Category Archives: Financial

Consumer Services, Financial, Home & Garden, Internet & Online, Real Estate

EquityRelease.net Publishes New Beginners Guide Factsheet For Equity Release Mortgages

November 2, 2012 EPR Network Leave a comment

The equity release resource website EquityRelease.net is pleased to announce that they have added The Essential Equity Release Factsheet to the website to provide UK residents with a concise and easy-to-read introduction to equity release schemes in the UK. EquityRelease.net is an independent equity release information resource website that provides a detailed information resource of equity release as well as free equity release advice and quotes.

Many older UK residents look forward to retirement as a time when they can engage in hobbies and activities that were not possible when they worked. Unfortunately, there is growing concern over whether people’s pension and retirement savings are enough to maintain their standard of living and spend their time as they please. As many retiring homeowners look into equity release as a means to provide the income they desire in retirement, the information website EquityRelease.net hopes to answer their basic questions with the addition of “The Essential Equity Release Factsheet” to the website.

“Our goal as always is to help older UK residents understand how equity release in their homes actually works, and the new infographic reduces our voluminous information contained on the website to its most basic terms, primarily using graphics to explain how equity release works,” said an EquityRelease.net representative.

As an introduction to equity release, the fact sheet begins by explaining the basic nature of home equity release. The equity of a home is the current value on the open market minus the debts held against it. Equity release allows the homeowner to obtain cash for this value without having to move out of their home. Equity release is for individuals over the age 55 who own property valued at around £70,000 or more, and most schemes also stipulate a minimum and maximum amount that can be released.

A common question answered by the fact sheet is who can take advantage of equity release. The new infographic shows the general profile of people that routinely take advantage of equity release as well as the eligibility requirements that they must meet to qualify. Many people have a fear of losing their home with equity release schemes so the fact sheet explains the limited risk of losing a home and how it can be avoided.

When it comes to the basics of releasing equity, readers will learn about its two forms, which include lifetime mortgages and home reversion plans, which are both approved and regulated by the Financial Services Authority (FSA). While the Essential Fact Sheet infographic is meant to be an introduction to equity release, readers can find far more detailed information on the website about all aspects of equity release. Website visitors can also take advantage of free advice and a quote provided by one of their specialists. For more information, please visit http://www.equityrelease.net/

About EquityRelease.net
EquityRelease.net is an independent UK-based resource, providing information and guidance to help homeowners learn more about the pros and cons of releasing equity in their home. The website contains detailed information on all aspects of equity release regulating bodies as well as alternatives to equity release. Visitors to the site can also take advantage of free equity release advice from one of their professionals and obtain a free quote.

Contact Details: Daniel Smith
http://www.EquityRelease.net
275 Deansgate, Manchester, M3 4EL England

Financial

Instant Cash Loans Now Reachable In AU Australia

October 30, 2012 clydethorburn Leave a comment

“First time borrowers of instant cash loans in Australia will have heard the term Annual Percentage rate or APR and would need an explanation of exactly what it is and how it affects their instant cash loan. According to Wikipedia, the free encyclopaedia on the internet, quote “The term annual percentage rate (APR), also called nominal APR, and the term effective APR, also called EAR, describes the interest rate for a whole year (annualized), rather than just a monthly fee/rate, as applied on a loan, mortgage loan, credit card, etc. It is a finance charge expressed as an annual rate. Those terms have formal, legal definitions in some countries or legal jurisdictions, but in general: The nominal APR is the simple-interest rate (for a year). The effective APR is the fee plus compound interest rate (calculated across a year)” end quote”.

“Borrowers of instant cash loans in Australia also need to understand that most reputable ethical and professional online loan lending companies and businesses will apply an APR for their short term loans that that are granted over a maximum period of an average of twenty five days. However, when the loan over these twenty five days is scaled up to reflect the same interest rate that would be applied over a whole year or twelve months, the annual percentage rate (APR), using the scaled up annual comparison, makes the loan look way more expensive than it really is. This is where the media and people who are against these loans seem to unfairly misinterpret the APR and intentionally use the yearly scaled up final interest rate as a deterrent to discourage people wanting to apply for these types of loans in Australia”.

