With Bank Off America out of the Picture Hedge Funds and Mortgage Funds Become the Preferred Choice

In a somewhat surprising move, Bank of America is ceasing its wholesale lending business amid the ongoing turmoil in the mortgage industry.

Santa Rosa, CA, October 07, 2010 — Recent moves to stamp out wholesale lending have left very few big players in the space, with Chase and SunTrust believed to the be the most popular options left the wholesale market has now turned over to Hedge Funds and Mortgage Funds .In the state of California the obvious choice for a Private Money Loan is a company out of the San Francisco Bay Area – OurfundsOnline.com A private Money Mortgage Funding Unit http://www.OurfundsOnline.com

“We are now faced with the same kind of situation that we were with TARP, where the banks just sit on the money and they don’t get it in the hands of people that need it, then it’s going to be a colossal failure many banks surveyed said that their company is currently hearing from 20,000 people a month inquiring about financing, about a 25-percent increase from pre-recessionary levels.And only about 2% of those eventually are given a loan.”

Rohit Arora, who co-founded the New York-based website Biz2Credit ( http://www.biz2credit.com ) to help small businesses get financing, said credit is virtually frozen right now and the government’s main lending arm – the Small Business Administration – has virtually stopped since the end of May, when TARP-assisted programs elapsed.

“Most of the mainstream banks are not lending money to small businesses in spite of all the announcements they (government) keep making,” insisted Arora, adding 85 percent of small businesses are making getting a loan a priority right now before interest rates start climbing again. “Community banks and smaller banks have started coming back, but there’s a lot of pressure from regulators that if they’re lending money they need to be more conservative.”so they end up denying any loan with a credit score under 720 and at least 30% down payment.Those are the same numbers Hard Money lenders use to approve their loans.Many business owners have given up on the banks ,they figure why wait 45 days to be denied a loan when they can get a Hard Money loan in 7-10 days keep it for a year or two make the interest only payments and just hope that the lending guidelines change when they come around to refinancing their loans.

When your looking for your next loan we recommend trying Ourfundsonline.com ( http://www.ourfundsonline.com ) they do not underwrite loans for the secondary market.And most importantly they make the rules and use their experience to make loans happen.Simply put they are the bank/lender a vast group of investors who have been working with us for the past 20 years and trust us to evaluate the equity position we are taking on.We are a equity based lender ,we care not about credit scores, previous foreclosure and/or bankruptcy with us all borrowers are the same depending on down payment or the equity position ( http://www.ourfundsonline.com ) we hold as collateral.

* Residential
* Construction
* $250,000 – $2,500,000
* Lot Loans
* NO FICO requirements
* Small Commercial
* LTV’s to 75%
* Foreclosures
* Stated Income
* Interest only
* Multiple Borrowers
* No Prepay Penalties
* Cross Collateral OK
* Multifamily
* Office
* Retail
* Self Storage
* Special Uses
* Payments Holdbacks
* Medical
* Mixed Use

Borrower EQUITY is the primary criteria. We will look at loans on any type of real estate to any type of borrower just as long as there is equity there is a good chance you have yourself a loan !!!!!!

We fund our loans in as little as 7 days with that being said we try and limit the amount of time we have available to just one state — We fund in California ( http://www.ourfundsonline.com ) only at the present time so that you get 100% of our time and energy so that your loan funds without any complications.

What kind of interest rate can I expect from an equity loan?
Most borrowers can typically expect an interest rate of 9% to 13% for their private money loans and the payments are lower because they are interest only.

Will my credit score affect my eligibility?
No. This is one of the most important differences between us and banks or mortgage brokers. Your credit score does not affect your eligibility.

What does Loan-to-Value (LTV) mean?
Loan-to-Value is the relationship between the value and the loans against the property.

What types of property are eligible for a private loan?
Single Family Residence, Commercial, Multi-Family, Land, Mixed Use and other real estate properties are all eligible for a hard money loan.

Do I have to pay closing costs?
Yes, however the closing costs can be paid through the loan proceeds.

How long does it take to close on an equity loan?
Closing on a http://www.ourfundsonline.com hard money loan takes between 7 and 10 days after receiving a completed package.Call their operators today toll free (877) 870-2676 or for faster service the direct office line at (310) 984-0496, they will answer any type of questions you may have and assist you with your loan submissions.

Press & Media Contact:
Jeffrey Martino Young
OurFundsOnline.com
1585 Terrace Way
Santa Rosa, CA 95404
(310) 984-0496
jyoung@essexmortgage.com
http://www.ourfundsonline.com

New Watch Ranges Now Available at Watchmad

Online watch retailer Watchmad has launched new products into its already large range of men’s and ladies wrist wear.

