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Archive for ◊ June, 2014 ◊

Commodity finance in China
Friday, June 13th, 2014 | Author:

AT THE best of times, seizing collateral on defaulted loans in China is a fraught task, plagued by patchy enforcement. These are not the best of times in the port of Qingdao, a trading hub in the north-east. Police are investigating whether companies have committed fraud by pledging the same holdings of copper and aluminium to multiple banks, multiple times. The banks are scrambling to see how much of the metal sitting in Qingdao’s warehouses actually belongs to them.

More than just a fraud, the tale exposes China’s financial idiosyncrasies and the lengths to which firms sometimes go to borrow money. Regulators have tried to choke off credit to metal traders in recent years as part of efforts to slow pell-mell construction. Traders have devised a simple workaround. Banks have been willing to grant them letters of credit to fund purchases of metal. The traders have used the credit to buy some and then, on occasion, immediately resell it, leaving them with cash to invest in high-yielding shadow-bank products.

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Thursday, June 12, 2014, 05:28 pm PT (08:28 pm ET)

Yahoo Finance frets that Apples iPhone, iPad only grab the majority of all mobile shopping traffic

Editorial By Daniel Eran Dilger

Apples iPhone accounted for 58 percent of smartphone shopping traffic while iPads took an overwhelming 86 percent share among tablets, but Yahoo Finance is warning investors that Apples dominance of shopping is slowly losing share.

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Rich Ramaci has joined Residential Home Mortgage Corporation (RHMC) as their newest Regional Sales Manager. Ramaci has a solid foundation in banking, customer service and technology. A veteran in the industry, he has been originating loans since 2002, and has closed over 1,300 loans with over $365 million in volume.

Ramacis career experience, both inside and outside the mortgage banking industry, have helped him develop the necessary skills to excel in a client-focused environment. Customer service is the foundation of any business relationship. Keeping my clients educated and informed is paramount. No two mortgage scenarios are the same. No two clients are the same. Each deserve their own unique time and attention,says Ramaci.

Licensed in New Jersey, New York, Connecticut, and Pennsylvania, Ramaci has experience working with clients of all professional and income levels. From families starting out buying their first home to high-level executive homes and everything in between, he is dedicated to helping his clients reach their financial goals.

Richs dedication to client service and his desire to exceed expectations make him the perfect fit for RHMC. His experience, knowledge, and personable but straight forward approach will make him a tremendous asset to our clients and our company, said RHMC President John Rooney.

Ramaci is a resident of Clinton Township, is married and has two children. To learn more, visit

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SCOTTSDALE, Ariz., June 2, 2014 /PRNewswire/ –Abtech Holdings, Inc. (OTC QB: ABHD) (AbTech or the Company), a full-service environmental technologies and engineering firm dedicated to providing innovative solutions to communities, industry and governments addressing issues of water pollution and contamination, today announced the addition of Upen Bharwada with subject matter expertise in liquid separation technologies of functional polymers, adsorbents and polymeric membranes, and Alexander Mouldovan, a successful entrepreneur and technology visionary, to its Advisory Board.

Mr. Upen Bharwada is recognized for catalyzing accelerated growth of four liquid separation technologies from the early stages of their respective Technology S curves. Through teamwork, market-centric focus, patents and innovative leadership, the products and technologies he developed and commercialized have generated a cumulative $1.2 billion in direct revenue while creating a demand of $3 billion cumulative for adjacent space products, systems, chemicals and engineering services over 25 years. Mr. Bharwada was with the DOW Chemical Company for 18 years in positions of successively complex technical and business responsibilities including VP of Ramp;D and BOD member at the FilmTech Corporation. He served as VP of Manufacturing and Ramp;D as well as VP of the Asia Pacific and ANZ Business Unit in his four years at ZENON Environmental Inc. in Oakville, Ontario (now a part of GE Water). He also served as President and Chief Operating Officer at HYDRANAUTICS in Oceanside, California and was a Business Operations Executive for the Filters and Membranes Pamp;L of GE Water and Process Technologies. He joined Hydration Technology Innovations in Scottsdale, AZ as an Executive VP and Chief Technology Officer in 2011 to assist in the development and commercialization of Forward Osmosis technology in industrial applications. Mr. Bharwada has BS in Chemical Engineering from Institute of Technology at BHU (affiliated with Indian Institute of Technology), MS in Chemical Engineering from Illinois Institute of Technology, Chicago and an MBA in Marketing and Finance from University of Cincinnati.