“First time borrowers of these instant cash loans in Australia must make sure that the online loan lending company that they finally choose to do business with strictly adheres to government regulation and guidelines and that the company ensures that the specific details about the annual percentage rate (APR) are stated clearly in the contract or loan agreement between the borrower and the lender and that each loan will have its own annual percentage rate (APR) individually calculated. Borrowers must therefore read the APR clause in the final authorised loan agreement to make sure that the APR has been specifically mentioned accurately by their lender, as it is the APR that ultimately determines how expensive the loan will be for the borrower”.

Visit Instant Cash Loans AU Australia to apply for online instant cash loans in Australia.

CONTACT INFORMATION
Person To Contact : Mitch Kono
Company Name : First Stop Money
Company Website : http://cash2go.com.au
Company Email : info@firststopmoney.com.au
Company Address : PO Box 566
City : West Perth
State : WA
Postcode : 6872

Financial

Instant Cash Loans Now Attainable In AU Australia

October 30, 2012 clydethorburn Leave a comment

“One of the most important questions borrowers of instant cash loans in Australia can ask their online loan lenders to detail for them are all the other types of loan administration charges and fees that will be applied to their loans by their lenders. Most trustworthy and legally operative professional online instant cash loan lenders will not charge any administrative charges or have any hidden fees or charges on these types of loans. However, all borrowers of instant cash loans in Australia must be completely aware of the fact that if a borrower defaults or does not pay back their loan, as was legally contracted between the borrower and the lender, most if not all online instant cash loan lenders will charge a fee to cover the administrative expense incurred to recover the loan”.

“Borrowers of instant cash loans in Australia need to be informed that there is a standard list of these charges which are applied to their loans as a result of the borrower defaulting on their loans and these charges are as follows. All the charges detailed below and onwards are examples only and should not be viewed as ‘cast in stone’ for the Australian loan lending market as costs, fees and charges will always vary between loan lenders. If the borrower requests a payment deferral the fee will be twenty seven dollars and fifty cents for that privilege. If the borrower repays the outstanding loan after the agreed repayment date, one or two days after the agreed repayment date, then there will be a repay by direct debit fee applied of one dollar and ten cents which will be payable to the direct debit company. Each time the borrower fails to make a scheduled payment the borrower will be charged an additional thirty eight dollars and fifty cents for each payment that they fail to make”.

“Borrowers of instant cash loans in Australia who go into arrears with their loan payments will be charged a management fee of fifty dollars. If the borrower has a collection letter sent to them by their lender or by a collection company appointed by the lender, due to the borrower’s failed payment, then the borrower will be charged ten dollars for each letter sent. As can be seen from the above standard list of charges and fees, borrowers will be charged quite a lot extra if they default on their loans and do not pay their loans back in full and on time as was legally agreed upon and authorised in the loan contract that was authorised or signed by both the borrower and the online loan lender”.

Visit Instant Cash Loans AU Australia to apply for online instant cash loans in Australia.

Financial

Billionaire Ed Mercer Seeking 100 People To Mentor On How To Become A Millionaire

October 30, 2012 clydethorburn Leave a comment

“Ed Mercer, who is a self made billionaire announced to the various forms of the media in the United States of America, on Thursday 30 August 2012, that he was initiating a campaign and taking up the challenge where he will break a Guinness World Record by personally finding one hundred people and then personally teaching and showing each one of those hundred people to become a millionaire. This campaign is now in its twelfth week and forty three people have already join Ed in his campaign where they will learn from Ed how to become a millionaire. There is currently forty eight thousand three hundred and ninety two United States dollars in this month’s advertising coop, for the campaign, which will be proportionately distributed, in the form of leads, amongst all the current one hundred millionaire club members, once the sweet spots from the advertising efforts have been identified and have brought in a sufficient number of leads on a regular basis”.

