Archive for 'Companies'

Business Loans for Poor Credit Borrowers

Lendio and Capital Stack announce a Bank Flow Cash Program, which helps businesses that don’t qualify for business loans, secure capital to help their businesses grow.

Lendio and Capital Stack today announced a new Bank Flow Cash program, which enables business owners to receive business loans without any credit.

“Many new business owners have either poor credit or no credit history at all,” said Brock Blake, Lendio CEO. “When those people approach banks for small business loans, they are denied the vast majority of the time. Without those funds, many small businesses can’t continue to operate.”

This program is designed specifically to help those types of businesses across the nation. Some industries that often get turned down by bank and cash advance programs include collection agencies, attorneys, accountants, gas stations, travel agencies, construction. This program will in turn, help create more jobs and strengthen a struggling economy.

“After jointly evaluating the marketplace, we found a large void that didn’t have this type of credit in the system,” said David Rubin, Capital Stack CEO.

There is a large volume of potential businesses that could benefit from this program. Together, Lendio and Capital Stack developed a solution and brought it to the market.

“The key was using the new platform developed by Lendio, to instantaneously scrub market wide the available options for a small business,” Rubin said.

This program allows clients the following benefits:

*Underwritten in 24 hours
*Funding in a few as 5 days
*90% more approvals over traditional bank programs
*$20,000 in average approvals
*Advances up to $500k
*Startups in business 1-3 months can be approved
*Profitability not examined
*Business credit not examined
*500 personal credit is OK
*No interest or late fees
*Repayment automatically from the bank account
*No application fee

For more information about this program, visit the original article about the Bank Flow Cash Program.

About Capital Stack
Capital Stack, LLC delivers business cash advances, unsecured programs, and cash-flow-style bank loans. The company designs flexible programs to advance against future credit card receivable or structure and advance on the bank cash flow of the business. Its financing allows most business to expand their customer base and turn future receivables into immediate cash. Specialties include business cash advance, ACH bank program, electronic payment space, accounts receivable financing, PO factoring, inventory finance, and real estate finance.

About Lendio
Lendio makes small business loans simple by matching qualified small business owners with active banks, credit unions, and other lending sources. Through a proprietary matching technology, Lendio assists a business owner to identify the business loan type and specific lenders that offer the highest probability for that business owner to prepare for and secure a business loan approval.

 

Airlines Winning the War Against Fraud

Global fraud rate down, but online ticketing still seeing challenges

Survey findings released today by CyberSource Corporation, a Visa company (NYSE: V) show that while airlines are gaining in their war against fraud, much work remains to be done.  Airlines reported a loss of about $1.4 billion USD to online payment fraud in 2010.

Dr. Akif Khan, CyberSource’s Director, Products and Services said: “The good news is that in terms of fraud loss rates, 2010 results showed a 31 percent improvement over 2008.  Clearly, airlines have not only recognized the challenge but have made timely adjustments to it.” According to the survey, changes made by airlines in the last two years include higher use of fraud detection tools in automated screening (7.3 on average, compared to 5.8 in 2008), along with rejecting more bookings due to suspicion of payment fraud.

Selected survey findings

–Experience counts:  airlines with less than three years of online selling experience have higher fraud loss rates, manual review rates, and higher reject rates than their more experienced competitors. For example, airlines with more than ten years of online selling experience manually review 15 percent of their bookings; those with fewer than three years review 53 percent.

–Airlines may be ignoring a powerful anti-fraud tool:  Only three percent of airlines surveyed used public record searches to validate bookings.  But those that used the tool felt it was one of their most effective anti-fraud measures.(Public record searches are not universally available). Device fingerprinting and third-party fraud scoring models were among the top tools merchants cited as considerations for future use.

–Automated review requirements will accelerate:  According to the International Air Transport Association, passenger revenue will increase by 7.3 percent in 2011, but nearly 90 percent of airlines surveyed say their manual review staff levels will remain the same. Automation will have to make up the difference.

