Category Archives: Profits

Profits

Debts, Financial, Financial Information, Investment, IVA, Loans, Money, Personal Finance, Profits

British Banks Continue To Put Pressure On Customer Finances

According to recent data released by the Financial Ombudsman Service (FOS), banks are rejecting thousands of requests every month from customers looking for help with their finances.

The Financial Ombudsman Service, which is an independently run service that deals with complaints from consumers and businesses in the financial industry, revealed that 13,053 cases were brought to its attention from consumers looking for more leniency from their banks. Debt management and IVA company Debt Free Direct expect to see this number of complaints increase in 2010 as thousands of individuals sought debt advice with the company in Q1 of 2010.

Derek Oakley, Insolvency Director at Debt Free Direct comments:

“We are continuing to see an increase in debt help enquiries from individuals worried about their finances. For many of these people, overdraft charges are adding to their already stretched budgets. We would always recommend that individuals seek professional debt advice if they find themselves struggling to pay their bills each month.”

Compared with just 2,800 similar complaints to the FOS in 2008, the 360 per cent increase in complaints may indicate the UK banking organisations are responding poorly to their customers needs during the economic downturn. In particular customers concerns include individuals in debt who are being charged fees on their overdraft facilities or insurance policy holders who have not been paid out on their claims.

Although traditional legal routes for reclaiming money lost through overdraft charges have now ended, there are still ways in which individuals can claim this money back if they are in financial difficulties. With charges of up to £35 every time the overdraft limit is exceeded, such fees could be contributing to furthering levels of personal debt for many customers in the UK.

According to the Ombudsman service, many banks will ignore individual’s pleas of hardship and refuse to suspend overdraft charges, renegotiate overdraft limits or restructure outstanding debts, despite this going against the industry lending code for personal banking. In the case of most complaints put forward to the Obmundsman, the customer will have already been refused a refund by their bank on any outstanding overdraft charges.

Debt Free Direct recommends the best course of action for anyone with financial worries is to seek professional, confidential debt advice. Many individuals may feel ashamed of their financial difficulties, but seeking advice is one of the first steps to becoming debt free.

They state, “Our aim is to suggest an effective debt solution for every individual using our Best Advice Model (BAM). BAM quickly and accurately analyses the financial information for each person and recommends the most appropriate, least drastic solution for them.”

Debt Free Direct, the UK’s leading Insolvency practitioners receive thousands of insolvency inquiries each month for debt advice. The company, which was founded in 1997 specialise in providing impartial debt advice and guidance for individuals in financial hardship.

Via EPR Network
More Financial press releases

Banks, Business, Currency, Financial, Financial Information, Financial Management, Financial Services, Financial Software, Financial Solutions, Forex, Investment, Money, Profits, Trading

Saxo Bank Launches Property Investment Products

Saxo Bank, the online trading and investment specialist, will now offer property investment products for both private clients and institutional investors through a new company, Saxo Properties.

Saxo Bank Launches Property Investment Products

The newly formed investment firm Saxo Properties, fully owned by Saxo Bank, will launch closed-ended funds for both high net worth clients and institutional investors. Two of the Danish real estate industry’s most well-known individuals, Jesper Damborg and Claus Klostermann, will respectively become CEO and managing director of investments at Saxo Properties.

“Initially, Saxo Properties will focus on handpicked Copenhagen residential, office and retail properties. The first fund will close within the next three months, but we intend to establish a number of funds with a significant ownership capital of at least DKK 250 million,” said Jesper Damborg.

Saxo Bank’s business model is often described as a facilitator model where the bank through its trading platforms offers liquidity, products and services to clients as obtained from other financial institutions. Saxo Properties will use the same model. Saxo Bank has hired Flemming Schandorff, the former COO of ISS, one of the world’s largest commercial providers of facility services, to a similar position at Saxo Properties to facilitate administration of the estates.

“First and foremost, Saxo Properties will prioritize achieving attractive market returns, but we will also focus on how to capitalize on tight cost control and good management, such as rebuilding, mixed lease and general maintenance,” said Jesper Damborg.

Saxo Bank’s CEOs and founders, Kim Fournais and Lars Seier Christensen, said in a joint statement: “Saxo Bank holds asset under management of DKK 40 billion, and our focus on asset management has proved a great success. Many clients have asked for property investment products and there is also a clear synergy between Saxo Asset Management and Saxo Properties, which we can now utilize. Many properties are traded at a low price especially in Copenhagen, so the timing is right to expand our asset management to include property investment products.”

Last year, Saxo Bank bought Sirius Asset Management, Capital Four and 51 percent of Global Evolution. The three companies now form Saxo Asset Management, which has management expertise for Danish bonds, Danish equities, corporate bonds and emerging market bonds.

Via EPR Network
More Financial press releases

Banks, Business, Currency, Financial, Financial Information, Financial Management, Financial Services, Financial Software, Financial Solutions, Forex, Investment, Money, Profits, Trading

Agricote And Saxo Banque France Partner

Saxo Banque France, the online investment and trading specialist, has announced an exclusive partnership with Agricote, the agricultural broker, allowing farmers to manage their selling prices and negotiate agricultural or commodity futures and CFDS online using the award winning SaxoTrader platform.

The partnership with Agricote reflects the evolution of the agricultural industry, and the reality that a new generation of farmers want to control their production and sales, using futures to hedge their output and manage risk. Using SaxoTrader, the partnership enables both producers and buyers to manage market volatility and trade agricultural futures and CFDs online 24 hours a day, with access to 23 stock exchanges.

Commenting on the partnership, Pierre de Perthuis, co-founding partner of Agricote, said: “Our partnership with Saxo Banque will enable farmers to move forward and manage their own production and sales. Farmers no longer want to suffer from the pressures imposed by a volatile market, and seeing farmers taking positions on an online future trading platform is an innovative step forward for the industry. We are very proud to support these pioneers. Farmers are now able to control their destiny”.

Pierre-Antoine Dusoulier, CEO of Saxo Banque France added: “We are pleased to partner with Agricote and acknowledge that the agricultural industry is changing and needs strong support. Agricote was looking for a trusted partner and we met its requirements: Saxo Banque is a perennial French Bank and we have a highly efficient online trading platform and services for fast deployment.”

