Non chex systems bank and Rants

Chicago, Ill. (Vocus) August 29, 2009

The latest evidence that the US is beginning to pull out of the recession came in from gloomy numbers posted by a monthly report card of consumer payment patterns that noted some major credit card issuers announced small drops in the level of borrowers who were at least a month behind in payments. Second chance checking takes this news as a cue that many who had experience difficulties or had a closed account may be in need of a free second chance checking or bad credit checking account, states FreeSecondChanceChecking.com.

American Express Co. and Bank of America Corp. each announced a small drop in the level of borrowers who were at least one month behind in their payments in July as compared to the previous month. Though the figures are higher than historical standards, the latest numbers add to optimism that the economy is bouncing back. The latest numbers could be a sign of consumers gaining financial stability.

FreeSecondChanceChecking.com takes this as a sign that people who had experienced difficulties with their account may have found their financial footing and will be in need of a new free second chance checking. When a person has issues with their checking account, such as bounced checks or being negative in their account, they may have their account closed. When this happens, they will often be reported to verification systems such as ChexSystems or TeleCheck.

Many banks will use these verification systems when deciding whether to allow an application to open a new checking account. If an applicants name shows up in a negative light, they could be denied. An increased number of people have had this experience as the joblessness rate increased and the economy worsened. Now that the economy is showing signs of recovery, people affected may be in need of a bad credit checking account for a short period of time while they rebuild their credit.

About FreeSecondChanceChecking.com:

FreeSecondChanceChecking.com is a resource for people in need of second chance checking. People affected negatively by ChexSystems or TeleCheck may need second chance checking to rebuild their credit before applying for a new checking account.

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Toronto, Ontario, Canada (PRWEB) May 17, 2012

Empathica Inc., a leading global provider of Customer Experience Management (CEM) solutions to more than 200 of the worlds most respected brands, announced today that its Consumer Insights Panel survey of more than 6,500 U.S. consumers found that consumers plan to cut expenses across nearly every discretionary spending category. The top three areas expecting decline are in fine dining, furnishings and electronics. By contrast, staples including gas, pharmacy and grocery are not seeing declines compared to findings from this time the previous year.

Survey results show that consumers are cutting the least on gas with nearly nine out of ten consumers spending the same or more. When it comes to grocery, only one in five consumers reported a spending reduction versus 25 percent who expect to spend more. The survey also found that one in four consumers are cutting spending on pharmaceuticals, with 60 percent spending the same and 15 percent actually spending more.

Top Segments Where U.S. Consumers are Cutting Spending

1.

Chicago, IL (PRWEB) February 17, 2011

‘Bankless’ Americans can get a ‘Fresh Start’ in the banking community through DMG (Dottie Marketing Group) Internationals New Expanded 2nd Chance Checking Account Program being offered to everyone in all 50 states. The company, now, works directly with two (2) Walk-In banks, which have branches in 27 states and, also, offers Business Checking Accounts; four (4) Online banks, with fast Online decisions; and one (1) Mail-In bank, which provides an Official New Checking Account Application that needs to be mailed in for processing. This bank will open a New Free Personal Checking Account, through the mail, for individuals in all 50 states of the United States.

Walk-in bank branches are located in the following states: Arizona, Colorado, Illinois, Indiana, Michigan, South Dakota, Wisconsin, Minnesota, Alabama, Florida, Georgia, Kentucky, Louisiana, Maryland, Mississippi, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia, West Virginia.

All seven (7) banks offer a New Personal Checking Account that accepts direct deposits, wired cash, electronically filed income tax refunds, and electronic deposits and/or ACH payments. You will be able to pay bills online, check by phone, or by electronic payment. All seven (7) banks, also, will distribute a Visa or MasterCard Debit Card and Paper Checks. The Walk-In banks will issue your Welcome Checks in your initial walk-in visit. Your Visa Debit Card will arrive, in the mail, in about five (5) to seven (7) business days. If you open up your checking account through the Mail-In or Online process, paper checks and your Visa Debit Card will be sent, through the mail, arriving within seven (7) business days.