“Fraudsters will move to the weakest link in the chain,” said Christopher Staab, Managing Partner of Airline Information. “And that weak link is most likely going to be the airlines unfamiliar with how sophisticated fraud can be perpetrated with online ticketing sales.  That’s why this type of data is so critical for the airline industry worldwide.  There are solutions out there– airlines need to implement them.”

A typical fraud scenario in the airline industry plays out as follows:

  1. Fraudster illegally obtains credit card data;
  2. Fraudster obtains name, address, and other appropriate information for a genuine customer interested in buying “discount” tickets;
  3. Fraudster buys the ticket in the innocent person’s name, using the stolen credit card number;
  4. Fraudster delivers ticket to the customer and receives payment in cash.

CyberSource announces new travel-specific fraud-tuning capabilities

CyberSource is also announcing release of new fraud detection algorithms for its Decision Manager system, created specifically for the travel industry. Data generated from inbound booking requests, including device identity and behavior information, is correlated with transaction data generated by merchants worldwide. The new travel algorithms take the unique purchasing patterns of the travel industry into account, where multiple bookings from frequent travelers or travel agencies are common. The results of these correlations can then be compared to business rules established by the airline to automatically accept, reject or review the booking. Because valid bookings can now be more accurately and automatically separated from fraudulent bookings, airlines and other travel companies can further reduce costly manual review and fraud loss.

To see the full survey — for journalists: please call or email the contacts listed below.   For all others: please visit www.cybersource.com/airlinefraudreport

Metho dology

The Airline Online Fraud Survey was commissioned by CyberSource Corporation in partnership with Airline Information. Data was compiled in an online survey delivered by an independent market research firm. The surveys were fielded between November 17, 2010 and January 31, 2011 and yielded 142 qualified completed interviews. 72 percent of respondents indicated their airline had total revenues over $500 million USD.

About CyberSource

CyberSource, a wholly-owned subsidiary of Visa Inc., is a payment management company. Over 330,000 businesses worldwide use CyberSource and Authorize.Net brand solutions to process online payments, streamline fraud management, and simplify payment security. The company is headquartered in Mountain View, California with international offices in Reading, U.K.; Singapore; and Tokyo. CyberSource operates in Europe under agreement with Visa Europe. For more information, please visit www.cybersource.com.

© 2011 CyberSource Corporation, a Visa company. All rights reserved.

CONTACT: (U.S.) Bruce Frymire of CyberSource Corporation, +1-650-432-7816, bfrymire@visa.com, or (U.K.) James Delves of Noiseworks , +44 (0) 1628 628080, cybersource@noiseworks.com, for CyberSource Corporation

Web Site: http://www.cybersource.com

Stock Index for Auto Business Announced

S-Network Global Indexes LLC announced today the launch of a new index that tracks the performance of the global automotive industry: The S-Network Global Automotive Index(SM) (Ticker: AUTOS). Live intraday calculation of the index begins today May 18, 2011. Daily closing values are available from December 31, 2005.

Said Richard Phillips, Senior Index Analyst of S-Network, “AUTOS is designed to serve as a fair and transparent measure of the performance of the global automotive industry. This index comes to the market as international vehicle sales continue to rebound and several automotive manufacturers have recently posted strong profits.”

The modified capitalization weighted, float-adjusted index incorporates 50 constituents engaged in the automotive industry. To be included in the index a company must generate over 50% of gross revenues from the primary automobile industry. The index is rules-based. Information about AUTOS, including rules and index fact sheet, can be found at http://www.snetautoindex.com.

S-Network Global Indexes LLC is the index publisher for AUTOS.

AUTOS has been licensed by Global X Funds to serve as the underlying index for a US listed ETF (Ticker: VROM).

About S-Network Global Indexes LLC.

S-Network Global Indexes LLC is a publisher and developer of proprietary and custom indexes. S-Network, founded in 1997, has specialized in indexes, indexation, and index-based products, including ETFs. More about S-Network can be found at http://www.snetglobalindexes.com.

