DeNova Homes Celebrates the New Year with a New Release of Petaluma Homes in Southgate

January 24th, 2012 by Bank Loan | No Comments | Filed in Loans

Petaluma, CA (PRWEB) January 18, 2012

Southgate, a DeNova Homes community in Petaluma, CA is proud to announce the availability of 5 new Petaluma homes from $ 399,000, including the popular and previously sold out Retreat and Terrace floorplans. These homes will be available for purchase on January 14, 2012.

The new release of Petaluma homes includes 3-5 bedroom homes with a loft option and range in size from approximately 1,784 square feet to 2,665 square feet. Backyard landscaping, window coverings, and an appliance package are included for a limited time.

Our limited time financing enables buyers looking for Petaluma real estate to buy more with their money. Purchasing a home in Southgate is often less expensive than paying monthly rent. Lori Sanson, Executive Vice President for DeNova Homes. Offering homes with incredible financing, added amenities and no monthly HOA fees can put a familys dream home within reach.

Southgate is also pleased to announce a new Feature Home for January to welcome the new year. The Gables floorplan includes:


????3 Spacious Bedrooms and a Loft
????2.5 Luxurious Bathrooms
????Approximately 1,784 square feet
????Upgraded Kitchen Countertops
????Several flooring options to choose from
????Monthly payment from just $ 1,296*

Home buyers can also choose from several extra incentives such as low down payment financing and a $ 5,000 Internet Incentive for buyers visiting the website. The Petaluma homes at Southgate include $ 1000s in free upgrades, and are conveniently located minutes from Historic Downtown, shopping, good schools, and a neighborhood park. Additional floor plans and customization options are also available. Log in to the website at http://www.DeNovaAtSouthgate.com for photos, floorplans, and a list of available homes.

*Based on $ 399,000 purchase price. FHA loan 4.7631% with temporary payment reduction APR 4.7631. Builder temporary payment reduction. Preferred lender FHA 30 year fixed @1.25% year one, 2.25% year two 3.25% year three and 4.25% year 4-30 4.25% note rate. FHA loan at $ 388,885 (includes UFMIP) and minimum FICO? score of 680. Down payment requirement of 3.5% Taxes, mortgage insurance premium and hazard insurance are in addition to payment shown. Financing, prices, specifications and features are subject to change with prior notice. Restrictions and qualifications apply. Square footage is approximate.

About DeNova Homes

DeNova Homes, Inc. is a respected, family owned homebuilder in Northern California, specializing in all areas of residential construction to meet the needs of renters, first time home buyers, and move-up single family purchasers alike. DeNova Homes is an award winning, community focused homebuilder with a long tradition of supporting local charities and organizations. Most rewarding of all are the hundreds of satisfied homeowners who, over the years, have confirmed DeNova Homes standard of quality, lifestyle, and value. For more information visit http://www.DeNovaHomes.com.

About Paradigm Real Estate Solutions

Paradigm Real Estate Solutions, Marketing Consultant for DeNova Homes, is a full service national Real Estate Sales and Marketing firm leveraging its proprietary technology platform Marketing Success Portal? to deliver the next generation of real estate solutions for homebuilders, developers and financial institutions. Paradigm Real Estate Solutions’ provides market research, proprietary web based technology and internet-centric methods. For more information visit http://www.ParadigmIntel.com.

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ExpertSubjects.com Member Author & Blogger Brett Cottrell Takes Readers into The Valley of Fire with Release of Sci-Fi, New Weird Page-Turner

January 3rd, 2012 by Bank Loan | No Comments | Filed in News

Washington, DC (PRWEB) December 30, 2011

ExpertSubjects.com member author Brett Cottrell today released his new work of fiction titled “The Valley of Fire.” Mitt Romney and the success of the musical The Book of Mormon have recently thrust Mormonism into the limelight. While many Mormon beliefs may seem bizarre to mainstream America, it is one of the fastest growing religions in the world. Romneys public statements about his religion and the recent hit musical have not addressed what gives Mormonism or any religion its basic appeal to so many people: the human quest to understand our place in the world. However, with the release of “The Valley of Fire,” Brett Cottrell addresses this quest head on.

The Valley of Fire takes a dark, humorous look at our inability to understand God, and our refusal to admit this fact, Cottrell said.

The plot of the science fiction/new weird novel is quite witty and intriguing. In the book, God has a twisted sense of humor, but when a rogue angel known as “Insanity” escapes and takes over a polygamous sect, the joke goes too far. Insanity’s friends are tasked with bringing him home, but they have to find him first. Unfortunately, in their rush to recapture Insanity and clean up after his cult, they might accidentally start Armageddon.