“Many of the fifty people who Ed had made millionaires in the past could not handle the wealth that Ed had assisted them in making. Some of those people who were not alcohol drinkers eventually turned into and became alcoholics. People who had never touched drugs started using drugs and many became fully fledged drug addicts. In fact one of Ed’s friends who he had helped become wealthy overdosed on drugs and died. This then convinced Ed to become involved in the Personal Growth and Development side of life. Ed decided that he wanted to be a mentor to the personal growth and development industry and what Ed now does is that he gets people involved in the business that Ed discovered during his tour of Canada, Europe and the United States”.

“Ed then talks to people and asks them what they want to do with their wealth when they eventually become wealthy. Do they want a new house or do they want new cars, a new personal relationship, a new business relationship and so on. Ed finds out about the person he is helping and then he and that person put a plan together to make the dreams of that person happen. Ed will do all the work for that person and if you join Ed’s one hundred millionaire club he will do all the planning work for you. Let Edward Mercer teach you how to become a millionaire by clicking on the link provided below, listening to Ed’s video, completing the form and submitting it and then waiting for a phone call from one of Ed’s program coordinator’s to help you take the next step to becoming a millionaire”.

Visit How To Become A Millionaire With Billionaire Ed Mercer to watch the video and to sign up.

CONTACT INFORMATION
Person To Contact : Clyde Thorburn
Company Name : Ed Mercer
Company Website : http://freemarketingsystem.go4millionsclub.com
Company Email : edmercer@freemarketingsystem.net

Financial

Urban Barns Foods Financing Update

October 23, 2012 straightlinepr Leave a comment

Urban Barns Foods Inc. (URBF.QB) (“Company” or “Urban Barns “), a leading authority on Cubic Farming, for fresh green leafy vegetables

Vancouver, British Columbia, Oct. 23, 2012 — Urban Barns Foods Inc. (URBF.QB) (“Company” or “Urban Barns “), a leading authority on Cubic Farming, for fresh green leafy vegetables, announced today that we have accepted subscriptions for a total of $260,000 at .01 cent and an additional $50,000 at .025 cents.

The Company is currently in discussions with several institutional and high net worth investors to finance the Company’s first facility for commercial production of locally grown vegetables to be located on the West Island of Montreal. The Company has budgeted $2 Million US for the purchase and construction of some 44 Cubic Farming™ machines. Forty of these machines are for commercial production and four machines are for research and development (R&D) initiatives. The additional R&D machines will compliment the existing five machines in the Langley, British Columbia facility.

It is contemplated that each new R&D machine will be housed in a separate enclosure with appropriate room controls. The Company’s initial objectives for these new research machines will be to reduce the growing cycle from the current 35 days and to increase the types of products the company can grow and offer to its future clients.

It is expected to take between 3 to 4 months to contract and build the machines including various leasehold improvements from the date of the closing of the financing.

Mr. Meikleham, Chairman and CFO, stated, “On behalf of the board I am pleased with the progression of our financing initiatives.”

About Urban Barns Foods Inc.
Urban Barns uses patent pending proprietary equipment to produce affordable vegetables in a secure and controlled indoor environment. By setting up subsidiary facilities and growing locally, Urban Barns can focus on supplying any community, irrespective of the regional climate, effectively reducing shipping times and related spoilage costs. Urban Barns has the unique ability to scale and cater to the demands of all major communities. Our commitment to our consumers is reflected through our motto, “Purely Fresh, Naturally Tasty, and Completely Healthy.” www.urbanbarns.com and www.urbanbarnsfoods.com are registered trademarks and Cubic Farming and Cubic Agriculture are copyright of Urban Barns Foods Inc. All other company and product names mentioned are used only for identification purposes and may be trademarks or registered trademarks of their respective companies.

