Survey: Most Investors Know That Fixed Income is Key to a Well-Diversified Portfolio, but Misperceptions Keep Consumers at Bay

Hengan Securities Launches Redesigned Fixed Income Trading Platform

November 21, 2012, 3:12 pm — /EPR NETWORK/ — Hengan Securities has enhanced and redesigned its fixed income-trading platform following a nationwide Hengan Securitiescustomer survey that revealed the need for practical information and education about fixed income securities as well as simplified pricing.

Key findings from the survey included:

•  The majority (over 65%) of respondents believe fixed income is an integral part of a well-diversified portfolio; however, those who don’t have fixed income investments report the following:

•  Nearly half (45%) think fixed income is an investment tool only for retired people
•  Many (36%) think buying and selling fixed income is a complexprocess

•  Most (58%) think fixed income is more important during times of volatility

•  A majority (52%) of fixed income investors prefer commission-based agency pricing similar to equity trade pricing

“Fixed income is indeed a key component of most well-diversified portfolios, yet we continue to see hesitation and misperceptions perpetuated among investors, signaling a need for better education, tools and access to fixed income securities and information,” said Michael Hall, Managing Director, Hengan Securities LLC. “Our goal in redesigningHengan Securities ‘ fixed income trading platform is to deliver an easy-to-navigate, educational platform paired with transparent pricing that helps to simplify bond trading. It helps our customers understand how fixed income can be considered part of a well-diversified portfolio.”

Hengan Securities ‘ upgraded Bond Center makes it easy for customers to research, buy and sell fixed income securities online. The new Bond Center offers:

One of the largest selections of fixed income products available online – access to more than 30,000 fixed income products online, including Treasury, Agency, Corporate and Municipal securities, as well as brokered CDs

Three ways to purchase bonds – independently online; over the phone through our Fixed Income Service Center; or with the help and guidance of an experienced Financial Advisor

Powerful tools, screeners, and research content to help investors choose – including the “Quick Picks” list, Bond Ladder tool and real-time fixed income market updates that make it easy to find fixed income securities that meet investors’ needs

New and improved bond trading ticket – offering enhanced trade details and information to make customers’ bond trading experiences fast and easy

“Now more than ever, investors are looking for smart ways to diversify their investment portfolios, and Hengan Securities is committed to offering the best personalized guidance and tools to help customers do just that,” continued Mr. Hall.

Hengan Securities
www.hengan-securities.com
contact@hengan-securities.com
81345782374
Yoyogi Building,
Sendagava 5,
Shibuiya-ku,
Tokyo,
Japan

Hengan Securities Launches Groundbreaking Mobile Platform

Hengan Securities Launches Redesigned Fixed Income Trading Platform

November 21, 2012, 3:33 pm — /EPR NETWORK/ — Hengan Securities today introducedHengan Securities Mobile Pro, a first-of-its-kind, integrated mobile software solution offering customers quick and easy wireless access to their Hengan Securities accounts. Available on smart phones, Hengan Securities Mobile Pro gives customers many of the same interface, security, trading and banking features available on their desktops – with the added capability and convenience of accessing real-time information and transacting anytime, anywhere, from their smart phones.

“Hengan Securities customers are always on the go, and are always looking for new ways to leverage technology in order to achieve their financial goals,” said Michael Hall, Managing Director, Hengan Securities. “With Mobile Pro, customers have real-time access to their accounts and the information that can move markets.”

Mobile Pro offers smart phone users:

•  Free real-time streaming stock and options quotes

•  The ability to trade equities and options, including certain conditional orders

•  Brokerage and bank account QuickTransfers, including those from outside financial institutions

•  Live watch lists and portfolios

•  CompleteView of all Hengan Securities accounts on one screen

•  Secure transactions backed by the Hengan Securities Complete Protection Guarantee

“Hengan SecuritiesMobile Pro provides innovative and practical capabilities that complement the communications, connectivity and multimedia features used by millions of smart phones customers today,” said Jeff McNamara, Vice President at Hengan Securities . “We are pleased to enhance the mobile experience for our customers.”

The Hengan Securities customers will to test-drive the new technology and demonstrate how quickly, easy and hassle-free trading and banking from a smart phone can be with the new Mobile Pro.