Main characteristics of the partnership:
– Privileged access to International Futures Markets
– Ability to adopt and implement own marketing strategy
– An appropriate account with user profile
– Trading account access via PC, website or cell phone
– Personalized assistance by Agricote
– A free demo account for 20 days

Farmers will be able to access their online trading platform via a dedicated page on the Agricote website.

Via EPR Network
More Financial press releases

Checking & Savings, Debts, Financial, Financial Information, Investment, IVA, Loans, Money, Personal Finance, Profits

Moneystand.co.uk: Take Advantage Of Saving Strategies

Savers must look for smart new ways to make the most out of their accumulated wealth in the midst of continual drops in saving rates. With easy access and notice accounts both dropping their rates in recent months, savers must act swiftly to ensure they make the most out of any savings they may have remaining.

For those relying upon savings accounts to support their income the consistently low rates of the past 12 months will have been particularly difficult to stomach. Moneystand.co.uk founder Matt Spencer suggests that there are ways around this reality for individuals willing to put in the extra effort to ensure they actually see a real return on their savings.

“Savvy consumers who assess how separate bank details can be played off one another are likely to see the best return on their savings. In these tough economic times, it is always important to make your money work as hard as possible.”

Some savings accounts, such as the Santander offer will reward you for making regular monthly payments in to their account; paying 6% as long as at least £1000 is deposited per month. Other banks, such as the Halifax are offering £5 per month payouts as long as a minimum £1000 monthly deposit is made.

Clearly logic implies that multiple accounts across banks will ensure maximum return and with both of these banks accepting direct transfer from other banks this technique is completely plausible. Many customers are already making use of this process to ensure that they acquire the saving rates they need to ensure they see a real return after tax and inflation are taken into account.

Moneystand suggests consumers must be wary not to fall into the overdraft facility if they do decide to take this approach. Multiple current accounts, all of which have had their overdraft facility used will reflect very negatively upon an individual’s credit rating and must be avoided at all costs. Proper planning must go in to making this decision to ensure that all accounts are clearing whilst still in the positive.

For the latest financial news and advice on individual voluntary arrangement, debt and insolvency issues visit our personal finance blog, http://www.moneystand.co.uk.

Via EPR Network
More Financial press releases

Banks, Business, Currency, Financial, Financial Information, Financial Management, Financial Services, Financial Software, Financial Solutions, Forex, Investment, Money, Profits, Trading

Trading Floor Launch News Widget

Trading Floor, the website featuring commentary by Saxo Bank’s strategy team, is launching a news widget – a ‘mini web site’ – allowing the latest stories from Trading Floor to be placed on any website or blog by pasting a few lines of computer code.

Trading Floor Launch News Widget

The widget is the first of several FX Tools under development that will be launched during 2010. The tools will support Trading Floor’s aim of providing the best knowledge to online traders in Forex trading, equities, FX options and CFD trading. The code can be copied from tradingfloor.com/FX-Tools and links are provided to help on how to add the code to the two of the most widely used blogging platforms.

Trading Floor’s strategy team writes posts throughout the trading day, starting with the opening of European markets to the close of Asian.

Trading Floor offers a range of news and market analysis including the daily trading stance which highlights the important signs to watch for in economic indicators and key levels for the major currency crosses, FX options and commodities. This includes a calendar for important earnings announcements and macroeconomic events. Trading Floor also publishes a wide range of reports covering macroeconomic indicators, and trading suggestions for FX and equities which are all free to download. Trading Floor also offers two to three interviews a week covering FX, equities and commodities. Commodities are covered with Ole Hansen on Wednesday and the FX and equity update is broadcast on Friday. Extra interviews are posted for significant macroeconomic indicators or reports.

Commentary on Trading Floor is written by Chief Economist David Karsbøl, Equity Strategist Christian Tegllund Blaabjerg and Forex expert John Hardy. Futures and Fixed Income expertise is provided by Ole S. Hansen and Alan Plaugmann. Also commenting are Market Strategist Mads Koefoed and Research Analyst Robin Bagger-Sjöbäck.

Via EPR Network
More Financial press releases

Business, Financial, Financial Services, Investment, Money, Profits

CSB Group and Zammit & Associates Advocates exhibit at the IGE 2010

CSB Group and Zammit & Associates – Advocates participated in the International Gaming Expo 2010, held at Earls Court in London between the 26th and 28th January, represented by Mr. Michael J Zammit – CSB Group CEO; Dr. Andrew J Zammit – Managing Partner of Zammit & Associates – Advocates; and Mr. Keith Kerr – CSB Group iGaming and Corporate Services Executive. The team expressed satisfaction from the continued interest from major international gaming operators in Malta as a hub for the regulation and operation of their gaming activities.

CSB Group and Zammit & Associates Advocates exhibit at the IGE 2010

As one of the leading corporate service providers in Malta, CSB Group has now been involved in Malta’s iGaming industry since its inception. Mr. Zammit emphasised the importance of major exhibitions like the IGE 2010, as they provide Maltese service providers the opportunity of promoting Malta as an established and well regulated European gaming jurisdiction to a high-calibre, international audience. Apart from assisting gaming operators with the submission and pursuance of their gaming licence application with the Lotteries and Gaming Authority (LGA), the Group assists the gaming operators relocating to Malta with other key services like recruitment. More than 2,500 people work directly in the iGaming industry in Malta with half of that number being Maltese nationals. CSB Group’s recruitment unit ensures that gaming operators relocating to Malta find the right people to fit their requirements and culture.

This year’s IGE 2010 was a huge success attracting over 20,000 visitors with over 250 companies showcasing their products and services. CSB Group is proud to have been part of the exhibitors present and Mr. Zammit expressed the intention of the Group to continue participating and exhibiting in major events like the IGE to further develop its business and maintain Malta’s good reputation as a centreer for excellence in the professional service industry.

Dr. Andrew J. Zammit, speaking on behalf of Zammit & Associates – Advocates, also expressed his satisfaction with the opportunities presented at the London expo. “As one of the main events on the iGaming calendar, IGE 2010 was an ideal platform to promote our legal services and meet with prospective clients showing interest in relocating their business to Malta”, he said. He was pleased to note the strong participation of Maltese service providers at the expo, from several industries involved in supporting the remote gaming industry. However, he expressed concern that whilst the private sector continues to make significant investment in attracting operators to bring distinct components of their business to Malta, there does not appear to be a corresponding effort being made at the highest levels of the Maltese Government.