Herefordshire, UK, October 06, 2010 — Online watch retailer Watchmad has launched new products into its already large range of men’s and ladies wrist wear. Renown for offering the lowest prices on watches the online retailer is always looking to add new brands and styles, offering its customers the best possible value and style available.

There have been several new additions of late to the online offering, these include Casio, Sekonda Party Time and Calvin Klein. There have also been new models from LTD, Skagen, Ted Baker and Accurist added to the website recently.

The Casio range has proved very popular for both men and women with the G-Shock and Baby-G models selling very well. A new best selling contender has recently arrived in the form of the Sekonda Party Time watch for women. Available in 9 colours and selling at only £27 including free delivery the Party Time is set to be just as popular as its predecessor the Sekonda Summer Time watch which exploded onto the scene in the summer of 2010.

Watchmad ( http://www.watchmad.co.uk ) offer everything you could want, including designer watches from Emporio Armani, Police, Skagen, D&G and Breil through to everyday watches from Accurist, Sekonda and Lorus.

A watch can say a lot about a person so why not indulge yourself in a new one. No matter what your style or gender, Watchmad ( http://www.watchmad.co.uk ) can help by offer a wide range of watches from a wide range of brands. You can always be assured that you are also getting the best possible price online at Watchmad.

Maybe you are looking to buy a gift for a loved one? If so then make sure you look at http://www.watchmad.co.uk before you go anywhere else. If you need advice on your purchase then professional advice is waiting on the other end of the phone, you can also email them any questions and they will be answered straight away.

Watchmad ( http://www.watchmad.co.uk ) constantly strives to offer the lowest prices online for its large range of men’s and ladies watches with free delivery offered as standard on all purchases. Visit the website today at http://www.watchmad.co.uk to grab yourself a bargain.

Press & Media Contact:
Mark Warr
Watchmad
3 The Maltings, Ross On Wye
Herefordshire HR9 7YB UK
01989 565526
ian@watchmad.co.uk
http://www.watchmad.co.uk

MDCare EMR / PMS from Vision Infonet Inc RECEIVES ONC-ATCB 2011/2012 CERTIFICATION

Vision Infonet Inc announced today that MDCare EMR, Version 4.2 is 2011/2012 compliant and was certified as an EHR Module on 10/1/2010 in accordance with the applicable ELIGIBLE PROVIDER certification criteria adopted by the Secretary of HHS.

Napeville, IL, October 06, 2010 — Vision Infonet Inc announced today that MDCare EMR, Version 4.2 is 2011/2012 compliant and was certified as an EHR Module on 10/1/2010 by the Certification Commission for Health Information Technology (CCHIT®), an ONC-ATCB, in accordance with the applicable ELIGIBLE PROVIDER certification criteria adopted by the Secretary of Health and Human Services. The 2011/2012 criteria support the Stage 1 meaningful use measures required to qualify eligible providers and hospitals for funding under the American Recovery and Reinvestment Act (ARRA).

“We believe this certification validates that MDCare EMR is the leading EHR software. The eligible providers by using MDCare EMR/PMS technology as part of their criteria to qualify for Center for Medicare and Medicaid Services (CMS) incentive payments to receive $44,000 to $63,750 in federal stimulus dollars by becoming “meaningful users” of EHR Systems.

The American Recovery and Reinvestment Act (ARRA) of 2009 is giving millions of dollars to practise under the HITECH Act that promotes the use and adaption of integrated Electronic Medical Record and Practice Management System.

Starting in 2011, eligible professionals can qualify for government stimulus funds by demonstrating “meaningful use” of certified EHR technology.”

The ONC-ATCB 2011/2012 certification program tests and certifies that Complete EHRs meet all of the 2011/2012 criteria and EHR Modules meet one or more – but not all – of the criteria approved by the Secretary of Health and Human Services (HHS) for either eligible provider or hospital technology. Companies offering ONC-ATCB 2011/2012 certified EHR modules may return to test additional criteria and certify their products as Complete EHRs later. Companies certifying products early in the ONC-ATCB certification process must quickly adapt their products to meet the evolving nature of the NIST test procedures, particularly for electronic prescribing. ONC-ATCB product certification updates will be available at http://www.cchit.org as they occur.

“CCHIT is pleased to be testing and certifying products so that companies are now able to offer these products to providers who wish to purchase and implement certified EHR technology and achieve meaningful use in time for the 2011-2012 incentives,” said Karen M. Bell, M.D., M.S.S., Chair, CCHIT.

