TravelCare International provides medical professionals, hospitals, travel medicine clinics, corporate travel departments and student health offices with information and education about travel to more than 220 countries.

Langhorne, PA (PRWEB) May 17, 2012

David Marks and David Haas, founders of TravelCare International, have joined Novotorium to grow their business in the incubator’s collaborative, innovative environment. TravelCare will take full advantage of Novotorium’s workspace, technology and infrastructure resources, expertise of staff and partners, and the organization’s extended network of resources, according to Mike Krupit, who heads up Novotorium.

“TravelCare is a compelling business that leverages technology to provide medical information services to travelers,” said Krupit. “It provides vital information to help consumers better manage their health before, during and after international travel. The Novotorium team of staff members and partners will work closely with David Marks and David Haas to help them grow TravelCare in new and innovative ways.”

TravelCare provides medical professionals, hospitals, travel medicine clinics, corporate travel departments and student health offices with information and education about travel to more than 220 countries, including: daily medical, security, safety and political alerts, as well as information about vaccination, booster guides and dosage information. TravelCare delivers this information 24/7 and 365 days per year via the Internet in printable and email formats.

“With 61 million International travelers departing from the US each year, we know how important it is to ensure they travel safely from both a health and safety perspective. TravelCare makes it easier for these travelers to connect with the medical professional community and to take appropriate pre-trip precautions,” said Marks. We are excited about the growth of the business and recognize the knowledge and experience the Novotorium team can bring to accelerating those efforts.”

According to The Centers for Disease Control and Prevention, an estimated 50 percent of International travelers will experience some travel health related issue. TravelCare performs a valuable service for both the traveling public and the medical professional community by helping them manage travel-related health care before, during and after travel. TravelCare compares favorably to other companies in the travel health information and services space including Shoreland Travax and Tropimed.

The TravelCare team joins Shiva Srinivasan of Zuppler and David Friedman and Jameel Farruk of Inhabi – both companies having been previously accepted into Novotorium’s full time incubation program. Zuppler is a full-service restaurant ordering system and portal that offers online ordering, table reservations, customized restaurant websites, ratings and more. Inhabi is an internet-based business that invites landlords with properties for rent to place information about their properties on its website and then connect with desirable renters interested in their properties.

Business incubation is Novotorium’s primary program. Each company in the business incubation program receives services designed specifically to meet its unique needs. As companies grow and meet goals, Novotorium makes targeted investments in firms where mutually beneficial and desired.

In addition to incubation, Novotorium has created business acceleration groups that bring together clusters of entrepreneurs and young businesses to participate in a condensed incubation program for two days every month. The two days are spent as would any incubation – mentoring, classes, partner office hours, and collaboration. The goal is to give the companies a boost to help keep them moving forward. Groups remain consistent to allow members to build lasting relationships.

Companies in Novotorium’s business acceleration groups include:

A Clean Spot: A website that allows people in a community to create an online place to buy/sell and give away used items.
Adpropo: A social and entertainment platform that brings consumers together with brands in a much more fun and valuable way.
Advisor Fox: An ad network for financial advisors to receive targeted advertising from product and service providers.
Bolt On Technology: A leading provider of add-on automotive service software, credit card processing, customer text messaging, state inspection software and management dashboard services.
Consumer Marketing Rights: A business that works with consumers to protect their interests.
Executive Education Alliance: A training system to help professionals learn to more effectively use social media for business.
Food for Thought: A company that helps restaurants and other businesses receive real-time, actionable feedback from customers.
Glokl Tours: A mobile app business that provides users with a system to create and distribute tours that others can access via their smart phones.
Harborlight Software: A leading provider of real-time data collection, retention and dissemination software designed for use on land or at sea.
Immersion Technology: A technology development firm creating a comprehensive advertising management system for publications.
Ridaroo: A web platform that enables businesses and universities to set up ride-sharing sites for people in their organizations.
TeleMed Group: A healthcare monitoring company that creatively uses technology to help people in the quest to age in place.
About Novotorium:

Novotorium is an independent, private sector initiative funded by the Baron Innovation Group, and based in Langhorne, Bucks County, Pennsylvania. Novotorium provides the environment, advice, services, and funding that are needed for entrepreneurs who strive to grow their emerging companies. Novotorium’s unique approach helps entrepreneurs cross the chasm to achieve sustainable growth and profitability. Along with four full-time staff members, Novotorium has a network of more than 30 partners, including successful entrepreneurs, lawyers, financial professionals, technologists, and marketing service providers who are available to help entrepreneurs.