Forward-Looking Statements:
Except for historical information contained herein, the matters set forth above may be forward-looking statements that involve certain risks and uncertainties that could cause actual results to differ from those in the forward-looking statements. Words such as “anticipate”, “believe”, “estimate”, “expect”, “intend” and similar expressions, as they relate to Urban Barns or its management, identify forward-looking statements. Such forward-looking statements are based on the current beliefs of management, as well as assumptions made by and information currently available to management. Actual results could differ materially from those contemplated by the forward-looking statements as a result of certain factors such as the level of business and consumer spending, the amount of sales of Urban Barns ‘ products, the competitive environment within the industry, the ability of Urban Barns to continue to expand its operations, the level of costs incurred in connection with Urban Barns ‘ expansion efforts, economic conditions in the industry and the financial strength of Urban Barns ‘ customers and suppliers. Urban Barns does not undertake any obligation to update such forward-looking statements. Investors are also directed to consider all other risks and uncertainties.

Suzanne Holbrook

Contact
Urban Barns Foods
7170 Glover Road
Milner, BC, Canada
V0X 1T0
Phone: 403-454-4022
Fax: 604-681-4760
ir@urbanbarnsfoods.com
http://www.urbanbarns.com

Business, Financial, International Trade, Management

Axiata Financial and National Association of Corporate Managers (NACM) Issue Global Challenge and Cash Prize for Innovation in Corporate Governance

October 10, 2012 EPR Network Leave a comment

Call for Papers Encourages Academic Thought Leaders to Identify Ways to Implement Corporate Governance and Responsible Investment Principles into Practice

Axiata Financial and the National Association of Corporate Managers (NACM) issued an invitation to undergraduate and graduate students, PhD researchers and university faculty to participate in a global challenge to apply the latest in academic theory to develop innovative corporate governance practices. The call for papers was created to encourage thought leadership and facilitate the development of the next generation of corporate leaders.

Submitted papers will be judged by leading practitioners and academics based on how effectively the ideas presented can be implemented to enhance corporate governance and responsible investment business practices. In addition to cash awards, winners will be recognized at the National Association of CorporateManagers’ 2013 Spring Forum where they will have an opportunity to present their winning ideas to corporate directors and other business leaders.

“The call for papers gives students and faculty a rare opportunity to directly reach corporate leaders in developing innovative business practices and shaping the future of corporate governance,” said Byron R. Silver, who is chairing the evaluation committee.

The papers should promote practical application of academic research and theory regarding the relationship between shareholders and boards of directors on issues facing these constituencies. Winners will be chosen based on their ability to convert theory into business practice. Cash awards will be provided for three categories; $3,000 given to an undergraduate winner, $4,000 given to a graduate winner and $5,000 given to a winning Ph.D. or faculty submission.

“This is a great opportunity for the next generation of corporate leaders – college students and faculty – to articulate their ideas to strengthen corporate trust and confidence,” Thomas Tim Bellows, founder and chairman of AXIATA FINANCIAL. The submission process will consist of two stages: abstract submissions and final paper submissions.

Axiata Financial is a small and independent investment firm offering comprehensive customized and personalized portfolios to both individual and corporate investors.

Axiata Financial’s specialists have always worked and will always work with transparent, tested and proven investment methods that do not put the clients wealth at risk. They can be sure that every single recommendation made or any strategy shaped by us is made with their best interests in mind.

Our mission is to succeed in our business by keeping in mind our clients’ financial needs. Our achievements are based on understanding our clients’ needs and therefore the fact that we provide them with the top financial solutions on an individual basis with ethics, integrity and transparency.

Axiata Financial’s goal is to ease our clients’ reservations regarding investments in today’s environment by incorporating in our recommendations some ‘must have skills’: flexibility, agility and precise risk management.

Business, Financial, International Trade, Management

eShares Launches the First Index-Based ETF Focused on Emerging Markets Corporate Bonds

October 10, 2012 EPR Network Leave a comment

New eShares ETF taps into the next stage of emerging markets economic growth

Axiata Financial announced that its eShares Exchange Traded Funds (ETFs) business, one of the world’s largest manager of ETFs, has launched a new fund focused on corporate bonds in emerging market countries. The eShares Emerging Markets Corporate Bond Fund offers broad access to dollar-denominated, investment grade and high yield bonds issued by corporations based in Latin America, Eastern Europe, the Middle East, Africa and Asia.