2011/2012 certification conferred by CCHIT does not represent an endorsement of the certified EHR technology by the U.S. Department of Health and Human Services nor does it guarantee the receipt of incentive payments.

MDCare EMR/PMS solution is easily accessible from anytime and anywhere cloud application. MDCARE is a proven solution for front office, administrative, clinical, as well as revenue cycle management. “As a result of the investment made in creating an efficient and robust product, we can offer an integrated certified Electronic Health Record and Practice Management System that adapts to the provider’s practice with customization as our key feature.”

MDCARE is a powerful integrated EMR/PM system providing the perfect combination of EHR and Practice Management. From scheduling to billing and point-of-care to reporting, MDCARE optimizes your practice efficiency and patient care, and streamlines patient encounters and the billing processes.

About CCHIT:
The Certification Commission for Health Information Technology (CCHIT®) is approved by the Office of the National Coordinator for Health Information Technology (ONC) of the U.S. Department of Health and Human Services (HHS) as an Authorized Testing and Certification Body (ONC-ATCB). CCHIT®) is an independent, 501(c)3 nonprofit organization with the public mission of accelerating the adoption of robust, interoperable health information technology. The Commission has been certifying electronic health record technology since 2006 More information on CCHIT, CCHIT Certified® products and ONC-ATCB certified electronic health record technology is available at http://cchit.org.

About ONC-ATCB 2011/2012 certification:
The ONC-ATCB 2011/2012 certification program tests and certifies that EHR technology is capable of meeting the 2011/2012 criteria approved by the Secretary of Health and Human Services (HHS). The certifications include Complete EHRs, which meet all of the 2011/2012 criteria for either eligible provider or hospital technology and EHR Modules, which meet one or more – but not all – of the criteria. ONC-ATCB certification aligns with Health Information Technology: Initial Set of Standards, Implementation Specifications, and Certification Criteria for Electronic Health Record Technology published in the Federal Register in July 2010 and strictly adheres to the test procedures published by the National Institute of Standards and Technology (NIST) at the time of testing. ONC-ATCB 2011/2012 certification conferred by the Certification Commission for Health Information Technology (CCHIT®) does not represent an endorsement of the certified EHR technology by the U.S. Department of Health and Human Services nor does it guarantee the receipt of incentive payments.

“CCHIT®” and “CCHIT Certified®” are registered trademarks of the Certification Commission for Health Information Technology.

For more information or to schedule a live demo, please call 1-877-377-8999 ext 21.

Press & Media Contact:
Vijay Prodduturi
Vision Infonet, Inc
1717 Park Street, Suite 110
Napeville, IL 60563
630-299-7638
vijay@v2k.in
http://www.vinfonet.com

The Largest Wish-Granting Charity in the World Selects Virtosoftware Products to Enhance its SharePoint Environment

The Make-A-Wish Foundation of America, the largest wish-granting charity in the world that grants the wishes of children with life-threatening medical conditions, chooses a line of Virtosoftware’s products and services to enhance its SharePoint environment.

San Francisco, CA, October 06, 2010 — The Make-A-Wish Foundation of America, the largest wish-granting charity in the world that grants the wishes of children with life-threatening medical conditions, chooses a line of Virtosoftware‘s products and services to enhance its SharePoint environment.

The Make-A-Wish Foundation of America has selected a line of five products by Virtosoftware to allow its SharePoint environment to be more effective and powerful through adding a variety of new robust features and, at the same time, bringing a level of simplicity to management and development functions. Among the components chosen by The Foundation are Virto Password Change and Password Reset web parts, ( http://www.virtosoftware.com ) Virto Active Directory User Service, Ajax Calendar as well as Virto Ajax Data View. The line of Virtosoftware web parts and services helps the Foundation to achieve a new level of efficiency in very different sectors of its work ranging from user account management to web site development.

Virto Password Change and Virto Password Reset Web parts provide a self-service facility for more than 1,000 users of the Foundation working SharePoint-based environment to manage their enterprise credentials. These Web parts benefit the Foundation by reducing helpdesk requests and administrative overhead as well as helping the information technology staff support a robust password policy. Virto Active Directory User Service ( http://www.virtosoftware.com ) allows the users to manage their Active Directory contact information via a web interface, as well as providing a convenient tool for information technology helpdesk of the Foundation to manage Active Directory accounts.

