Kinzer joined Gibraltar in 2010 and has more than 30 years of experience in financial services.  In his role with the bank, he is responsible for managing a portfolio of commercial and personal loans, as well as developing new business in the professional sector, including deposits, loans, and cultivating wealth management opportunities. 

Henderson Behavioral Health is the oldest and largest, community-based not-for-profit behavioral healthcare system in South Florida.  In addition to providing the full-range of evidence-based behavioral healthcare services to all ages, Henderson is also committed to creating and managing a system of housing for adults and children.  It operates more than 650 housing units throughout the South Florida region and is also recognized nationally and internationally as a center of teaching, learning and research.  The organization will be hosting its annual fundraising gala on March 31, 2012 at the Hyatt Regency Pier Sixty-Six in Ft. Lauderdale. 

More information is available at http://www.hendersonbehavioralhealth.org/events-rsvp.html  About Gibraltar Private Bank & Trust Company Established in 1994, Gibraltar Private is an integrated private banking and wealth advisory company dedicated to enhancing the wealth and well-being of its clients and their families. 

Gibraltar offers residential and commercial lending, private banking and wealth management services to professionals and professional service firms, corporate executives, generational families, affluent retirees and entrepreneurs and their businesses.   Gibraltar Private has eight full-service offices with its headquarters in Coral Gables, offices in Fort Lauderdale, Miami, Miami Beach, South Miami, Naples, Ocean Reef, West Palm Beach and New York, and a loan production operation in Aspen, Colorado.   

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Based on the car insurance experts' own data, Confused.com identified the Land Rover Discovery HSE V6 TD and the Land Rover Range Rover Sport HSE TD6 as the cars that are most likely to have been involved in exceeding the statutory speed limit on a public road.

Meanwhile, the drivers who've been caught on their phone or hand-held device, when their eyes should have been on the road, are more likely to be driving a Ford Galaxy Zetec, a BMW XSI Sport or a Volkswagen Polo e 60.

Most likely to have been caught driving without insurance are the drivers of the Vauxhall Astra Edition 16V Coupe. Meanwhile, Audi A3 drivers (S3 FSI t Quattro) are the top traffic light jumpers.

Government estimates put the number of British people driving without insurance at 1.4m, and have identified this as one factor in the rising costs of car insurance.

One car in particular topped the charts with 26% of Land Rover Discovery HSE V6 TD owners having exceeded the statutory speed limit on a public road. BMW 320 DM Sport and the Mini Cooper TD also featured with 20% and 19% of owners respectively being found to have broken the speed limit.

Using a mobile device is still a problem on Britain's roads, despite fines and points being issued if caught, with Ford Galaxy Zetec TDi drivers being the main culprits at 1.94% closely followed by the BMW XS I Sport with 1.77% of drivers being caught.

With regards to other driving offences, Confused.com found that drivers of the Vauxhall Zafira Design DTi were most likely to drive their vehicle with defective tyres, while Citroen Saxo VTR drivers were most likely to drive or attempt to drive whilst over the current alcohol limit.

Gareth Kloet, head of car insurance at Confused.com says: "The rules of the road are designed to help shape our driving habits and to maximise road safety. Our research has nevertheless shown that driving legally is clearly a challenge to a significant proportion of drivers.

"Keeping on the right side of the law will obviously help to not only minimise the cost of your insurance but also help keep you on the road and keep the roads safe."

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About Confused.com:
Confused.com was the UK's first price comparison site for car insurance. Confused.com is one of the UK's biggest and most popular price comparison services. Launched in 2002, it generates over one million quotes per month. It has expanded its range of comparison products over the last couple of years to include home insurance, travel insurance, pet insurance, life insurance, van insurance, motorbike insurance, breakdown cover and energy, as well as financial services products including credit cards, loans, mortgages and life insurance.  

Confused.com is not a supplier, insurance company or broker. It provides a free, objective and unbiased comparison service finding users great deals on a wide-range of insurance products, financial services, utilities and more. Confused.com's service is based on the most up-to-date information provided by UK suppliers and industry regulators. Confused.com is owned by the Admiral Group plc. Admiral listed on the London Stock Exchange in September 2004. Confused.com is regulated by the FSA.

