Colson Mike

Toyota Sells More Cars After Accelerator Recall

2010-02-22T23:57:00.000-06:00

Florida Toyota Dealer Sells More Cars the Week After Accelerator-Related Recall

North Palm Beach, FL, February 01, 2010 -- Toyota dealer Earl Stewart Toyota of North Palm Beach (FL) reports that his dealerships sold more cars this Friday, Jan. 29, than on Friday, Jan. 22 before the Toyota accelerator pedal recall was announced. The dealership sold 15 cars on Friday. "That's actually three more cars than we sold one week ago Friday," Earl Stewart said. "We've only had one bad day since the recall hit last Monday night. That was on Tuesday when we sold only six cars. But on Wednesday we sold 11 cars, on Thursday we sold 12 cars and on Friday we sold 15, better than what we normally sell on a Friday."

Stewart said the continuing good business at his dealership, which is one of the top 12 dealerships in the nation and enjoys the highest customer satisfaction rating in the entire country, is "because human beings naturally gravitate toward those companies and institutions they find they can trust during a crisis."

Earl Stewart Toyota, upon learning of the recall, immediately decided to provided free loaner cars to its customers who were experiencing trouble with the accelerator involved in the recall. Further, the dealership released to the public, through the media, a photo of the accelerator in question so that Toyota owners could easily determine for themselves if their accelerator was involved in the recall -- saving their customers from unneeded worry and from taking time off from work or leisure to bring the car to the dealer unnecessarily. The dealership also invited customers with the recalled accelerator to bring their cars into the dealership for a free inspection to determine if there was any need for concern related to their specific vehicle.

"Earl Stewart Toyota has earned the reputation of a car dealership that can be trusted and that's why we are actually thriving during this recall," Stewart said.

To interview Earl Stewart, contact Margie Yansura, Wordsmith Communications, at 561-313-5028 or call Earl Stewart directly on his cellphone at 561-358-1474

Contact Information
wordsmith communications
Margie Yansura
561-313-5028
mywordsmith@bellsouth.net

Anyone who would like to report information related to the Toyota Recall is urged to become a Toyota Whistleblower and share their story with authorities.

Health Insurance 2.0

2010-01-27T10:35:00.000-06:00

Health Insurance 2.0 -- Social Media Resurrects Old-School Values

HCC Medical Insurance Services, LLC - Online leader striving to provide world-class customer service via Social Media.

Indianapolis, IN, December 19, 2009 -- There was a time when customers had to make personal visits to receive assistance. To make these tasks more convenient and cost-effective, companies developed automated systems to support customers 24/7. However, as popular radio host Clark Howard frequently comments, the result has been "customer no service."

With this development, companies are forgetting that customers are the critical element to business success.

HCC Medical Insurance Services, LLC (HCCMIS) was recently featured in the article, "Old-line Companies Turn to Social Media for Marketing," as a leading company in the insurance industry that develops strong business and customer relationships through social media.

Muhammad Yasin, HCCMIS Client Relations Manager explains, "Our goal is to enhance the insurance experience with a deeply personal and timely communication style people have become accustomed to through social media."

For companies focusing on Health Insurance 2.0, this means proactively monitoring consumer sentiments and responding in a way that makes customers feel secure. Yasin states, "With the advent of internet and mobile technology, the world is shrinking rapidly. Resurrecting community-style relationships as people travel through their life adventure is something we are passionate about."

Recently, HCCMIS found a dissatisfied customer by monitoring the internet. They discovered that a medical center billed the customer twice. HCCMIS contacted the facility, arranged for customer reimbursement, and followed up with the customer via Twitter.

This is only one example of many where HCCMIS is striving to provide world-class customer service via Social Media.

About HCCMIS
HCC Medical Insurance Services is a wholly owned subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC), a leading international specialty insurance group with offices across the United States and in the United Kingdom, Spain and Ireland. HCC has assets of $9.0 billion, shareholders' equity of $3.0 billion and is rated AA (Very Strong) by Standard & Poor's and AA (Very Strong) by Fitch Ratings. In addition, HCC's major domestic insurance companies are rated A+ (Superior) by A.M. Best Company.

Contact Information
HCC Medical Insurance Services, LLC
Bryant Tutterow
317-221-8037
btutterow@hccmis.com
www.hccmis.com

Personal Property Insurance Coverage Expands

2010-01-03T14:52:00.001-06:00

Independent Mutual Fire Insurance Co. Launches New Website to Expand Personal Property Coverage

Independent Mutual Fire Insurance Co., a leading personal property insurance company, recently launched a new website, expanding personal property coverage to a wider range of agents & policyholders.

Baltimore, MD, January 02, 2010 -- Independent Mutual Fire Insurance Company, a leading personal property insurance company providing fire and smoke insurance, tornado insurance, hurricane insurance and more, has recently launched its new website, http://www.imfco.net.

The launch of the new website marks two important milestones for Independent Mutual. Not only does it allow Independent Mutual to experience more accelerated growth on a national level, but the new website also gives Independent Mutual the ability to offer its products and services to both captive and independent agents.

"Our top priorities at Independent Mutual have always been flexibility and fairness towards policyholders and agents alike," reports Scott Sauls, Vice President of Field Support at Independent Mutual. "The website will allow us to offer our personal property insurance products and services to a wider audience. In doing so, we will continue to focus on providing superior levels of customer service to both policy holders and agents."

According to Sauls, the new website offers innovative features that will enable Independent Mutual to offer an unprecedented level of customer service. "Both agents and policyholders can log into customized portals and receive 24/7 access to view the status of their claims reports and adjustments," he says. "We employ real-time claims adjustment technology and provide agents with the ability to instantly quote and issue policies right from their desktop through our AgenTreeT system."

"The new website offers an exciting opportunity for Independent Mutual to provide agents and policyholders with greater fairness and accuracy through the use of technology," Sauls says. For more information about Independent Mutual Fire Insurance Company, please visit http://www.imfco.net or call 800-248-7072.

About Independent Mutual Fire Insurance Company
Established in 1948 and headquartered in Cook County, Illinois, Independent Mutual Fire Insurance Company has been a leader in personal property insurance for over sixty years. Independent Mutual's Executive Office is located in Baltimore, Maryland and offers flexible, comprehensive personal property coverage throughout the United States.

Independent Mutual Fire Insurance Co. is rated as A- (Excellent) by A.M. Best Company. Known for its modest underwriting leverage, irrefutable market expertise, solid investment earnings and long-standing presence in the home service fire and burglary market sector, Independent Mutual provides personal property insurance to policyholders regardless of income or credit history. For more information about the personal property coverage offered by Independent Mutual Fire Insurance Company, please visit http://www.imfco.net or call 800-248-7072.

Contact Information
Independent Mutual Fire Insurance Company
Scott Sauls
800-248-7072
imfconet@gmail.com
www.imfco.net

Launch of National Moving Month

2010-01-03T13:41:00.001-06:00

National Moving Month Launched in Australia

The busiest month for home moves celebrated by the launch of the first 'National Moving Month' by Citymove, with an exciting new competition to mark it.

Sydney, Australia, November 28 -- A study by Citymove has determined that December is usually the busiest month for home relocations as people rush to begin their new lives in their new home in time for the New Year, creating a fresh start across the board. With this in mind, Citymove have decided to launch 'National Moving Month'.

To mark the start of the month and to coincide with a giveaway launched in conjunction with National Moving Month, new research has been released by Citymove, discovering some of the more bizarre requests made by customers when organising removal services.

The strangest thing ever moved by Citymove was a four tonne truck full of single service handy wipes. James Wheeler, director of Citymove said: "The wipes were the kind you get when buying chicken from a fast food place, like baby wipes. Except these were being rebranded by someone and then being handed out to the prostitutes in Kings Cross for them to use after...servicing clients."

Among the many other things Citymove have relocated, customers have made requests to move:
· A small goldfish bowl (using a four tonne truck)
· 25kg of Ice cream from Sydney to Brisbane in an unrefrigerated lorry (costing $550)
· A car between states, with a dog on the backseat. (Alive, more biting than kicking)
· Australia's largest floor tiles, with each measuring 3mx2m.

However, the strangest request made to Citymove according to James was repeatedly made. "We actually had a six month period of regular phone calls from someone who always wanted to hire two 'fit and muscular men' to move one small box from one room to another. After much questioning we found out it was a drag queen looking to book herself a private show!"

The exciting giveaway Citymove is launching relates to this research. They want to find out from people, their weird and wonderful moving stories. People may visit www.nationalmovingmonth.org and send in a story, leave an email address and Citymove will be in touch to give everyone who enters a $50 voucher off their next relocation with Citymove, making sure everyone wins. For further information or interviews, contact marketing coordinator Adam Robinson either by email adam.robinson@citymove.com.au or call 1300 72 9994. Visit www.nationalmovingmonth.org throughout the month for further details on the competition, informative articles on home moves and much more.

About Citymove
Citymove have been in operation for ten years and move over 25,000 people annually. Citymove operate in all major Australian cities and handle both local and interstate moves.

Contact Information
Citymove
Adam Robinson
1300 72 9994
adam.robinson@citymove.com.au
http://www.citymove.com.au/cms/

Home Insurance Accident Coverage Essential

2009-11-15T13:22:00.000-06:00

Accident Coverage Essential to Home Insurance

A recently published InsuranceAgents.com article encourages homeowners to verify their home insurance policies include accident coverage and to learn exactly what is covered.

Chicago, IL, October 29, 2009 - Homeowners insurance typically includes liability coverage, coverage for external living expenses, and contents coverage. According to an article recently published on InsuranceAgents.com, homeowners should also be sure that their policy includes home accidents coverage and know exactly what is covered and what is not covered in their homeowners insurance policy.

"Accidental damage is damage that happens suddenly as a result of a non-deliberate and unexpected action," the article, 'Homeowners Insurance: Accidents Happen,' states. "You will need to check your policy for which specific damages are covered and which are not. For example, your carpeting might be covered if it is stained but if apple juice is spilled on your laptop then you may be out of luck."

Homeowners insurance policies generally include tricky language that can be confusing and extremely specific as to what is considered an "accident." An example would be a pet dog that is not listed in a homeowner's policy and destroys some furniture. Sure, it's an accident but the fact that the dog was not included in the policy will most likely mean the damage isn't covered.

All homeowners should know their policies in and out. This will prevent filing a useless homeowners insurance claim that will inevitably get denied. Any homeowner who is confused of the language their policy contains should contact their home insurance agent. He or she will be able to answer any and all questions and provide sound advice for any homeowner.

Visit InsuranceAgents.com today to learn more about the ins and outs of home insurance quotes and the insurance industry as a whole.

Contact Information
InsuranceAgents.com
Tom Lustina
614 286 0193
tom@insuranceleadz.com
http://www.insuranceagents.com/home-accidents.html

Health Insurance Companies And Medical Tourism

2009-11-15T13:13:00.001-06:00

US Health Insurance Companies/ Reinsurers Embrace Medical Tourism

West Palm Beach, FL, October 22, 2009 -- Many of the leading US health insurance companies, employers, agents, and reinsurers are attending the upcoming world medical tourism and global health congress, October 26-28th, 2009 in Los Angeles.