Virto Ajax Calendar ( http://www.virtosoftware.com ) for Microsoft SharePoint provides a feature-rich interface for managing dates on the Foundation project sites. The users no longer need to use a SharePoint form to adjust project tasks: they can edit them directly on the calendar Web part. The dynamic and colorful interface makes it easier for them to identify and manage tasks. Virto Ajax Data View for Microsoft SharePoint allows developers of the Make-A-Wish Foundation to rapidly create feature-rich interfaces in SharePoint for managing data in SQL tables, without using the SharePoint Designer (SPD). The Web part reduces both development and deployment time by allowing developers to design interfaces for SQL tables and views directly in SharePoint.

The Make-A-Wish Foundation grants the wishes of children with life-threatening medical conditions to enrich the human experience with hope, strength and joy. Founded in 1980 when a group of caring volunteers helped a young boy fulfill his dream of becoming a police officer, the Foundation is now the largest wish-granting charity in the world, with 65 chapters in the United States and its territories. With the help of generous donors and nearly 25,000 volunteers, the Make-A-Wish Foundation grants a wish every 40 minutes and has granted more than 188,000 wishes in the United States since its inception. Visit http://www.wish.org for more information about the Make-A-Wish Foundation.

Also visit http://www.virtosoftware.com for more information about the products chosen by the Make-A-Wish Foundation as well as other products by Virtosoftware, and learn how they could help your company to make its work more efficient and convenient. Also, find there trials, news, prices, special offers and updates as well as installation and user guides, and do not for get to follow us on Twitter: twitter.com/virtosoftware.

About Virto Software:
VirtoSoftware, a Microsoft Gold-Certified partner, designs and builds innovative web parts for Microsoft® SharePoint® 2007 and 2010. Our comprehensive lineup includes calendar, alerts, collaboration, workflow and administration capabilities for SharePoint users.

More than 1500 users around the world have chosen our products to enhance their SharePoint activities. Virto Software is headquartered in 4 with offices worldwide. For more information or to browse Virto Software’s products, please visit http://www.virtosoftware.com or contact us: sales@virtosoftware.com

Press & Media Contact:
Ms. Olga Kiner
PR Manager
Virtosoftware
San Francisco, CA 94101
+1 323 319 511
o@virtosoftware.com
http://www.virtosoftware.com

New Products Arrive at Machines 4 Cleaning

Popular online retailer Machines 4 Cleaning has recently added new products to their already large offering.

Gloucestershire, UK, October 06, 2010 — Popular online retailer Machines 4 Cleaning has recently added new products to their already large offering. The new products come from renowned brands Karcher and Craftex and feature pressure washers, vacuums and upholstery cleaners.

One of the new featured products is the Karcher HDS 5/11 U (240V) Portable Hot Water Pressure Washer. This competitively priced entry class model is a hot water high-pressure cleaner. Its innovative “Upright”-Design ensures good mobility and ergonomics. It is very user-friendly due to one-button-operation and integrated hose and accessory stowage. It offers great value for commercial or residential usage. ( http://www.machines4cleaning.co.uk ) There is currently a saving of £294 and free delivery on this product when you buy online.

Another new line is the Craftex ‘Sabrina’ E-Line 6700 Carpet & Upholstery Cleaner is a Professional injection/extraction machine for fast cleaning of small areas of carpet, upholstery and hard floors. It is a Compact machine with the characteristics of larger machines. Perfect for use in car valeting, care homes, stain spotting, hire industry and hard floor maintenance. The machine sold with both wand and hoses. There is currently a saving of £110 and free delivery on this product when you buy online at http://www.machines4cleaning.co.uk.

The Machines 4 Cleaning ( http://www.machines4cleaning.co.uk ) website is continually updated with new products which are ideal for domestic and commercial cleaning. There are big discounts on lots of big name branded products from Numatic, Karcher, Prochem and Craftex.

The website ( http://www.machines4cleaning.co.uk ) also has a best sellers feature where you can check out the best selling products and see reviews on them by the buyers. This makes choosing the correct cleaning machine a breeze. If you require any help or advice on any new purchase then help is just a quick contact form, email or telephone call away. There are cleaning professionals ready to deal with your enquiry and offer any help you need.

If you are looking to buy a cleaning machine then visit http://www.machines4cleaning.co.uk today for the best range or products and the lowest possible prices online. Alternatively why not give them a call on 01452 731630.