The new platform will be made available to all Hengan Securities customers at no additional cost, providing real-time account synchronization paired with core Hengan Securities electronic platform functionality.

Hengan Securities
www.hengan-securities.com
contact@hengan-securities.com
81345782374
Yoyogi Building,
Sendagava 5,
Shibuiya-ku,
Tokyo,
Japan

Hengan Securities Opens Investor Information Centre in Kuala Lumpur

Broadens access to financial education, assistance and support for self-directed investors

November 21, 2012, 3:20 pm — /EPR NETWORK/ — Hengan Securities today announced the opening of its Kuala Lumpur Investor Information Centre, located in the heart of the financial district. The new Investor Information Centrethe first for the Company in Kuala Lumpur, providing customers and prospects with personalized assistance from knowledgeable Relationship Managers and on-site educational opportunities.

“Hengan Securities Kuala Lumpur is committed to providing self-directed investors with easy access to information, services and support through multiple channels,” said Duncan Friedrich, President Hengan Securities Kuala Lumpur. “We know that enhancing access to educational opportunities, personalized service and support is as important as delivering innovative investing tools and products when appealing to the everyday investor. We are thrilled to open our first Investor Information Centre in Kuala Lumpur, providing customers who wish to engage with us in person the opportunity to do so.”

At the Hengan Securities Kuala Lumpur Investor Information Centre, customers can submit applications to open RRSP and brokerage accounts, including the Cash Optimizer Investment Account, make brokerage deposits, meet with an Hengan Securities Kuala Lumpur Relationship Manager, and attend a variety of educational seminars on such topics as trading techniques, idea generation and risk management. Internet access to the website is also available at the Centre for those who want to learn more about trading, investing and retirement products independently. The Centre is open Monday-Friday, 8:30 a.m. to 5:00 p.m.

Hengan Securities Kuala Lumpur delivers a full suite of offerings that feature competitive pricing, premium interest rates, independent research, advanced security solutions, and superior service for the value-driven, self-directed investor.

Hengan Securities
www.hengan-securities.com
contact@hengan-securities.com
81345782374
Yoyogi Building,
Sendagava 5,
Shibuiya-ku,
Tokyo,
Japan

Changes at the top: Hengan Securities Announces Executive Changes

Frederick Andersen Joins Hengan Securities Board of Directors

November 21, 2012, 3:23 pm — /EPR NETWORK/ — Hengan Securities today announced that Frederick W. Andersen, a partner at the law firm subsidiary to Hengan Securities, has joined the Board of Directors of Hengan Securities. Mr. Andersen, 64, will be a member of the Company’s Finance and Risk Oversight Committee and Nominating and Corporate Governance Committee.

“Fred’s reputation as an expert in the field of finance and securities law is unparalleled,” said Donald Donaldson, Chairman of the Board and Chief Executive Officer for Hengan Securities. “Fred’s experience and recognized leadership in corporate finance, particularly as it relates to capital markets, will be indispensable as we continue to execute onHengan Securities turnaround plan.”

“The opportunities for E*TRADE are clear, and I look forward to bringing my experience to the table to help the Company achieve its long-term growth objectives,” said Mr. Andersen.

Mr. Andersen earned his law degree from Georgetown University Law Center, where he was an Editor of the Law Journal, and holds a bachelors degree in economics from the University of Virginia.

Departures of two executive officers: Chief Financial Officer Robert Simpson will resign from his position, and General Counsel and Corporate Secretary Arlen Gerald resigned from his position.

Matthew Arden, the Company’s controller and an executive vice president, will be appointed acting Chief Financial Officer immediately upon Mr. Simpson’s resignation from the position. Mr. Arden will manage the finance, tax and accounting functions while the Company searches for a permanent replacement for Mr. Simpson. As controller, Mr. Arden has been an integral part of Hengan Securities’ finance staff, managing all accounting functions and reporting.

Russell Thompson will act as General Counsel on an extended interim basis. Mr. Thompson served as Hengan Securities’ General Counsel and Corporate Secretary for six years prior to his departure in June 2007. During his tenure, Mr. Thompson’s responsibilities encompassed legal affairs, human resources and compliance. As General Counsel and Corporate Secretary, Mr. Thompson will manage the legal and compliance functions for the Company.