"Swiss Re appreciates the value of providing employers with the medical travel option to reduce health care costs for eligible operations without sacrificing quality of care," said Matt Leming, Vice President and Sales Leader with Swiss Re's Medical Expense Group. "Including coverage for qualifying medical travel expenses as a free and standard component of our employer stop loss offering helps expand the universe of those in the United States who can benefit from utilizing medical travel's high quality offerings."

The World Medical Tourism & Global Health Congress, http://www.medicaltourismcongress.com, is the official conference of the Medical Tourism Association (Global Healthcare Association) and is sponsored by the Medical Tourism Magazine, the official publication of the Medical Tourism Association, http://www.medicaltourismmag.com. The Medical Tourism Association (MTA), http://www.medicaltourismassociation.com, is the international non-profit trade association for the medical tourism industry which focuses on transparency in quality and pricing, communication and education. MTA has initiated commendable activities for growth of this emerging industry by publishing the world's leading Medical Tourism Magazine and hosting the world's largest Medical Tourism Congress.

Contact Melissa Skelton for more information in West Palm Beach, Florida. Melissa@medicaltourismcongress.com / 001.561.792.6676.

Contact Information
Medical Tourism Congress
Stephanie Falcone
561-792-6676
info@medicaltourismcongress.com
www.medicaltourismcongress.com

Drug Toxicity Assay Kits Increase Drug Development Efficiency

2009-06-01T00:21:00.000-05:00

Bioo Scientific's Toxicity Assay Kits Increase the Efficiency of Drug Development

Bioo Scientific announced the launch of the MaxDiscoveryT Toxicity Assay Kits for the monitoring of toxic effects in in vivo preclinical studies.

Austin, TX, May 31, 2009 -- Since toxicity is one of the leading causes of drug failures, measuring preclinical toxicity is a critical drug development function. Accurate in vivo toxicity assays are essential to lowering attrition and increasing efficiency in drug development.

Bioo Scientific announced today the launch of their MaxDiscoveryT Toxicity Assay Kits. These kits monitor in vivo toxicity by measuring liver and heart function in serum samples. They provide simple, convenient, colorimetric determination of well-characterized functional markers of for liver and heart. They are ideal tools to monitor toxic effects caused by administration of siRNA, DNA plasmids, transfection agents or other therapeutic treatments during preclinical studies. The assays can be used in a range of mammals, including mice and rats, providing a powerful tool to assess and reduce the toxicity of drugs formulations and to improve drug delivery methods.

According to Dr Joe Krebs, Director of Protein Chemistry and Engineering at Bioo Scientific, "MaxDiscoveryT Toxicity kits are designed to provide researchers with rapid, cost-effective tools required to address the escalating challenges of drug development in today's competitive landscape."

Assays are available for alanine transaminase, aspartate transminase, alkaline phosphatase, lactate dehydrogenase, cholesterol, and creatine kinase.

About Bioo Scientific
Bioo Scientific Corporation is a global biotechnology tools company, headquartered in Austin, Texas. Bioo Scientific provides innovative products and services to academic researchers, pharmaceutical and biotechnology companies, molecular diagnostics laboratories, and customers who perform food and feed safety analysis.

Contact Information
Bioo Scientific
Dawn Obermoeller
512-301-4094
dawn@redbridgemarketing.com
www.biooscientific.com

No Apology From Allina For 18 percent Interest Rate

2009-01-22T17:22:00.000-06:00

Allina Hospitals & Clinics Responds to Attorney General's Suit

MINNEAPOLIS - January 2009 -- In response to a lawsuit filed today by the Minnesota Attorney General's Office, Allina Hospitals & Clinics made the following statement:

"Allina Hospitals & Clinics is surprised by the Attorney General's action today. Allina had been analyzing various proposals to modify MedCredit's interest rate structure for some time, and prior to the filing of this suit, Allina had made the decision to reduce the interest rate on all current and future MedCredit accounts to eight percent, regardless of the size of the balance. Allina communicated this to the Attorney General in December of 2008. Allina believes that this new rate structure is in the best interests of our patients who would benefit from the ability to pay their medical bills over time.

"While Allina believes the new rate of eight percent is appropriate going forward, it should be noted that the previous rate structure, which included a sliding interest rate scale based on the balance due, was fully consistent with Minnesota law, and was clearly communicated to all patients who participated in the program. The program is considered "open-ended credit," meaning that patients can use the program on an ongoing basis for subsequent care. The rates previously charged by Allina are consistent with Minnesota law for this type of credit.

Allina believes that MedCredit remains a valuable tool to help some patients pay their medical bills and that it may be a better alternative to financing such debt through a credit card, which may charge a much higher interest rate. Allina does not deny care to anyone based on inability to pay, and works with patients to help ensure they receive all possible forms of assistance in paying their medical bills, including free care or government assistance programs. Allina offers free care to individuals and families whose income is less that 275 percent of Federal poverty guidelines.

"Allina believes the allegations contained in the complaint are without merit and that the MedCredit program is fully compliant with the law. Allina looks forward to discussing this matter further with the Attorney General, and bringing it to a timely resolution."

Allina Hospitals & Clinics is a not-for-profit health care system of hospitals, clinics and other patient care services that provides exceptional care to communities throughout Minnesota and western Wisconsin and employs more than 22,000 people. Allina Hospitals & Clinics facilities, services and jobs can be found online at www.allina.com.

Contacts

Allina Hospitals & Clinics
David Kanihan, 612-262-4986
david.kanihan@allina.com
Cell: 612-867-2845

The lawsuit names as defendants both Allina Health System and its subsidiary, Accounts Receivable Services, a debt collection agency owned by Allina that does business under the name MedCredit Financial Services. It seems odd to me that they lowered the rate to 8% which happens to be the legal limit. As a non-profit perhaps they should consider lowering the rate still further, since that could only be in the best interests of their clients...

Medical Billing On-Line
Cold Hard Cash
Billing Computer Medical Software
Where To Sell Gold

Increased Insurance Research Caused By Economic Instability

2008-12-11T14:56:00.000-06:00

US Insurance Online Hits 4.5 Million Customer Milestone

Sees Customers Increasing Insurance Research as a Result of Economic Instability.

Austin, TX, December 07, 2008 -- US Insurance Online, a premiere online portal that provides insurance customers with education and relevant introductions, today announced it had helped over 4.5 million customers get insurance quotes from multiple agents via the Internet. The company also noted that online searches for insurance products had accelerated in recent months. According to the company this provides evidence that recent economic uncertainties are driving customer cost-cutting efforts to include evaluating less expensive insurance policies.

"In uncertain economic times consumers look for opportunities to reduce spending. They find ways to eat out less, purchase fewer luxury items, drive less to reduce fuel purchases, and many are finding insurance to be a target for significant savings," said Jim Waltrip, CEO and co-founder of US Insurance Online. "We help make the search for less expensive insurance coverage more effective by eliminating the time spent finding multiple agents, calling and comparing their offerings. US Insurance Online makes it easy to get in touch with multiple insurance agents who can sell you the products you need."

About US Insurance Online
Since 2005, US Insurance Online has helped make shopping for insurance a painless experience for customers. The company offers a fast, free way for consumers to find the insurance quotes they're looking for at the most competitive rates. Our network of insurance carriers, agents and brokers can match almost any consumer with the insurance they need at a price they can afford. Based in Austin Texas, US Insurance Online was recently named one of the fastest growing companies in the Central Texas region. www.usinsuranceonline.com/

Contact Information
US Insurance Online
Adam Alter
888-522-7355
contact@usinsuranceonline.com
www.usinsuranceonline.com

Commercial Business Insurance
Cash For Structured Settlements
Mini Credit Report
Mortgages For People With Bad Credit

Charity Helps Millions Left Starving by Health Insurance

2008-09-20T23:01:00.000-05:00

Local Charity Helps "Feed" the Millions Left "Starving" by Health Insurance

Manna Scholarship Fund was formed in 2007 as a 501(c)3 organization focused on filling the funding gap for individuals needing inpatient eating disorder treatment. Because insurance policies will rarely cover the cost of successful inpatient treatment, MSF is attempting to "fill the funding gap" for those in need of treatment. Manna Scholarship Fund is hosting a fundraising dinner "Manna in Motion" to promote the scholarship fund and to raise awareness of this great need to the public.

Atlanta, GA, September 11, 2008 -- Who: Manna Scholarship Fund was formed in 2007 as a 501(c)3 organization focused on filling the funding gap for individuals needing inpatient eating disorder treatment.

Why: Because the Health Insurance industry does not understand the significance of adequate eating disorders treatment, insurance policies will rarely cover the cost of successful inpatient treatment. This cost can be between $800-$2000 a day, with appropriate treatment ranging from 60-90 days, and often longer. This puts families of these sufferers in grave danger. Statistically, this illness is extremely significant because "anorexia has the highest premature fatality rate of any mental illness" (Sullivan, 1995). Without assistance, those in need of this type of inpatient treatment will have no other option but to pay the full price of treatment.

Being awarded a Scholarship from the Manna Fund provides the scholarship winner with:

· An active role in the choosing the treatment facility
· The opportunity to receive adequate, life-saving care
· Options to extended treatment that previously weren't available through the health insurance and/or to patients that have no inpatient benefits
· A greater chance of recovery due to access to the In-Patient services
· The opportunity to gain wholeness and in turn give back to others in need.

How: In order to provide adequate eating disorder treatment for those in need, Manna Scholarship Fund seeks to raise funds through many avenues, including in-kind donations, outreach programming that focuses on family investment (jewelry-making parties, bowling tournaments), corporate sponsorships, and grants. Manna Scholarship Fund has raised nearly $100,000 for scholarships in the past year and a half, supplying three individuals with the necessary inpatient treatment and reaching a hundred families through outreach. As the word has gotten out about the existence of this fund, scholarship application submission has sky-rocketed.

What/When: In order to contribute to this need, Manna Scholarship Fund is hosting a fundraising dinner "Manna in Motion" to promote the scholarship fund and to raise awareness of this great need to the public. This event will be held on Thursday, September 25th at the 1420 Room at 1420 Dunwoody Village Parkway, Dunwoody, Georgia.

At this event, guest speaker, Barbara Gaby of the Gaby Foundation, will discuss her journey through her own eating disorder as well as what it was like to be a part of a prominent family while enduring an eating disorder. Guests will also hear from Genie Burnett, the Executive Director of the MSF, in regards to the mission and vision of the MSF, as well as outreach and ongoing fundraising efforts. Guests will also be entertained by surprise performances as well as a jazz quartet. In efforts to raise funds for MSF, Manna in Motion will also hold a silent auction.

For more information about the Manna Scholarship Fund and the upcoming fundraising event, please go to www.mannafund.org, or contact Jesse Stanford at jstanford@mannafund.org or @ (404)-665-7725 The Manna Scholarship Fund, Inc. 2250 Satellite Blvd, Suite 100, Duluth, GA 30097.

Headliners:

· Up to 10 million people each year suffer from eating disorders while their health insurance leaves them paying the bills.
· Without treatment up to 20% of people with serious eating disorders die. With treatment that number falls to less than 3%.
· A local charity Manna Scholarship Fund bridges the gaps in patient's ability to pay for necessary treatment.
· Founded by Dr. Genie Burnett and Leslie Cox RD, LD in 2007, the Manna Scholarship Fund focuses on education, awareness, and action in offsetting the exorbitant cost of treatment.
· Recognizing the hidden "holes" in the typical health insurance coverage, Dr. Burnett and Mrs. Cox chose to go about fixing the problem the only way they knew how and not with the indifference that the Health Insurance Industry displays.
· The huge number of potential recipients that could benefit from a scholarship is simply so big that the Scholarship Fund needs your donations.