Today, DMG International has, successfully, researched the banking community and has been able to create their Expanded 2nd Chance Checking Account Program which includes a record seven (7) FDIC Insured Banks which all have 2nd Chance Checking Account Programs! There is a one-time bank program set-up fee for individual and/or joint accounts and Senior Citizens, College/Trade School Students and Veterans/ Active Duty Personnel. As soon as you become a member of the program, the Company will release complete application links and the locations of of the ‘walk-in’ banks within your resperctive area, if you live within the 27 states represented by the ‘walk-in’ banks.

DMG International has launched a nationwide marketing campaign, assisting those individuals who have been ‘blacklisted’ by ChexSystems and/or TeleCheck, the official credit bureaus of the banking industry. ChexSystems and TeleCheck are reporting agencies that provide negative banking information about individuals according to their previous history with banks. This, in turn, can ban that person from opening a new personal checking and/or savings account with another bank for up to seven years. There is NO ChexSystems or TeleCheck credit check required, in order to, qualify for these bank accounts.

The administrative process for their New 2nd Chance Checking Account Program is fast, safe and easily processed online, only. Once you sign up for their program, all new checking account information will be emailed, directly, to your email address, as well as, the location of all of the nearest ‘Walk-In’ bank branches and ‘Walk-In’ Branch Referral Forms. Walk-In banks are located in 27 states and the Online and Mail-In banks will accommodate everyone in all 50 states. In addition, an applicant is Guaranteed Approval, if he/she is, at least, 18 years old and possess one (1) VALID government issued Picture ID, such as, a Driver’s License, State ID, Military ID, or US Passport.

DMG International has, successfully, assisted over 10,000 applicants, in all 50 states, open 2nd Chance Checking Accounts since 2002. The Companys main goal for 2011 is to help as many bankless Americans, as possible, through a vigorous nationwide marketing campaign. For more information call Debby Jupiter, National Marketing Director @ 1-888-380-8872 or

email: debby(at)dmginternational3(dot)com

website: http://www.dmginternational3.com

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Singapore (PRWEB) May 18, 2012

According to a recent report on Forbes.com, high licensing and government-related fees are squeezing small businesses of their hard-earned profits and stifling entrepreneurship in the Gulf Cooperation Council (GCC). Affected GCC economies include Bahrain, Kuwait, Oman, Qatar, Saudi Arabia, and United Arab Emirates (UAE).

According to the report, four factors i.e. 1) business registration fees, 2) paid-up capital, 3) business renewal fees and 4) exorbitant rental rates put GCC entrepreneurs between a rock and a hard place.

1) Business registration fees, which include government fees, visas and deposits, ranges from US$ 5000 in Bahrain to US$ 15,000 in Saudi Arabia and UAE.

2) Paid-up capital of US$ 15,000 is also required to be deposited in banks in GCC for starting a business.

3) The annual business renewal fee of approximately US$ 10,000 is mandatory irrespective of profit or loss also proves to be a huge burden on new GCC startups, particularly in the first few years of operations.

4) Furthermore, high rental rates of commercial real estate and the annual government fee of approximately US$ 10,000 per branch prevent businesses from expanding their operations.

Singapore company registration specialist Rikvin is optimistic that the Republic offers a more business-friendly environment for entrepreneurship and could provide a respite to Middle Eastern entrepreneurs.

Explaining further, Mr. Satish Bakhda, Head of Rikvins Operations said, It is difficult for entrepreneurs in the GCC region to grow their businesses to the level that they desire or even focus on the future growth path with such conditions in place. In comparison, the cost of opening a Singapore company or running operations in Singapore are testament to the Republics consistent top ranking in World Banks Ease of Doing Business Index for the past six years.

Rikvin has recognized five factors that have motivated entrepreneurs to set up a company in Singapore in recent years.

EASE OF DOING BUSINESS IN SINGAPORE

According to the World Banks Ease of Doing Business Index, Singapore is the easiest place to do business due to factors such as the ease of starting a business, the ease of trading across borders and protecting investors. Although the cost of doing business in Singapore is increasing due to inflationary pressures, they are still significantly lower than in the GCC. Additionally, Singapores sophisticated business infrastructure and connectivity, stable political environment and sound fiscal policies are some of the reasons why foreign entrepreneurs continually take part in Asias growth story by choosing Singapore as their preferred company setup location.