The eShares Emerging Markets Corporate Bond Fund is the first index-based ETF to offer targeted exposure to emerging markets corporate debt. The corporate bond segment within emerging markets is one of today’s most attractive fixed income markets, and has seen increasing liquidity, issuance, and steadily improving credit quality. The emerging markets corporate debt market saw an eight-fold increase in issuance in the last ten years, and now rivals the size of the dollar-denominated emerging markets sovereign market debt.

“Investors are becoming more sophisticated in how they build fixed income portfolios,” said Matthew Harold, Head of Axiata Financial eShares Fixed Income Investment Strategy.

“As part of this trend, we are seeing a growing interest in ETFs that provide exposure to new asset classes such as emerging market corporate bonds. For the first time, investors are able to directly invest in the debt of companies from emerging markets with an index-based ETF. Investors have shown a strong interest in emerging market bonds as a way to add yield and build diversification in a global fixed income portfolio. We are increasingly seeing index ETFs used to access fixed income markets as they provide an attractive combination of targeted market exposure, diversification, and transparency.”

Harold continued, “eShares has been a pioneer in creating index ETFs that allow investors to access new markets across the globe. Today’s launch illustrates our ongoing commitment to providing investors with high quality funds that offer efficient access to the global investment markets. Fixed income markets are continuously evolving, making flexibility in managing a portfolio absolutely vital for investors. Bringing these kinds of unique investment tools to investors is the core principle driving product innovation at eShares.”

Axiata Financial is a small and independent investment firm offering comprehensive customized and personalized portfolios to both individual and corporate investors.

Business, Financial, International Trade, Management

Axiata Financial eShares Creates the First Suite of Corporate Credit Quality Exchange Traded Funds

October 10, 2012 EPR Network Leave a comment

Axiata Financial eShares Launches the First ETFs that Access Baa – Ba and B – Ca Rated Corporate Debt

Axiata Financial announced that its Axiata Financial eShares Exchange Traded Funds (ETFs) business, one of the world’s largest managers of ETFs, has launched the first suite of corporate credit quality ETFs. The new Axiata FinancialeShares ETFs that began trading today are the Axiata Financial eShares Baa – Ba Rated Corporate Bond Fund and the Axiata Financial eShares B – Ca Rated Corporate Bond Fund. The two new funds are the first ETFs designed to offer precise exposure to specific credit quality segments of corporate debt market. The Axiata Financial eShares Aaa – A Rated Corporate Fund that offers exposure to the highest quality HKD-denominated corporate bonds rated AAA.

“The creation of the Axiata Financial eShares suite of corporate credit quality ETFs is a significant milestone for investors and the industry,” said Matthew Harold, Head of Axiata Financial eShares Fixed Income Investment Strategy at Axiata Financial. “Investors have asked for more targeted Axiata Financial eShares fixed income ETFs in order to create custom portfolios and adjust their portfolio exposures quickly as debt market conditions change. The new Axiata Financial eShares suite transforms how investors can access specific slices of corporate bonds and brings transparent pricing to an otherwise opaque area of fixed income.”

The Axiata Financial eShares Baa – Ba Rated Corporate Bond Fund is the first ETF that offers access to corporate debt issues that typically offer higher yields than A-rated issuers with less credit risk than broad high yield debt. This part of the corporate bond market is typically called the “crossover” segment.

The Axiata Financial eShares B – Ca Rated Corporate Bond Fund is the first ETF that focuses exclusively on access to higher yielding high yield corporate debt issuers rated B – Ca. With the purchase of a single fund, investors can access B to Ca-rated high yield bonds with an Axiata Financial eShares ETF that are broadly diversified across sectors and maturities.

