a blue sweater,? wrote one five-year-old student. ?Can I please have purple gloves and a scarf, and for fun?coloring books?? wrote another.

Each December, the young students at Calmeca Academy of Fine Arts & Dual Language on Chicago?s South Side carefully write their letters to Santa Claus. This year, however, due to the slow economy, the school?s expected support, which in the past was used to buy gifts for the children, was not available.

PLS Volunteers to Play Santa

That?s when PLS stepped in, pledging to play Santa for the school?s kindergarten and first grade classes. PLS team members at the company?s Support Center headquarters and at its many Illinois stores made $ 25 donations (the cost of purchasing gifts for one child), and the company matched many of the contributions.

On Monday, December 12, wrapped gifts for 100 students were delivered to Calmeca Academy by Sandra Arizaga, Director of Operations, PLS Check Cashers/North Illinois; Jim Bradley, Director of Operations, PLS Loan Store/South Illinois; and Daniel Dorame, Director of Operations, PLS Loan Store/North Illinois.

Delivering to Students in Dire Need

With average household incomes just under $ 10,000, the students at Calmeca Academy of Fine Arts & Dual Language (http://www.calmecaacademy.org), at 3456 W. 38th Street in Chicago, face daunting challenges all year round. Almost 97 percent come from low-income families, nearly 15 percent are special education students, and more than a third are limited-English learners.

?We are astounded at the generosity and kindness of our friends at PLS,? said Frances Garcia, Calmeca Academy?s principal. ?Thanks to their giving hearts, our young students will be able to enjoy a very merry Christmas, and will receive many of the basic necessities?gloves, scarves, boots?that they lack. PLS is an outstanding member of the community.?

?We?re just doing what good neighbors do, which is lending a hand to our neighbors in need,? said Bob Wolfberg, President, PLS. ?On behalf of all the PLS team members who made gift donations, we?re very glad to help the students and staff at Calmeca Academy enjoy a happy holiday season.?

About PLS: People. Location. Service.

The PLS Group (http://www.PLShome.com), headquartered in Chicago, is comprised of more than 300 financial services centers in Alabama, Arizona, California, Illinois, Indiana, Mississippi, New York, Texas and Wisconsin, with more than 3,100 employees. PLS is one of the largest, fastest-growing and most distinguished organizations in the check cashing industry, and is a top performer for Western Union, a money transfer network.

The PLS mission is to provide innovative and convenient financial services delivered with the respect that hard-working consumers deserve.

PLS has been listed among Inc. magazine?s ?5000 Fastest-Growing Private Companies in America? (http://www.inc.com/inc5000/list) for the past three years, and for three consecutive years has been named one of the ?101 Best and Brightest Companies to Work for in Chicago? by the National Association for Business Resources (http://www.101bestandbrightest.com). For the past four years, PLS has been named one of Chicago?s Largest Privately Held Companies by Crain?s Chicago Business

Penndel, Pennsylvania (PRWEB) December 15, 2011

Legendary Langhorne Carpet Company, and famed Penn State designer-instructor Lanny Sommese, are collaborating on the production and sale of a limited edition, all-wool tapestry, appropriately titled ?Hand in Hand?, in support of the new and innovative emergency student micro loan program, it was announced today. The first micro loans, given to students facing unexpected economic hardship, were provided through the university?s Office of Student Aid during the fall semester. The official tapestry ?loom launch? will take place on the mill floor at 1 p.m., Tuesday, December 20, (201 W. Lincoln Highway, Penndel, 19047).

Philadelphia attorney Tom Sharbaugh, a Penn State graduate (1973) who with his family early in 2011 developed the loan fund based on successful microfinance models in the developing world, said the accompanying Langhorne-Sommese project is just as unique as the emergency loan program aimed at helping the rapidly growing number of students in need.

?Langhorne and Lanny form the perfect combination ? literally working hand in hand ? to bring to life in the form of an original Langhorne Carpet tapestry an incredibly inspired and uplifting design,? explained Sharbaugh. ?The microfinance loan project is a first at Penn State ? and possibly in the U.S. ? and the fund raising is equally unique from a philanthropic standpoint.? He said Langhorne?s generous contribution of services enables the loan fund recipients to significantly benefit from each $ 300 purchase. The limited edition is for sale at http://www.langhornecarpets.com or by phone at 215-757-5155. The first art gallery to exhibit and sell the tapestry is The Rosenfeld Gallery (http://www.therosenfeldgallery.com), 113 Arch Street, Philadelphia.

