After spending some time going through the new course, it became obvious that this is an overlooked niche in the real estate investing arena and shows great promise for long term real estate investors. landprofitsreview.com provides a thorough review of the course and it's contents. They also offer a rebate program and coaching to get new investors started.

The objective of the course is to get in contact with people who are behind on their property taxes and to attempt to buy the property before it is sent to auction by the county. By doing this, an investor can often pick up the property for little more (if any) than the taxes owed on the property. Delinquent tax property will always be available, and this program could be an excellent tool for any long term investing business. Almost no competition and an endless supply of leads.

Jack Bosch does not come across as just another guru trying to sell rehashed information, he is a regular investor who is actually buying and selling properties every day. He first came out with a course last year called Land Profit Formula, which sold out very quickly. After working with his original students for a year, he decided to improve the course to include more items to cover the needs of all of them.

The Land Profit Generator teaches investors who to contact to get a list of people; which leads are best to follow up with; how to contact them; what to say to them; how to put it under contract; and then how to sell it. Very comprehensive, and he also offers support to help new investors get their system set up and running.

For more information about the Land Profit Generator course, visit http://www.landprofitsreview.com

— WebWireID107139 —

Presentations were given by numerous successful CRM customers such as CAPTRUST Financial Advisors, Markel Corporation, Volvo Construction Equipment, AgFirst Farm Credit Bank, Scientific Games, and Comag Marketing Group. The conference offered a wide variety of breakout sessions on CRM portal development, advanced customization techniques, dashboarding and tips from Customer Effective's Microsoft CRM MVPs.

A special sneak preview of upcoming product capabilities for Microsoft Dynamics CRM was presented by Brian Galicia, Microsoft Product Manager. Brian highlighted Microsoft's roadmap for the Dynamics CRM product and previewed upcoming product releases in 2010.

'The user conference was fun, engaging, and nicely done to say the least,' said Kerry Benson, Managing Director/Chief Information Officer of Public Financial Management Inc. 'The sense of enthusiasm for the Microsoft Dynamics CRM platform exhibited by conference attendees convinced me that customers are pleased with the benefits and value they're receiving from their investment in CRM. I left the conference encouraged that my decision to invest in this strategic platform and engage Customer Effective as my implementation partner was indeed the right one.'

'We had already implemented a large part of our system before attending the conference, so although I was happy to attend with my team, I had no idea how much we would benefit,' said Allison Denlea, Business Process Supervisor at Markel Corporation. 'The conference was a great resource for networking with other CRM users and learning what other Customer Effective customers have done helped bring a new perspective and focus to the Markel CRM project. We greatly benefited from sending the project team to the conference and we look forward to attending next year!'

'Our goal in hosting our annual User Conference is to provide a platform for our customers, partners and consultants to share ideas on how to leverage Microsoft Dynamics CRM to drive business success,' said Scott Millwood, CEO of Customer Effective. 'While our team of experts certainly have a lot to share about how to best leverage Microsoft CRM, it was really our customer presentations and round table discussions that made the 2009 conference a big hit. These were lively and collaborative sessions featuring real world stories that help shine a light on the best ways to be successful with CRM. We look forward to doing this again in 2010.'

A video highlighting the conference can be viewed here: http://www.customereffective.com/2009_User_Conf_Video

About Customer Effective

Customer Effective, with headquarters in Greenville, S.C., is a leading innovator in customer interaction solutions based on Microsoft Dynamics Customer Relationship Management (CRM). The company is a Microsoft Gold Certified Partner, CRM Consultant and Solution Implementer having completed hundreds of Microsoft CRM implementations and development projects. Recent CRM and Microsoft awards include recognition as the 2009 Microsoft Dynamics Financial Services Partner of the Year, being named to the 2009 Microsoft Dynamics President's Club, recipient of the 2008 and 2009 Microsoft Dynamics Inner Circle distinction, and member of the 2008 Inc. 500 list. For more information, visit www.CustomerEffective.com.

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— WebWireID108144 —

From the start, there will be two apartments available for rent: a studio apartment in Prenzlauer Berg (Eberswalderstrasse subway station) and a big 1 bedroom apartment in Schöneberg (by Nollendorfplatz subway station). The fees start at 60 Euros per night, offering a great deal for the tourist or business traveler to Berlin.

Renting an apartment instead of staying at a hotel is becoming more popular, as more people are discovering the advantages of having more space for a lower price; more freedom and a feeling of being at home rather than away. Checkin apartments are available for short and long term stays and the units come fully furnished.

The opening of the apartment rental service in Berlin will follow more apartments in the city.

For more information, visit Checkin's website www.checkin.se.

— WebWireID107960 —

Ed Browning, Regional Specialist with Thrivent Financial, will discuss how the changing economy can impact investment markets, and how emotions affect financial decisions. Bevier will touch on opportunities for gifting and leverage in a down market.

'Despite the recent market recovery, values for most investors remain below mid-2008 values, and real estate appears to have bottomed,' said Bevier. 'If there's a 'silver lining' in this, it's the ability of the owner of an asset to gift all or some of that asset to their beneficiaries now, instead of after death, using the reduced values for gift tax purposes. The appreciation that occurs after completion of the gift will not be subject to estate taxes after the death of the donor.'