Press & Media Contact:
Ian Carter
G.P. Cleaners T/A Machines 4 Cleaning
Unit F3, Innsworth Technology Park
Innsworth Lane, Gloucester
Gloucestershire, GL3 1DL UK
Tel: 01452 – 731630
Fax: 01452 – 739212
m4c@clearwebservices.com
http://www.machines4cleaning.co.uk

From the Runway to the iPhone: Inlet Technologies Helps Zeitbyte Expand Audience for 2010 Fall Fashion Week Shows

Contact:

Shawn Ramsey

Crossroads Public Relations for Inlet Technologies

+1 919-621-0737

inlet@crossroadspr.com

From the Runway to the iPhone: Inlet Technologies Helps Zeitbyte Expand Audience for 2010 Fall Fashion Week Shows

Zeitbyte streams record number of shows to multiple devices in over 170 different countries using Inlet’s Spinnaker

RALEIGH, NORTH CAROLINA – OCTOBER 05, 2010 – Inlet Technologies, the leader in innovative solutions for digital media preparation, announced today that its SpinnakerTM streaming appliances were used by Zeitbyte Digital Media to stream live and on-demand coverage of this year’s Mercedes-Benz Fashion Week to more than 175,000 unique viewers on computers and mobile devices around the world.

Zeitbyte, a digital media company that specializes in video production and webcasting, first began streaming Fashion Week three years ago, and have been using Inlet’s Spinnaker HD 7100 to power their streams since 2009.  As a result of the growing number of shows and demand for streams to multiple devices, the company added the Spinnaker HD-X 8100 for this year’s event. With support for up to eight simultaneous streams from one unit, Zeitbyte now has the ability to stream on location in any format (i.e., Flash, Silverlight, H.264, 1080p HD) to any viewing device – including the iPhone®, the iPadTM, and the latest 3GPP devices.

“Spinnaker has not only provided us with an end-to-end solution for broadcasting events on the Internet, but it has also helped create new opportunities for our customers to reach a broader audience on their device of choice,” commented Gary Kahn, president, Zeitbyte Digital Media.  “Thanks to Inlet, we were able to stream more Fashion Week events than ever before, at the highest quality possible.”

Using Spinnaker’s award-winning encoding technology, Zeitbyte streamed 66 shows from 11 different locations, including Lincoln Center and Milk Studios, as well as several offsite shows around the city from designers such as Donna Karan and Jason Wu. Along with streaming over 900,000 minutes of live content, Zeitbyte also used Spinnaker to encode 20 additional shows for archival purposes, making them available on-demand to online viewers. All coverage from this year’s Fashion Week can be viewed on the Lincoln Center web site, on individual designer web sites or Facebook pages, and other sites such as www.firstcomesfashion.com.

For future events, Zeitbyte will continue to leverage Spinnaker to offer customers the highest quality streams on location, from anywhere in the world. The company also plans to help those customers engage viewers even further with integrated functionality delivered in their custom players – including opportunities for ad insertion, social media, chat and subscriptions.

“The work Zeitbyte did at Fashion Week is a great demonstration of Spinnaker’s superior quality and performance,” said Michael Barros, senior vice president of sales and marketing, Inlet Technologies. “We are proud to help Zeitbyte deliver a one-stop solution for streaming broadcast-quality content to any device, and help create new business opportunities around that content for them and their customers.”

Spinnaker is Inlet Technologies’ family of industry leading streaming appliances for live video and audio delivery applications. Using a state-of-the-art encoding engine and an advanced toolset, Spinnaker delivers the bandwidth performance and unique features you need to provide a true broadcast experience online Spinnaker provides award winning quality and professional, reliable results in an affordable, simple solution.

The Numbers: Inlet Technologies – Zeitbyte Digital Media

2010 Mercedes-Benz Fashion Week

175,424 total unique viewers – live and on-demand content

46,250 unique live content viewers

1,704,193 minutes of live and on-demand content viewed

903,759 minutes of live content viewed

171 countries from which live and on-demand content viewed

137 countries from which live content viewed

About Zeitbyte Digital Media

Zeitbyte Digital Media provides media, online and video services, including live event webcasting, video production services, custom media players, media encoding, and media management and streaming Founded in 2006 by Kevin Brail and Gary Kahn, Zeitbyte’s clients include ConEdison, Kenneth Cole, Universal Music, UBS, Neiman Marcus, Phillips de Pury and Michael Kors.

About Inlet Technologies

Inlet Technologies is redefining the online video experience with innovative solutions for media preparation that combine striking video quality with surprising simplicity and reliability, enabling content owners to expand their audience and realize greater value from their content. Industry leaders such as Major League Baseball, Microsoft, NBC Universal/Vancouver Winter Games, Yahoo!, France Télévisions and Home Shopping Network rely on Inlet for easy implementation, technical prowess and enterprise scale for their mission critical operations. For more information, please visit www.inlethd.com. Follow us on Twitter at InletTech.

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LAN Systems Teaches Smart Grid and Network Security at 2010 Southeastern Distribution Apparatus School

LAN System, a leading Atlanta Computer Support company, presented the topics of Smart Grid and Network Security at the 2010 Southeastern Distribution Apparatus School.