Bill Morrow, President of Langhorne Carpet and director of its ?Carpets of Caring? initiative to support non-profit organizations, said the Penndel, Bucks County mill is honored to be able to work closely with Sommese, an internationally-renowned designer, and his powerful design, which comes to life as a 27? x 36? woven, 100% natural Wilton carpet. He noted that each tapestry contains more than 2,000 yards of yarn ? five colors in all – and features more than 80,000 individual stitches. ?Without a doubt, this is one of our most exciting projects, and that includes weaving carpets for the White House and a host of other landmarks,? said Morrow. ?Everyone at Langhorne is proud to be part of this project in support of determined students facing tough economic challenges.?

Anna M. Griswold, Executive Director of Penn State?s Office of Student Aid, said the loan program comes at a crucial time for financially-strapped students. ?One of our first recipients has been forced for financial reasons to take five years to graduate. As a result, he has exhausted his eligibility for state grants. He was already working, and his father had exhausted all options. The new micro loan helped close the gap and will now see him through to graduation in the spring and on to his career.?

Sommese, head of the graphic design program in the College of Arts and Architecture, in explaining the colorful and captivating design said, ?The interwoven hands express the feeling of nurturing and caring that is implicit in the nature of the project. Metaphorically, the interwoven fingers not only represent the process of weaving the tapestry but also the unique interpersonal relationship of the people contributing and the students receiving the loans. The brightly colored areas between the fingers signify the exciting, joyful, and fulfilling feelings that are inherent in the culture of giving.?

Mr. Sharbaugh can be reached at tomsharbaugh(at)gmail(dot)com

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San Francisco, CA (PRWEB) January 27, 2012

VIPorbit Software International, Inc., http://www.VIPorbit.com, announced the latest version of its flagship contact manager, VIPorbit for iPhone 2.0, today at Macworld (booth #818-24 in the Mobile Apps Showcase). This version builds on the app?s robust functional foundation by incorporating new user-requested features, an improved user interface and an enhanced dashboard.

Product Highlights

VIPorbit is the only full-featured contact manager for the iPhone and iPad, helping users manage and build relationships on mobile devices that they love to use and have with them all the time. VIPorbit integrates contacts with the calendar, so users get instant access to relationship details, quick scheduling, easy communication, and access to social media. A sequential log of all relationship activity is created automatically, providing a complete relationship history for each contact. Users can also record unlimited date-stamped notes for each contact. The app is designed around the concept of Orbits, allowing users to easily organize contacts into spheres of influence that can be leveraged to build relationships. The product is designed for contact-centric businesspeople, including entrepreneurs, business owners, salespeople, realtors, consultants and service professionals in industries such as financial, legal, medical, etc. The app can be easily customized for any type of business.

Product Enhancements

VIPorbit for iPhone 2.0 includes these new features:

An updated user interface with an easy-to-use Contact Dashboard that allows users to quickly navigate within the contact record to make calls, send emails and texts, and post to social sites
Update any field for an entire Orbit
Message an entire Orbit or custom list via email or SMS
Use the Orbit icon to toggle between an alphabetical and user-defined Orbit list
Immediately schedule follow-up activities ? a new prompt appears after completing an activity
A new Completed Activities Report displays completed activities for all contacts, an Orbit, or a custom list
Instantly look up contacts by country
Retrieve or reset your password automatically within the app

Company Leadership

VIPorbit is led by co-founder and CEO Mike Muhney, who was the co-inventor of ACT!

Green Bay, WI (PRWEB) January 27, 2012

Cash Depot also provides Wired and Wireless Internet Connections which are much faster, more reliable and more economical to the merchant because the internet is used rather than with a dedicated phone line.

Cash Depot is a privately owned, independent full service ATM Provider focusing on merchants and financial institutions. It is one of the few companies in the industry that provides In-House ATM Processing resulting in the fastest possible transactions. It sells, leases, rents, services and supports ATMs in the most efficient way maximizing profitability and customer satisfaction.

The Web sites are an invaluable resource for merchants in finding accessible information to address ATM needs. Information is efficiently categorized for easy navigation . The home website is http://www.cashdepotplus.com or visit the sales site: http://www.cashdepotatm.com

Cash Depot is committed to providing a customer concentric. The biggest point of differentiation is a unique culture, one that fosters meaningful long-term relationships with customers, loyal associates and a strong connection with partners.

GOAL:

Cash Depot will commit to treat everyone like family and strive to be the recognized leader in all business ventures.

MISSION:

To provide the best possible sales and customer experience in the world.
Be happy and let it show to customers and other family members.
Create security and opportunity in a diverse work environment, which promotes trust and mutual respect among family.
Do everything better, safer, faster and at a lower cost.
Maintain constant profitability as a means to future growth and success.

Cash Depot – Your One Stop ATM Provider

1740 Cofrin Drive Suite 2

Green Bay,WI 54302

1-920-432-5777

1-800-776-8834

http://www.cashepotplus.com

http://www.cashdepotatm.com

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{http://www.homeloans-direct.co.uk|http://www.loansdirect.biz|http://www.ukhomeloans.net}
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