Thrivent Financial for Lutherans is a fraternal benefit society headquartered in Appleton, Wisconsin. http://www.thrivent.com.

Bevier has been an attorney specializing in estate planning and business planning in the greater Sacramento, California region for nearly 25 years and is a Certified Specialist in Estate Planning, Trust and Probate. She has been a member of the American Bar Association, Estate Planning Section, since 1985, and the Sacramento Bar Association since 1998. http://RobinBevier.com

— WebWireID107956 —

Miami, Florida – In a preliminary review of its third quarter foreclosure prevention data in the Florida housing market, Citi today announced its activities in the Sunshine State successfully helped distressed homeowners avoid potential foreclosure at nearly three times the rate of a year ago. New third quarter data shows that Citi's loss mitigation successes in the state outnumbered foreclosures completed by a ratio of almost 16 to 1 compared to almost 6 to 1 in the third quarter of 2008. Citi manages a $750 billion mortgage portfolio of loans it owns or services.

"Citi is very focused on keeping distressed borrowers in their homes and is committed to driving solutions that help them do so. This is a paramount issue for Citi, and under the direction of Citi's Chief Executive Officer, Vikram Pandit, we have invested heavily in people, technology and training to help borrowers avoid potential foreclosure," said Sanjiv Das, President and Chief Executive Officer of CitiMortgage. "We are pleased with our progress to date, but there is more to be done. Recent improvements in documentation requirements and increased borrower awareness are resulting in greater success for trial modifications and other solutions."

Since the beginning of the mortgage crisis in early 2007, Citi has helped approximately 715,000 distressed homeowners across the country with underlying mortgages of nearly $79 billion avoid potential foreclosure and stay in their homes.

"Communication is essential to success, and we strongly encourage homeowners who find themselves in financial distress to call their mortgage company right away to get help as soon as possible," continued Mr. Das. "Your mortgage company is here to help, and remember that our counseling is free of charge."
Industry Leading Foreclosure Prevention Programs

Citi has developed and implemented a robust foreclosure prevention program of modifications, extensions, forbearances, reinstatements, along with the introduction of its early outreach program, Citi Homeowners Assistance Program, and the Citi Unemployment Assist Program. Citi is committed to supporting other loss mitigation activities, including participation in the federal Home Affordable Modification Program (HAMP). As of October 31, 2009, CitiMortgage had begun trial HAMP mortgage modifications for 40 percent of eligible borrowers, placing Citi first among its peers of major U.S. mortgage servicers.

Citi released the foreclosure prevention results in Florida to coincide with Mr. Das' visit to the state where he will meet with community leaders and nonprofit partners in Miami to discuss strategies to prevent potential mortgage foreclosures, meet with employees and others to reconfirm Citi's commitment to economic recovery in Florida and across the country.

Each quarter, Citi releases a detailed analysis of its national foreclosure prevention activities in its portfolio of owned or serviced loans, including its efforts in 22 states as part of its ongoing commitment to transparency in lending and foreclosure prevention. Citi remains the only major mortgage servicing institution to provide such analysis. The eighth edition of Citi U.S. Consumer Mortgage Lending Data and Servicing Foreclosure Prevention Efforts report covering the third quarter 2009 will be issued later this month.

Citi is a major local employer with approximately 11,000 employees statewide. In 2008, Citi business contributions to eligible organizations and Citi Foundation grants to non-profit organizations in Florida totaled more than $3 million.

— WebWireID107921 —

The Impacta-Regupol line of recycled, rubber-based floor underlayment products is both innovative and environmentally friendly. These products are designed to reduce impact noise in the floor-ceiling assembly and for use in vibration isolation, under machinery and in construction applications in isolating concrete slabs. For specific product information visit www.impacta-regupol.com

Sound Seal, a pioneer in the advancement of acoustical systems for over 30 years and an industry leader in the acoustics field in innovative product design and manufacturing capabilities, was founded in 1978 by Rich Mulcahy and Barry Lyons with the vision to manufacture a quality product, at a reasonable price with great customer service. Headquartered in Agawam, Massachusetts in a state of the art 50,000 square foot facility, Sound Seal has stayed true to this vision and consists of three product divisions. The Industrial division which deals with in-plant noise control, the Architectural division which handles interiors and the Impacta flooring division which deals with floor underlayments. For more information visit www.soundseal.com

Regupol America LLC, founded in 1954, an American subsidiary of German-based, BSW, is a third generation company is known for production of high-quality recycled rubber specially formulated to control noise and vibration. The company uses over 115M pounds of rubber in the manufacturing process with product distribution in over 100 countries. Regupol America's rubber-based flooring is made of 100% postconsumer tire rubber, post-industrial EPDM rubber and additional renewable resources. For more information visit www.regupol.com

'The Original Regupol Rubber – Accept no Imitation'

— WebWireID107900 —

Amid much buzz in the market place regarding ease of implementation of these strategies, Jack Bosch has agreed to release his flagship product to the public and the premier online tax foreclosure authority, LandProfitGeneratorBlog.com, has revealed their official bonus package for investors hungry to dominate the tax foreclosure arena.