Contact Information

Manna Scholarship Fund, Inc
Dr. Genie Burnett, Executive Director
(404)-665-7725
info@mannatreatment.org
www.mannafund.org
770-495-9775

Innovative Senior Services Company Launched

2008-09-12T23:26:00.000-05:00

New Innovative Company Launch - Opt2Care, Senior Services

Opt2Care, Senior Services launches a new and innovated senior home care company in New Jersey.

East Orange, NJ, September 12, 2008 -- Opt2Care Senior Services is not another home care company. The difference is in the founder's commitment, services provided, and the quality of staff that provide senior care services.

Collectively, the founders, Melissa Louie and Gerry Sayco, have over 20 years of relevant health care industry experience. Melissa Louie, LMSW, MPA, has worked in the healthcare field since 1992. Her passion to make a difference in the field of aging stems from her close relationship with her grandmother. While caring for her grandmother, she recognized the need for competent and compassionate clinicians in the field of aging. For the past 13 years, she has worked diligently to improving the quality of life for older adults and their families. For example, Melissa was employed as Program Director at Chelsea Adult Day Health Center; Eldercare Coordinator for Catholic Charities; and as a Medical Social Worker at Dry Harbor Nursing Home.

Gerry Sayco is an accomplished results-oriented business professional with over 12 years of operational excellence within the Pharmaceutical Industry. Gerry's close relationships with senior family members and friends of family helped him identify what was lacking in existing home care options and prompted him to pursue a home care service with "real" alternatives for today's world. Gerry expressed his strong dedication to this service by stating, "my goal is not only to apply the experiences and guidance I have received from mentors' within my career and family, but also to make a revolutionary difference in the Senior Home Care market."

Opt2Care (acronym for "Opt To Care") helps older adults achieve optimum health and well-being by blending traditional home care services and complementary therapies. Factors that contribute to the healing of the body, mind, and spirit are addressed. Complementary therapies include art, music, massage, Reiki, and Care Management.

Opt2Care encourages a collaborative team approach and employs only experienced practitioners and care providers that are dedicated to providing quality service that will help seniors remain independent in the community.

Opt2Care, Senior Services
PO Box 594, Eatontown, NJ 07724
888-678-2243
www.opt2care.com

Contact Information
Opt2Care
Gerry Sayco
888-678-2243
Contact@Opt2Care.com
www.opt2care.com

Farmers Insurance Claims Mobile Claims Units Ready to Help Customers

2008-09-01T17:55:00.000-05:00

Farmers Insurance Claims Teams and Mobile Claims Units Ready to Help Customers Suffering Damage from Hurricane Gustav

LOS ANGELES-- September 01, 2008 --Farmers® Insurance Group of Companies claims teams are preparing today to move into areas stricken by Hurricane Gustav. Once the areas are identified, the teams will deploy along with 2 Catastrophe Claims buses and 5 Customer Care Claims Vehicles.

"Our claims personnel and fleet of claims vehicles are gearing up to assist our customers in Louisiana, Texas and any other areas suffering damage from Gustav," explains Paul Quinn, Assistant Vice President of Claims Communications for Farmers Insurance.

The Mobile Catastrophe buses are equipped with state-of-the art satellite communications equipment; claims stations; water, supplies; laptop, satellite telephone capability; and have a built in grill to serve meals to Farmers' customers and others in need.

The Customer Care Claims Vehicles are smaller versions of Farmers claims buses and are ready to assist with claims and supply needs of Farmers' customers and others in need.

Note to Media: A press release listing exact locations of the claims vehicles will be issued as soon as locations are selected. For questions or information at any time, please contact the Farmers Media Team listed above.

Farmers Insurance customers who have suffered damage should contact their agent or call Farmers' 24-hour-claims hotline, 800-HelpPoint (1-800-435-7764) for immediate assistance.

"Farmers' customers who have moved to evacuation centers in Texas, Louisiana or other states, should keep the HelpPoint number handy if needed, when they return to their homes.

Foremost Insurance customers should file their claims by calling: 1-800-527-3907.

Flood victims who have flood insurance should contact the National Flood Program at www.floodsmart.com

Farmers Group, Inc. is a wholly owned subsidiary of Zurich Financial Services, an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Farmers® is the nation's third-largest Personal Lines Property & Casualty insurance group. Property and casualty products are underwritten and issued by the Farmers Exchanges and their subsidiaries, which Farmers Group, Inc. manages but does not own. Headquartered in Los Angeles, the Farmers insurers provide Homeowners, Auto, Business, Life insurance and financial services to more than 10 million households. For more information about Farmers, visit our Web site at www.farmers.com.

Contacts

Farmers Insurance Group
Jerry Davies, 213-400-4459
jerry.davies@farmersinsurance.com
or
Michelle Levy, 512-791-7445
michelle.levy@farmersinsurance.com
or
David Bishop, 850-228-8997
david.bishop@farmersinsurance.com

American's Largest Wireless Network Provides Support for Gulf Coast Customers

2008-08-30T23:28:00.000-05:00

Alltel Wireless, with American's Largest Network, Provides Support for Gulf Coast Customers as Hurricane Gustav Approaches

Network teams in place to support customer communications

LITTLE ROCK, Ark.-- August 30, 2008 --Alltel Wireless, with America's largest network behind it, is continuing to provide digital service to customers across the Gulf Coast as Hurricane Gustav approaches the area. The company has network crews in place throughout the region ready to provide reliable network coverage when the hurricane makes landfall. The crews are prepared to respond to any weather-related emergencies that might threaten communications services in coastal states.

"Alltel takes very seriously our responsibility to ensure our customers stay connected to friends and family during Hurricane Gustav," said Chris Smith, executive vice president of network services for Alltel. "Alltel has made significant investments in its wireless network to improve coverage and reliability, and we have once again taken all the necessary steps to prepare for Gustav."

Earlier today, the company began closing retail stores in south Louisiana to support evacuation efforts. The following closings were announced through Monday:

    * 1043 West Tunnel Blvd. in Houma, La.; 1818 Manhattan Blvd. in Harvey, La.; 2701 N. Causeway Blvd. in Metairie, La.; 1000 W. Esplanade St. in Kenner, La.; 9424A Three Rivers Road in Gulfport, Miss.; 808 Highway 190, Suite B in Covington, La.; and 1302 Corporate Square in Slidell, La.

Alltel will continue to monitor the storm through its command center operations so that it can respond quickly and effectively with manpower, generators and equipment to keep customers in communication with friends and family once Gustav makes landfall.

Alltel also works to help customers in hard-hit areas. All other retail stores will remain open as long as possible. Stores that are closed will reopen as soon as conditions permit to allow customers access to phone chargers and batteries. Alltel opens mobile retail stores in particularly hard-hit areas.

Network preparations to this point:

    * Secured agreements with vendors to provide fuel to keep trucks and generators running.
    * Placed generators on standby in hurricane-prone areas, and tested on-site backup generators for readiness in case of a power outage.
    * Prepared to provide lodging, RVs, food and water for technicians working in storm-hit areas.

Customers can prepare for Gustav by:

    * Verifying that wireless phones are working properly.
    * Programming wireless phones with emergency contact numbers.
    * Making sure wireless phone batteries remain fully charged.
    * Keeping additional charged batteries on hand along with car chargers. Phones, batteries and chargers should be kept in dry, easily accessible areas.

In addition, once Gustav makes landfall, customers should consider:

    * Using Text Messaging instead of trying to place a call.
    * Limiting non-emergency calls, whenever possible.
    * Waiting 10-15 seconds before dialing again if a call fails to go through.
    * Using their camera phones to record damage for insurance purposes.

Alltel is owner and operator of the nation's largest wireless network and has more than 13 million wireless customers.
Contacts

Alltel Wireless
Andrew Moreau, 501-905-7962
Vice President - Corporate Communications
andrew.moreau@alltel.com
or
Scott Morris, 501-905-4094
Manager - Corporate Communications
scott.l.morris@alltel.com

Medical and Practice Management Suite Client/Server Receives CCHIT Certification

2008-08-30T17:16:00.000-05:00

LSS Data Systems' Medical and Practice Management (MPM) Suite Client/Server 5.54 Receives 2007 CCHIT Certification

Software Complies with 100 Percent of Updated 2007 Certification Criteria

EDEN PRAIRIE, minn.-- July 02, 2008 --The Certification Commission for Healthcare Information Technology (CCHIT®) announced yesterday that LSS Data Systems' product Medical and Practice Management (MPM) Suite Client/Server 5.54 is CCHIT Certified®, and meets the Commission's ambulatory electronic health record (EHR) criteria for 2007. Ambulatory EHRs are designed for physician offices and clinics where most Americans get their healthcare. CCHIT - an independent, nonprofit organization - is the Recognized Certification Body in the United States for certifying health information technology products.

In the second year of the program's operation, the criteria and testing have been significantly enhanced. The Commission added 96 criteria to the 151 original requirements from last year. Medical and Practice Management (MPM) Suite Client/Server 5.54 has been tested and passed inspection of 100 percent of a set of updated criteria for functionality, interoperability and security.

"For 2007, the Commission raised the bar from the previous year's criteria. Ambulatory EHRs now must include electronic prescribing, demonstrate an ability to receive lab results, and show enhanced patient safety, quality, and security features," said Mark Leavitt, M.D., Ph.D., chair, CCHIT. "Investment in 2007 certified ambulatory EHRs gives providers even more powerful tools to improve quality, safety and efficiency while protecting the privacy of health information."

The CCHIT Certified mark - a "seal of approval" for EHR products - provides the first consensus-based, government-recognized benchmark for ambulatory EHR products. By looking to products with the CCHIT Certified seal, physicians and other providers can reduce their risk in selecting an EHR product, allowing them to focus their evaluation on the special needs of their practices.

"This certification illustrates our ongoing commitment to provide the highest quality software for our customers. CCHIT certification is definitely something our customers value," said Bill Schmidt, Vice President of Sales & Corporate Development at LSS Data Systems. "We are delighted with the achievement of this milestone. We take pride in the strength of our products and the foundation of our seamless integration with MEDITECH to create one electronic health record across the health care enterprise."

LSS customer Parkview Adventist Medical Center, based in Brunswick, ME, recently updated to MPM Client/Server Version 5.54. "We congratulate LSS for 2007 certification of the MPM Suite," said Bill McQuaid, Chief Information Officer at Parkview. "One of Parkview's main approaches to care involves utilizing state-of-the-art technology to provide the highest quality care. It is important to us to use products which we know meet and exceed industry benchmarks."

CCHIT's certification compliance criteria and its design for a certification inspection process have been thoroughly researched, taking into account the state of the art of EHRs and available standards, and comparing certification processes in other industries and other countries. The inspection process is based on real-life medical scenarios designed to test products rigorously against the clinical needs of providers and the quality and safety needs of healthcare consumers and payers. One script, for example, recreates a scenario of an elderly man with poorly controlled diabetes, hypertension and other chronic conditions in order to test EHR functions such as potential adverse drug reactions, disease management and treatment plans.