Media Contact:
Joseph LaCorte
Jlacorte(at)snetworkllc(dot)com
(646) 467-7927

Web Site: http://www.snetglobalindexes.com

Business Credit Card Abuse Continues

Business Credit Card Abuse Continues

Business Credit Card Abuse Continues-Image via Wikipedia

Pew Highlights Need to Extend Credit CARD Act Protections

The Credit CARD Act of 2009, signed into law two years ago, made consumer credit cards safer and more transparent. But, its rules did not apply to cards labeled for business or commercial use, placing millions of individuals and small business owners at risk. Practices the Federal Reserve deemed “unfair” or “deceptive,” such as hair trigger interest rates and unpredictable rate increases, remain widespread in business credit cards that are regularly offered to American households, according to a report by the Pew Health Group’s Safe Credit Cards Project.

As noted in the research, 40 years ago business credit cards were excluded from federal consumer protections because policy makers concluded that business owners were in the position to analyze risk. However, Pew found that between January 2006 and December 2010, American households received over 2.6 billion offers in the mail for these financial products. Whether the respondent to these solicitations is a large company, an owner of a small company, an employee or an individual, they are personally liable for all charges and are not protected by the key provisions in the Credit CARD Act.

“Every month more than 10 million business credit card offers are mailed to households at all income levels. The sheer number of offers that are sent to homes all across the nation represents a risk to millions of American families,” said Nick Bourke, director of Pew’s Safe Credit Cards Project. “To better protect individuals, families and small business owners we urge that the safeguards found in the Credit CARD Act be extended to any card on which the cardholder is personally liable.”

CLICK HERE FOR A VIDEO OF NICK BOURKE DISCUSSING BUSINESS CREDIT CARDS

The brief, “U.S. Households at Risk from Business Credit Cards ,” is the most recent in a series of Pew Safe Credit Cards Project reports that examine credit card disclosures from the nation’s 12 largest banks. For this report, Pew also looked at consumer-direct mail data from January 2006 through December 2010. Full details, including past reports, can be found at www.pewtrusts.org/creditcards.

Key findings show:

  • Eighty percent of business cards included an “any time” change in terms clause with no right to opt out, which means that bank issuers can change account terms at any time with little or no notice.
  • Eighty-four percent of business cards gave issuers the sole power to apply payments to low-rate balances first, which maximizes charges on higher-rate balances.
  • Sixty-seven percent of business cards included penalty rates for late payments or overlimit transactions. Issuers can apply a penalty interest rate immediately and without notice for any violation and that rate can last indefinitely on any balance. Under the Credit CARD Act, penalty interest rates may not be applied to existing balances on consumer credit cards, unless an account is seriously delinquent.
  • Penalty fees are virtually unrestricted and may not be reasonable and proportional to the violation. Seventy-three percent of business cards included a late fee (median amount $39), while 67 percent included an overlimit fee (median amount $39).

The brief also highlights issuers who have voluntarily applied portions of the Credit CARD Act to their business cards. Bank of America eliminated penalty interest rates, overlimit fees and late fees and both Bank of America and Capital One have adopted application of payments to be applied to the larger balance first.

“The practices of these banks show that additional consumer protections can be applied to all credit cards marketed to American households and that issuers can still receive fair compensation for the service provided,” said Bourke. “Now is the time for policy makers to ensure that the actions of these banks are not the exception, but rather the rule.”

The Pew Safe Credit Cards Project offers policy recommendations to make business cards safer and more transparent for consumers, including:

  • Expanding the consumer protections of the Credit CARD Act to any credit card product that requires an individual to be personally or jointly liable for account expenses, and at a minimum,
  • Requiring issuers to tell applicants whenever a credit card is not covered by the Credit CARD Act. Moreover, account disclosures should warn of additional risks not found in their consumer credit cards.