Cottrell also attributes many of his imaginative, fantastical wanderings to his upbringing. He is a native of Las Vegas, born and bred in Sin City.

I grew up in a Mormon family in Las Vegas, Nevada. There were lots of Mormons in Sin City, and plenty of other religions too. Youll never find more praying than around a crowded roulette wheel. Living at this neon intersection of good and evil taught me that everybodys a bit insane, God included. After all, apples dont fall far from their trees, Cottrell said.

He studied political theory at Boise State and graduated from The George Washington University Law School.

The Valley of Fire is available for purchase on ExpertSubjects.com. For more information about Brett Cottrell and his new release, check out his self-titled blog or see the contact information above.

ExpertSubjects.com is a trusted Internet source for e-books and online courses in subjects varying from art to business to science and more. Educators and authors who publish materials on ExpertSubjects.com are typically experts in their respective fields, making ExpertSubjects.com a one-stop shop for curious minds seeking to learn more about everything from health to personal finance to religion to sports.

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Press Release: Merk White Paper Finds Currencies Deliver Enhanced Returns and Risk Protection

November 26th, 2011 by Bank Loan | No Comments | Filed in Forex

Palo Alto, CA (PRWEB) September 08, 2011

Merk Investments, manager of the Merk Funds, today announced the release of a new White Paper titled, How Can Investors Protect Against U.S. Dollar Risk?

The White Paper asserts that, in the current environment, adding portfolio protection against a decline in the U.S. dollar may be of the utmost importance. It cautions that there is a significant risk that the U.S. dollar may continue to weaken, causing a further decline in purchasing power. Furthermore, it points out that protection against inflation and purchasing power deterioration are key investment concerns.

Consequently, the authors beckon that investors may want to consider managing the U.S. dollar risk inherent in their portfolios. The White Paper analyzes several options currently available to investors seeking currency diversification and management, and discusses advantages and disadvantages of each alternative. These alternatives range from listed currency vehicles and international securities, to precious metals, commodities, and currency overlays.

Based on our research, employing a fully collateralized currency overlay on the S&P 500 Index results in enhanced risk-adjusted returns, states Kieran Osborne, CFA, Merks Director of Research and author of the White Paper. Forward contracts may allow investors to manage the currency exposure of an asset class or security, while maintaining a fully invested position in that same asset class or security, concludes Mr. Osborne.

For a copy of How Can Investors Protect Against U.S. Dollar Risk? please contact joe.paone [at] merkinvestments.com.

Merk Investments, with over $ 850 million in assets under management, is the largest mutual fund company focusing exclusively on currencies. The Merk Funds are a suite of transparent no-load currency mutual funds that do not typically employ leverage, consisting of: the Merk Hard Currency Fund (MERKX), the Merk Asian Currency Fund? (MEAFX), and the Merk Absolute Return Currency Fund? (MABFX). The Merk Funds provide investors with the opportunity to add managed currency exposure to their portfolios, which may provide valuable diversification benefits.

For more information about the Merk Funds and the currency asset class, including how to obtain a prospectus and to invest, please visit http://www.merkfunds.com.

For more information, or to schedule an interview, please contact:

Heather Busby

Merk Investments

(650) 323 4341

pr [at] merkinvestments.com

Merk Investments

Merk Investments LLC, is a Palo Alto, California, based SEC registered investment advisory firm managing currency mutual funds. For more information on Merk Investments or the Merk Funds, please visit http://www.merkfunds.com.

This information does not constitute a solicitation or an offer to buy or sell any investment security, nor provide investment advice. Merk Investments LLC.

Transaction fees and other restrictions may apply to invest through a broker. As with any mutual fund product, there is no guarantee that the funds will achieve their goals. Investors should consider the investment objectives, risks and charges and expenses of the Funds carefully before investing. This and other information is in the prospectus, a copy of which may be obtained by visiting the Funds website at http://www.merkfunds.com or calling 866-MERK FUND. Please read the prospectus carefully before you invest.

The Funds principal investment risks include, but are not limited to, currency exchange rate risk, foreign instrument risk and interest rate risk. For a more complete discussion of these risks please refer to the Funds prospectus. Foreside Fund Services, LLC, distributor.

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Human Capital Management Institute Announces SOLVE Workforce Intelligence Software Release

November 19th, 2011 by Bank Loan | No Comments | Filed in News

(PRWEB) October 03, 2011

The focus on talent management brings new challenges to organizations, including the ability to measure, quantify and predict human capital value. For most organizations, the workforce is the single most valuable asset and largest expense. Although many organizations have invested in workforce initiatives and talent management software, there has been a lack of tools to provide a full spectrum of workforce analytics and predictive modeling. Until now. Human Capital Management Institute (HCMI) announces the release of SOLVE, a groundbreaking advanced workforce analytics and planning software solution.