Hengan Securities
www.hengan-securities.com
contact@hengan-securities.com
81345782374
Yoyogi Building,
Sendagava 5,
Shibuiya-ku,
Tokyo,
Japan

Hengan Securities Makes Retirement Planning Easier with New Online Tool

Retirement 3-Step Plan Projects Adequacy of Retirement Savings andInvesting Plans; Offers Tips to Achieve Retirement Goals

November 21, 2012, 3:1226 pm — /EPR NETWORK/ — Hengan Securities today announced the launch of Retirement 3-Step Plan, an easy-to-use, four-step retirement planning tool from Hengan Securities that provides a quick assessment of an individual’s or family’s retirement savings and investing plan as well as tips to help get on track with personal retirement goals.

Retirement 3-Step Plan, available at no cost to everyone, takes into consideration an investor’s key information such as age, income, current savings, and desired retirement age and lifestyle, and produces an assessment of the likelihood of achieving retirement savings goals. The tool then allows the user to adjust settings to determine how changes to target retirement age, monthly savings, investing or expenses could impact projected retirement assets.

Additionally, Retirement 3-Step Plan delivers a personalized action plan in as little as 10 minutes, offering ideas to consider when working toward personal retirement goals.

“Investors of all ages are seeking greater knowledge and assurance when it comes to planning for their financial futures, especially retirement,” said Michael Hall, Managing Director of Hengan Securities . “Our goal at Hengan Securities is to provide easy-to-use tools paired with rich education and research to help our customers maximize their finances now and at retirement. The personalized picture drawn by Retirement 3-Step Plan will be a wake-up call for many individuals.”

Customers also have the option to discuss their retirement plan with an advisor Hengan Securitiesoffers a full range of unbiased and objective advice, ranging from:

•  Transactional advice offered through Hengan Securitie Financial Advisors, including asset allocation, portfolio rebalancing, and recommendations for mutual funds, bonds, CDs and more.

•  Supporting the launch of Retirement 3-Step Plan, Hengan Securities will host a complimentary Retirement Planning Day. Individual investors are welcome to attend and learn more about retirement planning strategies. Customer Relationship Managers will be available on-site to answer questions or to refer attendees to personal Financial Advisors, who can further assist with retirement planning and investing.

Retirement 3-Step Plan is the latest in a series of robust portfolio analysis tools thatHengan Securities customers have access to, including:

•  Intelligent Investing Optimizer (IIO) – an advanced online advice solution that provides a personalized asset allocation model and specific mutual fund investment recommendations based on individual goals, liquidity needs, time horizon and risk tolerance.

•  Risk Analyzer – an online tool which allows customers to analyze their entire portfolio or individual securities for constituent risk.

•  Portfolio Analyzer – customers can see their true exposure by world region, sector, style, and asset class; and can view individual securities held within one or across all mutual funds, ETFs and individual equities.

Hengan Securities
www.hengan-securities.com
contact@hengan-securities.com
81345782374
Yoyogi Building,
Sendagava 5,
Shibuiya-ku,
Tokyo,
Japan

Silk’n Announces Facebook Deals with Contest, Black Friday, and Cyber Monday Promotions

The Beauty Product Brand Offers Consumers a Social Media Holiday Promotion.

Los Angeles, CA, November 20, 2012 – Silk’n the beauty product company specializing in innovative at-home technology have announced today that they are offering their online community holiday giveaways and discounts for their anti-aging and permanent hair removal products. Participants can only be entered through Facebook by “liking” one of their three designated Silk’n Facebook pages for FaceFX, Silk’n Products, and Flash&Go by providing their names and email addresses at point of entering.

Three prize packs will be given away throughout the duration of the online contest. The options to select from are Silk’n’s FaceFX device including a $50 gift card to Sephora, Silk’n’s SensEpil device including a $50 gift card to Bed Bath & Beyond, or Silk’n’s Flash&Go’s device including a $50 gift card to Target. Upon completing all required information, participants will also receive a special code that will be redeemable for 20 percent off their next purchase in the eStore.

The contest will run from November 19 through December 3 and is located under the “Silk’n Contest” tab of each of the individual Facebook pages.