Norcross, GA, October 05, 2010 — LAN System, a leading Atlanta Computer Support company, presented the topics of Smart Grid and Network Security at the 2010 Southeastern Distribution Apparatus School. Smart Grid topics and initiatives were the focus at this year’s school.

A Smart Grid primer class was taught by Chuck Newton of Newton-Evans Research Group and Mary Hester of LAN Systems. Topics included what utilities are currently doing to support the grid and a discussion of initiatives to incorporate the latest technology for electric utilities. SCADA, communication, monitoring and database systems will all benefit from the increased priority and awareness of the importance of the power grid. For years, utilities have implemented technologies that contribute to an autonomous grid. “The Intelligent or Smart Grid is not a new concept for electric utilities,” said LAN Systems CEO, Mary Hester. ( http://www.lansystems.com ) “Utilities have been working toward this goal for many years. With the support of government and consumers, our dream of a smart, secure grid is closer than ever.”

In addition to the Smart Grid primer, a class on Network Security was taught by LAN Systems ( http://www.lansystems.com ) Senior Systems Engineer, Forrest Thompson. The course centered on protecting computer systems from outside attacks by securing the system and training users. Threats like viruses and malware were discussed with specific examples. Forrest stressed practicing safe computing and offered tips on how to keep from falling victim to common attacks.
The utility industry recognizes the vastness of considerations that are part of Smart Grid. Schools and seminars, like the SE Distribution Apparatus School, provide a unique opportunity for utility professionals to learn about the latest technology and discuss the most relevant issues.

About Southeastern Distribution Apparatus School:
The Southeastern Distribution Apparatus School & Conference is sponsored by Utility Technology Association. The school provides a forum for electric utility personnel to discuss best practices, procedures, new technologies, and common problems with peers and representatives from industry. The school is open to anyone interested and involved in these areas. For more information, visit: http://www.utilitytech.org

About LAN Systems:
LAN Systems provides people-focused IT solutions. As technology experts, LAN Systems helps companies make the most of their existing IT investment and choose the right solutions to fuel growth. LAN Systems is a leading provider of computer networking, consulting and managed services for growing businesses in Metro Atlanta. For more information, visit: http://www.lansystems.com

Press & Media Contact:
Lauren Maxwell
Business Development Manager
LAN Systems
6015-D Atlantic Blvd
Norcross, GA 30071
770 662-0312
lauren@lansystems.com
http://www.lansystems.com

Bambi Day Care Center Press Release

Bambi Day Care Center is the initial subdivision of the greater institution — Bambi Academy, which comprises the daycare centers, the Big Apple Academy K-12, the Alpha Summer Camp and the Dolphin Swimming School in New York. The daycare centers have several convenient locations in quiet residential areas of Brooklyn and are proud to be among the best daycare centers New York City can offer.
At Bambi Day Care, as childcare professionals we keep up to date with the latest trends in the field of child development. We firmly believe that each child is a unique person, and development is dependent on many factors. Therefore our child care programs support the idea that children should have their natural curiosity nurtured through an authentic, integrated, play-based approach. We realize that a curriculum framework that is designed to be universal to all children only leads to optimal development when teachers respect and respond to the learning opportunities of each individual child. Each child is born with individual traits and this is the reason for our strong belief that caregivers cannot have one single strategy for all the children in their care. We try to personalize and tailor our interactions and our programs to fit each child’s needs, keeping in mind their likes and dislikes.
Education and upbringing in our daycare center is centered around a child’s personality. We focus on children’s self-discovery, self-development and self-realization. We use the latest methods of teaching preschool age children along with the childcare programs that have been tested for years and proven to be most effective. At our day care centers each child can enjoy wonderful books, attractive toys, spacious and well-equipped playgrounds. Your child will be under the supervision of nurturing, highly educated caregivers at all times in our infant daycare.
Our children very enthusiastically take part in various contests and concerts which are prepared for all major holidays. Children love singing and dancing, and these activities help them develop their creativity thus developing their intellect. Children successfully develop their language skills through communicating with their teachers who are always interested in what the little ones have to say.
We are proud of the fact that we can form beginning knowledge and skills which will serve as a foundation for your children’s future. Children develop their motor skills, learn numbers and letters, start working with basic mathematical operations, such as addition and subtraction, learn new words to expand their vocabulary and gain the ability to eloquently express themselves. They also learn many facts about the world around them.
Our daycare graduates are perfectly ready for Kindergarten at the age of 5 because we organize our classes based on the fundamental principles of early childhood education. Children are taught through play, and they learn new skills naturally.
Our daycare centers are open for children ages 2 through 5, Monday through Friday, from 7.30 a.m. to 6.00 p.m. We also provide transportation from Brooklyn, Queens, and Staten Island.
For more information, please visit our website http://www.bambidaycarecenter.com, e-mail us at info@bambidaycarecenter.com or call at (718) 645-7010.