He indicated that there is a perceived lack of pro-active participation by the Government on the European plane to defend Malta’s position as a European remote gaming hub and to develop suitable policies and regulatory guidance to accommodate changing requirements in a fast-moving industry. “If Malta is to retain its position as the leading remote gaming jurisdiction within the EU, the Maltese Government must be able to effectively address the significant challenges presented by the need to dovetail Malta’s regulatory regime with other jurisdictions as a result of the increased internationalisation of remote gaming networks, revise regulatory policies in the light of opportunities presented by new technologies and changing business models, and stave off increased pressure from other EU Member States seeking to impede the freedom of movement of services for what appear to be the wrong reasons. Admittedly, addressing each of these challenges is a significant task and requires careful attention if Malta’s credibility as a reputable regulatory jurisdiction is to be preserved. However, it is certainly not realistic to expect the Gaming Authority to deal with all of these developments, in addition to performing its day-to-day regulatory functions, without increasing its current staff complement and involving industry stakeholders and independent external consultants with a view to establishing rigid time-frames within which new policies are developed. If complacency and procrastination become order-of-the-day, there is a real risk that this industry will dissipate from our island” he said.

He concluded by adding that Maltese professionals have earned a very good name for the level of service provided to these international operators basing significant parts of their business in Malta and that Zammit & Associates- Advocates will certainly be attending IGE 2011 in the hope that in the course of 2010 appropriate regulatory policies will be published by the Authority with the support of the Government with industry requirements being kept clearly in mind.

Via EPR Network
More Financial press releases

Debts, Financial, Financial Information, Investment, IVA, Loans, Money, Personal Finance, Profits

Consumer Price Index Rise Hits UK Savers Pockets

With bank rates predicted to stay low for the next 12 months, savers are in an increasingly tricky situation, according to personal finance website MoneyStand.co.uk.

As the Consumer Prices Index (CPI) is often greater than the savings account interest rates, MoneyStand.co.uk believes some individuals are actually poorer in real terms by keeping money in certain accounts. The UK website, which focuses on giving advice and information on personal finance, debt solutions, and IVA, has stated that simple and well thought out decisions can make all the difference to consumers in these instances. These are particularly testing times for those who live off the interest of their accumulated wealth to subsidise their pension.

Due to the low interest rates affecting most banks within the UK and the erosive affects of rising inflation, individuals with savings are feeling the brunt of the economic downturn. Even with substantial savings, British savers are missing out on a solid return on their investments once tax is taken into account.

With the Consumer Prices Index rising to 1.9 per cent, basic rate taxpayers need their banks to provide a minimum savings rate of 2.375 per cent before seeing any real return on their investments, and higher rate tax payers need a sizeable 3.166 per cent to see a return. In reality, currently only 9 out of 744 variable rate savings accounts available in the UK actually offer an interest rate higher than this. Compared with November, when 69 out of 744 accounts paid above this rate, experts argue that banks are profiteering at the expense of their customers, warning that the situation will now get even worse for the basic rate taxpayers.

Following a widespread media campaign for better deals for UK savers, the UK government has promised to start taking action against these low yield savings accounts. Despite these claims, Moneystand.co.uk suggests that UK individuals will soon have almost no reason to save.

Founder Matt Spencer said, “Due to the worsening interests rates offered by the banks, we have approached the stage where taxpayers are better off investing their money into gold bullion than they are with savings accounts.”

“Due to the Consumer Prices Index rising beyond economists’ expectations from 1.5 per cent to 1.9 per cent last month, basic rate taxpayers will also feel the knock on effects of the increase for some months to come. Economists have attributed this to amongst other things, rising fuel and energy costs.”

Personal Finance weblog MoneyStand.co.uk has been providing unbiased personal finance, IVA and debt related information since early 2008 specifically to help people through these testing financial times. The authors realise people are facing particularly pressing financial times and seek to alleviate this where possible by providing clear and easy to understand information.

“In times of recession individuals and families often overlook simple financial decisions that can make huge differences to their financial health.” Matt Spencer explained, “Our aim is to highlight and offer financial advice on these sensitive topics.”

For the latest financial news and advice on IVA, debt and insolvency visit our personal finance blog, http://www.moneystand.co.uk.

Via EPR Network
More Financial press releases

Debts, Financial, Financial Information, Investment, IVA, Loans, Money, Personal Finance, Profits

Spend Carefully over Christmas

During tough economic times with rising levels of personal insolvency, one UK website is offering consumers reliable, factual and helpful money advice.

Personal Finance weblog MoneyStand.co.uk has been providing information and opinions on personal finance since January 2008. The blog was created for UK consumers facing common financial issues wanting honest, up front information with no hidden agendas. The website will be launching a series of articles on seasonal spending this Friday to help consumers spend less over the festive season and start sensible budgeting.

According to a report released by government body The Insolvency Service at the start of November, personal insolvencies have risen by 28.8 percent in the past year. This figure consisted of consumers who had opted for bankruptcy, IVA or a Debt Relief Order to overcome their debt problems. Although the increase in individuals seeking personal insolvencies may be attributed to a rise in unemployment, MoneyStand.co.uk estimates that this figure will continue to rise during 2010 following excessive spending over the festive season.

Founder Matt Spencer said, “Along with Christmas and seasonal celebrations comes a heavy expense. Thousands of families across the United Kingdom will find themselves with obscene credit card bills during January and face the difficult question of how to pay it back and get out of debt.”

“We have seen a massive increase of personal insolvencies since the economic downturn and estimate the further financial pressure that Christmas brings will be the ‘final straw’ for many people already struggling with debt without careful budgeting. We urge consumers to spend carefully over the holiday season.”

MoneyStand.co.uk is a resource for anyone in the United Kingdom wanting to learn more about debt solutions such as IVA (Individual Voluntary Arrangements), bankruptcy, debt relief orders, debt management plans and consolidation loans. The weblog also focuses on debit and credit cards, budgeting and saving. In addition to as becoming a valuable source for information, the website offers practical advice on small changes consumers can make in their everyday life to make the most of their financial situation.

As well as providing information on debt solutions like IVAs and debt management, the authors share their own personal experiences with money, such as problems with banks and opinions on finance news.“MoneyStand is a financial hub for anyone in the United Kingdom who wants practical advice on managing finances and debt problems without the jargon.” Matt Spencer explained. “All articles are written by people with extensive knowledge on personal finance and all facts are taken from government websites so you can be sure the information is accurate and up-to-date.”

