Personal Finance Website MyMoneyCircles.com Launched to Help Individuals Achieve Financial Goals


Personal Finance Website MyMoneyCircles.com Launched to Help Individuals Achieve Financial Goals

Foster City, CA (PRWEB) December 20, 2011

MyMoneyCircles.com, a site offering a free online personal finance boot camp program, advice from a team of advisers and a supportive community, has launched to help individuals kick-start their journey to better financial health.

MyMoneyCircles offers four critical elements for personal financial success to its visitors and program participants:

    Trustworthy expert advice. Nationally recognized personal finance expert Lynnette Khalfani-Cox and a team of finance experts will answer questions from participants on consumer credit and debt, banking, mortgage and insurance products and services.     Step-by-step guidance. The site’s boot camp program consists of four weekly “Success Guide” modules. Each Success Guide is broken into steps designed to take around 20 to 30 minutes per day for participants to complete.     Practical tools. In each Success Guide module, participants can find resources – such as online comparison shopping tools for auto insurance coverage and credit card comparison tools, calculators and government help – in one place.     A support community. Participants can join a community anonymously where they can share successes, challenges, advice and encouragement with others.

“MyMoneyCircles offers loose programs with a whole team of experts skilled at showing individuals which areas of their finances they need to shore up – and how to go astir doing it,” said Khalfani-Cox, a respected personal finance authority and New York Times bestselling author. “For anyone who would love expert aided with their finances but can’t afford to hire a financial adviser, there’s really no excuse not to give this a try,” she said.

The free kick camp offered by MyMoneyCircles.com was created for all individuals who are serious about making positive financial changes and want to take manageable steps toward financial health.

The boot camp is intentional to be uncomplicated to use and birth effective ensue for participants with a variety of financial goals and needs – whether those goals are saving for retirement, plan leading for college costs, getting out of debt, projecting to a budget or simply saving money.

“For those who are serious about improving their financial fitness, MyMoneyCircles is the perfect way to kick off those New Year resolutions with a bang,” said Khalfani-Cox. “It’s an action-oriented, no-excuses boot camp that works.”

The MyMoneyCircles boot camp officially launches January 9, 2012, just in time to help registrants gain momentum on New Year’s resolutions to get their finances in order.

Individuals who visit MyMoneyCircles.com and register before January 9 will be entered in a drawing for an early bird registration prize. Five winners will be invited to participate in a free, customized financial coaching webinar with Khalfani-Cox which includes a live Q&A session. In addition, fans of MyMoneyCircles’ Facebook page and followers of its Twitter account @MyMoneyCircles will have opportunities to receive giveaways of Khalfani-Cox’s books, podcasts and other prizes.

About MyMoneyCircles.com
MyMoneyCircles.com is a loose online personal finance boot camp and community designed to help individuals take manageable step to financial health. With articles, online tools, checklists, test, videos and, above all, expert help, MyMoneyCircles.com offer participants the tools to save more, get out of debt and meet financial goals. MyMoneyCircles.com is a fit effort of Lynnette Khalfani-Cox and QuinStreet, Inc. Follow MyMoneyCircles on Twitter @MyMoneyCircles or visit the MyMoneyCircles Facebook page. MyMoneyCircles.com is owned and operated by QuinStreet, Inc. (NASDAQ: QNST), one of the largest Internet marketing and media companies in the world. QuinStreet is committed to providing consumers and businesses with the information they need to research, find and select the products, services and brands that best meet their needs. The company is a leader in visitor-friendly marketing practices. For more information, please visit QuinStreet.com.

About Lynnette Khalfani-Cox
Lynnette Khalfani-Cox, The Money Coach®, is a personal seed expert, television and radio personality, and the author of numerous books, including the New York Times bestseller “Zero Debt: The Ultimate Guide to Financial Freedom.” A former Wall Street Journal reporter for CNBC, Lynnette has appeared on such national TV programs as The Oprah Winfrey Show, Dr. Phil, The Today Show and Good Morning America. She frequently appears as a guest commentator on CNN, MSNBC, ABC and FOX Business Network. Follow Lynnette on Twitter @themoneycoach or visit her free financial advice blog at AskTheMoneyCoach.com.