STRATEGIC POSITION AND NETWORK OF TRADE AGREEMENTS

Singapores geographical location in the heart of Southeast Asia places it in close proximity to emerging markets such as China, India, Indonesia and Vietnam. Furthermore, with 20 Free Trade Agreements (FTAs) with 27 economies as well as 69 comprehensive Avoidance of Double Tax Agreements (DTAs) under its belt, Singapore facilitates business across borders and makes it less costly for small businesses in Singapore to expand their operations internationally.

ACCESS TO FUNDING

SPRING Singapore offers a wide variety of funding for Singapore-registered start-ups as well as business incubators and angel investors in order to spur entrepreneurship in the Republic. Funding is offered at different levels of growth, from starting up to building capabilities and for various industries. Other than public sector funding, businesses can tap lower interest rates offered by banks in Singapore.

ATTRACTIVE TAX SYSTEM

With regards to paying taxes in the Republic, Singapore corporate tax and personal income tax rates are progressive and designed to boost entrepreneurship. In addition, Singapore offers every Singapore-registered firm a 400% tax deduction or a 60% cash payout option each year for expenditure made in a wide variety of value-added activities via the Productivity and Innovation Credit (PIC) scheme. Additionally, capital gains are not taxed in Singapore.

All these factors give Singapore a defining edge in encouraging entrepreneurship and we are optimistic that Middle eastern entrepreneurs are in good stead to benefit from setting up a Singapore company, concluded Mr. Bakhda.

ABOUT RIKVIN:

Established in 1998, Rikvin has since partnered with thousands of investors, entrepreneurs and professionals in their pursuit to access business opportunities overseas. Rikvins areas of expertise include Singapore company incorporation, offshore company setup, accounting, taxation and other related corporate services. Rikvin also provides Singapore work visa and immigration services for foreign professionals who wish to relocate to Singapore.

20 Cecil Street, #14-01, Equity Plaza, Singapore 049705

(65) 6320 1888

http://www.rikvin.com

(PRWEB) May 18, 2012

To expand its collection of informative articles about payday loans, Payday.net has launched a new online resource with the title Policy on Responsible Lending. The site is offering the material with the idea that consumers searching for cash advances should be aware of the policies that will influence the contracts of loan lenders. With this information in hand, prospective loan borrowers can ensure that lenders are following the regulations set down by entities such as the Federal Trade Commission and Consumer Financial Protection Bureau.

Payday.net strives continually to ensure consumer protection by providing the knowledge necessary for consumers to make informed financial decisions, says Payday.net spokesperson Chuck Harrison. Numerous articles detailing the benefits and requirements of a payday loan as well as the security of the application process help us make sure that individuals know that they are able to borrow our loans safely and with complete confidence.

Payday.nets Policy on Responsible Lending article covers the ins and outs of policies such as the Fair Debt Collection Practices Act, which prohibits lenders from using deceptive or abusive methods of collecting debt from consumers. The page also covers the Truth in Lending Act, which requires lenders to disclose details of their loan contracts, and the Dodd-Frank Wall Street Reform Act, which entitles consumers to nondiscriminatory access to bad credit payday loans. Information on state lending regulations also appears in the new content.

Since 1998, Payday.net has made it a priority to help financially troubled American families and individuals find the payday loans they need to cover emergency expenses. Rather than directly provide funds to those in tight monetary situations, Payday.net aids them in their search for loan lenders. The sites extensive lender network allows consumers to pick and choose a loan lender contract that works in their best interests.

Filing out an application on Payday.net is a quick and easy process, and once an applicant is approved for a loan and subsequently signs a loan contract, the funds are transferred directly into their checking account by their lender in a swift and secure manner. This is advantageous to consumers who need the emergency funds as soon as possible. Payday.net advises consumers to first investigate the sites wealth of information concerning cash advances before skipping ahead to the application process. Prospective borrowers can access various educational pieces from the sites homepage and gain extensive knowledge. In addition to being able to learn about lending polices from the newest article, consumers can read about eligibility requirements, loan rates and fees, and the repayment process, among other topics.