"At any given point in time there are between 12 and 15 million tax delinquent properties in the USA and the majority of all of my deals, as well as my student's deals, did NOT have any outstanding back taxes," stated Jack Bosch, creator of Land Profit Generator. Investors have been flocking to LandProfitGeneratorBlog.com in an effort to secure their own piece of the American Dream by investing in (oftentimes) free and clear tax foreclosure properties for pennies on the dollar, which yield a much higher return on investment than mere tax lien certificates.

With the aid of this ground-breaking Land Profit Generator Bonus Package, new and seasoned investors alike will be able to arm themselves with all of the resources necessary in order to become a successful, highly profitable tax foreclosure investor in record time. This appears to be a rare and very limited opportunity to discover many highly secretive investing strategies previously only known to a few 'insider' investors scattered across the country.

For more information on the Land Profit Generator Bonus Package and to learn how to invest in tax foreclosure properties for maximum profits from the nation's leading experts, visit http://www.LandProfitGeneratorBlog.com

— WebWireID107790 —

At the HP-sponsored Young Professionals Network event tonight, the company will showcase the winners of its fifth HP Real Estate Technology contest, which recognizes real estate professionals who have gained a competitive advantage by using technology both in and out of the office.

In addition, HP and REALTOR® Magazine have opened the search for five association members to participate in their first-ever national marketing challenge, 'The Marketing Makeover: Stage Your Business for Success.' The REALTOR who wins will receive a prize package worth $4,000 and be featured in the magazine.

HP Real Estate Technology contest winners

The grand prize winner of this year's HP Real Estate Technology contest is Erin Attardi, owner of Lyon Real Estate in Sacramento, Calif. An aggressive Internet strategy, including multiple websites and a blog, differentiates Attardi's business from others in the region. In 2008, 53 percent of closed transactions were a direct result of Attardi's Internet strategy.

Attardi won an HP Mobile Office with an estimated value of $3,840.(1) The package includes an HP EliteBook 2730p Notebook PC, HP Mini 5101, HP Officejet H470wbt Mobile Printer, HP External USB CD/DVD R/RW Drive and HP 90W Smart AC/Auto/Air Combo Adapter.

First place winner Brett Keppler, broker/owner of TREO, REALTORS, in West Chester, Ohio, won an HP Mini 5101. At the hub of Keppler's business is an online portal system that allows agents to manage transactions from any location at any time. TREO, REALTORS, conducts many transactions electronically, saving time and increasing efficiency.

Additional winners of an HP Mini 5101 include Steve Fiorella, REALTOR, RE/MAX Results of Apple Valley, Minn.; Lindsay Dofelmier, owner, Urban Agent Team LLC, Garden City, Idaho; and Jonathan Kauffman, broker/owner, Nest Realty, Charlottesville, N.C.

'The innovative real estate professionals who won HP's contest are leading the charge by clearly illustrating to their peers the relevance and value of using the right technology,' said Lisa Hopkins, manager, vertical marketing – Americas, HP. 'Real estate professionals require reliable, efficient and productivity-enhancing technology that moves seamlessly from office to road, and HP's solutions – on display at the HP booth – are designed specifically to meet these needs.'

HP and REALTOR Magazine's Marketing Makeover Challenge

This competition will test the skills of five REALTORS, who will use HP products and services to develop new marketing materials for their businesses, such as logos, business cards, flyers and leave-behind materials.

'In today's market, professional-looking marketing materials can mean the difference between a listing and a sale,' said Stacey Moncrieff, editor-in-chief, REALTOR Magazine. 'HP's lineup of products and support tools provides real estate professionals with ways to create an impressive, yet cost-effective, brand image.'

To enter the challenge, REALTORS must submit a 200-word essay explaining why they would like a new business image. Finalists will be selected in January and have six weeks to develop new marketing collateral using products and support services provided by HP. During this time, they will blog about their experiences, sharing information about how the technology works and what customers are saying about their new marketing materials.

The grand prize winner will be determined in March by public votes and judges' review of a special contest blog, where visitors can see the new brand image for each REALTOR. The winner will receive a year's supply of HP inkjet cartridges and paper, a $1,000 credit with MarketSplash by HP, an HP ProBook 4310s Notebook PC, HP w1858 18.5-inch Diagonal HD Ready Widescreen LCD Monitor, HP USB 2.0 Docking Station, HP Officejet Care Pack and complimentary access to the National Association of REALTORS e-PRO® Certification Course.

The 'Marketing Makeover' challenge is accepting entries through Dec. 30 and is open to all active members of the National Association of REALTORS.

Submit an entry or learn more about the terms and conditions of the challenge at www.realtor.org/realtormag/MarketingMakeover, or stop by HP booth 1735 at the 2009 REALTORS Conference.

Best-selling mobile and broker office solutions

During the conference, HP is exhibiting technology that addresses the specific needs of real estate professionals. These include a mobile real estate professional bundle(2) and a virtual broker's office bundle,(3) as well as the new HP ProBook 5310m Notebook PC, the world's thinnest full-function notebook.(4)

These products are supported by the HP Total Care portfolio, which encompasses the services, tools and options for every stage of a computer's life – from purchase to recycling.