Press Contact
Andrew Heilman
775-784-3842
pr(at)mymoneycircles(dot)com

###


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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



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The Home Builders Association of Greater Cleveland Announces Enzo Perfetto as its 2012 President


The Home Builders Association of Greater Cleveland Announces Enzo Perfetto as its 2012 President

Being blasphemed in by Past President Bill Sanderson

Clevleand, Ohio (PRWEB) December 20, 2011

The Home Builders Association of Greater Cleveland (HBA), one of the large home builders association in Ohio, has announced its 2012 President as Enzo Perfetto, Enzoco Homes LLC.

“My father, an Italian immigrant, whom at 10 years old, witnessed the loss of his father during WW II in Italy. He immediately had to leave school to provide for his family. He came to America at 18, learned the language on his own, started a building company and taught me how to build,” said Perfetto. “Not only do I have a passion for home building, but I have an obligation to carry on my father’s legacy not only as a home builder, but a productive and very proud American!”

“I am thrilled to represent the HBA as its 48th President. I have never met a such a dedicated and professional group of business associates then my colleagues at the HBA. I look forward to advance our goals in 2012,” said Perfetto. Northeast Ohio housing market has turned a corner and our group is prepared to provide our community with quality built energy efficient homes.

Perfetto is currently serving on the HBA’s By-Laws Committee, Finance Committee, Executive Committee and the HBA Board of Trustees. Enzoco Homes LLC has been building custom homes in Northeast Ohio since 1988.

This announcement was made at the HBA’s Annual Installation Dinner, held at the Ritz Carlton in Cleveland, Ohio, on December 9, 2011.

ABOUT THE HOME BUILDERS ASSOICATION OF GREATER CLEVELAND (HBA)
The Home Builders Association of Greater Cleveland, located in Independence, Ohio, is a not-for-profit trade association that represents over 300 companies involved in the construction, development, and remodeling of single and multifamily housing property in, Cuyahoga, Lake, Geauga, and Ashtabula counties. Whether you are a Northeast Ohio homebuilder, developer, remodeler, sub-contractor, or provide services to the home building industry, membership with the HBA is a wise investment. Collectively, its members employ tens of thousands of workers in the Northeast Ohio area and conduct millions of dollars of business each year. The HBA also offers resources to consumers looking to purchase homes in the Northeast Ohio area.

# # #


Attachments



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Tom Maliska Joins DNA Response, Inc. Board of Advisors


Tom Maliska Joins DNA Response, Inc. Board of Advisors

Tom Maliska

Seattle, WA (PRWEB) December 19, 2011

DNA Response, Inc., provider of multi-channel e-commerce, marketing and order management solutions, announced today that Tom Maliska, CEO and Managing Director at Kindling, has joined DNA’s board of advisors.

Tom brings 29 years of professional experience in successfully building new software technologies in emerging markets and protecting them with intellectual property strategies. Historically, Tom has worked with CTO and VP level engineering management at public companies such as Captaris/Open Text, ImageX, Aventail, Cequint, and Aldus/Adobe. Tom advises management at a number of startup companies on a wide range of technical and business issues, including the identification and protection of intellectual property assets and commercialization of related technologies.

“Tom brings such an unparalleled and invaluable skillset to DNA Response”, said Ranjit Mulgaonkar, CEO of DNA Response, Inc. “As our company approaches final development stages of DNA’s technology solution (ECOM2TM platform) that will revolutionize DRTV industry, Tom’s experience in securing intellectual property assets is absolutely crucial”.

Tom Maliska consults with corporate management on evaluating, defining and managing trademark programs; strategically managing litigation and disputes; as swelling as evaluating intellectual property for mergers, acquisitions, IPOs and corporate financing. Tom has also providing venture funding sponsored and formed strategic angel investor groups for target companies. Many of these startup clients were acquired by Fortune 1000 companies.