About LSS Data Systems

LSS Data Systems, a MEDITECH partner founded in 1982, develops clinical, financial and administrative solutions for medical practice groups, healthcare delivery systems and clinics across the United States and internationally. Together with MEDITECH, LSS has developed the Medical and Practice Management (MPM) Suite, a full-featured ambulatory care solution that integrates physician practices and clinics with MEDITECH's Health Care Information System. The MPM Suite includes an ambulatory Electronic Health Record with prescribing/ordering, physician documentation, scanning, scheduling, billing and financial management tools. For more information please visit www.lssdata.com.

About CCHIT

The Certification Commission for Healthcare Information Technology (CCHIT®) is an independent, nonprofit organization that has been named by the federal government as the Recognized Certification Body for health information technology. Its mission is to accelerate the adoption of health information technology by creating a credible, sustainable certification program. The certification requirements are based on widely accepted industry standards and involve the work of hundreds of expert volunteers and input from a variety of stakeholders throughout the health care industry. More information on CCHIT and CCHIT Certified® products is available at www.cchit.org.

"CCHIT®" and "CCHIT Certified®" are registered marks of the Certification Commission for Healthcare Information Technology.
Contacts

LSS Data Systems
Megan Salmela, 952-941-1000
msalmela@lssdata.com
or
CCHIT
Sue Reber, 503-703-0813
sreber@cchit.org

Industry Makes Request to Decrease Asbestos Regulations

2008-08-19T10:30:00.000-05:00

LegalView Offers Mesothelioma Blog Readers Details of Disconcerting Request to Decrease Asbestos Regulations from Industry

LegalView informed mesothelioma blog readers of an potentially troubling request by automotive, chemical and mining industries' paid researchers to "water down" asbestos regulations. The industry-hired scientists argued that asbestos is no longer as dangerous, even though several international health organizations have declared no safe level of the material.

Denver, CO - August 2, 2008 -- LegalView, the number one resource for everything and anything legal on the Internet, recently updated readers with the latest piece of mesothelioma information, relating to the request by paid researchers for the automotive, chemical and mining industries to decrease asbestos regulations. In a July 2008 summit in Washington D.C., the Environmental Protection Agency (EPA) met with the Office of Solid Waste and Emergency regarding the request. The industry researchers argued that asbestos fibers found in sand, taconite and other materials are less toxic than originally deemed in the 1980s when the regulations were created. However, the EPA along with the International Agency for Research on Cancer, the Occupational Safety and Health Administration (OSHA) and The World Health Organization (WHO) have all determined that no level of exposure to asbestos fibers is safe and the material as well as products using asbestos should be permanently banned.

Asbestos was mined for years and was frequently used in the construction industry for an array of products, most often insulation. However, it was determined that exposure to asbestos fibers causes a deadly form of lung cancer known as mesothelioma. Individuals who suffer from mesothelioma cancer should contact an experienced mesothelioma attorney to receive a legal consultation on the possibility of developing a personalized mesothelioma lawsuit. Because the cancer is fatal and no completely effective mesothelioma treatment exists to reduce the disease it may be important to develop litigation and potentially receive monetary compensation to pay for costly medical bills. Mesothelioma is a dormant condition that can take decades before symptoms reveal themselves, at which point, little can be done to improve the illness.

According to news reports, at the Washington D.C. summit, approximately 83 public health officials signed a 29-page report on the "science-for-hire" practice, which Dr. Michael Silverstein, who wrote the report, alleges is occurring on the part of automotive, chemical and mining industries. The report, opposing the request, urged the EPA to focus on public health rather than big industry and to avoid decreasing the asbestos regulations.

Learn more about this ongoing issue as well as other legal issues through LegalView.com. LegalView continues to maintain a comprehensive library of legal issues; issues that may be causing harm to millions of Americans each year. LegalView recently updated several of its issues to include detailed information and news. Some of the recently updated sites include information on the Zimmer Durom cup, the Ketek antibiotic and Avandia prescriptions.

The Durom cup, manufactured by Zimmer Holdings, is an artificial hip component that has been under fire by physicians who have said the device is failing their patients. Because of the alleged Zimmer Durom cup risks, the company has ceased manufacture of the hip socket. However, since production began in 2006, nearly 12,000 patients received the cup and may be affected by the failing hip socket and should contact a knowledgeable attorney for advice about the potential Durom cup recall.

Ketek is a pharmaceutical prescription antibiotic that is used to treat upper respiratory infections including pneumonia or bronchitis. Reports have tied the antibiotic with the possibility of severe liver damage among patients. Additional Ketek side effects may also be considered dangerous and those who report signs of yellowing skin or jaundice should consult a doctor immediately

The Avandia portal is continually being updated to provide the public with extensive research, scientific findings and experienced attorney links. Avandia is a prescription drug used to treat type 2 diabetes, which currently affects millions of individuals in the United States. Recent research, however, has found a disturbing link between the use of Avandia and an increase of heart disease as well as osteoporosis among patients. Individuals who feel they may have symptoms relating to heart disease or who have suffered from a bone fracture likely induced by the Avandia side effects, should speak with a medical expert immediately. Additionally, it is advisable to locate an experienced pharmaceutical law firm in case legal advice is necessary for an Avandia settlement.

About LegalView:
LegalView.com is a public service brought to you by Legal WebTV Network, LLC, a Limited Liability Corporation created by a group of the nation's most highly respected law firms: Anapol Schwartz; Brent Coon and Associates; Burg Simpson; Cohen, Placitella and Roth; James F. Humphreys and Associates; Lopez McHugh; and Thornton and Naumes. For more information on the accomplishments and track records of LegalView.com's superior sponsoring law firms and to get in touch with LegalView attorneys, visit LegalView at www.LegalView.com/.

CONTACT INFORMATION
Katie Kelley
LegalView
720-226-6613

Alan Haburchak
LegalView
720-226-6613

Bonds Outlook Stable

2008-08-11T19:50:00.000-05:00

Fitch Upgrades Cape Regional Medical Center's (NJ) Bonds to 'A'; Outlook Stable

NEW YORK-- August 11, 2008 --Fitch Ratings has upgraded the $23.5 million outstanding New Jersey Health Care Facilities Financing Authority revenue bonds (Burdette Tomlin Memorial Hospital, Inc. Issue), series 1999 to 'A' from 'A-'. The Rating Outlook is Stable.

The rating upgrade to 'A' is based on Cape Regional Medical Center's (Cape Regional; formerly Burdette Tomlin Memorial Hospital, Inc.) excellent liquidity and light debt burden as well as improved operations over the last 3 1/2 fiscal years. At fiscal year end Dec. 31 2007, Cape Regional had days cash on hand (DCOH) of 273.1 days and cash to debt of 301.9%, both well above Fitch's 'A' category medians of 185.2 DCOH and 111.6% cash to debt. Additionally, Cape Regional defeased its 1991 series bonds in fiscal 2007.

Maximum annual debt service (MADS) on the remaining series 1999 bonds is $2.1 million, which is $1.2 million lower than previous MADS. Pro forma debt service coverage in fiscal 2007 was a strong 6.2 times (x), above Fitch's 'A' category median of 4x, and the cushion ratio was 33.3x, more than double Fitch's 'A' category median of 15.4x. Unaudited results for six months ended June 30, 2008 show MADS coverage of 5.5x and a cushion ratio of 31.4x.

In addition to Cape Regional's strong liquidity and light debt burden, operations over the last 3 1/2 fiscal years have continued to improve. Since fiscal 2005, Cape Regional has improved operations with positive operating margins two out of the last three years and positive excess margins in all three years. Cape Regional ended fiscal 2007 with a 0.6% positive operating margin and a 5% positive excess margin ($5.6 million in total excess income). Further indication of the operational turnaround has been the improvement to Cape Regional's operating EBITDA margin and EBITDA margins. Cape Regional's Operating EBITDA and EBITDA margins have averaged 7.5% and 11.2%, respectively, from 2005-2007 compared to 5.3% and 7.3% from 2002-2004.

The Stable Outlook is based on Cape Regional's continued market dominance, lighter debt burden, and Fitch's belief that Cape Regional will be able to sustain the current operating performance. Cape Regional enjoys a 72% market share in its primary service area as its nearest competitor is more than 20 miles away. This market dominance helps to offset concerns about Cape Regional's small revenue size for the rating category. Ongoing credit concerns include Cape Regional's rising bad debt expense and vulnerability of revenue stream given the seasonality of admissions.

Fitch does not anticipate Cape Regional issuing additional debt over the next few years. A prior credit concern of Fitch's had been the hospital's capital needs. Management has begun increasing capital spending, including a $2.2 million renovation of inpatient rooms. Capital expenditures as percentage of depreciation increased to 217.4% in fiscal 2007 from 66.2% in fiscal 2006; Fitch's 'A' category median is 155.8%. Given Cape Regional's operational turnaround, Fitch anticipates that over the medium term the hospital will be able to continue to fund capital projects from cash flow and philanthropy without the need to issue debt.

Fitch believes that Cape Regional will be able to sustain current levels of operations. Cape Regional has significantly lowered its length of stay over the past few years, from 4.9 days in fiscal 2004 to 4.3 days in fiscal 2007, started a hospitalists program, had strong physician recruitment, and established an affiliation with University of Penn Health System for oncology and cardiology, which has improved cardiology coverage at the hospital. These programs should help sustain operating margins over the medium term. While Cape Regional has a negative 0.8% margin for the first six months of fiscal 2008, it showed bottom line profitability with a 3% excess margin, and is ahead of budget heading into the busy tourist season. Management indicated that the volume numbers from the first two months of the season, June and July, have been strong.

Cape Regional is a 242-licensed (208 operated) bed facility located in Cape May County off exit 10 on the Garden State Parkway, approximately 45 miles south of Atlantic City. Cape Regional, with total revenue of $107.5 million in fiscal 2007, is part of the Cape Regional Health System, which includes a foundation, and Cape Regional Health Enterprises, which houses a small management services organization. Cape Regional covenants to provide annual and quarterly disclosure to bondholders. Disclosure to bondholders has been good, including quarterly income statement, balance sheet, cash flows, utilization, and management discussion and analysis.

Fitch's rating definitions and the terms of use of such ratings are available on the agency's public site, www.fitchratings.com. Published ratings, criteria and methodologies are available from this site, at all times. Fitch's code of conduct, confidentiality, conflicts of interest, affiliate firewall, compliance and other relevant policies and procedures are also available from the 'Code of Conduct' section of this site.

Contacts

Fitch Ratings, New York
Eric Espino, 212-908-0574
Gary Sokolow, 212-908-9186
or
Media Relations:
Cindy Stoller, 212-908-0526

Bond Insurance in a Changing Market

2008-08-07T22:32:00.000-05:00

The Knowledge Congress Has Scheduled a Live Teleconference & Webinar on Bond Insurance in a Changing Market and Regulatory Environment: What to Expect

New York, NY, June 20, 2008 -- The Knowledge Congress, the leading producer of regulatory focused teleconferences and webinars, announced today that it has scheduled a live teleconference and webinar on Bond Insurance in a Changing Market and Regulatory Environment: What to Expect. This two-hour event is scheduled on Tuesday, July 1, 2008, at 1:00 PM to 3:00 PM (EDT - New York).