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Roseville, CA (PRWEB) May 18, 2012

As the presidential election grows closer, it seems one of the only things both sides can agree on is the lack of jobs in America. Manufacturing jobs, like welding or machining, have largely gone to China or Mexico. With conservatives and liberals disagreeing on how to solve the problem, the everyday American still knows of only one way to help: buy American made products. But it can be hard to find American made parts that dont break the bank.

MKM Customs, a California based company that creates performance parts for diesel engines, aims to defy that stereotype. For the past seven years, MKM has machined and welded all of their parts in their California location. Accessories like grills, performance optimizers like diesel exhaust systems, or necessary items like suspension are all available through the companys website: http://www.mkmcustoms.com.

MKMs power stroke package for Ford trucks, the 6.0 Powerstroke STAGE 1 Power Package, retails for an affordable 2099.00. This kit improves diesel performance and keeps engines cleaner and cooler. MKM also offers similar kits for Chevy, GMC, and Dodge trucks.

These are the trucks that populate Americas heartland, said Michael Mitchell, a spokesperson for MKM Customs. What were hoping to do here is help people to save money on diesel, make their truck perform better and sound better, and at the same time keep Americans here at home in good jobs.

The reduced cost of manufacturing overseas often means that foreign businesses can offer pricing American businesses cant, forcing consumers with intentions to buy American to settle for a foreign part. To combat this, MKM Customs offers a price match guarantee and free shipping on orders over $ 100. Under MKMs price match guarantee, any product that retails for more than $ 100 is eligible. MKM promises that they will beat a competitors better price by $ 5. In addition, MKM offers customer support to answer any questions about optimizing diesel performance.

Our customers love that they can call us and speak to someone locally, instead of getting someone overseas, which is so often the case these days, Mitchell said. Before or after purchasing a new diesel exhaust, MKM customer service is available to discuss any concerns or difficulties installing the equipment

Newtown, PA (PRWEB) May 18, 2012

EPAM Systems, a leading software engineering and IT services provider with development centers across Central and Eastern Europe (CEE), announced today a partnership with eZ Systems, a Norwegian web content and customer experience management provider.

Together, EPAM Content Competency Center and eZ Systems now serve a growing number of organizations looking to open-source solutions for their online channel optimization needs. eZ Systems, through its family of products, offers a compelling answer to companies such as CS Monitor, American Museum of Natural History, Deutsche Bank, Havas Health, 20th Television and Informa, that are looking to create value through a streamlined multichannel delivery. eZs intuitive and simple editing solutions, innovative web experience management tools, advanced portals, and collaboration environments, work in harmony to create unparalleled ease-of-use and efficiency for their customers. EPAM, through its Content Competency Center now offers consulting, solution architecture, implementation, and support services for eZ products.

Choosing the right platform for a web content management system is an extremely important decision for our clients”, said Alex Lyashok, Vice President, Technology Solutions of EPAM, “Open source systems have come a long way and eZ Systems offers an important choice for customers. The combination of the openness and dynamic evolution of the eZ platform with the global delivery capabilities of EPAM offers customers support and scalability they need to leverage open-source in mission-critical enterprise applications.

Gartner, Inc., the world’s leading information technology research and advisory company, has included eZ in its 2011 Web Content Management (WCM) Magic Quadrant report, recognizing the companys maturity and growing sophistication of its product strategy. The companys strengths include the alignment of its business model and product with the extended solution landscape that Gartner envisions as well as the companys solid work with its partners.

EPAM is a great partner for eZ Systems. Our customers are driving innovation through the web and EPAMs Content Competency Center can offer the right solutions and support services required to drive a truly compelling web experience, said Gabriele Viebach, Group CEO of eZ Systems.

About eZ Systems

eZ Systems is the worlds leading provider of commercial open source content management software and has been an established player on the market for more than ten years. The international company has a staff of more than 100 employees. eZ Systems has continuously managed to gear towards a comprehensive customer experience management by building its own market place and through selective acquisitions in the area of recommendation systems and analysis. The innovative content management system eZ Publish sets new standards of quality, transparency and scalability. Thousands of companies, organizations, agencies, institutes and publishers worldwide are using eZ Publish. Among the customers are Deutsche Telekom, France Telecom, Orange, O2, Finanz Informatik, Madsack, Sparda Bank Group, 3M, the US Navy, the Wall Street Journal Asia and NASA.