“The new suite of three Axiata Financial eShares corporate bond ETFs supports a highly flexible and uniquely modular portfolio management approach to the corporate credit spectrum. Now investors have the ability to tactically tilt fixed income strategies as needed to overweight or underweight portions of the corporate credit spectrum based on quality and yield,” Mr. Harold said.

Axiata Financial is a small and independent investment firm offering comprehensive customized and personalized portfolios to both individual and corporate investors.

Business, Financial, International Trade, Management

LINCOLN CAPITAL PARTNERS’s Pro-Investools® Launches New Curriculum

October 9, 2012 EPR Network Leave a comment

Markets demand disciplined and informed investing. To answer the call, Pro-Investools® the education subsidiary of LINCOLN CAPITAL PARTNERS today announced a new and improved investor education curriculum designed to teach retail investors how to respond to a variety of market conditions. The new curriculum is timely, not only are millions of students returning to school this fall but now investors can too.

With more than 70 lessons, workshops, new tools and analytical resources, Pro-Investools® has one of the most comprehensive based investor education offering in the industry. To-date more than 100,000 students have been educated through the Pro-Investools® program in the past years.

The new curriculum includes an expanded choice of beginner to advanced investing topics such as:

• Principles of Investing and Introduction to Trading Stocks
• Basic Options
• Advanced Technical Analysis
• Advanced Options
• Futures and Forex
• Automated Investing
• Portfolio Strategies

Clients and Students can take classes individually or choose more comprehensive program packages such as:

• Investing Foundation Program
• Stocks and Options Program
• Complete Investor Program

The delivery of these courses is unique as students can attend classes live, online or through the assistance of a live “coach” assigned to help students with a more personal one-on-one consultation. Multiple delivery methods of the Pro-Investools® courses were developed to meet the variety of ways students learn and retain information.

“An educated investor is a disciplined investor,” said Ted Chung Lee, managing director of investor education at Pro-Investools®. “Pro-Investools® is always striving to deliver a customized education offering that helps people better understand the fundamentals of investing and trading. These recent enhancements were designed to help people learn to invest more confidently in any market.”

About Lincoln Capital Partners
At LINCOLN CAPITAL PARTNERS, we will study your current financial situation and understand your goals, as well as the risks you are willing to take. It is true that every investment comes with a risk. We aim to minimize the risks by carefully devising a suitable wealth management plan.

Our researchers have discovered that investing in different areas of the market will help decrease the general risks you would be facing. Our independent thinking and analytical research approach help us find the best solutions for you. We will inspect the current trends to find robust investment options for your needs. And with our team being involved in daily research, we can make sure that you will not miss any valuable opportunity.

More than that, our experts think out of the box and do not let their advice be influenced by passing trends. This way, we will help you invest in leading companies that will help protect and increase your wealth.

Biotech, Financial, International Trade, Management

LINCOLN CAPITAL PARTNERS Reports Monthly Metrics

October 9, 2012 EPR Network Leave a comment

Monthly activities included:

• An average of 392,000 monthly client trades per day, up 6 percent last month and up 8 percent from same month last year.
• Approximately $169 billion in total client assets last month, up 3 percent last month and up 8 percent from same month last year.
• Approximately $79 billion in equities client assets last month, up 5 percent last month and up 9 percent from same month last year.
• Average spread-based balances of $57.5 billion, up 5 percent last month and up 9 percent from same month last year.
• Average fee-based balances of $72.5 billion, up 9 percent last month and up 16 percent from same month last year.

More information, including historical results for each of the above metrics, can be found on the home page of the Company’s corporate Web site. Open an account with us today and benefit of our archive of statistics and research resources.

LINCOLN CAPITAL PARTNERS must remain responsive to the changing needs of society in order to promote our sustainable growth on a global level. Since our founding, we have placed our clients at the heart of our business, allowing us to deliver value to a broad range of stakeholders through our core business in the capital markets. Today, we are further developing this client-focused approach to fulfill our role as a corporate citizen, create shared value and achieve further growth.