“DNA Response offers an unique combination of a savvy business team, proven technology, and innovation in its market space. I’m pleased to be working with a team that has the vision and skill to execute significant change in the DRTV industry”, said Tom Maliska.

About DNA Response: DNA Response, Inc. (DNA) provides turnkey e-commerce, online marketing, and order management services to companies in the $ 300 Billion direct response market. DNA clients sell products direct to consumers using TV, radio, print catalogs, web and mobile as their sales channels. DNA’s ECOM2TM platform utilizes state-of-the art cloud computing technologies and services to improve operational efficiency by reducing transaction costs, eliminating credit card declines, and lowering order cancellations and product returns, while simultaneously increasing online revenue for our clients. DNA provides universal order management for processing orders in real time from all the sales channels with full visibility to the business for the clients. DNA generates incremental revenues and helps build a brand for our clients by providing comprehensive e-commerce and online marketing services.

###


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Life Insurance Market in BRIC Discussed in New Cutting-Edge Report Published at MarketPublishers.com


Life Insurance Market in BRIC Discussed in New Cutting-Edge Report Published at MarketPublishers.com

Market Publishers Ltd

London, UK (PRWEB) December 19, 2011

At present, the life insurance markets in the BRIC countries are experiencing a rapid growth, supported by a range of factors like robust economic upturn, favorable demographics, rising disposable income and life expectancy. The increased penetration of different distribution channels and understanding of the benefits of life insurance in these countries also contributed to better the market development.

The life insurance markets in the BRIC countries are expected to grow considerably, with each market expected to register more than 10% CAGR during the review period.

New market research study “Life Insurance in BRIC Countries: Market Opportunities and Entry Strategies, Analyses and Forecasts to 2015” elaborated by BRICdata has been recently published by Market Publishers Ltd.

Report Details:

Title: Life Insurance in BRIC Countries: Market Opportunities and Entry Strategies, Analyses and Forecasts to 2015
Published: December, 2011
Pages: 107
Price: US$ 2,950
http://marketpublishers.com/report/business_finance_insurance/insurance/life_insurance_in_bric_countries_market_opportunities_n_entry_strategies_analyses_n_forecasts_to_2015.html

The study provides true and unbiased insights into the life insurance market in the BRIC countries. In particular, the study covers:

    industry current scenario and growth prospects by product category;     market competitive landscape;     current scenario and future outlook of various distribution channels in the industry;     product strategy and customer target strategy adopted by life insurance companies and the future outlook;     market drivers and the challenges faced by the industry.

Report Contents:

1 Executive Summary

2 BRIC Life Insurance Market Attractiveness

2.1 Overview
2.2 Market size
2.3 Key Trends

3 Brazil

3.1 Summary
3.2 Brazilian Life Insurance Market Size and Growth Potential
3.2.1 Overview
3.2.2 Brazilian life insurance market size
3.2.3 Brazilian life insurance growth potential
3.3 Brazilian Life Insurance Trends and Drivers
3.3.1 Macroeconomic fundamentals
3.3.2 Key performance indicators
3.3.3 Business drivers
3.3.4 Consumer drivers
3.3.5 Regulations
3.4 Life Insurance Structure and Competitive Landscape
3.4.1 Life insurance structure
3.4.2 Competitive landscape
3.5 Product Strategy and Customer Targeting
3.5.1 Introduction
3.5.2 Customer target strategy
3.5.3 Current and future product strategy
3.6 Distribution Channels
3.7 Challenges

4 Russia

4.1 Summary
4.2 Russia Life Insurance Market Size and Growth Potential
4.2.1 Overview
4.2.2 Life insurance market size
4.2.3 Life insurance growth potential
4.3 Russia Life Insurance Trends and Drivers
4.3.1 Macroeconomic fundamentals
4.3.2 Key performance indicators
4.3.3 Business drivers
4.3.4 Consumer drivers
4.3.5 Regulations
4.4 Life Insurance Structure and Competitive Landscape
4.4.1 Life insurance structure
4.4.2 Competitive landscape
4.5 Product Strategy and Customer Segmentation
4.5.1 Introduction
4.5.2 Customer target strategy
4.5.3 Current and future product strategy
4.6 Distribution Channels
4.7 Challenges