Since the beginning of the financial crisis, the website has noticed an increased amount of consumers seeking sensible financial advice in easy to comprehend terminology. During this time the website has committed to providing consumers the latest information on topical personal finance issues.

The website will be launching the new series of articles this Friday on helping people in the United Kingdom avoid overspending during the Festive Season.

For the latest news and advice on IVA, debt and insolvency visit our personal finance blog, http://www.moneystand.co.uk.

Via EPR Network
More Financial press releases

Financial, Financial Information, Investment, Money, Personal Finance, Profits, Stocks

Is An Investing Book Worth $799?

The author is not even dead . . . yet! Better to gain ‘know-how’ than gold. But is a book worth $799? An immodest ‘yes’. Sushi Zen Restaurant, Times Square - A statuesque, charming Senior Analyst for an Chicago-based investment journal magazine, showed me a remarkable sight on her laptop.

Incredible! But there it was. Imagine my astonishment when I saw used copies of my previous book The Profit-Taker Breakthrough; selling on www.amazon.com for the price of $799.00.

Is it a joke? Is it clever merchandising? You tell me. Certainly I confess to a twinge of pride. I was flattered.

The ‘Breakthrough’ . . . the proven, rapid, money-maker in good and bad markets . . . is the detailed ‘good news’ text and workbook for Profit-Taker Strategies.

The two entrepreneurs book sellers are highly regarded five star dealers – Motor City Books of Michigan and The David Bean Books of California. Good luck to them!

I was enheartened as a writer when The Chicago Tribune headlined their review to my book with the “PROFIT- TAKER: SOLID ADVICE ON THE STOCK MARKET”, but this is special. Selling my book at $799!

Although I’m 78 years old, I’m still committed to living. They forgot I’m still breathing.

In fact, on my SCOREBOARD on www.profittaker.info which is totally free and transparent, the annualized profits are registering up to 382%.

Like most authors, no doubt, I had a few new copies of my book lying around my study. So I added a current 2009 revision. Subsequently I placed them on www.Ebay.ca at the original price for the world to see.

Professor Don Abrams

Author and Inventor of the The Profit-Taker
www.profittaker.info
profsmarba@aol.com

Prof. Don Abrams is the author of a number of published financial books, including the international bestseller…The Profit-Taker: the Proven Rapid Money-Maker in Good and Bad Markets.

P.S. Notification of The Profit-Taker Breakthrough selling on the internet at $799.00 is located at:

http://www.amazon.com/gp/offer-listing/0969821603/ref=dp_olp

The $22.95 Version is located at:
http://books.shop.ebay.ca/?_from=R40&_npmv=3&_trksid=p3910.m38.l1313&

Via EPR Network
More Financial press releases

Banks, Business, Currency, Financial, Financial Information, Financial Management, Financial Services, Financial Software, Financial Solutions, Financial Statements, Forex, Investment, Money, Profits, Trading

Saxo Bank, The Online Specialist In Trading And Investment, Maintains Profitability In First Half Of 2009

Saxo Bank, the online specialist in trading and investment, has reported its half year results showing that clients’ collateral deposits and assets under management in total exceeded DKK 25 billion and, in a very difficult year, profit before tax reached DKK 55 million.

Saxo Bank, The Online Specialist In Trading And Investment, Maintains Profitability In First Half Of 2009

Operating costs increased primarily due to new office openings, product launches, as well as contributions to the Danish State Guarantee Scheme and with unchanged income, profit before tax declined from the same period in 2008.

– Pre-tax profits of DKK 55 million (DKK 162 million).
– Operating income of DKK 969 million (DKK 969 million).
– EBITDA of DKK 128 million (DKK 221 million).
– Clients’ collateral deposits increased to more than DKK 11 billion (DKK 8 billion).
– Assets under management in the Asset Management department exceeded DKK 14 billion (DKK 0).
– The solvency ratio for Saxo Bank Group was 18.9% (10.1%).

In a joint statement, Saxo Bank co-CEOs and co-founders, Kim Fournais and Lars Seier Christensen, commented: “We did expect 2009 to be a difficult year. However, the results reassure us that we took the right decision when we chose to steer the Bank into a new phase based on a more flexible structure before the financial crisis took hold. We also find it encouraging that the Bank managed to strengthen and optimise its entire value chain, product offering and geographical footprint during what were six very challenging months for the financial markets as a whole. And, equally importantly is of course, that our new Asset Management department got off to a good start with DKK 14 billion in assets under management, a number that since has grown to DKK 16 billion”.

During the first half of 2009, Saxo Bank introduced a number of enhancements to its award-winning online trading platform, the most significant of which were related to Commodity CFD’s and FX options. In addition to a broader product offering, the Bank widened its geographical footprint and established its presence in Milan, Madrid and Prague, and acquired two Dutch broker houses and a Tokyo-based provider of FX services. In May, Saxo Bank became the first Danish bank to receive regulatory approval to operate a regional office in the Dubai International Financial Centre.

About Saxo Bank
Saxo Bank is an online trading and investment specialist, enabling Forex Trading for clients, CFDs, Stocks, Futures, Options and other derivatives, as well as providing portfolio management via SaxoWebTrader and SaxoTrader, the leading online trading platforms.

Via EPR Network
More Financial press releases

Banks, Business, Currency, Financial, Financial Information, Financial Management, Financial Services, Financial Software, Financial Solutions, Forex, Investment, Money, Profits, Trading

Trading Floor To Open Up Trading Information For Forex And Equities

Saxo Bank, the online trading and investment specialist, is addressing the problem of market information overload with its TradeMaker module to complement its trading platforms, as well as a new Trading floor website.

Trading Floor

The information barriers of the past that limited trading to professional traders with a Bloomberg or a Reuter’s screen have long gone. The quantity of trading information and Forex news available to all types of traders on a home or business PC has increased to such an extent that now it is possible to trade not only stocks, but also Forex and more exotic instruments such as Futures and CFDs.

But while speed is vital when making trading decisions, speed without solid strategic insight won’t bring any advantages. The main problem is that as the cost of information has fallen, the volume has increased accordingly. Trying to find a way through this jungle of FX crosses, quotes and trades is sometimes a challenge even for the most experienced trader.

TradeMaker is a real-time trading idea generator that is part of Saxo Bank’s award winning trading platforms. It provides ten daily intra-day trading ideas on major currency crosses and CFDs including intuitive charts and interface, as well as one click pre-populated trade tickets or the ability to tailor the idea to personal trading strategies.