PR Contact:
Sarah Wenham
Confused.com press office
Friary House
Greyfriars Road
Cardiff
CF10 3AE
02920 434275
www.confused.com

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FreeAgent Alerts allows accountants to set-up customised alerts to monitor their clients' account activity for transactions and entries that may warrant closer examination. By using Alerts, accountants will also be able to take a more proactive approach in helping their clients keep on top of their finances, and ensure that potential issues are spotted and acted on sooner rather than later.

The new feature is available exclusively through the accountant's existing dashboard, which presents an at-a-glance view of all of their clients on the FreeAgent platform and a portal to drill into the specifics of any one of their accounts.

Because FreeAgent offers accounting software online specifically and has been seamlessly integrated into the IRIS accounts production solution, it also provides better accessibility for users and a significant reduction in time spent on manual or paper based processes.

FreeAgent believes that Alerts is a major breakthrough in cloud accounting and a first for the industry. Ed Molyneux, CEO and co-founder of FreeAgent, explained: "Alerts will enable accountants to immediately focus on advising and providing insight to their clients, rather than having to spend a lot of time doing more manual monitoring. It puts them on the front foot and helps them to be more proactive in advising their clients."

FreeAgent collaborated with a number of accountants and accounting firms on the development of Alerts including Freelance World, which provides a full range small business accounting software across the UK. 

Alasdair McGill, Managing Director of Freelance World, said: "Online accountancy has revolutionised the way accountants work with their clients and FreeAgent's latest Alerts tool goes even further to help us keep on top of our clients' accounts. Alerts will give us the ability to monitor our clients' accounts on a daily basis, giving them peace of mind that we're watching the numbers.  I'd like to congratulate FreeAgent on how far they've come over the last year to give us a great all-round product that will help us to do a better job for our clients."

FreeAgent is available to accountancy practices throughout the UK via the company's close partnership with IRIS Software where FreeAgent powers the IRIS OpenBooks solution, a key component of the OpenApps suite. With the company's clear insight and knowledge of the accountancy marketplace, IRIS was involved throughout the planning and development process of Alerts.  

Commenting on the latest initiative, Phill Robinson, CEO of IRIS Accountancy Services said:  "Both IRIS and FreeAgent share the drive to constantly innovate and improve our offering to our customers. Alerts is one more reason for accountancy professionals everywhere to evaluate the benefits a shift to online accounting software could bring to their own firms and their clients."

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About FreeAgent:
Edinburgh-based independent FreeAgent has pioneered online accounting since the launch of its service in 2007. It has rapidly grown a loyal community of freelancers and small businesses, who pay either monthly or annually for access to its software offering many easy to use features, including an invoice template.

In a survey, 99.5% of FreeAgent users said they would recommend the software to others, and the service won the prize for Best Newcomer at the 2009 SIFT Media Software Satisfaction Awards. In 2010 it won the SIFT SME Accounting and Finance Software Satisfaction Award, beating all of its desktop and web-based competitors to take the title. The company also offers a free accountancy software trial to those who may be interested in the company's products. More information can be found at www.freeagent.com.

PR Contact:
Ed Molyneux
CEO
FreeAgent
40 Torphichen Street
Edinburgh
Scotland
United Kingdom
EH3 8JB
0131 447 0011
www.freeagent.com

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In addition, 'Good Neighbour' has supported over 30 three year projects, with more than 20,000 people benefitting from project and volunteering support.

Peter Crook, CEO at Provident Financial, said: "When asked, as I often am, about how we manage our Corporate Responsibility programme, I say it's part of our DNA. It's a fundamental part of our business strategy and plays a key role in our long-term success."

Established in 2009, Good Neighbour is Provident Financial's flagship community programme. It helps fulfil Provident's ambition to be the UK's leading community-based lender by creating opportunities for people to work side by side with its community partners. 'Good Neighbour' has three component strands:
- Supporting local projects: working in partnership with local community organisations, the 'Good Neighbour' programme delivers projects which are tailored to meet the needs of local residents. Most projects run over a three-year period, with opportunities available to deliver smaller, one-off projects too.  
- Employee volunteering: 'Good Neighbour' supports employees participating in company-led volunteering projects, including one-to-one mentoring projects, the Provident Reading Scheme and team challenges.
- Employee matched giving: Provident wants to help its employees to support the causes they care about the most. Employees taking part in fundraising activities or volunteering in their local communities can apply for matched giving and volunteering grants to make their contribution go even further. Over 1,750 employees have been involved so far and community partners have reported more people are now accessing their services.