5 India

5.1 Summary
5.2 India Life Insurance Market Size and Growth Potential
5.2.1 Overview
5.2.2 Life insurance market size
5.2.3 Life insurance market growth potential
5.3 Indian Life Insurance Trends and Drivers
5.3.1 Macroeconomic fundamentals
5.3.2 Key performance indicators
5.3.3 Business drivers
5.3.4 Consumer drivers
5.3.5 Regulations
5.4 Life Insurance Structure and Competitive Landscape
5.4.1 Life insurance structure
5.4.2 Competitive landscape
5.5 Product Strategy and Customer Segmentation
5.5.1 Introduction
5.5.2 Customer target strategy
5.5.3 Current and future product strategy
5.6 Distribution Channels
5.7 Challenges

6 China

6.1 Summary
6.2 China Life Insurance Market Size and Growth Potential
6.2.1 Overview
6.2.2 Life insurance market size
6.2.3 Life insurance growth potential
6.3 China Life Insurance Trends and Drivers
6.3.1 Macroeconomic fundamentals
6.3.2 Key performance indicators
6.3.3 Business drivers
6.3.4 Consumer drivers
6.3.5 Regulations
6.4 Life Insurance Structure and Competitive Landscape
6.4.1 Life insurance structure
6.4.2 Competitive landscape
6.5 Product Strategy and Customer Segmentation
6.5.1 Introduction
6.5.2 Customer target strategy
6.5.3 Current and future product strategy
6.6 Distribution Channels
6.7 Challenges

7 Appendix

7.1 About BRICdata
7.2 Methodology
7.3 Definitions
7.4 Disclaimer

List of Tables

List of Figures

Reports on Life Insurance Markets Examined across Individual Countries are also Available:

    Life Insurance in China, Key Trends and Opportunities till 2015     Life Insurance in Russia, Key Trends and Opportunities to 2015     Life Insurance in Brazil, Key Trends and Opportunities to 2015

More new market research reports by the publisher can be found at BRICdata page.

###


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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



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“Buyer’s Closing Costs” HAR’s Consumer Knowledge Series


This video discusses the buyer’s potential closing costs.


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2 questions about FINANCE/CONSUMER MATH?? HELP PLEASEEE?


Question by effinStnnin .: 2 questions about FINANCE/CONSUMER MATH?? HELP PLEASEEE?
When saving for retirement, what should be considered? a. What quality of life you would like to have. b. What you expect inflation to do between now and then. c. If you expect to continue working when you retire. d . All of the above Since inflation reduces the value of each dollar you spend – and inflation occurs every year – the amount of money you’ll need for your long-term goal: a. Will be greater than if you reached your goal today. b. Will be less than if you reached your goal today. c. Will be equal to what you’d need if you reached your goal today. d. Can’t possibly be saved.

Best answer:

Answer by Chris
Question #1 – DQuestion #2 – A



Know better? Leave your own answer in the comments!

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If you’re selling mutual funds, what’s piece of research would you want to know?


Question by Zinger: If you’re selling mutual funds, what’s piece of research would you want to know?
I am working on a research project for a graduate class I’m taking. We are looking at consumer finances. For those of you who work in the area of consumer seeding, specifically selling mutual funded or managed accounts, what piece of research would you like to have? More specifically, if you had the fund to send researchers out to survey consumers, what would you desire to cognize to help you with your business? Thanks.

Best answer:

Answer by Robert M
the maximum load I could get from the customer, up front, annually, and after I tell them to redeem on the back pull.that would help me maximize my profits at the expense of the common investor.



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Bluebird Soft Takes Enterprise and Government Mobility to the Next Level with the Pidion


Bluebird Soft Takes Enterprise and Government Mobility to the Next Level with the Pidion® BIP-1500 Family

BIP-1500 All-in-one Handheld Computer

Seoul, Korea (PRWEB) December 10, 2011

Bluebird Soft Inc. (Bluebird), a worldwide provider of handheld mobiles designed for AIDC and payment solutions, will showcase the Pidion® BIP-1500 Family at the NRF Retail’s Big Show in New York at ramp 2333. The broken all-in-one handheld computer, BIP-1500 Family, is designed to encounter each of its customer’s demands in transportation and logistics, tight going consumer goods (FMCG), government and public sector, and finance industries.