Alexander Mouldovan founded Crowd Factory, a social marketing platform for businesses used by companies including HBO, Microsoft, Comcast, Molson, Sony Music and McAfee, which was acquired by Marketo in 2012. At Marketo, he led Product Management, driving the Roadmap and development priorities for the company, through and past the IPO in May 2013. Mr. Mouldovan also created or led product for Tribe Networks (acquired by Cisco) and Cenzic (acquired by Trustwave) and InterTrust (IPO and later acquired by Phillips and Sony for $453M). Educated at Dartmouth, he now operates as an investor and advisor to technology and sustainability companies, striving to create a world where we are proud to live.

Commenting on the latest additions to Abtechs advisory board, Glenn Rink, Abtechs CEO, said, We are very fortunate to have attracted such highly accomplished professionals to our Advisory Board who each has successfully launched and commercialized disruptive technology into the market. We believe that both Upen and Alexander will help us to shorten our sales cycle and open new opportunities for the AbTech SmartSponge technology.

In addition, AbTech announced today that it has received an extension from the US Environmental Protection Agency (EPA) of a time limited registration of its antimicrobial Smart Sponge Plus material under the Federal Insecticide, Fungicide and Rodenticide Act, which was conditioned upon AbTech submitting additional data regarding the active ingredient in Smart Sponge Plus. In January 2014, when it became evident that the requested laboratory tests would provide data of no scientific value, the Company requested a waiver from the EPA of the data requirement and requested that the time-limited condition of the registration be lifted and the registration be made effective without a time limitation. In May 2014, the Company filed a request for an additional extension of the time-limited registration, which was granted to year-end 2014.

Also, on May 30, 2014 AbTech secured funding of the final $1.1 million of the $2 million multi-advance credit facility private offering initiated in March 2014. The credit facility is in the form of short-term, 7.5% secured promissory (non-convertible) notes with accompanying 20% warrant coverage.

AbTech Industries, Inc. (a subsidiary of Abtech Holdings Inc.) is a full-service environmental technologies and engineering firm dedicated to providing innovative solutions to communities, industry and governments addressing issues of water pollution and contamination. Its products are based on polymer technologies capable of removing hydrocarbons, sediment and other foreign elements in stormwater runoff (ponds, lakes and marinas), flowing water (curbside drains, pipe outflows, rivers and oceans), and industrial process and wastewater. AbTechs offerings include the ground-breaking new antimicrobial technology called Smart Sponge Plus. This technology is effective in reducing coliform bacteria found in stormwater, industrial wastewater, and municipal wastewater. Smart Sponge Plus is registered with the Environmental Protection Agency (Registration #86256-1). AbTechs teams of water treatment technology experts, civil and environmental engineers, and field operations specialists develop solutions to improve the quality of our limited water resources. AEWS Engineering (a subsidiary of Abtech Holdings, Inc.), is an independent engineering civil and environmental engineering firm partnered with top research and engineering universities. By focusing on bringing new engineering and technology innovation to the water infrastructure sector, AEWS is positioned to be at the forefront of stormwater Best Management Practices development and to deliver the latest in design excellence to its customers. For more information please visit More information on AEWS Engineering can be found at

This news release contains forward-looking statements which are not purely historical and include any statements regarding beliefs, plans, expectations or intentions regarding the future. Such forward-looking statements include, among other things, the development, costs and results of new business opportunities. Actual results could differ from those projected in any forward-looking statements due to numerous factors. Such factors include, among others, the inherent uncertainties associated with new projects. These forward-looking statements are made as of the date of this news release, and we assume no obligation to update the forward-looking statements, or to update the reasons why actual results could differ from those projected in the forward-looking statements. Although we believe that any beliefs, plans, expectations and intentions contained in this press release are reasonable, there can be no assurance that any such beliefs, plans, expectations or intentions will prove to be accurate. Investors should consult all of the information set forth herein and should also refer to the risk factors disclosure outlined in our annual report on Form 10-K for the most recent fiscal year, our quarterly reports on Form 10-Q and other periodic reports filed from time-to-time with the Securities and Exchange Commission.

SOURCE Abtech Holdings, Inc.