Entrepreneurs interested in learning more about Novotorium’s programs and applying can learn more at http://www.Novotorium.com

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Michael T. Gibson – Orlando Auto Injury Attorney

Orlando, FL (PRWEB) May 16, 2012

Michael T. Gibson, P.A. will host its 1st Annual Scholar Athlete Banquet on Sunday, May 20, 2012 from 4:00 p.m. to 6:00 p.m. at the Dubsdread Golf Course in the Fairview Room, located at 549 West Par Street, Orlando, FL 32804.

“We are thrilled to host our first annual Scholar Athlete Banquet that recognizes the top high school seniors in Central Florida for their achievements in the classroom, on the field and in their community,” said Attorney Michael T. Gibson. “This is an event we plan on hosting annually.”

Super Bowl champion and UCF football great, Darcy Johnson will serve as the keynote speaker at the banquet. Student athletes Jordan Garcia of New Dimensions High School, Johanna Jimenez of Oakridge High School and Rachel Mcleod of Haggerty High School will each receive a $ 2,000 scholarship check at the banquet. These individuals have maintained stellar grades, excelled in athletics and strengthened their communities through volunteer work and community service.

The Michael T. Gibson Scholar Athlete of the Month program recognizes Central Florida’s top high school seniors who have excelled in academics, athletics and are actively involved in their community. The Scholar Athlete program highlights the achievements of one male and one female student athlete each month. The nominees’ names and accomplishments were announced on WPYO Power 95.3 FM during the months of March and April. This year, three students were selected for the scholarship, due to their exemplary qualifications. At the end of the school year, all winners will take part in the scholarship banquet and will each be awarded a $ 2,000 scholarship.

###

The Orlando-based personal injury law firm of Michael T. Gibson, P.A., is dedicated to cases involving auto accidents, nursing home abuse claims, premises liability and slip and falls. The firm also represents consumers and individuals in insurance disputes of all types. Attorney Michael T. Gibson’s practice is grounded in his family’s experiences. Having witnessed his own mother suffer through a horrific auto accident, he has personal experience fighting a large insurance company to obtain justice. He brings this experience along with his legal skills and training into every case he handles. Mr. Gibson is also the author of “Your Complete Guide to Florida Auto Accident Claims.” Those interested in obtaining a free copy of his book, can download it on the firm’s website. For more information, visit http://www.autojusticeattorney.com or call 1-855-What-Next (1-855-942-8639). Se habla Espanol.

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Venice Vacation Rentals on bobzio.com

Venice, California (PRWEB) May 16, 2012

The Venice Vertical House is an architect-built and owned home. First floor has guest room #2, large and spacious with a queen bed and European bathroom (shower, sink, toilet). Second floor has the master bedroom with California King Bed and en-suite bathroom. Next to the Master is Guest Room #1 with a queen bed and European bathroom. The third level has the living room and kitchen/dining area. The top floor (roof) is a roof deck with four loungers for sunning and very cool enclosed glass area for reading or hanging out.

Each bedroom and the living room have cable television & high-speed wireless internet. Towels and linens are provided. The home is one block from the Venice Beach Boardwalk and the beach. Please visit http://www.mainstreetsm.com to see the street behind the home. Shopping, restaurants, galleries and star sitings. Bike rental available a block away. View more photos and rental rates on bobzio.com under Venice California.

Bobzio.com is a co-op of vacation rental owners, home exchanges and area services. Bobzio.com announces free lifetime listings for owners of vacation rentals. A comparable website with thousands of listings will charge up to a $ 1000 for such perks and listing benefits as bobzio.com offers for no cost.