Bluebird has always extended its product range to accommodate the rapid demand shifts in the field mobility market through its rugged handheld and all-in-one handheld lineup. For customers who have business needs for industrial-grade ruggedness, the Pidion® BIP-5000 and BIP-6000 Families meet and mostly exceed consumer expectations. For customers with business requirements of lighter weight while maintaining full functionality, the Pidion® BIP-1300 Family has been suggested to them. The new Pidion® BIP-1500 Family has been designed to meet both rugged and all-in-one demands.

The dual-sided BIP-1500 Family design is capable of multiple combinations. The BIP-1500 Family is equipped with PXA 320 Processors that run at 806 MHz, Windows Mobile 6.5 operating system, and supports HSDPA (3.5G) or GSM, WiFi, Bluetooth, and integrated GPS. In terms of data capture capability, it offers 1D laser scanner or 2D CMOS imager, RFID reader, and 3 megapixel Auto-Focus camera. Moreover, it has built-in thermal printer options of 2” or 3” width, and a standard battery with 3 different payment types – Payment, Finger Scan, or PIN Pad – or an extended battery option without payment.

Thanks to supporting both AIDC and payment technology options in a single device, enterprises and governments now have more choices of a hardware platform as per their business needs. It will be the most appropriate and only choice for enterprises that seek printer-integrated handheld computers or a mobile pos terminal equipped with a fully rugged structure – (IP54, 1.5m (5ft) drop tolerance).

Pidion® BIP-1500 Family Highlights
∙ IP54, 1.5m (5ft) drop tolerance
∙ 2” or 3” built-in thermal printer options
∙ 1D laser, 2D imager, RFID reader options
∙ HSDPA(3.5G) or GSM options
∙ WiFi, Bluetooth, and GPS
∙ Payment, Finger Scan, PIN Pad options

“Our new all-in-one handheld computer is an example of how we respond for our customers and partners quickly,” Jangwon Lee, Bluebird CEO. He added, “The BIP-1500 Family is not just an outcome of innovative development from the converging of AIDC and payment technologies, but is also the result from our continuous devotion to listening to the voice of customers and partners, and acting quickly on their input. Since the request of rugged yet printer-integrated devices with a payment or finger print scanner option from Pidion® users in field mobility market has increased, we decided to mix both the rugged handheld and the all-in-one handheld experience. We, Bluebird, believe our flexibility along our industry-leading advances is why our clients choose to stay with us.”

Pidion® BIP-1500 Family will be deployed to a big Asian snack food company for direct store delivery (DSD) this month and BIP-1530, one of BIP-1500 Family with 3” thermal printer option, will be available in 2012.

About Bluebird Soft
Bluebird Soft Inc. (Bluebird), founded in 1995, is a global provider of handheld mobiles. Their expertise ranges from enterprise and industrial handheld mobile computers, printer-integrated mobile computers, handheld scanners, handheld RFID, to Android handhelds. Bluebird is the only manufacturer focused on providing handheld mobiles for both the AIDC market as well as payment operations under the brand name of Pidion. We successfully adapt to emerging market trends through a broad range of innovative products, and pay close attention to the voice of our customers. With partnerships all over the world including Fortune 500 companies, Bluebird continues to grow and seeks to provide high-quality products at reasonable cost, while maintaining the flexibility to customize solutions based on your business needs. Bluebird HQ and its manufacturing facility are based in Seoul, South Korea and we have offices in USA and China to best serve our global partners.

For more information about Bluebird, please visit http://www.bluebirdsoft.com or call +82-70-7730-8000.