Also featured at HP booth 1735 will be presentations by industry experts Dave Beson and John Mayfield. Representatives from Microsoft will be onsite at the booth, demonstrating the newly released Windows® 7 operating system.(5)

More information about HP's real estate solutions and offers available exclusively for association members is available at www.hp.com/go/realestate.

About HP

HP creates new possibilities for technology to have a meaningful impact on people, businesses, governments and society. The world's largest technology company, HP brings together a portfolio that spans printing, personal computing, software, services and IT infrastructure to solve customer problems. More information about HP (NYSE: HPQ) is available at http://www.hp.com/.

(1) Estimated U.S. street prices. Actual prices may vary.

(2) Mobile Real Estate Professional Bundle: HP Mini 5101, HP iPAQ 910c Business Messenger, HP EliteBook 2730p Notebook PC, HP Officejet H470 Mobile Printer, HP 90W Smart AC/Auto/Air Combo Adapter, and HP 12C Financial Calculator.

(3) Virtual Broker's Office Bundle: HP Color LaserJet Printer CP3520, HP Scanjet N7710 Scanner, HP Color LaserJet CM2320 or CM3530, HP Officejet H470 Mobile Printer, HP Mini 5101, HP ProLiant Solutions for Server, HP iPAQ 910c Business Messenger, HP EliteBook 2730p Notebook PC and HP dx9000 TouchSmart desktop PC.

(4) Thinnest standard voltage notebook when measured at its thickest point.

(5) Systems may require upgraded and/or separately purchased hardware and/or a DVD drive to install the Windows 7 software and take full advantage of Windows 7 functionality. See http://www.microsoft.com/windows/windows-7/ for details.

— WebWireID107722 —

McFarlin says: 'Oftentimes bad things happen to good people that are outside of their control, and the more heartfelt, sincere, and genuine the hardship letter, the better. This hardship letter explains a (temporary) problem due to some event. It should be backed up with evidence and there must be proof that it is a temporary setback. Some examples of a hardship may be large unexpected medical bills, a divorce, loss of job or cut-back in income, business failure, death in the family, or a temporary disability.'

The last thing banks want to do is to take people's homes. They do want the borrower to get back on track and start making payments again. The letter does not have to be more than a couple paragraphs, or go into a great amount of detail. Just explain what the problem was, the effect it had, and what is being done to solve it. The video goes into more detail and can be viewed on Podcast Alley; or visit Mcfarlin & Geurts website for more information regarding loan modifications.

McFarlin & Geurts LLP is a full service law firm representing both businesses and consumers in California, and in some cases, throughout the United States. They practice in both state and federal courts in a variety of practice areas including both litigation and transactional matters.

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— WebWireID107682 —

As part of the project with Customer Effective, CAPTRUST created an online fiduciary management tool for retirement plan sponsors – the first of its kind in the industry. The company was also able to build a portal for financial advisors twice as fast than with any other development strategy.

'We sought out a technology solution that would make our processes more efficient and consistent across all client touch points and let us make rapid changes,' says Garrett Klas, Application Development Manager at CAPTRUST. 'With xRM and the expertise offered by Customer Effective, we are able to better support the expansion of our business with unique advisory tools that we can get to market quickly.'

About Customer Effective

Customer Effective, with headquarters in Greenville, S.C., is a leading innovator in customer interaction solutions based on Microsoft Dynamics Customer Relationship Management (CRM). The company is a Microsoft Gold Certified Partner, CRM Consultant and Solution Implementer having completed hundreds of Microsoft CRM implementations and development projects. Recent CRM and Microsoft awards include recognition as the 2009 Microsoft Dynamics Financial Services Partner of the Year, being named to the 2009 Microsoft Dynamics President's Club, recipient of the 2008 and 2009 Microsoft Dynamics Inner Circle distinction, and member of the 2008 Inc. 500 list. For more information, visit www.CustomerEffective.com.

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— WebWireID107670 —

In a recent blog post on www.dennistubbergen.com, Tubbergen explains why reports of a housing market recovery are being viewed by many with skepticism.

Tubbergen cites a recent article written in September by Chris Martenson, a writer and commenter on economic matters.

Martenson explains that when a prospective homeowner wants to purchase a home, he or she typically needs to get that loan from a mortgage lender. That lender, after loaning the new homeowner the needed funds, typically sells the mortgage to another institution who sells it to yet another. This process continues until at some point there is an 'end holder' of the mortgage.

The lending bank rarely holds the mortgage. Instead, the modern banking model is far more profitable making loans and selling them, freeing capital to make additional loans instead of holding them as part of the bank's portfolio.

According to Martenson, year to date through August of 2009, 3.2 million existing homes were sold at an average sale price of $217,000, and 263,000 new homes were sold at an average price of $264,000. Assuming all of these properties were purchased with a 20% down payment, there was new mortgage volume through the first 8 months of the year of about $611,066,000,000, or $611 billion.