Bond insurance companies are being monitored by a number of investment firms to make sure they can sustain any loss brought about by collateralized debt obligations with high-risk mortgage-backed securities. Issuers and borrowers should examine bond transactions that are tax-exempt as a precautionary measure in case a downgrade occurs. It is also important in examining agreements entered into by issuers and in case there is a need in changing credit and liquidity support bonds secured by a letter of credit. Non-profit organizations that are classified as bond issuers or conduit borrowers should take note of this issue so that preventive measures may be taken if necessary. The Knowledge Congress has assembled a panel of distinguished experts to help make these policies clear to the organizations most impacted. The panel will present their findings, which include "best practice" panel, and a question-and-answer segment enabling the audience to interact directly with the faculty in a two-hour teleconference and webinar.

Speakers/Faculty Panel

Steven A. Chamberlin, Manager, Tax Exempt Bonds, Compliance & Program Management, Internal Revenue Service (IRS)

Michael Moriarty, Deputy Superintendent for Property and Capital Markets, New York State Insurance Department

Michael J. Schozer, President, Assured Guaranty Corp.

Margaret Purcell, Executive Director, National Tax Exempt Organization Group, Ernst & Young LLP

Valerie Pearsall Roberts, Partner, Jones Day

For updated list of the faculty panel, please visit: http://www.knowledgecongress.org/event_2008_BondInsurance.html

About The Knowledge Congress

The Knowledge Congress is an organization that produces teleconferences and webinars that examine regulatory changes across a variety of industries. "We bring together the world's leading authorities and industry participants through informative two-hour teleconferences and webinars that study the impact of changing regulations and help businesses succeed through proper regulatory compliance."

Contact Information
The Knowledge Congress
Thomas LaPointe, Jr., Executive Director
1.800.578.4370
info@knowledgecongress.org
www.knowledgecongress.org
Therese Lumbao, Director
Account Management & Member Services
tlumbao@knowledgecongress.org

Families Informed About Insurance Coverage With Medical Reimbursement Resource

2008-08-07T14:52:00.000-05:00

Medical Reimbursement Resource LLC of Houston Helps Families Stay Informed, Choose Right Insurance Coverage

Company Educates Consumers of Medicare Part C Advantage Plan Enrollment Period Deadline - March 31, 2008

Houston, TX - March 12 -- Medical Reimbursement Resource (MRR) LLC, a leading patient advocacy company in Houston, advises the Medicare community of March 31st Medicare Part C enrollment deadline and helps educate consumers on the best health insurance choices for their situation.

MRR professionals explain that the Medicare program is a federal program that helps senior citizens and other qualifying individuals pay for health care. Divided into parts, A, B, C, and D, Part C is an alternative to Parts A and B. Under Part C, private health insurance companies can contract with the federal government to offer Medicare benefits through their own policies.

"Medicare Part C Advantage Plans are not for everyone. Generally the choice of providers is more limited than with traditional Medicare Parts A & B. Individuals with special health problems and working with physicians that are important to them are recommended to remain on Medicare Parts A and B," said MRR owner Jane Lehto.

"However, it's great to have another insurance option available for Medicare beneficiaries. This is where Medicare Part C comes in," Lehto added.

Lehto and her staff help clients choose the right insurance coverage and receive all benefits to which they are entitled under their particular policy. With over 40 plans from which to choose in Texas, it is an often difficult process through which to navigate for the unknowing consumer.

Lehto further explained that the type of candidates qualifying for the Medicare Part C, particularly the Medicare Part C Advantage Plus plan, would be those in fragile health and on fixed incomes. The relatively new plans include either HMO's or PPO's and come with modest premiums. A vast number of physicians and hospitals participate in the plans.

"And effective this past January is the option for those switching from Medicare Parts A and B to return to their plans for whatever reason during the enrollment period from November 15 through December 31, 2008," said Lehto.

MRR also assists patients and their families with problem health insurance claims and medical bills, benefit issues, along with insurance choices and a myriad of issues that the consumer faces in today's challenging and complex insurance world. To learn more about Medical Reimbursement Resource LLC, call 1-713-526-0955 or log onto www.mrrmedical.com today.

Press Contact: Philip O'Hara
Company Name: Medical Reimbursement Resource LLC
Texas Phone: 713-526-0955
Website: www.mrrmedical.com

Government Rejects Request to Clean up Asbestos

2008-07-27T17:05:00.000-05:00

LegalView Reports About the Government's Rejection of a Monetary Request to Clean up An Asbestos-Tainted Site

LegalView updated its mesothelioma blog to include news of the government denying federal funds to an area in Arkansas that was left tainted with asbestos after nearly 150 World War II structures were destroyed in a fire. The government rejected the requests from the town of Chaffee Crossing where citizens are currently at risk of contracting mesothelioma cancer.

Denver, CO - LegalView.com, the number one resource for everything legal on the Web, recently reported on its mesothelioma blog that federal funds were denied to cleanup an asbestos-tainted town in Arkansas. Chaffee Crossing is the site of a recent fire, which destroyed nearly 150 World War II (WWII) structures, releasing asbestos fibers and dust into the area potentially increasing the risk of citizens developing mesothelioma. The city requested federal funds from the government to assist the cleanup of the town, which is considered by several citizens there to be a Superfund Site. The Environmental Protection Agency (EPA) is refusing to deem the site a Superfund because it claims that levels of asbestos in the air after the fire were too low to be deemed as such. However, the Arkansas Department of Environmental Quality found asbestos contamination in some areas to be much higher than EPA tests recorded. For those who live in the area or who have previously been exposed to asbestos, using LegalView's mesothelioma portal to locate a mesothelioma attorney is the best way to protect oneself.

Asbestos is a material that is derived from vermiculate, a mineral often mined for uses in construction and as building insulation. Asbestos was widely used as insulation in many early 20th Century constructions, such as those burned in Chaffee Crossing. However, after discovering the link of inhaling asbestos to an incurable form of lung cancer, the use of asbestos was discontinued and the EPA has spent billions of dollars in the removal of asbestos across the country. Individuals who have been exposed to asbestos are advised to contact an experienced mesothelioma law firm to receive an attorney consultation on developing a mesothelioma lawsuit in which compensatory damages can be sought. Mesothelioma is a painful and deadly illness that takes decades to reveal itself, by which time it can be too late to find ways in paying for medical expenses. Use the mesothelioma portal to learn more about this and other recent asbestos-related news.

Additionally, LegalView offers several other information portals relating to a range of issues such as the Baxter Heparin recall, traumatic brain injury (TBI) treatments and Erb's Palsy jury verdicts. Heparin is a blood thinner injected into patients undergoing heart surgery or similar procedures. It is used to prevent blood clots, which can be fatal during surgery. Recently, the Baxter Healthcare Corporation issued a Heparin recall because several patients had reported severe allergic reactions to the drug, which has been associated with at least 19 patient deaths. LegalView.com reported updates continually to readers as this story unfolded, providing insightful and imperative news for victims of the Heparin recall. Similarly, individuals can use the TBI practice area to learn the most up-to-date news on brain injury lawsuits, jury verdicts, treatments as well as how to locate brain injury lawyers.

For information on Erb's Palsy, a condition that usually develops because of labor complications, visit Erb's Palsy lawsuit as the condition is usually preventable and caused by a physician pulling on a baby during birth.

About LegalView:
LegalView.com is a public service brought to you by Legal WebTV Network, LLC, a Limited Liability Corporation created by a group of the nation's most highly respected law firms: Anapol Schwartz; Brent Coon and Associates; Burg Simpson; Cohen, Placitella and Roth; James F. Humphreys and Associates; Lopez McHugh; and Thornton and Naumes. For more information on the accomplishments and track records of LegalView.com's superior sponsoring law firms and to get in touch with LegalView attorneys, visit LegalView at www.LegalView.com.

Press Contact: Katie Kelley
Company Name: LegalView
Phone: 720-771-3246
Website: http://mesothelioma.legalview.com

Homeowners Receiving Structured Settlement Payments Get Foreclosure Assistance

2008-07-25T22:24:00.000-05:00

Woodbridge Investments to Offer Foreclosure Assistance to Homeowners Receiving Structured Settlement Payments

Woodbridge Investments, LLC. a structured settlement factoring company has today announced a new program designed to aid homeowners who are facing foreclosure.

Studio City, CA - March 15 -- Woodbridge Investments, LLC. a structured settlement factoring company has today announced a new program designed to aid homeowners who are facing foreclosure.

The newly implemented "Woodbridge Home Owner Relief Program" will allow homeowners who are receiving structured settlement, annuity, or lottery payments to instantly borrow up to $20,000 against their settlements to reinstate or pay delinquent mortgage payments.

Heading up the innovative new program is Sofia Ekberg, who has an extensive background in debt negotiation with banks nationwide. Sofia stated, "My experience with homeowner relief programs acted as the catalyst for the idea to offer loans to homeowners receiving structured settlements."

Ms. Ekberg further added, "Management at Woodbridge Investments was thrilled with the idea and has set aside a fund to immediately begin making loans."

To qualify, an individual must own a home and at the same time be receiving a structured settlement, annuity or lottery payment.

About Woodbridge: Woodbridge Investments and its predecessor companies have been purchasing Lottery Payments, Structured Settlements and other cash flows since 1993. Over a thousand individuals and families have relied on Woodbridge to realize a large lump sum from the sale of their long term payments.

Press Contact: Jennifer Fiero
Company Name: Woodbridge Investments, LLC
Phone: 1-866-865-7044
Website: www.woodbridgeinvestments.com

Structured settlements are when someone receives financial or insurance periodic payments that was accepted to settle a claim such as a personal injury tort or pay off a statutory periodic payment obligation. Structured settlements were first made during the 1970s as an alternative to lump sum settlements that might cause a large corporation to go out of business. Structured settlements is part of statutory tort law in the United States. Structured settlements may or may not include income tax and spend thrift requirements and benefits. The structured settlement payments may be called periodic payments and a structured settlement that is incorporated into a trial judgment is called a periodic payment judgment.

Auction Rate Credit Linked Certificates Downgraded

2008-07-23T21:49:00.000-05:00

Fitch Downgrades Capstan Master Trust Auction Rate Credit Linked Certificates Series 1-4

NEW YORK-- July 23, 2008 --Fitch Ratings has removed from Rating Watch Negative and downgraded the following series of Capstan Master Trust (collectively, Capstan). The following rating actions are effective immediately:

Capstan Master Trust Series 1

--$150,000,000 certificates due 2017 downgraded to 'A' from 'AAA'.

Capstan Master Trust Series 2

--$150,000,000 certificates due 2017 downgraded to 'A' from 'AAA'.

Capstan Master Trust Series 3

--$150,000,000 certificates due 2017 downgraded to 'A' from 'AAA'.

Capstan Master Trust Series 4

--$150,000,000 certificates due 2017 downgraded to 'A' from 'AAA'.

The actions reflect Fitch's view on the credit risk of the rated certificates following the release of Fitch's new Corporate CDO rating Criteria.