Each community partner is selected carefully to ensure that every project is delivered to a high standard and provides real benefits for the community. Provident wants to work with a wide range of organisations, including youth clubs, community groups and schools, so that it can reach people of all ages, from toddlers to pensioners, and address their specific needs.

About Provident Personal Credit:
Provident Personal Credit is a market leading financial services company operating in the non-standard loans market. It specialises in offering cash loans of small amounts, typically from £50 - £500 over terms from 14 weeks up to 106 weeks. Its short term loans are unsecured and all of the costs are included up front which means that customers will never be charged for a missed or late payment. When assessing loan applications, Provident Personal Credit look at the applicants ability to repay now rather than their payment history.

This means that people could still be accepted for a loan even if they think they may have bad credit. Repayments are collected by agents who visit their customers' homes on a weekly basis. The company has a good reputation with 95% of their customers saying that they are satisfied with their service.

What's more, it is a great alternative to payday loans with small and manageable weekly repayments.

Provident Personal Credit Ltd is a part of the Provident Financial Group. It is licensed by the Office of Fair Trading.  
 
PR Contact:
Emma Noble
PR Executive
Provident Financial
1 Godwin Street
Bradford
BD1 2SU 
01274 351135
www.providentpersonalcredit.com

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When posed this question, 'Would more women vote for Newt Gingrich or Barack Obama?' a majority of the respondents, 53.87%, said they thought more women would vote for Obama than Gingrich. 33.33% thought Gingrich would win, while 12.8% thought it would be equal or were unsure.

'I'm really not surprised by these poll results', said Peter J. Bryson, founder of The Wealth & Freedom Foundation.  'With recent allegations of sexual impropriety and a history of infidelity it's clear to see why he would rate poorly amongst women.  And let's just be honest about it, he's not really a likable candidate compared to Obama.'

The poll also found that a majority of people felt that Gingrich would not be able to defeat Obama if the general election were held today.  While 53% of the respondents said that Gingrich could not beat Obama in the 2012 election, 36% thought that he could, and 11% were undecided.

The Wealth & Freedom Foundation, America's #1 advocate for the wealth and freedom of the average citizen, frequently conducts surveys and political opinion polls.  It also publishes a weekly e-newsletter discussing political and financial issues.

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Joe takes the time to provide the current credit cards for bad credit on his blog for you to compare.  You can find the blog at 'Credit Cards For Bad Credit'  In the end Joe was able to rebuild his credit score and establish a new credit history that he enjoys today.  You can learn more by viewing Joe's blog, viewing his video or reading his newly published book.

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Our portfolio spans 65 properties across the UK, meaning customers are never far from the De Vere experience. Every year the company hosts over two million leading professionals, hundreds of thousands of leisure guests and many of the world's major brands. But despite this success De Vere is investing in the quality of its properties and is continually looking to the future, training and nurturing its people and, in turn, going from strength to strength.

The group is made up of a number of core brands -

De Vere Hotels – www.devere-hotels.co.uk
De Vere Venues – www.deverevenues.co.uk
De Vere Village – www.village-hotels.co.uk
De Vere Luxury Lodges – www.devereluxurylodges.co.uk
De Vere Academy – www.devereacademy.com

Or find out more about the group by visiting www.devere-group.co.uk
 
About SecureTrading
SecureTrading is the UK's leading independent payment processor, providing online payment processing for all types of businesses via the most reliable and secure internet payment gateway services.  Founded in 1997, the company's fast, reliable and professional online card payment services enable its customers to accept credit cards, debit cards and other payment methods such as PayPal and Ukash online.
 
SecureTrading also offers the most comprehensive suite of counter-fraud services and merchant account services available. From its core services of 3-D Secure, CVV2 and AVS to SecureTrading Fraud Score enabling IP checking and SecureTrading Identity Check which enables full KYC checks, the company reduces significantly the threat of online fraud to businesses.
 
For businesses looking to expand internationally, SecureTrading supports Dynamic Currency Conversion as well as European payment systems including ELV, iDeal, Sofortüberweisung and Giropay.
 