Media Contact
Gina Hong
Bluebird Soft Inc.
+82-70-7730-8214
ally(at)bluebird. co.kr    

Jada Kim
Bluebird Soft Inc.
+82-70-7730-8133
ekim(at)bluebird.co.kr

###


Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



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Squirrel Stopper Bird Feeder Post Helps Save Consumers Money This Holiday Season


Squirrel Stopper Bird Feeder Post Helps Save Consumers Money This Holiday Season

Squirrel Stopper Bird Feeder Post Assembly

Grand Rapids, MI (PRWEB) December 09, 2011

The Wall Street Journal recently reported that U.S. average income has dropped for three years in a row. This holiday season, Yahoo Finance suggests gifts that save money and are practical. Kiplinger recommends gifts that keep on giving. In the current economic climate, Americans are spending their hard-earned cash on products that save cash down the road. The Squirrel Stopper will not only save bird lovers money this holiday season, but also for many seasons to come.

53,000,000 people in America regularly put bird seed into bird feeders, and then watch as squirrels and raccoons eat most of it. This is an aggravating loss of time, money, and bird watching enjoyment. Over the past 75 years, countless inventions have attempted to solve this problem. But none have succeeded; until now. Over 27,000 Squirrel Stoppers have been sold in 49 states, and not one squirrel or raccoon has beaten the patented baffle. But not for lack of effort. Squirrels will study it, plan a strategy, attack it, and fail. And quickly they give up; every time.

“People buy products for a variety of reasons,” states inventor Dr. Kim Sena. “But in today’s fiscal environment, they are truly watching what they pass. Many buyers experience better about purchasing a product that pays for itself over a period of time. A raccoon or a colony of squirrels can go through $ 40 meriting of bird seed in a weekend. And consumers besides lose money and time on ingeminated trips to the store to purchase seed, and the time it takes to incessantly replenish their feeders.”

How the Squirrel Stopper System Works
The secret is the free-floating baffle. Previous unsuccessful products had baffles that only move from side to side. The Squirrel Stopper baffle moves side to side and also up and down by way of three stainless steel springs. The squirrel (or raccoon) leaps up to the baffle and attempts to grab on, which is very difficult because the surface is smooth and is shaped like an inverted cone. The critter’s weight works against him as gravity pulls him down. If he somehow manages to grab hold, the baffle whips down and shakes him off. No other product has this patented vertical movement, and this is why the Squirrel Stopper is 100% effective. But don’t worry about the squirrels. They have plenty of food over at the neighbor’s house.

The Squirrel Stopper apparatus is able to be assembled and installed in about 5 minutes. The lower post segment has an auger that twists easily into any type of soil (even the rocky soil in New England). The remaining segments simply twist and lock in place. No tools or shovel are needed! It is made of durable 16 gauge tubular steel, has a black or white powder coat finish, and accommodates up to 8 bird feeders, hanging plants, or other garden accents (each weighing up to 20 lbs.). It is totally safe (but frustrating) for squirrels and other critters, and provides hours and hours of bird and squirrel-watching entertainment!

The Squirrel Stopper Bird Feeder Post Assembly can be purchased for $ 140.00 online at http://www.worksgreat.net. More information, testimonials, and a 2-minute video can be seen at http://www.squirrelstopper.com.

###


Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.



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Cary Flitter L ESQ – Attorneys for Consumer Protection, Narberth, PA

src=http://i.ytimg.com/vi/-W47QjzX3es/default.jpg

www.superpages. com Cary L. Flitter has built much of its practice around the case to plead on behalf of consumers against debt collectors, finance companies, insurance companies, car dealers and credit agencies. He has represented clients as individuals and class actions, consumer loans, collection debt unfair, the vehicle financing and leasing overload, seizures of cars, credit reports the privacy of credit, predatory lending and identity theft cases.Mr. Flitter also practices commercial litigation involving legal issuesVideo Note: / 5

confidence comes courage and happiness. The moral of this video and the article is that you decide on your future: mortgage, private money, hard money loans, foreclosure, loan fast home equity, poor imputing, financing , refinancing, real estate, broker, lender, Santa Rosa, Sonoma County and all of northern CA. www.sunpacmortgage.com www.facebook.com www.linkedin.com

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