Capstan Series 1 through 4 are four series of auction rate credit-linked certificates, the proceeds from which were used to directly purchase $600,000,000 of credit linked certificates (the 'Underlying Collateral') referencing a static portfolio of primarily investment grade corporate assets, which was privately-rated by Fitch in July 2007. The Underlying Collateral is the sole asset of Capstan. Periodic interest payments on the auction rate credit-linked certificates are determined and paid according to an auction process, as described in the transactions' governing documents. In addition, Capstan has entered into a basis swap with Deutsche Bank AG (rated 'AA-/F1+'; Outlook Stable by Fitch), whereby income from the Underlying Collateral is transferred to Deutsche Bank AG in exchange for periodic interest payments due on the auction rate credit-linked certificates. The rating of Capstan is directly linked to the credit risk of the Underlying Collateral. Thus, the downgrades reflect Fitch's view on the credit risk of the Underlying Collateral for the deal, which was downgraded to 'A' from 'AAA' on July 23, 2008.

The key drivers of the downgrade on the Underlying Collateral include Fitch's updated corporate CDO rating criteria as well as the deterioration of the average portfolio quality from 'BBB/BBB+' on the closing date (July 2007) to 'BBB-' on July 16, 2008, representing an average downgrade of 2 notches across 51.2% of the portfolio. Currently, 18.4% of the portfolio carries a below investment grade rating, approximately 12.0% of the portfolio is on Rating Watch Negative and 17.6% is on Negative Outlook by Fitch. Moreover, 24.0% of the portfolio is concentrated in the banking & finance sector which is currently under stress.

Given Fitch's view of concentration and the current credit quality of the portfolio, the credit enhancement level of 9.8% is not sufficient to justify the current rating of the Underlying Collateral.

Fitch released updated criteria on April 30, 2008 for Corporate CDOs and, at that time, noted it would be reviewing its ratings accordingly to establish consistency for existing and new transactions. As part of this review, Fitch makes standard adjustments for any names on Rating Watch Negative or with a Negative Outlook, reducing such ratings for default analysis purposes by two and one notch, respectively. Fitch has previously noted that its review will be focused first on ratings most exposed to risks it has highlighted in its updated criteria. Consequently, the certificates were placed on Rating Watch Negative on May 15, 2008. As previously indicated, resolution of the Negative Watch status depends on any plans managers/arrangers may choose to modify either the structure or the portfolio. In this case, the arranger has confirmed that it does not intend to make any modifications.

Fitch's rating definitions and the terms of use of such ratings are available on the agency's site, www.fitchratings.com. Published ratings, criteria and methodologies are available from this site, at all times. Fitch's code of conduct, confidentiality, conflicts of interest, affiliate firewall, compliance and other relevant policies and procedures are also available from the 'Code of Conduct' section of this site.

Contacts

Fitch Ratings
Derek Miller, +1-312-368-2076 (Chicago)
Kevin Kendra, +1-212-908-0760 (New York)
Media Relations:
Julian Dennison, +44 020 7682 7480 (London)
Sandro Scenga, +1-212-908-0278 (New York)

Program Limits Homeowners, Mortgage Brokers, and Lenders

2008-07-17T14:42:00.000-05:00

Bills.com Launches 'Know Your Limits' Program for Homeowners, Mortgage Brokers and Lenders

Program helps determine eligibility for new, higher jumbo-conforming, FHA loans

San Mateo, Calif. - March 17 -- Today, Bills.com will launch "Know Your Limits," a quick, easy-to-use program to help homeowners determine if they are eligible for new, higher-limit loans passed in the economic stimulus package.

Last week, the Office of Federal Housing Enterprise Oversight raised the size of loans that can be guaranteed by Freddie Mac and Fannie Mae. The new loan limits will stay in effect through the end of the year. Also, Housing and Urban Development (HUD) raised the size of the loans that the Federal Housing Authority (FHA) can insure.

Previously, Freddie Mac and Fannie Mae could insure only mortgages of up to $417,000. That meant - even with a 20 percent down payment - only buyers of homes costing $521,500 or less were eligible for these mortgages. The new "jumbo-conforming" loan limits vary by area, with the maximum loan amount 125 percent of the median home value of the county in which the home is located. The new loan limits affect homeowners and buyers in 71 metropolitan areas and 21 counties outside of those metro areas, reaching as high as $793,750 in Honolulu.

Loan limits for FHA-insured loans were even lower, with a previous limit of $362,790. Now, mortgages of up to $729,750 can qualify for FHA insurance.

For homeowners and home buyers
Determining eligibility for the new loans can be challenging, says Ethan Ewing, president of Bills.com. With the "Know Your Limits" program, applicants can complete a simple form (www.bills.com/fhasecure) and receive an immediate assessment of their eligibility, Freddie Mac/Fannie Mae and FHA loan limits, and up to four lender matches for their specific situations.

For mortgage brokers and lenders
As part of the "Know Your Limits" program, mortgage lenders and brokers can reach homeowners eligible for the new loans quickly and easily. The "FHA Select" program will match lenders and brokers with applicants whose desired loan amount is below the FHA loan limit for their county of residence. A corresponding "Stimulus Select" program will match applicants who are eligible for jumbo-conforming loans. Both FHA Select and Stimulus Select are activated on a filter-by-filter basis, and are optional.

"The new limits will make it easier for buyers to get loans, which should help the home markets get moving again," says Ethan Ewing, president of Bills.com. "We've been in a situation where the average cost of a home in large areas of the country was far greater than available loans. These new programs will be of great assistance to home buyers, homeowners who have been unable to get out of their adjustable-rate mortgages, as well as the broker/lender community."

Based in San Mateo, Calif., Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues and comparison shop for products and services including credit cards, debt relief assistance, insurance, mortgages and other loans. The company blogs about consumer finance issues at http://www.bills.com/blog. Since 2002, Bills.com has served more than 30,000 customers nationwide while managing more than $1 billion in consumer debt. Bills.com is a division of Freedom Financial Network, LLC, whose co-founders and CEOs, Andrew Housser and Brad Stroh, have been named Northern California finalists in Ernst & Young's Entrepreneur of the Year Awards.

Press Contact: Aimee Bennett
Company Name: Bills.com
Phone: 303-843-9840
Website: www.bills.com

Despite Credit Crunch Homeowner Loans Activity Increasing

2008-07-14T09:20:00.000-05:00

Homeowner Loans Are on the Rise, Despite Credit Crunch

Despite the recent credit crunch in the USA and the UK, the folks behind Phillips Financial Services (http://www.phillipsfinancialservices.co.uk) say secured loans and homeowner loans are on the rise.

Essex, UK - March 13 -- While a credit crunch in the USA and the UK has lead to increased speculation of a recession, a UK company specializing in secured loans and homeowner loans says both types are on the rise.

The company is Phillips Financial Services (http://www.phillipsfinancialservices.co.uk) and their message is clear; secured loan lending in the UK is increasing and is set to continue rising for the foreseeable future.

"We are one of the leading independent finance brokers in the UK, providing a very wide range of loan and mortgage solutions to consumers nationwide," said spokesman Kieron Phillips. "We offer finance solutions to people with a good and bad credit history and we have definitely seen an increase in the amount of homeowner loans and secured loans being issued."

While homeowner loans do require borrowers to put up their houses to secure the loan, it's obvious that many homeowners are willing to take the chance, thanks in part to the added benefits of the homeowner loan. Such as:

Loans from £10,000 to £500,000
Repayment terms from 2 years up to 30 years
Up to 125% LTV (loan to value)
Loans against difficult or unusual property
Loans available on buy to let or rented houses

"As long as the title deeds belong to you we can arrange you a low rate homeowner loan," said Phillips. "It doesn't matter if you have good credit or bad credit, as long as you have something to borrow against, a homeowner loan or secured loan is one of the easiest loans to get."

For more information on Phillips Financial Services, please visit: http://www.phillipsfinancialservices.co.uk

About Phillips Financial Services:

Phillips Financial Services is one of the leading independent finance brokers in the UK, providing a very wide range of loan and mortgage solutions to consumers nationwide. They offer finance solutions to people with a good and bad credit history, they can help most people, even those with an adverse credit history.

Contact Information:

Kieron Phillips
+44 0208 1237274
http://www.phillipsfinancialservices.co.uk

Press Contact: Kieron Phillips
Company Name: Phillips Financial Services
Phone: +44 0208 1237274
Website: http://www.phillipsfinancialservices.co.uk

Prescription for Avoiding Subprime Mortgages

2008-07-13T11:50:00.000-05:00

Bills.com's Housser Provides Prescription for Avoiding Subprime Mortgages

Online consumer portal founder offers 9 steps to build prime-worthy credit

San Mateo, Calif. - March 12 -- Rising foreclosure rates. Tightened mortgage lending and a government bailout plan. Companies folding and talk of a looming recession. Over the past year, the United States has undergone an economic correction based in large part on the implosion of the subprime lending market, but Bills.com co-founder and co-CEO Andrew Housser tells would-be home buyers how to shore up their credit scores and profiles to help remain eligible for a new mortgage, even in these difficult times.

"Today, it is increasingly difficult to obtain a subprime mortgage, a term that refers to a home loan made to individuals with less than 'prime' credit," Housser explained. "Fortunately, one surefire way exists to avoid a subprime mortgage. It is to not need one -- by having prime-worthy credit."

Credit scores range from 300 to 850. Higher numbers indicate better credit, or a greater likelihood of repaying debt. The median U.S. credit score is about 725. A score below 680 usually results in a borrower being charged a higher interest rate or being denied credit. Lower scores (typically 650, or sometimes 620) are considered subprime.

"These scores qualify only for loans with higher interest and stricter requirements -- if you can get a loan at all," Housser said. "A good credit score can significantly boost your ability to borrow money. Credit scores also can affect consumers' ability to rent an apartment, lease a car or even get a job."

Housser offered the following tips for consumers to improve their credit scores:

1. Understand the score. The first step in good credit is monitoring credit reports. Each of the three main credit reporting agencies (Experian, Equifax and TransUnion) tracks consumers' credit history and calculates their credit scores. The score from each agency may be different. Get a free credit report each year at www.annualcreditreport.com.

2. Correct mistakes. Correct any inaccuracies on the report. Visit the credit bureaus' Web sites for information on how to file a dispute. Credit bureaus must investigate any disputed items and remove them if they cannot be verified, Housser noted. Keep copies of all correspondence.

3. Build job history. A stable job history is one factor lenders consider when offering a mortgage loan. Creditors look at job history to understand a consumer's stability and income.

4. Pay bills on time. On-time payments are very important to good credit. Paying bills on time for as little as one month can raise a modest credit score by 20 points.

5. Avoid new debt. "When preparing to apply for a mortgage, do not open any new accounts for six months ahead of time," Housser cautioned. Every new inquiry to a credit report affects the credit score. However, he noted that when consumers shop for the best mortgage loan, credit bureaus do not hold against them multiple inquiries for the same product within a short period of time.

6. Avoid payday loans. Payday loans have annual rates of 200 percent (or more) -- a terrible path into a debt snowball that can destroy financial security.

7. Do not max out cards. Do not charge credit cards up to the limit. "If possible, keep one or two cards open with low or no balances," Housser said. "This will help the important 'credit utilization' aspect of the credit score. Also, avoid making substantial charges on cards one to two months before applying for a mortgage, even if the balance will later be paid in full."