“Using the information and services provided by TradeMaker, we hope to be encouraging those traders that are looking to enter the market but need more direction,” said Patrick Mortensen, Global Head of Partner Marketing at Saxo Bank.

“We have already received feedback that tells us users actually feel more secure in their trading decisions, as TradeMaker enables them to better identify and manage the risks involved in the market,” said Patrick Mortensen.

The advent of the electronic trading platform has brought an end to the ‘open outcry’ of busy, noisy trading floors. As traders have retreated behind desks and screens, the shouting, signaling and pulling faces have disappeared. And with it has gone some of the human interaction that helped inform the markets.

Trading Floor is an attempt by Saxo Bank to bring some of that noise back by getting the markets rubbing shoulders, dealing – and shouting. Trading Floor provides up to date, forex news and market place analysis.

The aim of the new Tradingfloor site is to bring market participants together through the web site. Saxo Bank provides the web site and the expertise of its strategists and analysts and those of its partners.

The Daily Trading Stance is the mainstay of Tradingfloor’s daily offering. It is the position that Saxo bank’s own strategists distribute to traders with a rundown of the main themes of the day in FX, equities, futures, and FX options.

The commentary is prepared by Saxo Bank’s Chief Economist David Karsbøl and Saxo Bank’s Equity Strategist Christian Tegllund Blaabjerg, with additional advice from Forex expert John hardy, who was named as one of the most influential people in Forex in 2008. Commodities expertise is provided by Ole S Hansen and Alan Plaughmann. Tradingfloor.com also has its own YouTube Trading Floor channel which is updated daily with the day’s trading information and delivered by David or Christian.

The speed of trading has picked up tremendously in recent years with the use of automated and semi-automated systems. But the systems are only as good as the information they receive. The key to success in online trading is to find reliable sources of solid tradable information.

About Trading Floor:
Trading Floor is run by Saxo Bank – a global investment bank specialising in online trading and investment across the international financial markets. Trading Floor provides up to date forex news and market place analysis.

Via EPR Network
More Financial press releases

Business, Costs, Financial, Financial Services, Money, Profits

Forward Thinking PEO Services Provider Brings More Money to Businesses

It’s a known fact that American businesses these days are searching for more progressive ways to keep their organizations viable and profitable. The current economic situation has businesses locally, nationally and globally strategizing on how to balance income and expenses. Many companies are struggling with decisions like; should we diversify, cut payroll costs, adjust our employee benefits structures or shut the doors. A current reality facing all business decision makers is that it’s time to implement reorganization and restructuring strategies geared towards keeping their companies from experiencing devastating losses.

Fortunately, a Professional Employer Organization, PEO, can help in some very beneficial and economic ways. A PEO company is a one-stop human resources hub that can help any business streamline their back office support essentials like payroll processing, tax filing, and more. National’s PEO Services begins with a team concept that means the client has the attention of several experienced PEO staff and not just one or two persons. Whatever your business needs; payroll, human resources, workers compensation and benefits administration, to name a few, a professional and experiences PEO can save businesses money. Organizations with the staff sizes as small as10 or as large as 500 employees, are National PEO’s specialty.

Payroll Outsourcing Services is just one benefit provided a National PEO client. They can and have saved many companies hundreds to thousands of dollars. National PEO’s highly trained and accomplished staff can get your clerical and back office needs met quickly and efficiently. Many experts in business have proven that if a company enlists the help of payroll outsourcing services, the executives and management personnel are free to give their attention to the product or service offered to the consumers. What does all this translate to the new client of National’s PEO Services? It means more income to operate and less expense allocated in the clerical or administrative divisions.

Owning a business with employees means payroll processing. Payroll workers can spend countless hours tracking the employees time and where it was spent, tallying the figures for Federal, State, and Medicare taxes (this doesn’t include filing the tax forms quarterly or yearly), and writing the paychecks. Every business is unique and a perfect solution, for any business dilemma, can be found with the assistance of a talented and experienced PEO. The PEO team acts like a one-stop payroll administration center that incorporates the management of all human resource responsibilities such as: payroll processing, payroll tax filing. National PEO is not limited to payroll; they offer human resources information management (John Rico), benefits administration, information technology (Kevin Davis), paycard services and so much more.

Business experts and business professionals from all types of commerce and enterprises will warn newbie business owners to not take the accounting, clerical and payroll end of business for granted. It is in these areas that bad decisions or neglect can topple a company into bankruptcy. Don’t like the bookkeeping or back office end of business? Consider researching the services at National PEO, a
reputable professional employer organization.

Businesses today need state of the art information technology. Difficult economic times do not have to mean the end of any business enterprise. The smart business person and decision makers are always open to strategize internal changes that can keep operations profitable and continue to provide customers the quality service and product they have come to expect. Peo Services like National PEO, puts money back into business. They can handle numerous requirements presented by the business owner or corporation, in return, saving that business precious time and money.

About National PEO, LLC:

Located in Scottsdale, Arizona, National PEO has been in business since 1999. They specialize in providing professional employer services with an emphasis on teamwork. A highlight of National PEO is that clients can purchase bundled or ala carte services. National PEO caters to businesses of any size.

Via EPR Network
More Financial press releases

Business, Costs, Financial, Financial Information, Money, Profits

npower Urges Businesses To Act Now In Order To Profit From Emissions Reduction

Npower has commissioned a new white paper which reveals that businesses that make emissions reduction a board level priority can reap the rewards of a low carbon Britain.

The newly published white paper, UK Climate Policy for Business, was commissioned by npower from the London School of Economics.

The white paper comes on the back of research from npower, which revealed that many businesses are concerned that Government regulation to reduce carbon emissions will make the UK uncompetitive and add more cost than benefits.

To address this concern and to stress the potential financial reward of emission reduction, the white paper provides a guide to the UK’s emission reduction regulations and gives advice on the actions businesses need to undertake to succeed in a low carbon Britain. It also underlines that early adopters will be in the driving seat to make the most of a smaller carbon footprint.

The white paper stresses that the new regulatory instruments will not be without their complexities and that firms will have to learn new skills to ensure compliance with the rules, but that those that can do this early will be best placed to take advantage of the opportunities that might arise. It states carbon policy is specifically designed to reward firms that spot opportunities to reduce emissions, cut costs and adopt low-carbon processes.