SOLVE intelligence software integrates your workforce, financial, and business data to deliver predictive analytics and workforce planning capabilities. Built on the most comprehensive workforce standards in the market, SOLVE enables organizations to forecast the ROI of workforce decisions, quantify the impact of workforce productivity, value career paths, and calculate cost savings and value creation from workforce interventions and workforce planning scenarios.

Jeff Higgins, CEO of HCMI states: ?SOLVE is the first software of its kind. Leveraging SaaS technology, it complements your current systems and data warehouses. The powerful analytics engine delivers the full portfolio of HCMI?s workforce planning and analytics tools in an integrated platform.?

Organizations that utilize SOLVE will make better informed strategic workforce decisions by leveraging smart and predictive dashboards, calculators, and scenario planning tools. Also included are HCMI?s market leading tools: the Workforce ROI CalculatorTM, Predictive Workforce Planning, and Human Capital Financial Statements (HCF$ ).

HCMI will preview the Solve software at the 2011 HR Technology Conference in Las Vegas. Visit http://www.hcminst.com to sign up for a webinar or learn more about how HCMI is changing the face of Finance and HR.

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Business Line of Credit Applicants Bailed Out by Release of Small Business Assistance Program

September 13th, 2011 by Bank Loan | No Comments | Filed in Loans

Los Angeles, CA (PRWEB) August 01, 2011

Business owners across the US applying for traditional business loans have been given an alternative option of financing that does not require credit approval, nor require a collateral. This new unsecured business loan gives the business an option to pay back the loan over the course of 12 months, at only 12% interest, according to MerchantCashinAdvance.

Unsecured business loans have been around for numerous years, however this Small Business Assistance program differs than most.

First of all, the program does not run the credit history of the business owner who is applying for the loan itself. No collateral is required to put down, and the unsecured business loan is set at a 12 percent interest rate. The Small Business Assistance loan program only requires the business owner to be in business for 6 months or longer.

This is unprecedented among the entire small business loan industry, as it leaves little to no protection to the lender whatsoever. The loan is setup quite simply; the lender purchases the business applicant’s future sales, and allows the business to pay it back over the course of 12 months. The program has grown exponentially in popularity at no surprise to most, because it approves each business based on its performance alone. Traditional business loans have based lending approval on personal credit and/or collateral, which has steered most businesses away.

Since the Small Business Assistance Program release last week, it has already funded over 8 million dollars to over 8,000 businesses – approving 98% of its business applicants. With 92% of traditional business loan applicants being denied for business bank loans, the popularity of the Small Business Assistance Program is sure to grow larger and larger as time passes.

Small Business Assistance Inquiries Made at: 877-875-0231

http://www.MerchantCashinAdvance.com

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FOR IMMEDIATE RELEASE: eCommerce Developers, Inc. Partners with Bank of America to Provide Scholarships for ePro Web Developer Training and Certification Along with Discounts for Students and Businesses that complete the Course.

August 16th, 2011 by Bank Loan | No Comments | Filed in Bank

(PRWEB) September 20, 2003

FOR IMMEDIATE RELEASE:

eCommerce Developers, Inc. Partners with Bank of America to Provide Scholarships for ePro Web Developer Training and Certification Along with Discounts for Students and Businesses that complete the Course.

Atlanta, Georgia September 18, 2003

eCommerce Developers, Inc. and Bank of America are pleased to announce a new strategic relationship in order to provide scholarships and funding for students and small business enrolling in the ePro Developer Certification course.

?This is a great opportunity for Bank of America to assist our existing clients in the pursuit of harnessing the Power of the Internet in order to grow their Businesses and establish new banking relationships with those whom complete the ePro course.”

Selda Mott, Assistant Vice President – Bank of America.

“The reason Bank of America is in business is to help make communities stronger and to help people achieve their dreams. We fulfill this purpose by reaching for higher standards in everything we do — for our customers, our shareholders, our associates and our communities, upon which the future prosperity of our company rests.”

Kenneth D. Lewis, Chairman and CEO – Bank of America.

“We are very pleased to have enlisted the support of Bank of America in our Corporate Scholarship Program. This is definitely a win-win situation for all of us and most importantly the Students.

Douglas Loo, eCommerce Developers, Inc.

For additional information on the Corporate Scholarship program contact:

(Ecommerce Developers, Inc. 3480 Duncan Bridge Dr. Buford Georgia 30519

or email info@ecommerce-developers.com )

About eCommerce Developers Inc.