For more information, please visit http://www.ez.no

About EPAM Systems

Established in 1993, EPAM Systems, Inc. is a leading global software engineering and IT consulting provider with delivery centers throughout Central and Eastern Europe. Headquartered in the United States, EPAM employs over 7,000 IT professionals and provides services to clients worldwide using a global delivery model through its client facing and delivery operations in the United States, Belarus, Hungary, Russia, Ukraine, UK, Germany, Kazakhstan, Sweden, Switzerland, and Poland.

EPAM’s core competencies include complex software product engineering for leading global software and technology vendors, as well as development, testing, maintenance, and support of mission critical business applications and vertically oriented IT consulting services for Forbes Global 2000 corporations.

EPAM is recognized among the top companies in IAOP’s “The 2011 Global Outsourcing 100″, featuring EPAM in a variety of sub-lists, including Leaders Technology (Hardware & Software) and Leaders Entertainment & Media. The company is also ranked among the best global service providers on “The 2011 Global Services 100″ by Global Services Magazine and NeoAdvisory, which includes EPAM in the list of the world’s “Top Outsourced Product Engineering Vendors” for the 3rd year running.

For more information please visit http://www.epam.com

Forward-Looking Statements

This press release includes statements which may constitute forward-looking statements made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, the accuracy of which are necessarily subject to risks, uncertainties, and assumptions as to future events that may not prove to be accurate. Factors that could cause actual results to differ materially from those expressed or implied include general economic conditions and the factors discussed in our most recent Annual Report on Form 10-K and other filings with the Securities and Exchange Commission. EPAM undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as may be required under applicable securities law.

Boston, MA (PRWEB) March 16, 2012

For some consumers, getting a simple bank checking account can be surprisingly difficult if they have a history of bounced check writing or accounts in default. The trusted online consumer site ReallyBadCreditOffers.com has announced a new report being released detailing how to find and get approved for second chance bad credit bank checking.

The ChexSystem tracks involuntary bank account closure that can occur from an extended negative overdraft period, fraudulent activity, or a history of excessive overdrafts.

The Chex Systems maintains records for up to 5 years and is used by a reported 80% of banks and credit unions to restrict qualification for new for new applicants according to helpwithmybank.gov.

“Past mistakes should not slam shut the doors of our financial system forever, there needs to be a mechanism for people to rebuild their reputation,” said Ariel Pryor.

The new guide being released by ReallyBadCreditOffers.com is designed to help individuals find banking institutions that provide second chance accounts for credit repair and do not use the Chex System to disqualify applications.

Visitors are encouraged to fill out a simple form with basic information in order to gain access and approval for a new checking account.

The recommended banks provide consumers an opportunity to rebuild their credit reputation and do not require a credit check or clean Chex history for approval.

Contact:

Ariel Pryor, Bad Credit Expert

http://www.reallybadcreditoffers.com

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Rutland, VT (PRWEB) May 17, 2012

FairPoint Communications, Vermont Attorney General William Sorrell, AARP Vermont and Rutland City Police Department held a press conference today to raise awareness about a telephone scam originating from the Jamaican 876 area code that targets seniors in Vermont and across northern New England. FairPoint also unveiled a Public Service Announcement and expanded website, http://www.bewareof876.com, with resources to identify and prevent phone scams.

Todays press conference was prompted by information about a Rutland-area senior who received nearly 30 phone calls from the 876 area code in less than a months time. This is just the latest in an alarming of number of cases of telephone scams originating from the 876 area code have been reported in Vermont, according the Vermont Attorney Generals office and FairPoint Communications.

Vermonters receiving an unexpected call from area code 876 should be on high alert. These calls are almost certainly from scam artists, said Vermont Attorney General William Sorrell. We are pleased to join forces with FairPoint Communications, law enforcement officials, local authorities, seniors organizations, and others to warn the public about so-called Jamaican scams. Money sent to these thieves is gone for good. Joint efforts, like this, are key to preventing devastating losses.