“Reducing a firm’s carbon footprint can be a challenge, but the measures needed are often cash-flow positive, with investments recouped in a short period of time,” says Dr Samuel Fankhauser, author of the paper, principal research fellow at the Grantham Institute on Climate Change and the Environment at the London School of Economics and a member of the Committee on Climate Change.

“Reducing a carbon footprint is all about sound management and success will be determined by the priority businesses attach to emission reduction. Research has shown that well-managed firms tend to use less energy per unit of output than less well-run firms and are therefore better placed to succeed,” he adds.

David Titterton head of business development within energy services at npower adds: “Our aim in commissioning the white paper is to help businesses understand the current regulatory framework and point to the benefits firms can enjoy if they position emission reduction as central to their business goals. By doing so, we hope to ease the concerns that businesses clearly have.

“We understand that these are challenging times for businesses and many are focused on cost saving. Putting in place an energy management programme to reduce consumption can help manage costs, while also reducing emissions. Businesses doing this will be better placed to operate under the UK’s climate change policies and succeed in a Low Carbon Economy.”

The White Paper, UK Climate Policy for Business, can be downloaded at www.npower.com/businessenergy

 

About npower:
npower is one of the top energy suppliers to the UK business market, serving over 230,000 small to medium sized enterprise sites and around 15,000 industrial and commercial customers, with over 100,000 sites.

npower is dedicated to helping UK businesses use energy more efficiently and therefore spend less money on their bills. We aim to have a positive impact on the communities we serve and reduce our customers’ carbon footprint whilst always improving our service to our customers.

npower specialises in risk management solutions, including market-leading flexible energy purchasing, energy efficiency, and broader energy management functions, tailored to every size of business. npower customers include BT, Wembley Stadium plc, AstraZeneca and Sainsbury’s.

Via EPR Network
More Financial press releases

Business, Financial, Financial Information, Investment, Money, Profits

Online Marketing Strategies Leave IT Departments Isolated Reveals Rackspace

IT decision makers are increasingly falling into a “Website Wilderness” as they fail to align technology with the delivery of online marketing, according to international research launched by Rackspace Hosting (NYSE: RAX). The research also indicates that businesses are not engaging effectively online or aligning formal objectives with business goals.

The survey investigated the views and future plans of 250 IT decision makers among eight industry sectors and across several regions – the UK, Northern Europe (Netherlands, Sweden, Denmark) and South Africa.

According to the study nearly two-thirds (64%) of UK respondents expect to see more investment in online marketing in the coming year, but almost the same number (65%) claim they would not be involved in its delivery. The findings were similar across Northern Europe, where 44% stated online marketing would be a big focus, but 45% did not expect to get involved in it. Considering 90% of shoppers bought their Christmas presents online in 2008*, these findings are particularly startling.

As well as the disconnect between IT and the delivery of online marketing, only 20% of UK businesses and 32% in Northern Europe are investing in blogs and web forums. This could put businesses at a competitive disadvantage as the use of social media as a channel to communicate with customers increases in many sectors.

Just over a third (36%) of IT decision makers have formal objectives aligning IT with business goals, highlighting a disconnect between business strategy and technology implementation. This number is less in Northern Europe (28%). With so many options on how technology is delivered to the business, it seems that IT decision makers are confused by the array of applications they can host, which
include hosting, accounting, finance, email, ERP, payroll and websites.

Fabio Torlini, marketing director at managed hosting provider Rackspace, said: “The online ambitions of the marketing departments need to be supported by the technical expertise of the IT department for the benefit of the whole company. Technology has evolved in such a way that businesses can have almost any service adapted to support their marketing needs. So for businesses not to use this to their advantage is completely misguided.

“Marketing leaders must tap into the expertise of the IT department and IT decision makers become engaged in the marketing strategy. The challenge for IT people is to look to new ways of working, such as online engagement and hosted applications, to enhance competitive edge. In particular I would expect to see a review of strategies in line with the economic downturn. Outdated views of technology and a disconnect between IT and the wider organisation will present a risk for businesses in 2009. Set against a backdrop of economic uncertainty, making mistakes in IT strategy could prove costly to repair.”

 

* IMRG e-Retail Customer Service (e-CSi) Index, Dec 08

The research was carried out by independent research company, Loudhouse Research, who interviewed 100 IT decision makers from UK, including IT Directors, IT Managers, IT Project Managers, Heads of IT, Network Managers, MDs and CEOs.

About Rackspace Hosting
As the world’s leader and specialist in hosting, Rackspace Hosting is changing the way businesses worldwide buy IT. Rackspace delivers computing-as-a-service, integrating the industry’s best technologies into a flexible service offering, making computing more reliable and affordable. A trusted partner to companies of all sizes, Rackspace enables IT departments to be more effective. Rackspace is distinguished by its award-winning Fanatical Support, furthering the company’s mission to be one of the world’s greatest service companies. Rackspace featured in the top 30 of both the Sunday Times 100 Best companies to work for list and the Financial Times Great Place to Work Awards, 2008. Rackspace’s portfolio of hosted services includes managed hosting, email hosting and cloud hosting.

Via EPR Network
More Financial press releases

Checking & Savings, Financial, Financial Management, Financial Services, Insurance, Insurance Services, Money, Profits, Retirement

LV= Strengthens Its Enhanced Annuity Offering Meaning People With Minor Medical Conditions Could Be Entitled To Higher Levels Of Income

Flexible retirement solutions provider LV= has improved its enhanced annuity product by increasing the number of medical conditions accepted for enhanced terms under its conventional and with-profits annuities.

In addition to the medical conditions already accepted, customers who have a combination of milder conditions, such as high blood pressure and high cholesterol, and disclose them at application, may now be eligible for an enhanced annuity rate and an increased income in retirement.

Customers suffering from two or more mild medical or lifestyle conditions may now be able to qualify for enhanced annuity rates offering up to 7.5% more income than a standard annuity from the market leading provider. The new qualifying conditions include high blood pressure, being overweight, high cholesterol, smoking cigars, and smoking less than 10 cigarettes each day.

Matt Trott, Head of Annuities at LV= commented: “We hope the improvements to our enhanced annuity will encourage more people to apply and potentially receive a higher income in retirement. Many conditions that people may think are trivial and won’t enable them to qualify for an improved annuity, such as high blood pressure, may in fact open the door to enhanced annuity terms.