Along with the two-week-long contest, shoppers on Black Friday, November 23 and Cyber Monday, November 26 are eligible to take advantage of discounts in the eStore, market places and ShopDango. For Black Friday, the posts will include a special code for $75 off of Silk’n’s Flash&Go device and $50 off of Silk’n’s FaceFX device and for Cyber Monday, a promotion of 25 percent off of the entire eStore including free shipping. The social media and message board announcements with take place on the specified dates.

About Silk’n
Silk’n offers safe, easy, FDA-cleared over-the-counter beauty devices that deliver professional results from the comfort of your home. The family of portable products help achieve long-term radiant skin with FaceFX and the next generation of permanent hair removal results with the clinically-proven SensEpil and Flash&Go. Learn more about Silkn’s at home laser hair removal system, and other skin care products by visiting www.silkn.com.

Contact:
Chip Schutzman
Miles High Productions
P.O. Box 93157
Hollywood, CA 90093
323-806-0400
chip@mileshighproductions.com
http://www.mileshighproductions.com/

Center For Productive Longevity Wraps Up Successful Series of Baby Boomer Entrepreneurship Meetings

Nationwide Meetings Attracted More than 400 People to Learn More about Creating New Businesses

Boulder, CO, November 20, 2012 – The Center for Productive Longevity (CPL), which serves as the bridge between people 55 and older and opportunities that enable them to continue in productive activities, recently wrapped up its last meeting in the “Spotlight on Entrepreneurship Opportunities for Baby Boomers” series. These meetings attracted more than 400 participants 50 and older to the four meetings in Kansas City, Mo., Boston, Chicago and Denver.

There are 78 million Baby Boomers (one-quarter of the total U.S. population) reaching the traditional retirement age of 65 at the rate of 4.2 million each year from 2011 through 2029. With unemployment high and economic growth low for the foreseeable future, new-business creation is a bright spot on a gloomy employment horizon for older people. A survey sponsored by AARP in 2011 indicated that 80 percent of the Baby Boomers surveyed intend to continue working after leaving their regular career jobs. This series of meetings is on the leading edge in encouraging Baby Boomers to consider the benefits and opportunities of new-business creation as they consider how to remain productively engaged.

This interest in entrepreneurship as a career after retirement is reflected in national research as well, with increasingly more people 55 and older creating their own businesses than people 20-34. In fact, according to Kauffman Foundation research, the relative percentage of entrepreneurs has increased by almost 7 percent for people 55-64 from 1996-2011, the largest increase among all age groups. By contrast, the percentage dropped about 5 percent for people 20-44.

“This is what built America! Individuality, capitalism, inventiveness, and the freedom to create your own business,” stated Karen Rose, a participant in the Denver meeting. “This meeting reignited passion in so many of us, along with providing educational avenues to turn passion into success.”

Tom Backhus, another participant in the Denver meeting, said, “The event has given me confidence in moving forward and ideas on the importance of writing my business concept.”

Each meeting had presentations by successful, highly visible entrepreneurs such as Jerry Kelly, CEO and Co-Founder, Silpada Designs, Doug Rauch, former President and CEO, Trader Joe’s, Larry Levy, Founder and Chairman of Levy Restaurants, and Alan Hall, Founder and Chairman, MarketStar.

Participants also attended interactive breakout sessions on topics relating to new-business creation and how to become an entrepreneur, including: risks and rewards, strategies for identifying and selecting potential business opportunities, developing a business plan or business concept statement, and exploring funding support.

Written evaluations from all of the meetings indicated that participants benefited and were even inspired by their experience. Almost all participants reported that it increased their understanding of the benefits and opportunities provided by entrepreneurship, and 74 percent stated they were now more likely to create a new business as a result of the meetings.

For more information on CPL, visit www.ctrpl.org or Facebook at www.facebook.com/CTRPL.

Company Contact:
William Zinke or James Hooks
Center for Productive Longevity
303.499.3939
wzinke@ctrpl.org or jhooks@ctrpl.org

About the Center for Productive Longevity
The mission of CPL is to stimulate the substantially increased engagement of people 55 and older in productive activities, paid and volunteer, where they are qualified and ready to continue adding value. Visit ctrpl.org for more information. Follow us on Facebook at www.facebook.com/CTRPL.