Hard Money Lender in the San Francisco Bay Area Helps Five Homeowners From Foreclosure

Lending criteria for hard money mortgages are fairly simple. The loan is based on the value of the subject property either real estate owned or about to be purchased by a borrower.

Santa Rosa, CA, October 04, 2010 — We need Private money loans in California from $100,000, and up to 10,000,000 we love both commercial and residential ( http://www.ourfundsonline.com ) and we are a fast funding outfit that bases our loans entierely on equity. We are California # 1 equity based lender and have just decided to raise our loan to value from 65% to 70% loan to value of the property. In general, hard money mortgages are used for commercial purposes. However, they can also be applied to residential properties. In this instance, the loan is generally referred to by its more genteel name: a non-conforming mortgage.

Lending criteria for hard money mortgages ( http://www.ourfundsonline.com ) are fairly simple. The loan is based on the value of the subject property either real estate owned or about to be purchased by a borrower. If the borrower is buying property, the “value” of the real estate is defined as the actual purchase price of the property. If the borrower needs hard money for a refinance situation, the value is determined by a written real estate appraisal.

If you are looking for a hard money refinance loan, the lender will want to know when you purchased the property and what you paid for it. If you bought a property a month ago for a specific sum, the lender will be disinclined to lend you more than that purchase price. Once you own the property for about a year, especially if you have put some money, sweat equity, or both into the property, ( http://www.ourfundsonline.com ) you can get a new appraisal and get a loan based on the new, improved value of the property. This is called seasoning. Be sure you have seasoned your property for 3 months before going out for a refinance mortgage at a significantly higher value figure than what you paid for it.

Once it has three months seasononing we fund loans to borrowers with unique challenges, and who do not have the time or are unable to seek financing from traditional banking sources. We utilize our own resources to fund loans – when we commit, you may be confident of the timing and outcome we promise and we deliver on our word.

NO Rules! Ourfundsonline.com ( http://www.ourfundsonline.com ) does not underwrite loans for a secondary market. We make the rules and use our experience to make loans happen. Simply put we are the bank our vast group of investors have been working with us for the past 20 years and trust us to evaluate the equity position we are taking on. We are a equity based lender ,we care not about credit scores, previous foreclosure and/or bankruptcy with us all borrowers are the same depending on down payment or the equity position ( http://www.ourfundsonline.com ) we hold as collateral.

* Residential
* Construction
* $250,000 – $2,500,000
* Lot Loans
* NO FICO requirements
* Small Commercial
* LTV’s to 75%
* Foreclosures
* Stated Income
* Interest only
* Multiple Borrowers
* No Prepay Penalties
* Cross Collateral OK
* Multifamily
* Office
* Retail
* Self Storage
* Special Uses
* Payments Holdbacks
* Medical
* Mixed Use

Borrower EQUITY is the primary criteria. We will look at loans on any type of real estate to any type of borrower just as long as there is equity there is a good chance you have yourself a loan !!!!!!

We fund our loans in as little as 4 days with that being said we try and limit the amount of time we have available to just one state — We fund in California ( http://www.ourfundsonline.com ) only at the present time so that you get 100% of our time and energy so that your loan funds without any complications.

What kind of interest rate can I expect from an equity loan?
Most borrowers can typically expect an interest rate of 9% to 15% for their private money loans.

Will my credit score affect my eligibility?
No. This is one of the most important differences between us and banks or mortgage brokers. Your credit score does not affect your elifibility.

What does Loan-to-Value (LTV) mean?
Loan-to-Value is the relationship between the value and the loans against the property.

What types of property are eligible for a private loan?
Single Family Residence, Commercial, Multi-Family, Land, Mixed Use and other real estate properties are all eligible for a hard money loan.

Do I have to pay closing costs?
Yes, however the closing costs can be paid through the loan proceeds.

How long does it take to close on an equity loan?
Closing on a http://www.ourfundsonline.com hard money loan takes between 3 and 5 days after receiving a completed package.

Does my property need to be appraised by your appraiser?
No, but we will conduct an appraisal review on all appraisal reports submitted to us.

Where do we lend?
We currently lend in California only.

