Monday, August 27, 2007
Factoring Company Helping Freight Brokers
Leading Factoring Company Helping Freight Brokers Finance Their Growth
April 03, 2007 - (PRLEAP.COM) (PRLEAP.COM) Miami, Florida - Commercial Capital LLC, a leading factoring company, has started offering factoring financing to freight brokers. This type of financing, which is common in the transportation industry but seldom available to brokers, enables companies to get an advance on their invoices eliminating the usual 30 to 60 day payment wait.
Waiting up to 60 days to get their freight bills paid can wreak havoc on new and growing freight brokerages. Truckers usually demand payment in less than 60 days, forcing brokers to pay out of pocket, while they wait to get paid by the end client. Factoring provides freight brokers with an advance on their slow paying freight bills, providing them with needed funds to pay truckers and suppliers.
"Freight brokers operate businesses that demand a lot of cash," said Marco Terry, president of Commercial Capital LLC. "Freight bill factoring provides them with a solution that solves their cash flow problems, providing them with money to pay key suppliers and secure additional truck loads", added Terry.
As opposed to bank financing, factoring is easy to obtain. Factoring companies base their financing decisions on the strength of the client's receivables and payers basically the broker's freight bills. This makes it an ideal solution for new and growing brokers who have a strong roster of customers but not a lot of capital. Freight factoring is a great solution for companies whose main challenge is that they cannot afford to wait 60 (or more) days to get paid.
About Commercial Capital LLC
Commercial Capital LLC is a leading factoring company that provides accounts receivable factoring and purchase order financing. For information, please call (866) 730 1922 or go to http://factoring.qlfs.com/html/categories.html or http://factoring.qlfs.com/html/freight_bill_factoring_for_tru.html
Friday, August 24, 2007
Early Prescription Refills in Minnesota Disaster Areas
Humana to Allow Early Prescription Refills in Minnesota Disaster Areas
Company waives prescription refill rule for members affected by storms and flooding
August 24, 2007 - MINNEAPOLIS--(BUSINESS WIRE)--Humana Inc. (NYSE: HUM) announced today it will allow its health plan members in three southeastern Minnesota counties to obtain early refills of their prescriptions in the wake of devastating thunderstorms and flooding that have struck the region in recent days.
President Bush has declared Fillmore, Houston and Winona counties federal disaster areas following the storms and flooding, which killed seven people and damaged thousands of homes.
With flooding and property damage widespread in the area, Humana today has temporarily lifted the normal 30-day restriction on early prescription refills for its health plan members in Fillmore, Houston and Winona counties over the next seven days.
The early-refill waiver on prescriptions is in effect in those counties for all Humana members through August 31, 2007.
Humana is one of Minnesota's largest providers of Medicare health benefits. More than 100,000 members statewide use Humana's Medicare Advantage health plans or Medicare prescription drug plans.
Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health benefits companies, with approximately 11.3 million medical members. Humana offers a diversified portfolio of health insurance products and related services - through traditional and consumer-choice plans - to employer groups, government-sponsored plans, and individuals.
Over its 46-year history, Humana has consistently seized opportunities to meet changing customer needs. Today, the company is a leader in consumer engagement, providing guidance that leads to lower costs and a better health plan experience throughout its diversified customer portfolio.
More information regarding Humana is available to investors via the Investor Relations page of the company's web site at http://www.humana.com, including copies of:
* Annual reports to stockholders;
* Securities and Exchange Commission filings;
* Most recent investor conference presentations;
* Quarterly earnings news releases;
* Replays of most recent earnings release conference calls;
* Calendar of events (includes upcoming earnings conference call dates and times, as well as planned interaction with research analysts and institutional investors);
* Corporate Governance Information.
Mark Mathis, 312-441-5010
Sunday, August 19, 2007
E-mail Provider Offers 10GB Online E-mail Storage
Premium email provider Runbox Ltc. increases online storage space for its online email service Runbox.com to 10 Gigabyte (GB) per email account plus 1 Gigabyte (GB) for files.
(PRWEB) September 30, 2005 -- Runbox Ltd. is a global premium email service provider delivering premium email world wide since 1999.