The Federal Reserve's website reports the central bank purchased $624 billion worth of mortgage backed securities so far in 2009.

What does this mean? The Federal Reserve isn't just playing a role in the housing market – it HAS BECOME the housing market. It appears the government is spending more money than it's taking in.

Where does the Fed get the money to do this? The Federal Reserve holds a portfolio of US Treasuries, or government IOU's. So basically the US Government, or rather the US Taxpayer, is behind the housing market recovery, Tubbergen explains.

Which makes any rejoicing about the Housing Market 'Recovery' premature.

To learn more about Tubbergen's views on the market, read www.dennistubbergen.com.

USA Wealth Management, LLC, is a federally registered investment advisory company. The opinions expressed herein are those of the writer and not necessarily that of the above noted company. This update may contain forward-looking statements, including, but not limited to, statements as to future events that involve various risks and uncertainties. Forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause actual events or results to differ materially from those that were forecasted. Information obtained from third party resources is believed to be reliable but the accuracy cannot be guaranteed.

This information is educational in nature and, therefore, is not intended to constitute investment advice and should not be interpreted as a recommendation to purchase, sell or hold a particular security. Prior to making any investment decision, the services of an appropriate professional should be sought as investment related recommendations are dependent upon the personal situation of each individual investor. Investing in market related securities involves a risk of principal loss.

— WebWireID107605 —

Now, however, more mortgage money is becoming available, and many community banks are being much more understanding when it comes to circumstances outside the norm. With New Jersey home prices down an average of 21% from their peak, and with some areas down as much as 35%, it's a good time to be a buyer. All of which is good news for those who want to purchase homes or trim their mortgage rates, especially since interest rates are still at historical lows.
According to Marc Sovelove, the chief retail lending officer for Unity Bank, a community bank with branches in Central Jersey and Pennsylvania, many area homeowners would do well to review their mortgage with a community bank officer at this time.

'We've had many people come to us who thought they were stuck with a high interest rate,' says Sovelove. 'Many of them had been turned away by larger banks and finance companies because of some small complication with their title, property or credit history; but we looked at the big picture and found them to be great candidates for a new mortgage.'

For homeowners looking to finance a number of criteria generally apply. Bank regulators consider any credit score below 660 to be subprime. The FHA minimum credit score is 620. Currently, average credit scores have dropped below 680, which is the Fannie Mae requirement. Mortgage insurance companies are not offering mortgage insurance on loans with credit scores under 720. Mortgage insurance is required on loans being sold to Fannie Mae/Freddie Mac with less than 20% down payment or equity. Stated income programs for self-employed borrowers have disappeared from the secondary markets. All this adds up to many borrowers not being eligible for loans which will be sold to Fannie Mae or Freddie Mac. Often the consumer is not aware of the fact that community banks generally hold their loans; as such they can be very flexible with terms and conditions.

'Loans generally have a story,' says Marc Sovelove, 'because most often they have a good reason for not fitting the mortgage mold. That's why here at Unity we don't just look at a sheet of facts and figures. We listen to our customers and come up with solutions for their financial need.'

Unity Bank has branches in Hunterdon, Middlesex, Somerset, Union and Warren counties in New Jersey, and Northampton County in Pennsylvania. The bank began as First Community Bank in 1991 with two branches and thirty employees. It now has over one hundred and sixty employees.

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— WebWireID107568 —

Denver, CO, November 11, 2009 -- In 2010 millions of Americans will be able to do something they have never done before—convert their IRA into a Roth IRA account. Current 2009 limitations do not allow anyone who makes more than $100,000 per year to convert their traditional retirement funds into a Roth IRA.

However, beginning in 2010, the Roth IRA conversion restrictions are being lifted. But is this really a good thing for taxpayers?

'Roth IRAs are a bad idea for taxpayers because they are paying taxes now in order to avoid paying taxes on distributions that are taken later,' said Jeff Nabers, CEO of Nabers Group. The problem is partly the economic crisis that we are in. 'It makes sense if we were in a commodity-based monetary system, but we're not. We have a fiat currency system that creates an inflationary environment in which Roth conversion is a good deal for the government and a bad deal for the taxpayer.'

Additionally, the Roth IRA conversion can be costly for the taxpayers. If they opt to convert their traditional IRAs to Roth IRAs, the IRS will view this as a taxable event. Accountholders will be taxed based on the entire conversion amount for their current tax bracket. The income taxes due on the 2010 conversion can be spread over two years. However, future conversions must be included in income reports to the IRS and will be taxed during the tax year in which the conversion is completed.

Nabers cautions his clients to carefully look at all their options when considering the Roth IRA conversion. He suggests, 'Instead they should continue using their non-Roth Retirement accounts for the maximum tax benefit.'

Nabers, the author of 'Five Steps To Freedom: How to Cut Your Dependence on Institutions and Escape Financial Slavery', points out that the most important thing that taxpayers can do in these economic times is to find alternative investment solutions. 'We're likely heading into an era of significant inflation. I recommend that people seek alternatives to volatile Wall Street Securities and dollar-denominated assets in general.'