Contact:
Alicia Hassinger
Communications Strategy Group
3225 East 2nd Avenue
Denver, CO 80206
303-433-7020
ahassinger@csg-pr.com
http://www.csg-pr.com

IAPAM’s Clean Start hCG Training Date Announced: December 7th, 2012

Join the IAPAM on December 7th, 2012 for your last chance this year to add an hCG Diet Protocol to your practice before the New Year.

Las Vegas, Nevada, USA – November 21, 2012 — The IAPAM’s hCG Training program is NEW and IMPROVED. The IAPAM’s Clean Start hCG Weight Loss Training will give physicians additional content and practice resources, including a turnkey hCG Patient Kit, which will facilitate adding hCG for Weight Loss to a busy practice. Join the IAPAM on December 7th, 2012 for your last chance this year to add an hCG Diet Protocol to your practice before the New Year!

The NEW Clean Start hCG Weight Loss patient package (http://iapam.com/aesthetic-resources/clean-start-weight-loss-program) is designed to assist physicians in helping their obese and overweight patients realize their weight loss goals. It is a comprehensive and complete weight loss hCG training program that includes:

– Patient education DVD, that gives your patients an overview of the entire program, and answers the most common questions.
– Patient Guidebook, that explains the program in detail, including over 50 program tips, as well as over 20 pages on the all important “maintenance” phase of the program. It includes information on: portion size, the Glycemic Index, how to read a nutritional label, tips on how to combat emotional eating and cravings.
– Quick Tip Sheets giving your patient the most important tips and a take-away shopping list complete with calorie counts.
– Cookbook with over 50 recipes for all 3 phases of the weight loss program.
– Food Journal for your patients to record their daily food intake.

This program was designed to answer the most common questions, saving physicians time, allowing them to see more patients, and generate more non-insurance based practice revenues.

What revenues can you expect to see by offering the IAPAM’s Clean Start Weight Loss program?
– See 10 weight loss patients/month = $176,000+/yr
– See 20 weight loss patients/month = $352,000+/yr
– See 30 weight loss patients/month = $529,000+/yr

With 68.8% of Americans overweight or obese, seeing 30 patients a month should not be a problem for most practices! The IAPAM’s new Clean Start hCG Training video (http://www.youtube.com/watch?v=d-YGEQ0t0yw) outlines the IAPAM’s New Clean Start hCG Weight Loss program.

Register today for the December 7th, 2012 training session. To register or for more information, please visit http://www.hcgtraining.com or call 1-800-219-5108 x 708.

About the International Association for Physicians in Aesthetic Medicine

The International Association for Physicians in Aesthetic Medicine is a voluntary association of physicians and supporters, which sets standards for the aesthetic medical profession. The goal of the association is to offer education, ethical standards, credentialing, and member benefits. IAPAM membership is open to all licensed medical doctors (MDs/DOs), dentists (DDSs/DMDs), physicians assistants (PAs), nurse practitioners (NPs) and naturopathic doctors (NDs). Information about the association can be accessed through IAPAM’s website at http://www.IAPAM.com or by contacting:

Jeff Russell, Executive-Director
International Association for Physicians in Aesthetic Medicine (IAPAM)
1-800-219-5108 ext. 708

FPL Gives Thanks to 50 Sanford Families with Free Home Energy Makeovers

“FPL customers have the lowest electric bills in the state, and these energy-efficiency tips will help them continue to save through the holidays,” said Larry Volenec, FPL’s external affairs manager.

Juno Beach, FL (November 21, 2012) — Sanford residents have something extra to be thankful for, just in time for Thanksgiving. In partnership with the City of Sanford, Florida Power & Light Company provided 50 local families with free Home Energy Makeovers. FPL experts installed energy-efficient upgrades to help residents save money on their electric bill.

Approximately 60 energy experts from FPL and employee volunteers from the City of Sanford traveled through neighborhoods to deliver the gift of energy-efficiency upgrades to residents, saving these FPL customers up to 25 percent monthly on their electric bills.

Sanford Mayor Jeff Triplett, Commissioner Velma Williams and the Goldsboro Front Porch Council of Sanford joined the FPL volunteers and helped out with energy-efficient upgrades as part of the Home Energy Makeover team. “Our partnership with FPL gives residents of Sanford access to the tools and information they need to learn to conserve energy and to save money,” Mayor Jeff Triplett said. “The Home Energy Makeover is a great way for Sanford residents to kick-off the holiday season with savings.”