About the Pew Health Group

The Pew Health Group is the health and consumer-product safety arm of The Pew Charitable Trusts, a nonprofit organization that applies a rigorous, analytical approach to improve public policy, inform the public and stimulate civic life. www.pewtrusts.org/creditcards

CONTACT: Nicolle Grayson, +1-202-540-6347, ngrayson@pewtrusts.org

Web Site: http://www.pewtrusts.org

CUSO Representing Over 100 Credit Unions Announces New Private Student Loan Offering without Origination Fee

CU Student Lending, LLC, a credit union service organization (CUSO) that developed and manages the cuStudentLoans private student loan program, today announced the launch of its 2011 EdAccess Private Student Loan that features zero origination fees to the borrower.

The new loan product, which debuted officially on May 1st, will be available to all qualified student borrowers for the 2011-2012 academic year.  The CUSO’s decision to remove the origination fee comes at a time when student borrowers are faced with escalating tuition costs nationwide, creating a widening funding gap in order to finance their education.

“Providing credit union members and their families a private student loan product with zero origination fees, especially during a time with dramatic increases in tuition costs, is something that is extremely important to us,” said Tom O’Shea, Chairman of CU Student Lending, LLC.  “This is just another borrower benefit that makes the cuStudentLoans program, and in particular the EdAccess Private Student Loan, among the best in the industry for students seeking assistance in their education financing.”

The cuStudentLoans program, which currently serves more than 100 participating credit unions, uses common underwriting and pricing in its EdAccess Private Student Loan.

About CU Student Lending, LLC

CU Student Lending, LLC is a leading network of credit unions offering private student lending options to students and families nationwide.  Formed in 2010, CU Student Lending, LLC is comprised of over 100 progressive credit unions that built a member-responsive private student loan program using a common underwriting and pricing platform. The program, which consists of both the EdAccess Private Student Loan and EdSucceed Private Student Loan Consolidation, includes loan participations to enhance and mitigate risk.

Media Contact
Thomas J. O’Shea, Chairman
CU Student Lending, LLC
Thomas.oshea@aspirefcu.org
732-388-0477 ext 8117

Web Site: http://www.custudentloans.org

Golfers Miffed at PGA

Guests at Florida Golfing Resort Surprised with Undisclosed Surcharge File $25 Million Class Action

The PGA National Resort & Spa may be a stickler for fairness on the golf course, but when it comes to honestly disclosing guest fees at its nationally renowned resort hotel in Palm Beach, the organization’s practices are tantamount to kicking the ball to get a better lie.

That’s the assertion at the heart of a $25 million class action filed in US District Court for the Southern District of New York today by New York residents Alison Handwerker and Jeffrey Greenburg, two of the tens of thousands of customers who were hit with a daily resort fee charge by the PGA National Resort.  The class comprises all individuals who were charged the daily resort fee that was not disclosed to them prior to or at the time they made their reservations using the PGA National Resort’s website or by calling the PGA National Resort directly.

Ms. Handwerker, Mr. Greenberg and the class are represented  by Steven L. Wittels and Jeremy Heisler, attorneys in the New York City office of Sanford Wittels & Heisler, LLP.

Florida-based PGA National Resort & Spa and Illinois-based Walton Street Capital LLC are named as defendants in the suit.

“Guests at the PGA National Resort in Palm Beach expect courteous treatment and hospitality,” said Mr. Wittels.  “But instead, the organization tees up deceit and trickery by forcing its departing guests to pay an undisclosed and surprise ‘resort fee’ of $25 for each day of their stay, plus taxes on that fee. PGA National Resort keeps this fee hidden until guests check out, despite purporting to provide ‘full-pricing’ information to potential customers over the telephone and on the resort’s reservation website.”

The Complaint alleges that the PGA National Resort’s undisclosed charges violate the Florida Deceptive and Unfair Trade Practices Act, and also constitute common law breach of contract and unjust enrichment.

The complaint asks the Court to certify the Plaintiff Class, issue a permanent injunction enjoining the defendants from continuing to charge the undisclosed fees, and award the Plaintiffs actual damages, punitive damages, and restitution for the undisclosed fees they have already been forced to pay.