'The action that I recommend is to get more educated on the matter and look at both sides of the story before making a decision,' said Nabers. He says deciding to convert to a Roth IRA could cost individuals hundreds of thousands of dollars. 'Before paying taxes using half of your savings, wealth, or retirement account, consult experts about all of your options. What you don't know could hurt you — so seek knowledge and information – so that you can make an informed decision that you won't regret.'

About Jeff Nabers and Nabers Group

Jeff Nabers has been highly sought after for his financial expertise for several years by countless organizations, including Entrepreneur Magazine, the Los Angeles Times, and Pensco Trust to name a few. As the founding member of the IRA Association of America, he brings integrity back to the business of investing.

The Nabers Group is available to consult with individuals regarding their savings plan, with answers about all aspects of Self Directed Planning. Those seeking more information on investing their retirement accounts in a Roth or Conventional IRA may contact the Jeff Nabers at Nabers Group at http://JeffNabers.com, where there is an abundance of information on investing and finances.

CONTACT:

Nabers Group
Phoebe Chongchua
621 17th St #2100
Denver, CO 80293
858.259.3646
www.Nabers.com
www.FiveStepsToFreedomBook.com/ (July 2009)

— WebWireID107475 —

AUSTIN, TX – Austin entrepreneur Jeff Chambers, former U.S. product director for HomeAway, Inc., has acquired PropertyMaps.com, a leading residential real estate search engine. The terms of the deal were not disclosed.

Real estate has been one of the hardest hit sectors during the recent slow down in the US economy. However, that pressure created a unique opportunity for Chambers to redefine the structure of a successful real estate company to best serve customers in an evolving marketplace.

'Despite the struggles in residential real estate over the last two years, we believe PropertyMaps.com's superior technology platform gives us the ability to enter into the market and compete on the national stage. We will leverage our technical expertise to connect consumers, agents and advertisers like never before, and we'll do it in a more capital efficient way through strategic partnerships and acquisitions,' says Chambers, chief executive officer of PropertyMaps.com.

PropertyMaps.com provides the best real estate search tools and local information to help buyers locate homes. This combination of services allows for a smooth transition from searching online to working directly with an agent.

Unlike most real estate search sites, service at PropertyMaps.com doesn't stop on the web. PropertyMaps.com is a licensed broker in the Texas and works with real estate agents across the country to provide the essential face-to-face service that customers desire.

"Working with local real estate professionals is a key component of our business," says Chambers.

PropertyMaps.com is currently hiring top agents and partnering with independent brokerages across the U.S., and expects to have both an online information and offline agent presence in more than 1,000 cities by the end of the year.

The company's growth strategy includes expansion into targeted international markets in 2010. 'We will continue to evaluate other verticals in which we can apply the PropertyMaps.com technology and expertise and work to identify key strategic partnership and growth opportunities,' says Chambers.

About PropertyMaps.com
PropertyMaps.com helps consumers find real estate information and connects them with a professional real estate agent when they are ready to tour a home. In addition to homes for sale, they also display local points of interest on the map across 32 different categories, such as, grocery stores, schools, restaurants and hospitals.

A licensed brokerage in the state of Texas, PropertyMaps.com works with local real estate boards and the Multiple Listing Service (MLS) databases used by real estate professionals nationwide to give consumers the most accurate, complete and current information possible about homes, neighborhoods and surrounding services.

PropertyMaps.com is a privately held company based in Austin, Texas. For more information, please visit http://www.propertymaps.com.

Contact:
Press Group
PropertyMaps.com
512-791-3527
pr@propertymaps.com

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— WebWireID107473 —

HomeLoans-SouthAfrica.co.za is a loan facilitator that works with several lenders to help individuals and couples get the financing they require to purchase a home. They also help customers seeking to get better terms by refinancing an existing mortgage loan. The upturn in new home loans is good sign that the economy is about to begin its recovery from the recession that has slowed down economies all around the world.

Due to economic factors, new home sales have been down all around the world for at least the last two years. Any increase in these numbers can be taken as a good sign.

Individuals looking for a home mortgage loan in South Africa can learn more about the process and get offers from different lenders by visiting http://www.homeloans-southafrica.co.za and filling out a form with contact information. Anyone interested in learning more about the company or the content of this release may contact

Natasha Rietveld

Justin Harrison Marketing

+1 (973) 552-4571

Mendham, New Jersey, USA

— WebWireID107466 —

Cerca Marketing Inc. today announced it has entered into a long term internet marketing partnership with Distinctive Bathroom & Kitchens, an Orleans-based home speciality center with one of the largest showrooms in the Ottawa area. Distinctive Bathrooms recently launched its new website and eagerly anticipates taking further advantage of Cerca Marketing's extensive experience in full internet marketing services, site design, development, and search engine optimization services.

'We offer our customers superior service, unique designs and unparalleled craftsmanship,' said Francois Lanthier, Store Manager for Distinctive Bathrooms, 'and we chose Cerca Marketing as our web marketing partner because they display a similar pride in their dealings with customers. Their talented team created an online destination for our customers that accurately matched our vision, and their expertise in web development and full service internet marketing has helped us expand our reach into our community.'