For more information visit www.securetrading.com 
 
 
Zara Camble
Account Manager
Fieldworks Marketing
Tel: + 44 (0) 845 034 5602
zara@fieldworksmarketing.co.uk 
 
Michael Gwynne
Marketing Executive
SecureTrading
Tel: +44 (0) 1248 672 078
michael.gwynne@securetrading.com

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The company president, Arvinder Kalsey, has been a regular guest of several local radio stations where he has given solid advice on many financial matters that are relevant to today's economic times.  Mr. Kalsey has assisted clients who call into the radio interview shows the ability to consider other options that they either were not aware of or did not think applied to their situation.  It's precisely in these situations that position Mr. Kalsey and his company, BSCC, as the go-to choice for Canadians facing troubling financial matters.  More information about debt relief can be found on their website at http://www.bscc.ca

Not only has BSCC been able to provide timely options for clients to consider and avoid bankruptcy, but they also can negotiate with creditors and design a plan to reduce debt to an affordable level.  This allows clients to live life normally once again without the threat of financial ruin, and preserves their credit rating due to not having to enter bankruptcy.

BSCC has multiple office locations across Canada which allows them to serve clients from coast to coast.  Their office locations are located in Vancouver (Surrey), Calgary, and Toronto.  There are expansion plans for a 4th office to open early this year, in 2012.  At the current rate of growth, we can expect to see more successes during this New Year.

For additional information please visit http://www.bscc.ca – A 100% Canadian owned and operated credit counselling company that has been helping Canadian clients avoid bankruptcy for many years.

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For more information, please visit: hhttp://www.seh-technology.com/products/usb-device-servers/myutn-150.html
 
About SEH Technology Inc.
SEH Technology, Inc. (www.SEH-Technology.com) is a leading supplier of professional network printing solutions for enterprise, government, and military customers in North America . SEH Technology's product portfolio includes internal and external print servers and spooling appliances for all common network and cabling types utilizing the latest technologies. In 2008 SEH introduced the USB device server product line myUTN, broadening the company's solution portfolio to include intelligent solutions for network access of USB devices.
 
SEH Technology, Inc. was founded in 2002 as the US sales office of SEH Computertechnik GmbH in Bielefeld, Germany, one of Europe's leading manufacturers of network printing solutions for over 20 years. SEH develops and manufactures every product in Germany  in accordance with DIN EN ISO 9001:2000.

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"The number of people that are starting to trade different currencies across the globe is astronomical. It's absolutely unbelieveable," exclaims Robert Taggert, a founder of ForexTradingCheck.com. "Even though I'm heavily involved with the industry, it still confounds me to this day."

According to a survey by the Triennial Central Bank, there was approximately $3.98 trillion traded on average every single day. This number was only $1.7 trillion per day in 1998.

"People are starting to take a much closer look at currencies because of the Euro debt crisis and the long-term devaluation of the U.S. Dollar," Taggert says. "People are interested in profiting from this uncertainty, so they begin to look at different options in the Forex Trading industry."

Although the big banks are heavily involved in the Forex Trading industry, small players can invest small amounts of money with various trading companies in the industry and use leverage to increase their profit.

"Using a lot of leverage is risky, but going with an unreputable Forex Trading company is much riskier," warns Taggert. "You need to know what companies to use, and what strategies to follow. Some people lose their shirt, but it's often a result of risky trading practices. Other people win big."

You can find additional information about Forex Trading and the most reputable companies at http://ForexTradingCheck.com.

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"There are numerous reasons for the growing popularity of online savings account," explains John Patrick Tighe, one of the founders of OnlineSavingsAccountCheck.com, a resource that gives detailed guidance on the process of finding and opening an online savings account. "One of them is that online savings accounts typically offer a higher yield on money saved."

While most savings accounts are currently offering an APY of 0.45 to 0.60, some online savings accounts companies offer yields of 0.80 or higher because they don't require numerous physical branches of service like other banks do.

"Although the extra yield might not sound like much, it can add up to $100s extra per year if you keep enough money in your savings account," says Tighe. "It's like you're passing up free money if you go with a bank that has a lower yield.

"There can be disadvantages to online savings accounts, however. Since there are no physical branches of an online savings bank, you will have to use other bank ATMs to withdraw money. 

"I strongly advise users of Online Savings Account Check to make sure their online savings bank reimburses all ATM fees, as many do. You may actually end up losing money if you aren't careful."

John Patrick Tighe is a founder of Online Savings Account Check, found at http://OnlineSavingsAccountCheck.com.