“There’s no place in the legitimate tourism business for the kind of chicanery PGA National Resort perpetrates on its customers every day in the Palm Beach hotel,” said Mr. Heisler. “Resort owners can charge any legal fees they wish.  But they can’t hide the fee and then charge customers at check-out time.  This flim-flammery has to end, and we hope the lawsuit does exactly that.”

About SWH

Sanford Wittels & Heisler LLP (SWH) is a law firm with offices in Washington, D.C., New York, and San Francisco that specializes in employment discrimination, wage and hour, consumer and complex corporate class action litigation and has represented thousands of individuals in some of the major class action cases in the United States. The firm also represents individual clients in employment, employment discrimination, sexual harassment, whistleblower, public accommodations, commercial, medical malpractice, and personal injury matters.

For more information, contact Jamie Moss, newsPRos, 201-493-1027, Jamie@newspros.com

New Geothermal Plants Move to Design Phase

Arrow Resources Development, Inc. (OTCBB: ARWD) The Company has received a $1,400,000 grant from the Asian Development Bank (ADB) to commence the design planning for two Geothermal Power Plant in Indonesia and the Philippines. This funding for these initial site development plans requires approximately 90 days and site selection has already commenced.

Peter Frugone, CEO of Arrow Resource Development commented, “After two years of planning, we are finally ready to start operations that will have a profound environmental impact on Indonesia and will eventually lead to significant financial gains for the Company.”

About Arrow Resources Development, Inc.

Arrow Resources Development, Inc. develops and coordinates corporate operations, finance, sales and marketing activities along with administrative activities, both in the Unites States and Indonesia and manages the corporate citizen program for this natural resource development company in the Asian market. Its relationship with Arrow Pacific Resources Group Limited (BVI Company) is for the development of large scale plantation, farming and geothermal operations in Indonesia. The Joint Venture partners include Arrow Pacific, Gerakan Masyarakat Pelestari Lingkungan Hidup (GMPLH), one of Indonesia’s larger non-profit organizations and PT Tiga Daun (Indonesian company owned by Arrow Pacific’s Indonesian operating Company). Arrow Resources’ agreements entitle the Company to 10% of all gross revenue generated by all their partners’ plantation/farming including any and all sales of natural resources and derivative products.

Safe Harbor: Statements regarding financial matters in this press release other than historical facts are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, Section 21E of the Securities Exchange Act of 1934, and as that term is defined in the Private Securities Litigation Reform Act of 1995. The Company intends that such statements about the Company’s future expectations, including future revenues and earnings, technology efficacy and all other forward-looking statements be subject to the Safe Harbors created thereby. The Company is a development stage firm that continues to be dependent upon outside capital to sustain its existence. Since these statements (future operational results and sales) involve risks and uncertainties and are subject to change at any time, the Company’s actual results may differ materially from expected results. For more information about the company, please visit their website at www.arrowrd.com.

CONTACT: Investor Relations, Charles Moskowitz, +1-212-262-2300, info@arrowrd.com

Web Site: http://www.arrowrd.com

Innovative, Easy-to-use Payroll Management Application Compatible with Leading U.S. Smartphone Operating Platform

ADP ®, a leading provider of human resource outsourcing, payroll services, tax and compliance services, benefits administration and integrated computing solutions for vehicle dealers, today announced that its popular payroll management platform for small businesses, RUN Powered by ADP®, is now also available for the Android™ smartphone operating platform.  Clients using RUN Powered by ADP® can now download the free mobile payroll app for their Android™ smartphone and begin managing and processing payroll for their employees and contractors through their mobile device.

The Android operating platform is now the leading smartphone operating system in the United States with 31.2% of the market, according to recent research from comScore.  Following the launch of ADP’s highly successful first mobile payroll app for the iPhone® platform in October, 2010, today a larger population of small business owners can take advantage of ADP’s secure payroll solution on a mobile device.  Furthering the company’s commitment to continuous mobile enhancements, in the near future RUN Powered by ADP will soon be available on Blackberry devices.