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Home Mortgage And Refinance Lender Is Now Accepting Applications At Even Lower Lending Rates With Instant Approval For June Through The Nationwide Lending Network

Seattle, Washington (PRWEB) June 02, 2014

Americas popular loan resource has now making it even easier for mortgage and refinancing shoppers to get approved at even lower lending rates in June through the expansion of their lending network. For people who have been turned down in the past, recent changes in home loan laws are now making it easier for them to get approved. – 60 Second Home Loan Application Form

Home loan and refinance shoppers are also encouraged to take advantage of finding out their credit score after applying for a home loan. The popular lending resource has a simple to use credit score tool that allows consumers to take advantage of finding out their credit score before finalizing their home loan provider.

About Complete Home Loans

The Home purchase, equity, and refinancing loan company services customers across America no matter their credit history. They specialize in matching people with good, bad, or no credit to lenders who may be able to qualify them for a home loan. Their network of lenders is the largest in the United States and offers low interest financing to home owners or shoppers.

People who’ve been turned down in the past are able to use their easy online application form to instantly get approved for a loan (no matter their credit history).

For the original version on PRWeb visit:

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Replace Vehicle Recommended By Bankruptcy Attorneys
Wednesday, June 11th, 2014 | Author:

( — May 28, 2014) Newport Beach, CA –When a person files for bankruptcy, it is often difficult for the individual to find a vehicle loan with a reasonable interest rate. Replace Vehicle makes buying a car after filing bankruptcy, as seen at, much simpler and cheaper than with other financing options.

Those who are buying a car after a bankruptcy filing as seen at may encounter problems with traditional financing options. Most banks and lending companies want far too much interest for a car loan if the borrower has a fresh bankruptcy filing. In fact, the interest rate and fees for a traditional loan can be so high that the debtor is in danger of not being able to afford a vehicle at all.

Replace Vehicle makes it affordable and easy to buy a car after a bankruptcy filing, as seen at The process is simple: after receiving the customers information, Replace Vehicle reaches out to a number of lending partners for a loan commitment. The borrower receives all details via email and also receives a formula to calculate a car payment based on amount spent and loan term. This flexibility allows borrower to exercise options when it comes to choosing a vehicle.

Bankruptcy attorneys are very supportive of Replace Vehicle and often recommend it to their clients after filing. With the help of Replace Vehicle, borrowers can find a reasonable interest rate on a car loan even after bankruptcy.

About Replace Vehicle: Replace Vehicle is a private lending facilitator that helps bankruptcy clients find affordable vehicle financing after filing. A discharge is not necessary.

For More Information:

Jeff Cohen

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Each year on Memorial Day weekend, there’s a giant exodus from much of Pennsylvania towards the Jersey Shore. Some folks head for the glitter and night life of Atlantic City while others head for the relatively quiet Victorian gingerbread homes of Cape May. Still others opt for family-friendly Ocean City, tony Stone Harbor or any number of quaint shore towns in between.

Those lucky enough to score a prime vacation rental on the shore often consider the possibility of sticking around… perhaps permanently. If you’re thinking of buying a shore or other vacation property, here are twelve tax tips to consider:

  1. The Internal Revenue Service considers a vacation home or a second home one that is permanently in place (even though it could be moved, like an RV) and offers sleeping, cooking and toilet facilities. This would include not only a shore or lake home but a condo, co-op, mobile home, RV, house trailer, yurt or a yacht. It need not be fancy (a bare bones structure works) or located in a vacation area (somebody somewhere has to want a second home in Cleveland, right?). When you’re shopping around, keep in mind that you don’t have to have a Hamptons-style manse to take advantage of available federal tax breaks. It does, however, have to have a structure: bare land doesn’t count.
  2. For tax purposes, you can deduct “qualified residence interest” on a mortgage secured by a second home – that’s in addition to interest that you pay on a mortgage that is your primary residence. It also applies to additional loans on a primary home or second home including a second mortgage, a line of credit, or a home equity loan. If you itemize your deductions on a Schedule A and you have a mortgage on a qualified home in which you have an ownership interest, you can deduct the interest you pay on that mortgage. The total amount of debt that you can use for purposes of calculating the home mortgage interest deduction for your main home and second home cannot be more than $1 million ($500,000 if married filing separately); some exceptions apply for grandfathered debt. You can bump the number up even more if you have qualifying home equity debt.
  3. In addition to mortgage interest, local and state real estate taxes paid on a second or vacation home are also generally deductible.
  4. You can also deduct personal property taxes payable on the value of personal property at your second or vacation home, including those taxes due on your yacht or other boats (that deduction is available if you itemize regardless of your living arrangements). Personal property taxes are imposed by state or local government on certain kinds of property like your cars or boats. In some states, it might also be imposed on recreational vehicles like snowmobiles, ATVs and jet skis; if so, those may be deductible. Note, however, that only personal property taxes are deductible on these items for federal income tax purposes and not your registration fees.
  5. If the property is your own property and you never rent it out, you can claim those breaks (items #2-#4) but not the cost of upkeep of the property. As with your primary residence, home improvements are personal in nature and are rarely deductible (some exceptions apply).
  6. If you rent out your property, you may be able to deduct some home improvement costs. To qualify, you must not personally use the home for at least 14 days or 10% of the number of days you rent it out at a fair rental price (letting your favorite cousin stay there on the cheap doesn’t count). Assuming that you meet the criteria, you don’t take the deduction for home mortgage interest on a Schedule A but rather you claim the expenses related to the property together with rental income received on a Schedule E. Those expenses may include mortgage interest, real estate taxes, casualty losses, maintenance, utilities, insurance, and depreciation – the total of those will reduce the amount of rental income that is taxed.
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Ostensibly, the long wait for start of work on the Polyclinic expansion is over.

The reason is that this second largest and the oldest government hospital of the capital city has secured funding for the execution of the Rs10 billion plan in the next fiscal beginning on July 1.

As shown in the Public Sector Development Programme 2014-15, Polyclinic is to get Rs55.321 million for acquiring land for its expansion on the adjoining Argentina Park and Rs200 million for beginning construction on it.

A senior member of the Polyclinic staff insists he’s high hopes that the hospital will get the possession of the land ‘before long’ for the ceremonial breaking of the ground to begin work on the mega public health project.

The plan under which the congested and overcrowded Polyclinic is to be expanded on 2.54 acres of land, including one third of Argentina Park and intervening road, came up long ago after the current structure’s vertical or horizontal expansion for better patient care was found to be unfeasible first for being wanting in physical strength and second for being surrounded on all sides by roads.

However, Capital Development Authority, the city’s only civic agency, kept denying allotment of land for it on some pretext or other despite approval by the former prime ministers.

First, CDA opposed the use of the park’s land for the project on the plea that the park was a gift to Pakistan by Argentina, so it could not be sacrificed. Also, it declared the project environmentally damaging.

However, it had to change its stand after the Argentinean government consented to the use of the park’s land for the people’s good.

The civic agency later linked the handing over of the land to the hospital with payment of its cost ie Rs55.321 million.

It also took the stand that using a park for purposes other than recreational was not legally valid as declared by the Supreme Court in two cases.

However, the law ministry found the CDA objection off the point, saying the Supreme Court had prohibited the use of parks for commercial purposes only and since the Polyclinic expansion plan is about the people’s welfare ie provision of better and modern medical facilities to the federal government employees and citizens of Islamabad Capital Territory and adjacent areas, the Supreme Court prohibition doesn’t apply to it.

Now when it’s evident that the next federal budget has money for payment of the said land’s cost, Polyclinic wants CDA to give it one third of Argentina Park and intervening road without delay.

“We’ve already made a request to the relevant CDA officials that possession of the sought-after land be given to us for early groundbreaking. We keep our fingers crossed that the response will be favourable,” says the senior member of the Polyclinic staff.

Under the plan, a five-storey structure with 1,110 beds and all essential specialties and equipment will be put up at the Argentina Park to offer full range of critical care services to visitors.

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Veteran receives mortgage-free home in Shakopee
Tuesday, June 10th, 2014 | Author:

When US Army Spc. Santiago Alameda got a call on April 1 that he would be the recipient of a mortgage-free home from Operation Homefront and Wells Fargo Home Mortgage, he thought for a second it might be an April Fool’s joke.

“This is really unreal,” Alameda said, laughing about the day he received the good news.

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Carers make home life easy
Monday, June 09th, 2014 | Author:

CALVARY Silver Service has secured funding to provide additional community care services to older people in St George and Sutherland Shire.

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