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1. Reevaluate their commercial mortgage:  Many business owners obtained a commercial real estate mortgage to finance the purchase of their business location when interest rates were much higher. It may make sense to review whether it makes sense to refinance the loan at today's lower rates. In order to get the best rate and terms, it often makes sense to determine the lender that is the best fit for your business. For example, there are some lenders that specialize in certain industries or certain property types that will provide better terms and pricing for their target market. Due to the composition of their balance sheet, some lenders may be more or less willing to lend in general. Larger banks tend to have economies of scale and can provide competitive terms when the deal 'fits their box;' however, a smaller bank can sometime offer more create solutions when there is a more complicated application. Your CPA or attorney can be a good source for referrals to a lender.


2. Bundle services at their financial institution:  Just as owners do with their cable or telephone services, it makes sense to review the services business owners are receiving from their financial institutions and determine if it makes sense to put their different accounts (personal and business) under one roof.  By doing this, business owners can likely get better rates and service, while reducing fees.


3. Review their estate plan: Business owners should make time to sit and reflect on the goals and objectives of their current estate plan.  Does the plan still match up with how they want their estate to be divided?  Does the current estate plan reflect their family's situation? Over the course of a year, or whenever the last time the estate plan was reviewed, many things may have changed within a family.  Perhaps there have been births, deaths, divorce, marriage or changes to insurance dependents.  All of these factors could impact business owners' existing estate plans and may need to be addressed by making changes to the current plans.  Furthermore, with the current state of the economy, executives may not be as financially secure as they were previously.  It may be a good time to consider making adjustments to how their money and assets are being allocated and invested.


4. Appeal their property tax appraisal: As most real estate has lost value over the past several years, business owners may want to consider challenging the property tax appraisal on their business properties.  This can be done by a professional on a contingency basis, so ultimately business owners spend very little, while likely providing themselves the opportunity to get a break that could result in savings of hundreds or thousands of dollars.


5. Evaluate technology for the business: If owners have been considering upgrades to technology for their office or for use by employees, making those purchases before year-end can make a lot of sense.  Starting the new year with enhanced technologies can energize a business's processes and revenue opportunities, while also increasing employee morale. 


6. Reevaluate the organizations the business is involved with: The end of the year is naturally a great time to consider the charitable and business organizations the owner has been active in. Owners should ask themselves if these organizations are still valuable to their own personal interests and business goals and if the benefits outweigh the costs. As many memberships are based on a calendar year, membership dues can often be saved if these decisions are made before year-end.  Joining new organizations can be considered as a way to build business in the coming year.

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In recent years this charity drive has experienced a drastic increase in donations despite, or perhaps because of, the country's economic struggles.  In 2009 CommonWealth One collected more than 50 coats and other winter clothing from its members. Those items were donated to the Lupus Foundation in Alexandria, VA, Mercy House in Harrisonburg, VA, as well as House of Hope Men's Shelter and C-Cap in Front Royal, VA.

In 2010 CommonWealth One collected a total of 100 coats plus a variety of other winter apparel for Alternative House in Dunn Loring, VA; House of Hope in Front Royal, VA; and Mercy House in Harrisonburg, VA. This year's donation drive yielded a total of 231 coats and other winter clothing, which were donated to First Steps in Harrisonburg and the Lupus Foundation of America in Washington, D.C.
 
CommonWealth One has a strong commitment to supporting the communities we serve and the members who live there.  CommonWealth One not only supports local charities during the holiday giving season, but also throughout the year by donating to the Children's Miracle Network, Walk to Fight Breast Cancer, Community Partners for Children, and others.
 
About CommonWealth One Federal Credit Union
Since 1944, CommonWealth One Federal Credit Union has grown to become one of Northern Virginia's top credit unions with over $295 million in assets serving more than 36,000 members. CommonWealth One is a full-service, member-owned, not-for-profit financial cooperative committed to being the lifetime financial institution of its members.
 
CommonWealth One Federal Credit Union offers Checking Accounts, Mortgages, Home Loans, Auto Loans, Savings Accounts, Money Market accounts, IRAs and more in Washington, DC or Virginia.  We have remained true to our philosophy of "people helping people" - providing members with loans, savings plans, and special services to achieve their long-term financial goals and help them enjoy a better way of life.  Our excess earnings are returned to our members in the form of higher dividend rates, lower interest rates on loans and low or no fees.  For information on our history, upcoming events, and more visit www.cofcu.org.

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