“RUN Powered by ADP is redefining mobility for small business owners.  Now that our innovative payroll solution is accessible on the popular Android smartphones, many more professionals will be able to manage their payroll at any time from any location—simply by using ADP’s mobile app,” said Regina Lee, President of ADP’s Small Business Services and Major Account Services.  “RUN Powered by ADP offers a secure, convenient and remarkably efficient way to manage payroll, allowing users to administer payroll quickly and securely on a handheld device,” Lee added.

RUN Powered by ADP also satisfies the demand of an increasingly mobile workforce.  According to a 2010 nationwide survey conducted by ADP Research Institute, a specialized group within ADP, small businesses are leading the trend toward increased mobility.  The survey showed that 90 percent of small business executives spend at least some time outside of the office for business, averaging nine hours a week or 23 percent of a 40-hour work week.  Additionally, a third of that 90 percent indicated that time “on the go” is increasing.

“We are committed to delivering on our promise to help enable small business owners focus on what matters most to them—namely, growing their business and investing in their human capital,” Lee continued.  “Soon, our mobile payroll solution will also be available on BlackBerry-compatible devices to further increase its availability to small business owners on their device of choice,” Lee added.

ADP recently announced that 100,000 of its small business clients use the innovative and convenient RUN Powered by ADP online platform, which also helps to reduce risk by assisting them with best practices for HR compliance, including employee policy handbooks, hiring guidelines and employment law tips and alerts.

Jeff Phillips of HP Investments in Daly City, CA illustrated the convenience of ADP’s mobile solution.  “The freedom of being able to schedule my payroll runs on my calendar, set up an appointment and run payroll on the day it was due, anywhere I happened to be, was too much to pass up.  The iPhone app took a couple of minutes to find and install, and I ran my first payroll all from the 15th tee!” Phillips explained.

With RUN Powered by ADP payroll’s secure system, small businesses can:

  • Enter and review payroll information for employees and contractors;
  • Pay via checks or direct deposits;
  • Calculate earnings and deductions as well as federal, state and local taxes;
  • Review hours and earnings to confirm accuracy before payroll is processed;
  • Preview payroll liability and cash required, and confirm funds to be withdrawn;
  • Review reports from the current and previous periods in real time; and
  • Access HR411®, a suite of simple yet powerful tools to help better manage HR needs.

Whether using the online or mobile version, RUN Powered by ADP features an interface that allows business owners and executives to enter their workers’ hours and deductions, as well as calculate and preview payroll before approving.  It is available for free from both the Android Market (market.android.com) and the App Store for iPhone, iPad and iPod touch (www.itunes.com/appstore/).  It will soon be made available for RIM devices.

About ADP

Automatic Data Processing, Inc. (NASDAQ: ADP), with nearly $9 billion in revenues and about 550,000 clients, is one of the world’s largest providers of business outsourcing solutions.  Leveraging over 60 years of experience, ADP offers a wide range of HR, payroll, tax and benefits administration solutions from a single source. ADP’s easy-to-use solutions for employers provide superior value to companies of all types and sizes.  ADP is also a leading provider of integrated computing solutions to auto, truck, motorcycle, marine and recreational vehicle dealers throughout the world.  For more information about ADP or to contact a local ADP sales office, reach us at 1 (800) 225-5237 or visit the company’s website at www.ADP.com.

For more information, contact:
James Duffy
ADP
(973) 974 – 7612
James_Duffy@ADP.com

Web Site: http://www.ADP.com

The National Inflation Association – http://inflation.us – today officially released the most comprehensive documentary ever produced about higher education in the U.S. NIA’s hour-long documentary called ‘College Conspiracy’ exposes the facts and truth about America’s college education system. ‘College Conspiracy’ was produced over a six-month period by NIA’s team of expert Austrian economists with the help of thousands of NIA members who contributed their ideas and personal stories for the film. NIA believes the U.S. college education system is a scam that turns vulnerable young Americans into debt slaves for life.