Founded in 1996, eCommerce Developers, Inc. is a dynamic technology corporation that is poised to capture substantial market share in two of the fastest growing service industries in the country, eCommerce Development Software and eCommerce Business Training.

About Bank of America

One of the world’s leading financial services companies, Bank of America is committed to making banking work for customers and clients like it never has before. Through innovative technologies and the ingenuity of its people, Bank of America provides individuals, small businesses and commercial, corporate and institutional clients across the United States and around the world new and better ways to manage their financial lives. The company enables customers to do their banking and investing whenever, wherever and however they choose through the nation’s largest financial services network, including approximately 4,400 domestic offices and 13,000 ATMs, as well as 30 international offices serving clients in more than 150 countries, and an Internet Web site that provides online banking access to 4 million active users, more than any other bank.

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selda mott

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Human Capital Management Institute Announces Release of Human Capital Financial Statements (HCF$)

June 25th, 2011 by Bank Loan | No Comments | Filed in News

Marina Del Rey, CA (PRWEB) April 5, 2011

Around the world organizations frequently state that employees are their most valuable asset, and yet publicly traded organizations provide little or no information on this ?most valuable asset? to investors or the public. Regulatory securities commissions, such as the Securities and Exchange Commission (SEC) in the United States, require extensive disclosure regarding all major assets including financial, physical, and technological/intellectual property. However, they do not require disclosure of what is, for most organizations, their largest annual operating expense. Human capital and talent management are differentiators of success, sources of competitive advantage, intellectual capital value creation, and major business costs. Therefore, human capital should be reported as a part of or a supplement to public financial statements.

Human Capital Management Institute?s Human Capital Financial Statements (HCF$ ?) provide a standard means with which to measure, report and disclose a company?s human capital. A company?s workforce, currently treated conservatively as an expense, can finally be reported separately for what it is: a critical factor in the success of any organization. Traditional financial statements provide a standard way in which to evaluate and compare performance across industries and countries; separating top from average performers and identifying undervalued from overvalued assets. Now for the first time, investors can gain transparency into human capital for their investment decisions.

Companies that adopt HCF$ ? gain greater transparency and a method to truly value knowledge capital in a 21st century world in which knowledge capital drives market valuation far more than financial or physical capital. These companies will also have the ability to make better informed strategic workforce decisions by trending shifts in workforce productivity, costs, and value creation. The statements quantify the total value of the workforce and highlight the different levels of value contribution for different job roles. Organizations that adopt HCF$ ? will also have the ability to calculate the total cost of workforce and analyze HR programs that create value.

Jeff Higgins, CEO of HCMI states: ?Human Capital Financial Statements represent far more than a set of reports. They are a clear, quantitative, standard ? a surgical tool – that provides insight for investors and proactive management tools for company senior leadership. By using data instead of gut instinct, organizations can better manage the workforce.?

HCMI?s Human Capital Financial Statements are changing the way financial and human capital data is reported.

HCMI?s Human Capital Financial Statement whitepaper is available for download at http://download.hcminst.com/downloads/10001/. HCMI will be offering a Human Capital Financial Statement webinar education series through April 2011. Visit http://www.hcminst.com to learn more about HCMI?s Human Capital Financial Statements and webinar schedules.

About HCMI

The Human Capital Management Institute was founded on the belief that organizations can, and must, find better ways of measuring their investments in human capital. We strive to fundamentally change the way organizations make decisions about their workforce, and our vision of the future is one in which human capital measurement and information is as integral to business decision making as financial information is today. Serving global and domestic clients, HCMI delivers advanced workforce intelligence training, assessments, consulting, and the worlds most advanced analytics and workforce planning modeling tools.

About Dr. Jac Fitz-Enz and Human Capital Source

Dr. Fitz-enz introduced human capital metrics to HR and finance in 1978 with the founding of Saratoga Institute. In the past 30 years he has developed the methodology and advanced analytics through work in 46 countries. His 12 books, two Book of the Year Awards, form the foundation of the study of human capital analytics. He has been cited as one of the top five HR gurus and as one who has changed the way organizations manage people. Dr. Jac as he is known, consults, writes and speaks worldwide on predictive management and analytics from his office in San Jose, California.

FOR FURTHER INFORMATION, PLEASE CONTACT:

Cheryl Farley

Program Director

Human Capital Management Institute

972.514.7174

cheryl(dot)farley(at)hcminst(dot)com

http://www.hcminst.com

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Proverbial Notes eNewsletter October 2003 Release

June 23rd, 2011 by Bank Loan | No Comments | Filed in Bank

(PRWEB) October 15, 2003 -

Arlington, TX ?line at http://www.proverbsconsulting.com/october_2003.htm.