8. Do use credit. Credit bureaus rely on past payment history to gauge borrowers' future behavior. Closing unused accounts while maintaining some debt creates a higher debt-to-credit ratio, which appears as a greater credit risk and lowers a credit score. Use credit cards sparingly (and pay them off monthly) to maintain a current credit history.

9. Resist identity theft. Identity theft can destroy credit ratings. "Protect yourself from unscrupulous individuals who could go through your trash, steal account numbers online or get information through "phishing" scams," Housser said. "Keep important financial information and account numbers in a secure place, shred documents that contain personal information, and never give out personal information in e-mails or phone calls you did not initiate."

"In today's financial market, a good credit score is more important than ever," Housser said. "Take steps today to build and safeguard your credit. A solid score will repay your efforts today and in the future."

Based in San Mateo, Calif., Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues and comparison shop for products and services including credit cards, debt relief assistance, insurance, mortgages and other loans. The company blogs about consumer finance issues at http://www.bills.com/blog. Since 2002, Bills.com has served more than 30,000 customers nationwide while managing more than $1 billion in consumer debt. Bills.com is a division of Freedom Financial Network, LLC, whose co-founders and CEOs, Andrew Housser and Brad Stroh, have been named Northern California finalists in Ernst & Young's Entrepreneur of the Year Awards.

Press Contact: Aimee Bennett
Company Name: Bills.com
Phone: 303-843-9840
Website: www.bills.com

New, Flexible Individual Health Insurance Plans

2008-07-13T01:01:00.000-05:00

HumanaOne Introduces New, Flexible Individual Health Insurance Plans in Nine States

Individual insurance plans from HumanaOne meet a wide range of consumer needs.

Louisville, KY  - March 11 -- Humana (NYSE: HUM) today announced the introduction of a new portfolio of individual health insurance plans under its HumanaOne® brand in nine states -- Alabama, Arkansas, Iowa, Indiana, Mississippi, Nebraska, Oklahoma, South Carolina and Utah. In 2007, Humana introduced the individual health insurance coverage options in 15 other states (listed below), where they have been popular with consumers.

The variety of plans makes it easy for individuals and families to select a plan according to their own personal preferences, lifestyles and budgets. HumanaOne plans are designed specifically for self-employed entrepreneurs, small-business employees, part-time workers, students and early retirees. Humana markets HumanaOne plans through insurance agents and brokers, as well as directly to consumers. Health insurance quote applications for the plans are available online or by phone.

HumanaOne's new personal health insurance plan portfolio includes a broad spectrum of benefits -- with three in-network coinsurance levels and 17 annual deductible choices -- organized into three, distinct packages, for:

    People who are security-minded and want benefits like those provided by big employers
    People who want flexibility to fit their financial plan, including HSA-qualified offerings
    People who want a low-cost plan with a safety net "just in case"

The plans can be further customized with optional benefits such as dental insurance, life insurance, and supplemental accident coverage.

"With the U.S. market for individual health insurance at 18 million and growing, we recognize that individual health insurance plans cannot be 'one size fits all,'" said Jerry Ganoni, president of HumanaOne, Humana Small Business and HumanaDental. "That's why we created three separate families of plans, each tailored for a particular kind of consumer, but at the same time highly customizable. This represents the most significant product expansion for HumanaOne since its inception in 2002."

In 2007, Humana launched the new products in 15 other states -- Arizona, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Louisiana, Michigan, Missouri, North Carolina, Ohio, Tennessee, Texas and Wisconsin. Soon, the company plans to introduce the new product portfolio in the remaining two states where HumanaOne currently operates. At present, HumanaOne serves more than 250,000 health plan members in 26 states.

The new plans from HumanaOne are designed to appeal to a variety of consumers -- from those who desire the security, coverage and service commonly found in health plans from large employers, to those wanting a simple safety net in the event of a major health problem.

The new portfolio of HumanaOne plans offers deductibles ranging from $1,000 to $7,500 for single coverage, and from $2,000 to $15,000 for family coverage. Premiums start as low as $30 per month for single coverage and increase according to the plan, its features and level of benefits.

"This new portfolio of products positions HumanaOne to serve a much larger portion of the individual health insurance market, which we believe will continue to grow at a rate of five to eight percent annually over the next five years," said Steve DeRaleau, chief operating officer of HumanaOne. "As more people leave group health plans, retire early, become self-employed or work part-time, they will increasingly look to individual health plans, and HumanaOne will be there to serve them with a plan ideally suited to their distinct needs."

Humana guarantees monthly premium rates on its HumanaOne plans for one full year after purchase, as long as the member remains in the same area and keeps the same benefits. Thanks to Humana's large network of doctors and hospitals, HumanaOne policyholders who move to a different state can simply take their plan with them, and in most cases, those who work or travel away from home can receive in-network benefits by seeing any of the more than 400,000 Humana-contracted doctors, hospitals and other health care providers across the country.

HumanaOne members have 24-hour access to online tools and resources, enabling them to check claims status, medical expenses, compare hospital, doctor and prescription costs and more. HumanaOne accepts applications by phone or via its Website at http://www.humana-one.com/.

About Humana

Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health and supplemental benefits companies, with approximately 11.5 million medical members. Humana is a full-service benefits solutions company, offering a wide array of health and supplementary benefit plans for employer groups, government programs and individuals.

Over its 47-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 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

Press Contact: Jim Turner
Company Name: HumanaOne
Phone: 502-476-2119
Website: http://www.humana-one.com/

Compare Car Insurance Quotes from over 317 Insurers

2008-07-09T23:30:00.000-05:00

New Compare.com Website Launched - Compare Car Insurance Quotes from over 317 Insurers throughout the UK

With the launch of the latest heavyweight contender in the car insurance quotes industry, The Car Insurance Megastore leads the way. Searching over 317 car insurers and schemes.

March 11 -- On March 1st, 2008 the new car insurance quotes comparison website The Car Insurance Megastore was launched, offering its customers the ability to search a massive range of UK car insurers and schemes. With the completion of one form, it is now possible to search over 317 insurance schemes/providers and obtain the cheapest quote displaying simple and informative results. Even allowing the full viewing of the policy before you buy for total peace of mind.

With the launch of the latest heavyweight contender in the car insurance quotes industry, The Car Insurance Megastore leads the way. Searching over 317 car insurers and schemes, The Car Insurance Megastore hits hard against all Compare.com websites.

There are a huge amount of car insurance comparison websites advertised, such as Compare.com along with a myriad of deals available from the larger retail supermarkets. Yes you want to save time and money, but if you target your requests for quotes properly, you could save hundreds in less than an hour online.

Many car insurance companies claim to offer policies for all types of drivers. Simply asking just any random insurance company for a quote, isn't going to save you money. If you are a new driver, a learner, convicted driver, lady driver, or a motorist with little driving history, you need to get a specialist quote.

This is where car insurance comparison websites step in, enabling you, the customer to compare all these specialist providers by filling out just one form. All the quotes returned will then be organised, with lowest price first. You can then plough through the results simply selecting the right cover for you!

There are a number of price crunching web sites online. To provide you with a rate, they will ask you some basic information about yourself, what level of cover you need, and then request quotes from various different car insurance companies in a single search.

With car insurance premiums climbing higher each year, particularly for learner drivers, students and young drivers, make the insurers work for your business.

If you are in a statistically higher risk driver group, for motor insurance, the more money you will save if you shop around. By using a comparison website, you only have to enter your details once but get a vast number of quotes to select from, saving time and money in your search for car insurance cover.

Where to Look?

With a plethora of car insurance comparison sites to choose from, where do you start? Why not check out the UK's fastest growing car insurance comparison website - Car Insurance Megastore with over 317 insurers and schemes to choose from. With some of the lowest prices on the internet. The only Compare.com Website you will ever need to browse for car insurance.

Press Contact: ANDY BIGGS
Company Name: Car Insurance Megastore
Phone: 0796 000 3186
Website: http://www.carinsurancequotes.uk.com/compare.com.php

Asbestos Contaminated Housing Project Crews Hid Asbestos Leak

2008-07-06T21:13:00.000-05:00

LegalView Releases News on Asbestos Contaminated Housing Project Where Crews Hid Asbestos Leak with Dirt

LegalView reported on its mesothelioma blog about an asbestos contamination that occurred in Miami during the construction of an affordable housing project. The project, now likely to cost five times the original estimate, was contaminated after crews clearing the area hid an asbestos leak with piles of dirt.

Denver, CO - April 12 -- LegalView.com updated its mesothelioma blog with reports of an asbestos contamination that was concealed with piles of dirt by construction crews who were clearing the area for an affordable housing project. The contamination not only increased the risk of exposure to asbestos and thus development of mesothelioma for individuals in the area, but increased the cost of the affordable housing project by five times the originally estimated amount. Individuals living in the area may have been exposed to asbestos fibers and are urged to contact a medical professional as soon as possible. Additionally, Americans who may have been exposed to asbestos should also contact an experienced mesothelioma law firm.

Asbestos is derived vermiculite, a mineral that was heavily mined in the 20th Century. Asbestos was prized for its ability to insulate buildings with a decreased risk of catching fire. It was used for all types of constructions including schools, offices, homes and apartment buildings. However, after discovering that asbestos exposure caused a deadly lung disease among exposed individuals, mining stopped and the Environmental Protection Agency (EPA) was charged with the task of cleaning up any asbestos. Mesothelioma cancer, which is an untreatable form of lung cancer, is often the outcome for individuals who were previously exposed to asbestos. Those who feel they are at risk for this illness should locate an attorney to explore the possibility of a mesothelioma lawsuit.

The area known as North Miami's Pioneer Gardens was expected to house 136 units for low-income individuals. However, when a contractor began digging, it was discovered that workers who had previously cleared the site had inadvertently caused an asbestos leak when underground pipes containing the contaminant were broken. The workers allegedly covered the leak with piles of dirt and it was left until just recently when digging began. It can take years to develop the cancer and even then a mesothelioma diagnosis is often overlooked, causing the cancer to spread among its victim. To learn about the potential for monetary compensation, individuals are advised to contact an experienced mesothelioma lawyer for an attorney consultation on their individual case.

Other issues that are covered on LegalView's Web site, which have largely negatively impacted thousands of Americans recently, include several prescription drugs - Chantix, Singulair, as well as Vytorin and Zetia. Chantix is a smoking cessation drug that is prescribed to millions of Americans struggling to quit their tobacco addiction. In late 2007, the U.S. Food and Drug Administration (FDA) began receiving reports from patients taking Chantix that the drug was linked with instances of depression, erratic behavior and suicidal tendencies and thoughts. Overall, nearly 400 individuals reported this behavior and the drug was also allegedly linked to 37 suicides among patients. The FDA quickly began investigating the drug and are currently studying the Chantix side effects to determine the drug's dangers.

Similar to the dangerous side effects that have been associated with Chantix, are those that have been linked to Singulair, also a prescription drug, which is given to patients who suffer from severe asthma and allergy symptoms. However, in March 2008, reports began to surface about Singulair's potentially dangerous side effects, which may include mood and behavior changes including suicidal behavior among adults and children. The FDA is currently investigating the Singulair risks that may exist with taking this drug.