NIA tracks price inflation in all U.S. industries and there is no industry that has seen more consistent price inflation this decade than college education. After the burst of the Real Estate bubble, student loans are now the easiest loan to receive in the U.S., and total student loan debts now exceed credit card debts. The government gives out easy student loans to anybody, regardless of grades, credit history, what they are majoring in, and what their job prospects are. NIA believes it is illegal for the U.S. government to be in the student loan business because the U.S. constitution doesn’t authorize it. Just like how the U.S. government created Fannie Mae and Freddie Mac to make housing affordable, but instead drove housing prices through the roof; the U.S. government, by trying to make college more affordable, is accomplishing the exact opposite and driving tuition prices to astronomical levels that provide a negative return on investment.

The U.S. has been experiencing 5.15% annual college tuition inflation this decade. Despite this, 70.1% of high school graduates are now enrolling into college, a new all time record. 2/3 of college students are now graduating with an average of $24,000 in debt. There is nothing special about getting a college degree if everyone else has one, and it is certainly not worth getting $24,000 into debt to camouflage yourself into the crowd. NIA’s President is friends with hundreds of CEOs of mid-sized corporations who tell him that someone who skipped college is a lot more likely to stand out amongst the hundreds of applicants who apply for each job available.

The real unemployment rate in America is now 22% and 60% of college graduates who are lucky enough to find a job, are receiving low skilled jobs where a college degree isn’t even required. In fact, 70% of high school graduates who didn’t go to college, were able to get these very same jobs as the average college graduate. The main difference is, by the time Americans who went to college get their degree, those who went straight into the work force after high school will already have 4 to 6 years of valuable workplace experience. Instead of having $24,000 in debt, these experienced Americans will be working their way up to a higher paid position or a better job at a different company.

All across America, colleges are deceiving prospective students with misleading and often fraudulent tactics and statistics. The fact is, law schools are handing out 43,000 law degrees each year, when there are 15,000 less attorney and legal staff jobs in the U.S. than three years ago. Many law schools are advertising a 90% job placement rate within one year of graduating. However, weeks before job placement surveys are conducted, some law schools will hire unemployed graduates to work in their admissions department. They are let go as soon as these surveys are completed, but count as being part of the 90% employed.

‘College Conspiracy’ also exposes how three years ago when 15 new pharmacist schools were getting ready to open in the U.S., the college cartel created a pharmacist shortage hoax to scam Americans into investing hundreds of thousands of dollars to attend pharmacist school. NIA has uncovered how economists were bribed to produce phony studies that forecast the need for 150,000 new pharmacists in America by 2020. Today, NIA is hearing from many young Americans who were deceived into getting pharmacist degrees and can’t find any pharmacist jobs no matter how many they apply for. These Americans are now deeply in debt and admit that they would have been better off getting minimum wage jobs stocking shelves somewhere.

NIA is very pro-education and dedicated to educating its members to the truth about the U.S. economy and inflation for free. Americans who read NIA’s articles and watch NIA’s documentaries for one year are guaranteed to learn more about the U.S. economy than they would have learned studying economics at an ivy league college for 4 years. NIA believes that in today’s world, any young American who is motivated to become well educated and have a successful career, can become self-educated by simply reading college textbooks and using the Internet.

Americans today need to change their mindsets. Instead of worrying about getting a job, they need to focus on making a job. Not only is it possible to become educated online at a low cost, but it is also possible to start an online business with almost no overhead expenses. The current system in America that everybody follows of studying useless information to get good grades in high school, taking out a student loan, going to college, taking out a mortgage, buying a house, and getting married, is setup to transfer wealth through inflation from the middle-class to bankers and lawyers who produce nothing for society. Americans need to stop being sheep and learn how to think for themselves.

To watch ‘College Conspiracy’ online for free, simply visit the NIA video page at: http://inflation.us.