Says Runbox founder and CEO Hans Lysglimt: "During the last year it seems the world woke up to Runbox vision that email will be read, written and stored online, accessible everywhere and on any device. Runbox pioneered the high online storage space premium email segment in 2000 when we launched the first 100 MB storage accounts, unheard of at the time. We then increased to 1 GB accounts in 2004 (admittedly sparked by the competition). We now see that the trend of increased email storage space for premium email will continue indefinitely. We will soon be sending each other full length feature movies (700 MB+) as attachments."
Runbox is therefore announcing that we will up the storage quota for all email accounts to 10 GB and files storage to 1 GB effective immediately. With this we want to signal once and for all that your Runbox account has virtually unlimited storage capacity for the foreseeable future (we are talking many many years) and that you may safely trust to store all your email in your Runbox account. With 10 GB email storage there should be no reason to worry about getting a full mailbox for anyone.
Runbox vision is that email users will have their entire email archive online and be able to search trough this for the rest of their lives. "The value of having all your email online, current email and your email archive going back years will only go up. As you have your email archive available you will learn to depend upon it." says Runbox CEO Hans Lysglimt.
"In the future we will all have our personal files, data and email stored online. We will use this data with a number of applications to increase our productivity and efficiency. Your Runbox email archive is already today available for you by any email protocol you like. You can import, export and manipulate your email in any way you like using Runbox. This is the future of personal computing." says Hans Lysglimt.
Runbox Ltd. is a private Norwegian company pioneering premium email since 1999. Runbox is an email hosting provider to both individuals and businesses world wide. Runbox is closely affiliated with Linpro AS, Norway's leading Linux development company.
Runbox is a premium email provider competing with Gmail, YahooMail, Hotmail, AOL mail and other leading global email providers.
Press Contact: Hans Lysglimt
Thursday, August 09, 2007
Class Action Lawsuit Filed Against United States Postal Service
Class Action Lawsuit Filed Against United States Postal Service
United States Postal Service
A proposed class action lawsuit has been filed against the federal government agency for violating terms of the Privacy Act and distributing contact information of its employees to marketing partners. The lawsuit was filed on behalf of all employees and claims the United States Postal Service (USPS) allowed private businesses, as part of its Strategic Business Initiatives plan, to access and utilize its 'employee master file' that contains private information including home addresses of all career and non-career, full and part-time employees.
The complaint states the business initiatives plan allows private corporations to submit bids for co-branding agreements. Under these agreements the USPS logo is branded on various marketing materials and sent to the private residences of USPS employees.
United States Postal Service Legal Help
If you have suffered damages in this information breach case, please click the link below to send your USPS complaint to a lawyer who will evaluate your claim at no cost or obligation.
Click here for legal help and a free evaluation of your possible case
Tired of Buying Stamps?
StampsByMail.us is officially open for business. StampsByMail.us will deliver Stamps to customers homes or offices. In addition, StampsByMail.us has a Subscription program allowing customers to automatically receive Stamps Monthly or Bi-Weekly. StampsByMail.us is a wholly owned subsidiary of Wigen Holdings, Inc. or WHI, and was founded by Jim Wigen.
(PRWEB) August 9, 2007 -- StampsByMail.us is officially open for business. StampsByMail.us will allow people or businesses to order Stamps by phone or online and have them delivered right to their door. In addition, people can enroll in a Stamp Subscription Program, and automatically receive Stamps Monthly or Bi-Weekly.
StampsByMail.us sells First Class Flag Stamps in the form of books or rolls. In addition, they offer the new Forever Stamps and Postcard Stamps. All stamps are sold at regular postal rates, however, depending on the quantity ordered, there is a small shipping charge. These charges range from $.79 for 1 book of stamps to $9.99 for quantities over 50.
StampsByMail.us is focused on providing a service which saves people time. Buying stamps is something most Americans do every month, and up to this point most Americans went to the Post Office to buy their stamps. With the delivery service StampsByMail.us provides, Americans can now have their stamps delivered to their home or office, rather than go to either the Post Office or locate another retailer to buy their stamps.
StampsByMail.us offers a great referral program. Once people have signed up for the referral program, they receive a member number. This number is used to promote the StampsByMail.us Stamp Subscription Program, which allows people to receive their books or roles of Stamps Monthly or Bi-Weekly. Customer orders are sent to their home or office.