'Distinctive Bathrooms & Kitchens offers a one-stop shopping experience, and we're pleased that our full service internet marketing programs have enabled them to showcase their wonderful products and services,' said Sylvain Charron, president of Cerca Marketing. 'Our experienced team of web designers, web developers and internet marketers is looking forward to a creative and collaborative relationship.'

As the importance of the internet and social media continues to expand, both Cerca Marketing Inc. and Distinctive Bathrooms will continue to work together to identify new opportunities.

About Cerca
Cerca Marketing Inc. is a Ottawa full service internet marketing firm offering to public and private sectors innovative web-driven internet marketing solutions: web site design, web site development, dynamic CMS content management system solution implementations, social media interactivity programs, internet search engine marketing, search engine optimization, web site analytics, and Google paid search advertising campaign services that guarantees results.

For more information about Cerca's Search Engine Marketing and Optimization offerings, please visit www.cercamarketing.com.

About Distinctive Bathrooms & Kitchens
From humble beginnings atop a local decorator store, Distinctive Bathrooms & Kitchens has grown in both size and prominence, and now has one of the largest showrooms in Ottawa. With an extensive selection of fine tile, fixtures, cabinetry and accessories, Distinctive Bathrooms offers its customers the convenience of one-stop shopping and prides itself on its excellent service.
For more information about Distinctive Bathrooms & Kitchens visit their website at www.dbkottawa.com.

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Austin, Texas November 10, 2009 - The First Time Homebuyer Credit was signed into Law in February 2009 to help stimulate the slumping housing market. The original Bill contained an $8000 tax credit for first time home buyers who purchased a home between January 1, 2009 and November 30, 2009. This past Friday the $8000 tax credit was extended past the November 30th deadline.

This extension will extend the tax credit to include contracts signed by April 30th and are closed by June 30th next year. In addition, the extension will include a $6500 tax credit to those who have had a least 5 years of consecutive homeownership 5 out of the last 8 years. "Therefore, this extension not only benefits first-time homebuyers, but also homeowners, says Kenn Renner, first-time home buying expert with www.BuyAustin.com.

Mr. Renner says his office had been inundated with calls about the first extension. With the credit having been extended he said, "The fact there is a cutoff for contract leads me to believe that this will not be extended again. So anyone who is eligible and wants to take advantage of the tax break needs to take action sooner than later."

Kenn Renner reminds those who want to take advantage of this extension that there are a few rules that new homebuyers need to be aware of:

1. Homes must be under contract for purchase by April 30th, 2010 and close by June 30, 2010.
2. Home buyers can receive the tax credit by amending their current tax returns, thus not having to wait until filing their tax returns next year and receiving the credit quicker.
3. Income limitations have been expanded.
4. The tax credit is no longer limited to just first time home buyers (considered those that have not owned a primary residence in the past 3 year), repeat home buyers that qualify and have lived in a primary residence for 5 out of the past 8 years qualify.
5. New or resale, Single Family, Condos & Townhomes all qualify for the credit as long as they become primary residences.

It is projected that 1.8 million homebuyers will benefit from the first time homebuyer credit by the end of this November. The National Association of Realtors believes approximately 355,000, nearly 20%, would not have purchased their new home without the First Time Home Buyer Program.

About Kenn Renner:

Kenn Renner moved to Austin, Texas in 1992, after visiting and finding Austin a bargain real estate area. Impressed with the people and the opportunity that existed in this area, he moved to Austin and opened his real estate company. Kenn Renner has an extensive background when it comes to real estate. Since 1983, he has sold over $200 million in real estate. $80 million of the sales were between 2005 and 2007. He has been a frequent guest on 'House Hunters', an HGTV show that features buyers looking to purchase their dream home.

Later this fall, Kenn is releasing his new book with Realty Press International as the publisher. Kenn's book is appropriately titled 'First Time Home Buying Secrets Revealed' (www.FirsttimeHomebuyingSecrets.com). To take advantage of this first time home buyer credit, contact Kenn Renner by visiting www.FirsttimeHomebuyingSecrets.com or call 512-218-1202.

Press Release edited and distributed by www.BestOnlineResults.com.

Kenn Renner
Broker/Speaker
Keller Williams Realty, Lake Travis
1921 Lohmans Crossing
Austin, TX 78634
Phone: (512) 423-5626 (call or Text)

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November 10, 2009, Austin Texas, Kenn Renner has long been the top producer for one of the most desired real estate locations in Central Texas, Avery Ranch. The popular Avery Ranch was much awaited when it first opened in 2000, with Kenn selling 17 homes the first day that Avery homes went on sale.

In addition to the traditional items found on a real estate website, Kenn states that his site gives extensive history of Avery Ranch, provides videos and provides additional information on multiple aspects of home buying. Kenn provides seminars as well, with more information available on his new website www.BuyAveryRanch.com.

Kenn has now dedicated an entire website to this premium real estate location. Kenn says, "Avery Ranch has over 4000 homes and over 1800 acres, with an award winning golf course and club house." He highlights the amenities on his site, such as the pools and beautiful outdoor recreation opportunities. In addition to these amenities, there are playscapes, tennis courts - and an outdoor amphitheater.