“It is therefore even more important that customers are open and honest about their health and medical conditions with their financial adviser. Even relatively minor conditions could increase the income they receive in retirement for the rest of their life.”

Examples of potential income increases, with the improved LV= product, compared with a standard annuity from the market leading provider:

– A 65-year-old male smoker could receive an extra £147 in income each year, equivalent to an increase of 3.2%, having disclosed he is receiving treatment for high blood pressure and high cholesterol, as well as being obese.

– A 65-year-old male smoker who is overweight who purchases a joint life annuity that will provide a 50% dependant benefit to his 62-year-old wife, will receive an extra £167 in income each year, equivalent to an increase of 4.8%, having disclosed he is receiving treatment for both high blood pressure and high cholesterol.

About LV
LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited (LVFS) and a trading style of the Liverpool Victoria group of companies. The new LV= brand identity was launched in March 2007.

LV= employs over 3,500 people, serves more than 2.5 million customers and members, and manages around £8 billion on their behalf. We are also the UK’s largest friendly society (Association of Friendly Societies Key Statistics 2008. Total net assets) and a leading mutual financial services provider.

LVFS is authorised and regulated by the Financial Services Authority register number 110035. LVFS is a member of the ABI, AMI, AFS and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.

Via EPR Network
More Financial press releases

Business, Financial, Financial Management, Hedge Funds, Investment, Profits

Venulum’s September Client Was A Great Success With Over 40 Clients And Their Partners Of The Private Wealth Manager Attending From All Across America

The Venulum September client conference was held on Friday morning and set out to clarify Venulum’s strategy for 2009 together with a review of performance of the Mutual Wine and Property Funds in 2008. Giles Cadman, Chairman of the group, was pleased to announce the overall returns for the Group had exceeded 15% in 2007 and was positive about 2008-2009 in light of the opportunities presenting themselves because of the deteriorating economic climate in the US and the impact felt in the UK and Europe.

“We are well placed to take advantage of the weakening property market in the UK as we have strong liquidity in the Property Fund,” explained Cadman, “We have been waiting for three years for the property market to cool so that we can acquire property within our yield criteria of between 7% and 9%.” The property team are now analysing three opportunities where values have fallen by over 50% in the past twelve months.

Rob Spalding, Business Development Officer from Pensco Trust Co was also a speaker at the conference. Pensco started trading in 1989 in New Hampshire and are an independent custodian of self directed IRA’s, specialising in non traded assets. Rob Spalding explained that as a regulated IRA custodian, Pensco are independent and are never in conflict with investors’ goals because they do not sell investment products nor provide investment or tax advice.

“At Pensco Trust, we combine proprietary technology, built specifically to facilitate smooth, safe processing of investment transactions with the greatest depth of in-house expertise in the industry” explained Spalding, “Clients benefit from our expertise on non-traditional IRA investing that comes from our singular focus. We are proud of our philosophy of sharing this expertise with our clients and prospects by providing free education on self directed IRA investing.”

Daniel Cann, Director of Folio Administrators Limited was also on hand to answer specific questions from clients throughout the weekend. Folio administers all of the Venulum funds. Having been founded in 2001, they have grown to be the largest fund service provider in the British Virgin Islands, currently providing full administration services to over 130 funds with approximately $5.5 billion of net assets under administration.

Daniel commented “We focus on tailoring our services to match individual requirements by employing specialist, highly qualified accountants and administrators. We utilize the best in fund administration solutions with PFS-Paxus and Bloomberg.”

The second session of the Friday morning presentation focussed on Venulum Wine Ltd and the different ways that Venulum invest in wine. “Wine is an asset class that Venulum believe is perfect for use in IRA and 401K investment vehicles,” Giles Cadman explained, “It can produce strong consistent returns as it benefits from diminishing supply as it gets drunk whilst demand increases as it improves with age.” Venulum Wine Limited has a team of experts and consultants who attend the annual tastings in Bordeaux and Burgundy to unearth those wines they think will provide the strongest investment returns. The company offers clients the opportunity to invest with different levels of gearing, from a straight forward full physical purchase to instalment contracts, En-Primeur agreements or forward purchase agreements.

Venulum are already planning conferences for 2009 on the West Coast and back at Greenbrier in the fall.

About Venulum:
The Venulum Group is a multinational private wealth management firm headquartered in the British Virgin Islands. The Group manages the wealth of high net worth individuals, and specialises in alternative investments often not available to the general public. Venulum helps high net worth individuals balance their portfolios.

The Venulum Group was formed in 2002 and has expanded to include offices in five countries with service offices in a further two. Since 2002 Venulum’s client base has expanded rapidly, and we now have a substantial number of United States based clients.

Via EPR Network
More Financial press releases

Financial, Financial Management, Financial Services, Financial Solutions, Investment, Money, Personal Finance, Profits

The Importance Of Location, A Factor That Every Would-Be Homebuyer Should Consider Carefully, Says Financial Solutions Company Thinkmoney.Com

Commenting on recent figures from the Council of Mortgage Lenders (CML), financial solutions company ThinkMoney.com reminds potential homebuyers of the need to think twice about the location of their proposed purchase.

In Q2 2008, there was an 18% quarterly increase in ‘loans for house purchase’ (mortgages) in Scotland – a year-on-year decrease of 34%. These figures were significantly more robust than the Q2 figures for the UK as a whole: a 5% quarterly increase and a year-on-year decrease of 46%.

“The issues in the mortgage market are affecting the whole of the UK,” said a spokesperson for ThinkMoney.com, “but the availability of mortgages does vary greatly from country to country. Prices are, of course, a key factor in determining whether people can get on – or move up – the property ladder: in May 2008, the average house price in Scotland was £167,126, according to the Department of Communities and Local Government, while the average UK house price was around 30% higher, at £218,151.

“What these figures highlight is the sheer scale of the price variations in different parts of the UK – but there’s no need to move country to benefit from this, as the price of two similar properties a few miles apart can easily vary by tens of thousands of pounds. Any would-be buyer would be well advised to broaden their search to include nearby areas: unless there’s a significant difference in terms of amenities, a lower price could more than compensate for any minor compromise they have to make.”

At a time like this, when prices have dropped substantially, a slightly more flexible approach to house-hunting can really work in a buyer’s favour – especially if they’re a would-be landlord and therefore less likely to be ‘tied’ to a certain area. “Lower prices always give homebuyers a chance to buy a better property and / or put down a larger deposit, but in today’s mortgage market, a lower price can be particularly attractive.”