The Attorney General reports that his office receives more than 1,000 calls per year on phone scams, of which approximately 20 percent involve calls from Jamaica.

Over the last two years, some Vermonters who notified his office about scams originating in Jamaica reported losses between several hundred dollars and $ 18,000, with many in the range of $ 2,000 to $ 6,000.

While this is the first case reported to the Rutland Police of a telephone scam originating from area code 876 in Rutland, police believe there are more victims who are afraid or ashamed to come forward, said interim Rutland Police Chief Jim Baker. If you have received suspicious calls from unfamiliar numbers please contact local authorities or your telephone provider. Together we can stop this scam and protect our seniors.

FairPoint launched the Beware: Scams from Area Code 876 campaign in late March in response to these scams and created a website, http://www.bewareof876.com for tips on preventing phone scams. The announcement gained national and international attention, prompting additional media coverage that forced the Jamaican government to establish a task force to address the 30,000 calls made from Jamaica into the U.S. attempting to defraud American citizens every day.

An Associated Press report noted conservative estimates that put the yearly take from Jamaican scams at $ 300 million, up from about $ 30 million in 2009.

We know that Vermont seniors are regular targets of scams originating from area code 876. Our goal is to help shed light on the abusive treatment of seniors and provide resources to family members, law enforcement and senior organizations to identify and prevent these scams, said Mike Smith, Vermont state president of FairPoint Communications. We recently expanded http://www.bewareof876.com to provide additional tools and resources and have developed a compelling Public Service Announcement that is available to download.

The scam works as follows:

CAMBRIDGE, MASSACHUSETTS (PRWEB) May 17, 2012

Syed Gilani, CEO of Z- Square Technology (ZST) has confirmed that a leading financial strategist, Karim Ghachem, has joined the Board of Advisors of Z-Square Technology.

Leading security systems provider, Z-Square Technology provides Americas ID, the next generation identity card and drivers license system which meets all REAL ID standards set out by the U.S. Congresss REAL ID Act of 2005. Z-Square Technology is a wholly owned subsidiary of TABS Group International (TGI), a global technology, research, marketing, and training company.

The CEO of ZST is excited to welcome Mr. Ghachem to the board. Karim Ghachem comes not only with a strong financial sector background but also brings with him essential skills from his U.S. Marine Corps service. His extraordinary success in career will translate into the strength of Z-Square Technology in the highly competitive market of security systems.

Karim Ghachem has over ten years of experience working at the worlds foremost financial institutions where he established and manages their leading client base. He received a Bachelors of Arts at Tufts University in Cambridge, Massachusetts and went on to serve the United States Marine Corps Officer Development Command in Quantico, Virginia. Becoming a U.S. Veteran, Mr. Ghachem joined Brown Brothers Harriman and Credit Agricole where he developed and managed top institutional relationships. He then joined State Street Corporation in Boston and New York where he oversaw their business development with Institutional investors and established many of their most prominent relationships.

Mr. Ghachem spent fifteen years living in Saudi Arabia and then the United Arab Emirates where he cultivated an extensive network of business partners and investors. He is consulted by investment banks, hedge funds, energy companies, governments, media, and technology firms to structure and implement business development strategies and raise capital for a multitude of projects, investment funds and joint ventures.

About the CEO of ZST

Syed Gilani is currently the President of WMX Group, Inc., a publicly trade holding company. He is a seasoned entrepreneur with global vision and international business management acumen, Syed Gilani has more than 17 years of proven experience in transforming business ideas into profitable global enterprise with a deep understanding of North American, Caribbean, European and Asian Markets. Mr. Gilani is also the CEO of TABS Group International (TGI), the parent company of ZST and almost half a dozen other technology service-providing companies.

About Z-Square Technology (ZST)

Z-Square Technology is a leading security technology management systems provider. Enabling organizations to better develop their electronic products and integrate different hardware and software in a faster and more cost-effective manner. Z-Square Technology provides complete consultancy, software and hardware development through already tested processes and hardware integration, while at the same time offering customized solution development support for unique performance in a competitive market.

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