Referral members can promote the Subscription Program to friends, family, co-workers or anyone else they can think of. Every month, the person you helped enroll in the Stamp Subscription Program makes a payment, the referral member will receive $.50 cents. Once a member has signed up 20 or more monthly subscribers, they will receive $1.00 for EACH person they signed up. This is a great way for people to make extra money working from home, and set their own hours.
StampsByMail.us donates 5% of all profits to the Believe In Your Dreams Foundation, a 501(c)(3) non-profit organization assisting people who are suffering from life-altering circumstances. To learn more about this foundation, please visit www.BelieveInYourDreams.org.
Press Contact: Jim Wigen
Company Name: StampsByMail.us
Tuesday, August 07, 2007
Countrywide Suite Says Black Customers Charged More
Homepage » New Law Suits
Countrywide Home Loans Inc.
A federal lawsuit has been filed and is seeking class action status against the nation's largest home lender for allegedly charging African American borrowers more for subprime mortgages. The lawsuit was filed in US Court in Boston and contends Countrywide violated federal housing discrimination laws by requiring black homeowners to pay higher fees to the network of agents that generate Countrywide's new customers.
The lawsuit claims Countrywide and its subprime subsidiary, Full Spectrum Lending Inc., charged black customers more for subprime mortgages than it charged white borrowers in similar financial situations.
Countrywide Home Loans Inc. Legal Help
If you have suffered damages in this racial discrimination case, please click the link below to send your Countrywide Home Loans complaint to a lawyer who will evaluate your claim at no cost or obligation.
Click here for legal help and a free evaluation of your possible case
Online Legal Marketing Ltd.
23-1917 West 4th Ave. Vancouver BC Canada V6J 1M7
© 2001-2007 Online Legal Marketing Ltd. All Rights Reserved.
Free Credit Reports
Your Access to Free Credit Reports
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation's consumer reporting companies. The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FCRA with respect to consumer reporting companies.
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.
Q: How do I order my free report?
A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.
To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/bcp/conline/edcams/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
A Warning About "Imposter" Websites
Only one website is authorized to fill orders for the free annual credit report you are entitled to under law - annualcreditreport.com. Other websites that claim to offer "free credit reports," "free credit scores," or "free credit monitoring" are not part of the legally mandated free annual credit report program. In some cases, the "free" product comes with strings attached. For example, some sites sign you up for a supposedly "free" service that converts to one you have to pay for after a trial period. If you don't cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.
Some "imposter" sites use terms like "free report" in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these "imposter" sites direct you to other sites that try to sell you something or collect your personal information.
annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It's probably a scam. Forward any such email to the FTC at firstname.lastname@example.org.
Q: What information do I need to provide to get my free report?
A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.
Q: Why do I want a copy of my credit report?
A: Your credit report has information that affects whether you can get a loan - and how much you will have to pay to borrow money. You want a copy of your credit report to:
* make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
* help guard against identity theft. That's when someone uses your personal information - like your name, your Social Security number, or your credit card number - to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don't pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Q: How long does it take to get my report after I order it?
A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.
Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.
There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know.
Q: Are there any other situations where I might be eligible for a free report?
A: Under federal law, you're entitled to a free report if a company takes adverse action against you such as denying your application for credit, insurance, or employment and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.
To buy a copy of your report, contact:
* Equifax: 800-685-1111; www.equifax.com
* Experian: 888-EXPERIAN (888-397-3742); www.experian.com
* Trans Union: 800-916-8800; www.transunion.com
Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.
Q: Should I order a report from each of the three nationwide consumer reporting companies?
A: It's up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That's not to say that the information in any of your reports is necessarily inaccurate; it just may be different.
Q: Should I order my reports from all three of the nationwide consumer reporting companies at the same time?
A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It's your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.
Q: What if I find errors - either inaccuracies or incomplete information - in my credit report?
A: Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.
1. Tell the consumer reporting company, in writing, what information you think is inaccurate.
Consumer reporting companies must investigate the items in question - usually within 30 days - unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.
When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct - that is, if the information is found to be inaccurate - the information provider may not report it again.
Q: What can I do if the consumer reporting company or information provider won't correct the information I dispute?
A: If an investigation doesn't resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.
If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company.
Q: How long can a consumer reporting company report negative information?
A: A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you've applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.
Q: Can anyone else can get a copy of my credit report?
A: The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, employment, or renting a home are among those that have a legal right to access your report.
Q: Can my employer get my credit report?
A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.