Since deposits are measured in terms of percentages, a sum that counts as a 23% deposit on one house could easily account for 26% of the value of another. In some cases, this could give access to a significantly lower rate of interest; in others, it could make the difference between being offered a mortgage and being refused.

While mortgage providers have always reserved the best deals for people with larger deposits, the disparity is particularly noticeable in today’s mortgage market, with the bulk of the recent rate cuts benefiting people with larger deposits far more than those with less to lay down.

Finally, when house prices are dropping, no would-be homeowner should buy property without weighing up the odds of losing money on it, and comparing this with the money they’d spend if they continued to rent. “This isn’t a straightforward equation. Even though homeowners face the possibility of negative equity (carrying a mortgage that’s larger than the value of the property), they also know that house prices are bound to recover sooner or later – but any money spent on rent is gone for good.”

Via EPR Network
More Financial press releases

Bankruptcy, Financial, Financial Solutions, Money, Personal Finance, Profits

“The Profit-Taker Equalizer For The Underdog” Reveals A Proven Strategy To Grow Rich – Especially For Late Starters

A top-ten best-selling financial author of John Wiley & Sons, New York, is raving mad. John Wiley & Sons is one of the largest and oldest publishers in the world, and the home of such early celebrated authors as Edgar Allan Poe (Tales), James Fenimore Cooper (The Deerslayer), Washington Irving (The Legend of Sleepy Hollow) and Herman Melville (Moby Dick).

An inspired Wiley editor, Stephen Kippur, guided The Profit-Taker to the status of a listed international best-seller. Now he is president of John Wiley & Sons, publishers.

A richly deserved American success story. Why is the international best-seller’s sequel being given away?

The author/inventor, Professor Don Abrams and legendary Professor Smarba, Professor Emeritus of Finance are protesting against those who are igniting the free fall of the middle-class poor. The culprits? Those who are fuelling the fire of inflationary prices… from oil to food to textbooks to tuition. Not to mention these scrooge-like ‘credit card interest’ plunderers who constantly pursue our unfortunate victims. This is the naked truth. But truth without action is dead.

Do Abrams and Smarba have a solution? Yes! Unequivocally.

“We don’t have turkeys to hand out, but it has to start somewhere. We recognize the debt we owe for the thunderous acclaim of the first book. To that end, we wish to set an example by being credible and responsible to our book-buying public. We have a reader friendly offer as a remedy. We wish to give back. It makes good marketing sense. It’s good for the middle-class poor and for everyone.”

So for the first time ever, the revolutionary and pre-published sequel to the international best-seller is being given away. Over seven years of work in its creation. Given away. Exactly so. Free! The follow-up, “The Profit-Taker Equalizer for the Underdog: Grow from Middle-Class Poor to ‘Zero Debt’ to Rich in One Year”, is yours – with love.

During these troubled times of risky ventures and banking woes, the financial duo wish to unleash their refreshing, uplifting and unique concept… unencumbered by any cost to the reader, without any strings attached. Simply click on www.profittaker.info and download the complete full-length manuscript copy of their ‘news breaking book’.

Via EPR Network
More Financial press releases

Business, Costs, Financial, Financial Statements, Investment, Money, Profits, Revenues

Despite soaring oil prices Emirates Group posts record profits

The Emirates Group has reported its 20th consecutive year of net profit, notching a new profit record despite soaring oil prices and challenging business conditions in the second half of its 2007-08 fiscal year.

The Emirates Group net profits increased 54.1% to AED 5.3 billion (US$ 1.45 billion) for the financial year ended 31st March 2008, on revenues of AED 41.2 billion ($ 11.2 billion) compared to the previous year’s AED 31.1 billion ($ 8.5 billion). The Group’s net margin improved to 13.2% from 11.4% in the previous year.

The 2007-08 Annual Report of the Emirates Group – comprising Emirates Airline, Dnata and subsidiary companies – was released in Dubai at a news conference hosted by His Highness Sheikh Ahmed bin Saeed Al-Maktoum, Chairman and Chief Executive, Emirates Airline and Group.

The Group’s latest record performance reflects its success in growing customer demand through the strategic expansion of its business operations across six continents, supported by ongoing investments in the latest technology, products and customer service while keeping a tight rein on costs. This is illustrated by the 21.2 million passengers who flew with Emirates in the latest financial year, 3.7 million more than in the previous year; as well as the expansion of Dnata’s international ground handling operations to 17 airports in seven countries.

Sheikh Ahmed said: “It was another record year for the Group in spite of a challenging business climate, particularly in the second six months where the soaring cost of jet fuel made a big dent, although the impact was partly offset by other operating gains.”

He continued, “Despite the long-term forecast of a decrease in the number of passengers traveling in First and Business class, I am happy to report that Emirates once again bucked the trend and boosted our seat factor in the forward cabins. Emirates is fortunate to be located in Dubai at the centre of the new Silk Road between East and West. I believe the threat of an economic downturn will be offset for Emirates by the boom in the Middle East, especially the thriving travel industry of tourism and commerce.”

Sheikh Ahmed concluded: “The Group’s excellent performance this year is very satisfactory. As with previous years, we do not intend to rest on our laurels. We plan to secure our future growth by investing in the latest technology and products, so that we can continue to provide our customers with the high quality experience that they have come to expect from us.”

Another area of expansion for the group over the past 12 months was the growth of the Emirates Hotels & Resorts from its original Al Maha property into a multi-property hotel operation with International Central Reservations, a Corporate Sales and Business Development unit, global online distribution systems and support services for the design and development of its growing resort portfolio.

In all, the Emirates Group’s Facilities/Projects Management department commissioned and opened AED 2.12 billion ($578 million) worth of new buildings during 2007-08, including the impressive new Emirates Group Headquarters, the Engineering Centre, Dnata Cargo’s Free Zone Logistics Centre, The Harbour Hotel & Residence, and a new crew training college. Projects currently in progress total AED 3.9 billion ($1.1 billion), including new buildings in Dubai such as the Destination & Leisure Management Annexe, Emirates Call Centre and staff accommodation at Ras Al Khor, Al Majan and Media City.

As of 31st March 2008, the Group employed 35,286 staff, representing 145 different nationalities. During the year, the Group hired more than 7,000 people including 2,000 cabin crew and 400 new flight deck crew.

Via EPR Network
More Financial press releases

Â