The October issue features web resource information on what is web hosting and the basic and general information on finding a web hosting provider. The issue also features information on the new trend of digital invoicing. Jupiter Research (http://www.jupiterresearch.com/bin/item.pl/home) recently predicted that by 2006, 63 percent of American households with bank accounts will pay some of their bills online. Though they are likely to stick around for some time, paper invoices, checks and the drudgery that goes with them are rapidly being replaced by today?s more efficient online billing and payment systems.

Proverbial Notes is a monthly e-newsletter developed by Proverbs Consulting to provide small-business owners and independent consultants with the latest business resource information in the areas of information technology/systems, strategic planning, project management, finance and public relations.

About Proverbs Consulting

Proverbs Consulting based in Arlington, TX was established in 1994 as Emerson Consultants in Wichita, KS and was renamed Proverbs Consulting upon relocation of the owner to the Dallas, TX area in 1999. Proverbs Consulting offers a diversity of services that include fiscal management, project management, strategic planning, information technology/systems consulting, computer training, and desktop publishing.

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Singlewire Software Announces the Release of No-cost Applications for Use on Cisco IP Phones

June 9th, 2011 by Bank Loan | No Comments | Filed in Forex

Madison, Wisconsin (PRWEB) June 07, 2011

Singlewire Software, LLC, (http://www.singlewire.com) today announced the release of several free applications for use on most models of Cisco IP phones. These applications offer helpful answers to commonly asked questions such as currency conversion, local time, and local weather.

Users of Cisco IP phones can access the applications by simply pushing the Applications or Services button on their phone and choosing from a list of configured services. The phone keypad is used to enter specific request information like a ZIP code for current weather, or an area code number to display name of a city.

?These Cisco phone applications are a great way for organizations to provide additional real-time information and resources to employees,? states Jerry Steinhauer (CCIE #12504), Chief Technical Officer at Singlewire Software. ?The applications are easy to implement, configure, and use.?

The list of current applications offered includes: local weather information, a stock ticker, area code look-up, a world clock, and a currency converter. Additional applications will be introduced in the future.

Phone administrators need to simply create a phone service with the provided URL and assign the service to their organization?s phones. Administration should be done by individuals familiar with configuring Cisco Unified Communications Manager (CUCM) or Cisco Unified Communications Manager Express (CME). Instructions can be downloaded from the Singlewire website at http://www.singlewire.com/free-xml-apps.html, and are offered on good faith to anyone who is interested in using them. There is no technical support offered for the free applications.

In addition to making these free applications available, Singlewire Software also creates and sells a host of voice applications for use with Cisco Unified Communications, including InformaCast. InformaCast is a full-featured, network-based mass notification, emergency communication, and overhead paging system that allows users to simultaneously send an audio and/or text message to a variety of endpoints including IP speakers, Cisco IP phones, overhead paging systems, computer desktops, digital signage, SMS text, social media sites, and more. InformaCast can also be used to send bell tones for passing bells in K-12 schools and shift changes in manufacturing environments.

Singlewire InformaCast can be ordered directly through Singlewire or through our registered partners.

About Singlewire Software:

Singlewire, based in Madison, WI, develops and supports innovative voice applications centered around secure, fast, and reliable mass notification capabilities. Our main offerings include: InformaCast, InformaCast SE, PushToTalk, and RemotePhoneControl.

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Stealth Forex Systems Heralds the Release of Version 9i of Its Highly Successful Currency Trading System

January 13th, 2011 by Bank Loan | No Comments | Filed in Forex


(PRWEB) March 15, 2007

Currency trading system developers Stealth Forex Systems www.stealthforex.com have implemented the latest version changes to their much acclaimed forex trading system. Version 9i became available on all downloads from March 1, 2007.

The main differences with the latest version are in the set-up.

Previous versions required the user to have at least some basic PC skills. When using version 9i, the set-up instructions arelaid out in pictorial steps which are extremely easy to follow, making set-up for the user virtually foolproof.

“There are also a few enhancements to the forex trading system itself” said Martin Bottomley, one of the system developers. “We did not want to make change just for change sake”, he said “but in the fluid world of forex trading, one needs to maintain an edge. We have been working on version 9i for some months and are extremely pleased with the results”.

Stealth Forex Systems is fast becoming a household name with retail forex investors (also known as private forex traders). The company attributes much of their success to a well thought out and developed trading plan, an honest and hype free approach to trading on the foreign exchange and above all, to a reliableand effective customer support service.

To find out more about the company and it’s currency trading aids visit their website at www.stealthforex.com

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