In the Avery Ranch predevelopment stage, Kenn had visited one of original homes, and was attracted to the history of the Avery Ranch location. During this time, Renner states that he walked nearly all the lot lines personally and watched almost all of the homes being built. Kenn embraces the rich history of Avery Ranch, as it is a "true icon of central Texas." Kenn states that the developers managed to "preserve the integrity of the Texas Hill Country experience," while still giving residents a great place to live, shop and work.

With over 200 home closings in the Avery Ranch since the golf course community opened, Kenn has sold more homes than any other realtor in the Avery Ranch location. As a top performer, his new website allows home buyers and sellers to view and market properties.

Kenn's new website, www.BuyAveryRanch.com, is dedicated not only to the established neighborhoods in the Avery Ranch Real Estate, but also features the new additions of Pearson Place and Avery Station. "These two new developments," says Kenn, "are just south of Avery Ranch," and Avery Ranch's "legacy continues to grow" as this area remains one of the top selling areas in central Texas.

Buyers and sellers alike are continuing to benefit from Kenn's experience as he launches his new website to showcase not only the homes available in the beautiful Avery Ranch, but he highlights the new developments happening in the community as well. Avery Ranch homebuyers and sellers alike can easily view the homes for sale and comparison shop.

Visit either one of his websites for more information on buying or selling a home in Avery Ranch or one of the new additions of Pearson Place or Avery Station. www.BuyAustin.com or the site specifically for Avery Ranch - www.BuyAveryRanch.com to find useful information.

More About Kenn:

Kenn Renner has extensive experience as an Austin real estate agent, agent and educator. With over $200,000,000 in residential sales closing, he is one of the top performers in Austin. Kenn has been featured on HGTV House Hunters and provides first time home buying and investing seminars teaching homebuyers how to purchase homes.

For more information on purchasing a home in the Avery Ranch Community or listing with Mr. Kenn Renner, visit his new website www.BuyAveryRanch.com or call him directly at 512-423-5626.

Learn more about Avery Ranch at http://www.youtube.com/watch?v=5LMh9X5NOro.

Press Release edited and distributed by http://www.BestOnlineResults.com

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"We have made a number of strategic investments in our organization," said Dave Lowman, head of home lending at Chase. "We have invested in new systems, aggressively grown our capacity and now are looking to increase our sales force. With our vast branch network and growing customer base, the opportunity for Chase loan officers is tremendous."

New loan officers will serve customers through bank branches in 23 states -- including key states such as California, Florida and Texas and key metro areas such as New York and Chicago - as well as metro markets outside the bank's branch footprint, such as Boston, St. Louis and Washington D.C. They will help consumers meet their home financing needs by working with personal bankers and referral sources, such as real estate agents and builders, as well as with their own network of homeowners.

"With nearly 5,200 bank branches -- one of the largest networks in the country -- we need to ensure each branch has seasoned mortgage professionals to help meet the needs of their communities and is well positioned when the housing market fully recovers," said Lowman. "We see the mortgage business as core to our relationship with consumers and expect to be a major leader in the industry for many years to come."

Chase's home lending team is well-equipped to serve consumers:

* The financial strength of parent company JPMorgan Chase enables it to continue to lend prudently to an array of customers - from exclusive union member relationships, to being a top FHA mortgage lender, to having a strong jumbo portfolio capability.
* Chase is the nation's third-largest lender, originating $37.1 billion in mortgages in the last quarter.
* 43 percent of U.S. households are near a Chase branch.
* 55 percent of the nation's real estate offices are within five miles of a Chase branch.
* Its new patent-pending Chase Exclusives 1% Mortgage Cash Back offer can save homeowners thousands and shorten their mortgage by months by paying them 1% of their scheduled monthly principal and interest mortgage payment annually.

For more information on open home lending positions at Chase and also to apply, please visit www.jpmorganchase.com/careers

About Home Lending at Chase:
Drawing on its 200-year legacy of integrity, strength and financial resources, Chase helps families achieve and sustain homeownership. Today, Chase originates home loans through more than 5,100 Chase branches, as well as mortgage offices, call centers, and through retail correspondent lenders in all 50 states. The company also services $1.1 trillion of home loans. Chase is the U.S. consumer and commercial banking business of JPMorgan Chase & Co. (NYSE: JPM). More information can be found at chase.com.

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Often, banks do not take the time to go over the different mortgage options available to their clients. Instead, they present the loan package that will result in the highest profit for the bank. Some consumers will accept this as the best means of financing their home without question, but many would prefer to look at other loan options and determine which will be best for them in the long run.

This is where bond originators come in. By acting as liaisons between consumers and banks, bond originators can talk to several banks at the same time and gather information about the mortgage loans available. They, then, sit down with their clients and explain each of the loan offers and how they will affect the customers in the long term as well as the short. In this manner, consumers are educated about the various types of mortgages available and how to obtain them.

For more information about mortgage loans and bond origination, visit http://www.bondcredit.co.za. For more information about the content of this release, contact

Natasha Rietveld
Justin Harrison Marketing
+1 (973) 552-4571
Mendham, New Jersey, USA

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