Vytorin and Zetia are similar in that both are prescription drugs used to lower cholesterol and prevent heart disease among patients. Often Vytorin and Zetia are used in combination of each other and both are manufactured from Merck/Shering-Plough. Recently, the company made headlines because of an extensive study that was completed in 2006 on the two drugs, which detailed the benefits, or lack thereof, of the medications. However, the Zetia and Vytorin manufacturer allegedly delayed the release of the study to the public because findings that Vytorin and Zetia were not as effective as cheaper alternatives. This information has prompted many patients to consider a Vytorin lawsuit.

About LegalView:

LegalView.com is a public service brought to you by Legal WebTV Network, LLC, a Limited Liability Corporation created by a group of the nation's most highly respected law firms: Anapol Schwartz; Brent Coon and Associates; Burg Simpson; Cohen, Placitella and Roth; James F. Humphreys and Associates; Lopez McHugh; and Thornton and Naumes. For more information on the accomplishments and track records of LegalView.com's superior sponsoring law firms and to get in touch with LegalView attorneys, visit LegalView at www.LegalView.com.

Press Contact: Katie Kelley
Company Name: LegalView
Phone: 720-771-3246
Website: http://mesothelioma.legalview.com

UnitedHealth Group Inc.'s Earnings Guidance and Settlements Generates Comments

2008-07-03T12:25:00.000-05:00

A.M. Best Comments on UnitedHealth Group Inc.'s Earnings Guidance and Settlements

OLDWICK, N.J.-- July 03, 2008 --A.M. Best Co. has commented that the ratings of UnitedHealth Group Inc. (UnitedHealth) (Minnetonka, MN) (NYSE: UNH) and its subsidiaries remain unchanged following the company's release of a revision to earnings guidance and reduced second quarter and full year 2008 earnings. UnitedHealth also announced a settlement in the federal securities class action and Employee Retirement Income Security Act (ERISA) lawsuits.

On July 2, 2008, UnitedHealth announced a revision to its earnings outlook for 2008 following an assessment of preliminary second quarter 2008 results and recent business trends. The company's risk-based commercial business produced a lower level of gross margin than expected due to increased pressure on premium yields, which are resulting from a competitive commercial business environment. Furthermore, UnitedHealth is experiencing a decrease in the gross margin for Medicare Part D and Medicare Chronic Special Needs Plans.

Additionally, UnitedHealth announced that it had reached an agreement to settle both the federal securities class action and ERISA lawsuits. Both lawsuits arose from UnitedHealth's historical stock option practices. As a result of the settlements, UnitedHealth will pay $895 million pre-tax into a settlement fund for the benefit of class members of the federal securities class action lawsuit and $17 million into a settlement fund for the benefit of ERISA class members. UnitedHealth's insurance carriers will cover the majority of the ERISA settlement.

A.M. Best expects UnitedHealth to continue to experience pressure in the commercial market, which may result in lower margins. The result of these announcements and the subsequent payment for the settlements are expected to increase UnitedHealth's debt-to-capital ratio above 40%, should the company use debt for the payment. While A.M. Best is not comfortable with an increase in the debt-to-capital ratio above 40%, A.M. Best expects the ratio to remain less than 45% and for this ratio to return to 40%by second quarter 2009. A.M. Best also expects UnitedHealth's earnings before interest and taxes (EBIT) interest coverage to remain at 10 times or greater. Additionally, A.M. Best would like UnitedHealth to scale back its share repurchase program until the debt-to-capital ratio decreases to 40%.

On January 29, 2008, A.M. Best issued a press release announcing a downgrade to the ratings of UnitedHealth Group and select subsidiaries. At that time, A.M. Best considered the change in the company's capital structure and increase in debt-to-capital ratio in the rating action.

If UnitedHealth's debt-to-capital ratio increases above 45% or if the company announces another negative revision to earnings (including any additional settlements or fines), a negative rating action may occur. Additionally, A.M. Best would take into consideration the magnitude of the amount of any settlement or fine in any rating action. A.M. Best will continue to monitor the financial results and risk-based capitalization of UnitedHealth and its insurance subsidiaries, as well as continue its ongoing dialogue with company management.

Founded in 1899, A.M. Best Company is a global full-service credit rating organization dedicated to serving the financial and health care service industries, including insurance companies, banks, hospitals and health care system providers. For more information, visit www.ambest.com.

Contacts

A.M. Best Co.
Analysts:
Sally Rosen, 908-439-2200, ext. 5280
sally.rosen@ambest.com
or
Kenneth Frino, 908-439-2200, ext. 5012
kenneth.frino@ambest.com
or
Public Relations:
Jim Peavy, 908-439-2200, ext. 5644
james.peavy@ambest.com
or
Rachelle Morrow, 908-439-2200, ext. 5378
rachelle.morrow@ambest.com

Next Generation Platform For Financial Services Market Introduced

2008-06-07T23:19:00.000-05:00

Provenir Introduces Its Next Generation Platform For Financial Services Market

Provenir Platform 6.0 Connects Business and IT to Allow Rapid Change within the Financial Services Industry

Parsippany, New Jersey - April 23, 2008 -- Provenir, a leading provider of enterprise software for managing the customer lifecycle, today announced the release of Provenir Platform 6.0. The Provenir Platform 6.0 helps banks and finance companies streamline customer management. Built upon open standards, the Provenir Platform ensures that financial institutions are more effective and efficient at responding to business changes, by standardizing their operations and customer treatment.

"The financial services market is undergoing a volatile market shift that is bringing enterprise flexibility to the forefront," said Kathleen Khirallah, managing director and Banking practice lead at TowerGroup. "Lenders are under increased pressure from the various regulators, profits are shrinking and customer expectations are rising in terms of how they are communicated with. Organizations that are positioned for this shift are going to prosper, gain market share and invoke greater customer loyalty."

Central to the Provenir Platform is the visual workflow that helps guide and unify IT Development and Business Analysts when designing and updating decision strategies that impact financial service companies' customers. The Platform enables teams located anywhere in the world to work independently on developing decision strategies and workflows while providing the necessary security and control to ensure resources are only able to view and modify items appropriate to their level of experience and authority.

As new strategies and policies are created and approved, the Platform provides banks and finance companies the ability to immediately push these out across their multiple banking channels (mobile, branch, online, call center) to ensure consistent customer management. IT Departments appreciate that the Platform is built on an open extensible mark-up language (XML) framework that allows for easy integration of data sources, applications, services and legacy system modernization. For Business Analysts, the Platform has a series of intuitive process flows, innovative graphical development tools, scorecards and wizards that simplify the management and maintenance of complex business logic and processes.

"Financial services companies need to address strategy updates and business change in an agile and efficient manner. It must occur across the organization and allow both business and IT departments to apply their expertise collectively," said Jeffrey Oulton, chief operating officer at Provenir. "The Provenir Platform unifies and encourages the reuse of workflows, decision strategies, and policies across lines of business and functional groups to streamline business processes and ensure consistent customer treatments throughout financial institutions."

Version 6.0 of Provenir Platform brings financial service companies a visual environment that allows Business and IT Departments to facilitate change, reuse business knowledge and reduce operating costs. Three significant breakthroughs in the newest release include:

* Visual design and management environment simplifies and accelerates the modeling, testing and launch of new strategies. The Provenir Platform delivers this in the form of visual queues, visual testing environment, and intuitive search and replace.

* Inheritance of business rules and decision strategies allows companies to share common corporate and business line policies, speeds the implementation of new and updated products and services, and aid in compliance with consistency and transparency.

* New scorecard features give credit risk managers the ability to specify reason codes for increased understanding of factors that contributed to the overall score. They can also quickly implement more sophisticated models for improved predictability and decisioning. * The Provenir Platform is suited for multiple lines of business including commercial, small business, auto, sub-prime auto, personal lending and credit card. Business applications that benefit from the Provenir Platform include originations, prospecting and target marketing, account management, collections and recovery, customer service, and compliance.

Provenir will demonstrate the power of the new Platform at the Annual Provenir User Forum, May 12-14 at the Dolce Basking Ridge Luxury Retreat, Basking Ridge, NJ. The forum provides Provenir customers the opportunity to exchange information, understand the various factors that are impacting the financial services industry and how best to capitalize on the Platform. More information can be found at http://www.provenir.com/events.aspx.

About Provenir
Provenir is a leading provider of enterprise software for managing the customer lifecycle. Founded in 1992, the company's historical focus on solutions for the financial industry has led to successful implementations at major banks and credit institutions. This proven ability to handle key financial data and processes is now enabling companies in other industries to make use of the Provenir Platform to manage their customer lifecycle interactions.

Companies use Provenir software to create customized systems from a common architecture, letting IT and business collaborate to maximize profitability of operations that impact financial performance. Business applications of Provenir technology include originations, prospecting, account management, collections and recovery, customer service, security, and compliance.

Provenir is privately held, with headquarters in Parsippany, New Jersey. Customers in the United Kingdom and continental Europe are served from offices in London. Asia/Pacific operations are headquartered in Hong Kong. Information about Provenir, the Provenir Platform, and professional services are available on the company's website at www.provenir.com.

Press Contact: MARK PETERSON
Company Name: Provenir
Phone: 831-626-4400
Website: http://www.provenir.com/

Mobile Insurance Claims Center Set Up for Fast Claims Handling

2008-06-07T12:05:00.000-05:00

Farmers Insurance Claims Team Sets Up Mobile Claims Center for Fast Claims Handling

MINNEAPOLIS-- May 27, 2008 --Farmers Insurance Group of Companies advises its Farmers Insurance customers suffering damage from the tornado in Hugo to immediately contact their agent or call the 24 hour claims hotline, 800-HelpPoint (1-800-435-7764).

Foremost Insurance customers who have damage should file their claim by calling: 1-800-527-3907.

As of Tuesday afternoon, Farmers and Foremost combined have received more than 2400 claims.

To further assist customers, Farmers' Mobile Catastrophe Claims Center Bus is in Hugo, MN at Oneka Elementary School located at: 4888 Heritage Parkway.

The Farmers Mobile Catastrophe Claims Center Bus is a rolling customer support center equipped with top-of-the-line technology for immediate claims handling and outfitted with comforts of home such as a grill for on-the-spot meals. Farmers customers can stop by the Mobile Catastrophe Claims Bus anytime. Reporters are welcome to tour the bus as well.

"The Farmers claims bus allows us to serve the most number of people," said Locke Pierce, State Executive Director of Farmers Insurance in Minnesota. "We are equipped to be a community relief center with this bus. We can serve meals by the hundred and allow people telephone and computer access to reach relatives. These are luxuries no one takes for granted during a crisis."

Farmers Group, Inc. is a wholly owned subsidiary of Zurich Financial Services, an insurance-based financial services provider with a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets. Farmers® is the nation's third-largest Personal Lines Property & Casualty insurance group. Property and casualty products are underwritten and issued by the Farmers Exchanges and their subsidiaries, which Farmers Group, Inc. manages but does not own. Headquartered in Los Angeles and doing business in 41 states, the Farmers insurers provide Homeowners, Auto, Business, Life insurance and financial services to more than 10 million households. For more information about Farmers, visit our Web site at www.farmers.com.

Contacts

Farmers Insurance Group
David Bishop, 850-228-8997
david.bishop@farmersinsurance.com