About us:

The National Inflation Association is an organization that is dedicated to preparing Americans for hyperinflation. NIA offers free membership at http://www.inflation.us and provides its members with articles about the U.S. economy and inflation, daily news stories and blog updates, and important charts not shown by the mainstream media. NIA is the producer of economic documentaries that have received a combined 12 million views including the critically acclaimed ‘Meltup’, ‘The Dollar Bubble’, ‘End of Liberty’, ‘Hyperinflation Nation’, and brand new ‘College Conspiracy’. NIA provides unbiased reviews of the major online sellers of gold and silver bullion and also offers profiles of gold, silver, agriculture, oil, and alternative energy companies that could prosper in an inflationary environment. NIA is the creator of ‘NIAnswers’, the world’s most comprehensive database of questions and answers about inflation, currencies, debt, and precious metals.

Contact: Gerard Adams, 1-888-99-NIA US (1888-996-4287), editor@inflation.us

Web Site: http://www.Inflation.us

Startup Expert is the simple way to launch your new business

Startup Expert has recently announced the launching of their new entrepreneurial advisory service. The service helps aspiring entrepreneurs and startups overcome common challenges that most entrepreneurs face in their first 24 months of operation.

With the state of the economy where it is and a lack of stable jobs, income security is a big thing on people’s minds. One of the most popular routes people are taking now is to venture out and start their own business. Entrepreneurship can be a very scary avenue for people because there are many unknowns. Some people may not feel they have enough experience, education or knowledge to be successful. Startup Expert was created to help those people.

“Startup Expert is geared towards people looking to start their own business and entrepreneurs who are looking to take their business to the next level,” said Dezmon Landers, founder of Startup Expert. “We offer a monthly advisory service which allows people to interact with our business strategists and advisory team to seek advice and troubleshoot problems as necessary.”

Startup Expert uses technology to collaborate with clients all over the world. Through webinars and other online software, the team at Startup Expert is able to connect and interact with clients to hold meetings, view and edit documents and more as if they were in the office working side by side.

In a time when having an edge over your competition can determine whether or not your business succeeds or fails, it is crucial to have a strong business plan as well as a strategy team to assist you in all of a business’s daily functions like marketing, accounting, sales pitches, human resources and more.

The team at Startup Expert consists of business professionals with over 60 years of real business experience in different industries — Internet, construction, legal, financing, advertising — who have the knowledge to take business from idea to revenue quickly.

“We created Startup Expert to help eliminate the confusion and guesswork of running a business,” said Landers. “Through webinars, strategy meetings, email, phone support and consultations with business advisors, we provide all of the vital pieces in one package.”

Working with Startup Expert is a very cost-effective way of getting the real information you need about starting and becoming profitable in your new business. Alternatively, consultations with individual advisors like attorneys, accounts and financial advisors can cost thousands of dollars. Taking the DIY or Do It Yourself approach isn’t necessarily wrong but it may take longer than anticipated and cost more money in the long run.

“Each of our packages offers unique services geared towards entrepreneurs whether they’re still working full-time or their business is experiencing rapid startup growth,” said Landers. “Our team has become successful in our individual fields because we execute strategies that work in the real business world.”

“It is important for people to realize that they don’t have to go through the ups and downs so commonly associated with opening a business,” said Landers. “They can start their business off on the right foot with Startup Expert’s services and hit the ground running. Large and small companies all over the world have boards of directors, advisors and consultants aiding in their success; why are new entrepreneurs any different?”

Startup Expert is like having your own personal business advisory team to bounce ideas off of and seek solutions to problems.

About Dezmon Landers

Dezmon Landers is a graduate of The Ohio State University and currently works as a Startup Business Strategist. He has real startup experience working with Gobignetwork.com and Gotcast.com, and through his efforts he’s helped raise more than $500,000 in venture capital. He also sat on the Ohio Department of Education’s Entrepreneurial Advisory Council. Having the chance to have worked closely with and be mentored by some of the top business professionals in the country, he has gained a strong understanding of what works and what doesn’t work when it comes to starting a new business.

For more information, visit: http://www.startupexpert.us

CONTACT: Dezmon Landers, 404-941-4148, dezmon(at)startupexpert(dot)us

Web Site: http://www.startupexpert.us

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