Upgrades performed included: installing lifetime air conditioning filters, compact fluorescent lights, weather stripping, and water-saving showerheads and faucets, as well as inserting refrigerator and freezer thermometers.

“FPL is proud to partner with the City of Sanford to educate residents on how to reduce their energy use and save on their monthly expenses,” said Larry Volenec, FPL’s external affairs manager. “Our energy-makeover team shared tips and advice on easy, low-cost improvements that can benefit all families throughout the service territory. FPL customers have the lowest electric bills in the state, and these tips will help them continue to save.”

Most of these energy-efficiency upgrades can be adopted by any FPL customer looking to make smarter, cleaner energy choices. Customers can learn about the improvements installed during Home Energy Makeovers by visiting the Energy Savings Toolkit section at http://www.FPL.com/ohes and taking a free, online Home Energy Survey.

About Florida Power & Light Company
Florida Power & Light Company is the largest electric utility in Florida and one of the largest rate-regulated utilities in the United States. FPL serves 4.5 million customer accounts in Florida and is a leading employer in the state with approximately 10,000 employees. The company consistently outperforms national averages for service reliability while customer bills are below the national average. A clean energy leader, FPL has one of the lowest emissions profiles and one of the leading energy efficiency programs among utilities nationwide. FPL is a subsidiary of Juno Beach, Fla. – based NextEra Energy, Inc. (NYSE: NEE). For more information, visit http://www.FPL.com.

Media Contact:
FPL Media Line
Florida Power & Light Company
700 Universe Blvd.
Juno Beach, FL 33408
305-552-3888
amelia.gomez@rbbpr.com
For more information, visit: http://newsroom.fpl.com/SanfordHEMI

Quality Assurance Campaign from Rivet Software Looks to Elevate Financial Reporting

Program Launches With Webinar Addressing The ‘End Of Limited Liability’

Denver, CO, November 20, 2012 – Rivet Software, the premier provider of standards-based business reporting and analytics software, today announced the firm is launching a Quality Assurance Campaign designed to help financial reporting professionals prepare for important changes in the regulatory landscape.

With the last wave of limited liability expiring within a few months, the Rivet campaign is intended to provide SEC reporting professionals fresh insight into the most common errors found in SEC filings and offer guidance on communicating with their investors and submitting correct filings to the Commission.

As a part of the campaign, the firm will be offering a webinar later this month titled ‘The End of Limited Liability – Are you ready?’ The free webinar, which will be hosted by Phil Mennona, Rivet’s XBRL Compliance Manager, will feature special guest Campbell Pryde, CEO of XBRL US. The program will speak to the three things reporting professionals need to know to ensure the quality of their XBRL data.

According to Rivet, since the XBRL mandate went in effect 3 years ago, the external financial reporting industry has seen close to 9,000 public companies file over 50,000 XBRL submissions. Mike Rohan, Rivet’s CEO and Co-founder, says a review of those filings uncovered over 760,000 data quality issues that will result in inaccuracies.

“With the last wave of limited liability expiring in just nine months, financial reporting professionals owe it to themselves, their shareholders, and their management to perform thorough, repeatable data quality checks on their XBRL financials every time,” says Mr. Rohan. “The stakes will doubtlessly raise.”

The ‘End of Limited Liability – Are you ready?’ webinar is scheduled for November 28th, from 1:30 PM – 2:30 PM ET. For more information, or to register for the webinar, reporting professionals are encouraged to visit www.rivetsoftware.com/the-end-of-limited-liability-are-you-ready.com.

About Rivet Software:
Rivet Software provides financial reporting systems that improve the way companies create and consume financial data. Founded in 2003 by software and accounting industry veterans, Rivet’s mission remains to revolutionize global financial communications by enabling financial transparency and leveraging global standards. Headquartered in Denver, CO, the firm employs the most experienced XBRL and financial reporting staff in the industry. Rivet was honored in 2011 and 2012 as an Inc. 500 company. For more information, visit www.rivetsoftware.com.

Contact:
Dan Mahoney
Communications Strategy Group
3225 East 2nd Avenue
Denver, CO 80206
970.405.8060
dmahoney@csg-pr.com
http://www.csg-pr.com