How do I get started on a hard-money loan?
To get started on an equity based hard money loan from http://www.ourfundsonline.com please e-mail me your dead or alive deals now !! e-mail to CaliforniaTDinvestments@gmail.com This e-mail address is being protected from spambots. You need JavaScript enabled to view it or contact Jeffrey Martino Young today toll free 1-877-870-2676 or 24 hour cell phone # 310-984-0496 or fill out the loan application on our website. http://www.ourfundsonline.com

Press & Media Contact:
Jeffrey Martino Young
OurFundsOnline.com
1585 Terrace Way
Santa Rosa, CA 95404
(310) 984-0496
jyoung@essexmortgage.com
http://www.ourfundsonline.com

UK Homes Are Second Largest Cause Of Lung Cancer

UK Homes And Showers Expose People To Cancer Causing Airborne Radon Gases. The World Health Organisation (WHO) Announced That The Second Biggest Cause Of Lung Cancer Is Through Low To Medium Exposure To Radon Gases In Homes.[1]

Smoking is the leading cause of lung cancer in the world. However, very few know that the second biggest cause of lung cancer is radon exposure in homes. Dr. Maria Neira of WHO (World Health Organisation): “Most radon-induced lung cancers occur from low and medium dose exposures in people’s homes. Radon is the second most important cause of lung cancer after smoking in many countries”.[1] In fact it accounts for 21,000 deaths a year (in America alone) for non-smokers. Conversely, second-hand smoke only accounts for 3,000 deaths per year. [2]

Radon is a naturally occurring radioactive gas borne out of the decay of uranium. Some might think that uranium is something that is only to be found in nuclear power stations, but in fact every square mile of the earth contains 1 gramme of uranium, which adds up to a lot of uranium and radon. Radon seeps into enclosed spaces like mines and also into underground water supplies where it is trapped within this water. A report released by the National Academy of Sciences states that there is a link between tap water and radon-induced lung cancer. [3]

One of the largest exposures to radon gases received daily is through inhalation of radon released from shower water. During showers radon particles are released as gases from hot water into the air as steam. The steam contains radon and within the confined space of showers and bathrooms, substantial amounts of radon gases are inhaled. The UK’s Health Protection Agency state that radon exposures in many homes are close to those received by uranium miners.[4]

The most effective and environmentally friendly way to protect against radon gases in the shower is to install a shower filter. Shower filters are easy-to-install shower heads that have an in-built water filter. As the radon particles pass through the filter, they are trapped and therefore make shower water free from radon. Shower filters have replaceable cartridges and also eliminate other impurities like; chlorine, magnesium, heavy metals, lime scale and other contaminants that can cause adverse health effects.

The UK’s Health Protection Agency provide radon test kits for homes and can be purchased by calling 01235 822 622.

Http://www.pureshowers.co.uk sells internationally tested and certified shower filters which remove radon. They can be purchased securely online at http://www.pureshowers.co.uk or by calling 0800 612 7174.

More information about radon in homes can be accessed on the UK’s Health Protection Agency’s website at:
http://www.hpa.org.uk/Topics/Radiation/Under...

 About The Company:

PureShowers.co.uk specialise in offering the latest technology in Shower Filters for health and beauty. The Http://www.pureshowers.co.uk filters are available online via a secure ecommerce store at http://www.pureshowers.co.uk

Prices start from £29.95 (including VAT) and can be ordered online or by calling 0800 612 7174.

What do its customers say?

Shirley Chan of London says: “I have been using the shower filter for three weeks now and I have noticed the difference in my skin and hair. Previously, my skin would feel very dry and itchy and I had to moisturise with an emollient cream, but now my skin feels soft and smooth and I no longer have to use my creams.”

Stephen Boyle of Essex says: “It’s easy to install. Well after two weeks since putting the filter on my shower, it’s great. I never realised how much damage chlorine does to the skin.”

Jacqueline Gallagher of Derry says:“The filter does everything it promised and I couldn’t be happier. I’ve recommended it to all my friends and am telling all my salon clients of the benefits.”

Notes to the Editor:

  • High Res. Images and Samples available on request
  • For further information, please contact: Ty Lee (media@pureshowers.com) or on TEL: +44 7805 777 762

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[1] Dr. Maria Neira of WHO (World Health Organisation): “Most radon-induced lung cancers occur from low and medium dose exposures in people’s homes. Radon is the second most important cause of lung cancer after smoking in many countries.” –http://www.epa.gov/radon/healthrisks.html

[2] http://www.epa.gov/radon/healthrisks.html

[3] http://www.epa.gov/radon/rnwater.html

[4] http://www.hpa.org.uk/Topics/Radiation/UnderstandingRad...