Each owner will get unlimited photos, video upload, interactive reservation calender, Google map and email contact form. Bobzio.com is only several months old but is growing fast. More users are discovering the advantages of searching for rentals based on activities such as golf, theme parks, scuba diving and any activity imaginable including surfing.

http://www.Bobzio.com being a co-op is owned by the members. The ownership role will be determined when the first 20,000 have joined. There will not be a better time to get in on an opportunity like this that could save up to $ 1000 each year in subscription costs. The website also offers training on techniques to increase internet marketing exposure for individual listings and tips to get photos and videos to show up in some of the major internet search engines. Jump on board. The sooner the better. To see an example of a free listing visit http://www.bobzio.com/view_property_details.php?title=Cape-San-Blas-Vacation-Rental-Bayrock-2-on-http://www.Bobzio.com–6080-Cape-San-Blas-Rd,-Port-St-Joe,-Florida-&pro_id=25.

Bayrock a Cape San Blas Vacation Rental has a special going on now under Special Offers. Book a week in May for $ 1100. This is a $ 400 discount. Visit bobzio.com to see all the details and video under the Special Offer section.

Bobzio.com has created several strategic partnerships to assist with marketing and management of Vacation Retnals. One is DirectPlacement.co for help with Search Engine Placement (SEP). Visit DirectPlacement.co and ask about search engine placement (SEP) for the bobzio.com vacation property listing or home exchange. Adam, the owner, is very knowledgeable about SEP and personable in his approach. There are no long term commitments or contracts to try DirectPlacement.co services.

The second strategic partnership is with Alan Lane, owner of DepositGuard.com. DepositGuard.com makes it possible for the individual owner to accept credit card payments and bank transfer checks. The fees are minimal and paid by the renter. The renter gains the security of an escrow agent safeguarding their rental deposits. A second option is using Dwolla.com. They offer accounts that do electronic payments using the internet and Cell Phones. There service costs 25 cents a transaction. Both DepositGuard.com and Dwolla.com will be common names in the future but now they are getting started just like Bobzio.com.

Here is a link to a YouTube video showing how easy it is to start a listing: http://youtu.be/qOwKNH0c7Gg

Attachments

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

AxoGen Logo

Alachua, FL (PRWEB) May 14, 2012

AxoGen, Inc. (AXGN.OB), a leading regenerative medicine company focused on the commercialization of proprietary products and technologies for peripheral nerve reconstruction and regeneration, today announced revenues for the first quarter ended March 31, 2012 of $ 1.65 million, a 47% increase over 2011 first quarter revenues of $ 1.12 million.

“This quarter’s record performance has been the direct result of our increase in sales and marketing activity,” commented Karen Zaderej, Chief Executive Officer of AxoGen, Inc. “During the first quarter we continued to expand our sales force, while continuing to get hospital approval for AxoGen products and training and developing the sales team. Our growing base of sales representatives, combined with increasing surgeon awareness of our technologies and clinical data, creates a strong environment for our continued growth.”

Revenues

Revenues for the period increased to a record $ 1.65 million, or 47%, compared to $ 1.12 million in 2011. The improved results were primarily due to an increase in new accounts as well as stronger sales penetration into key accounts.

Revenues increased 21% over fourth quarter revenues of $ 1.36 million.

Gross Profit

Gross profit reached $ 1.21 million, a 55% increase, for first quarter 2012 up from $ 0.78 million reported for the same period 2011. The higher gross profit reflects lower manufacturing and labor cost and the absence of one-time manufacturing startup expenses reported during the first quarter of 2011. The gross profit margin increased to 73% compared to 70% for the same quarter last year.

Sales and Marketing Expenses

As a result of the Company’s investment in additional sales and marketing resources, sales and marketing expenses during the first quarter of 2011 increased to $ 1.63 million, compared to $ 0.86 million reported during the same period last year. As of the end of the period, the Company reported 16 direct and 21 independent sales representatives and distributors.

Research and Development Expenses

Research and development expenses increased to $ 0.30 million during the first quarter of 2012. Substantially all of the research and development expenses relate to expenditures for clinical activity.

General and Administrative Expenses

General and administrative expenses increased to $ 1.23 million for the quarter, compared to $ 0.72 million reported last year. This increase was largely driven by payroll and benefit increases and expenses associated with being a public company.

Operating Loss

The Company reported a net loss of $ 2.11 million, or $ 0.19 per common share, compared to a net loss of $ 2.3 million, or $ 2.21 per common share, reported during the same period in 2011.

Financial Liquidity

At March 31, 2012, the Company had $ 5.64 million in cash and cash equivalents, with $ 5.0 million in total debt outstanding.

Earnings Call Information

As previously announced, AxoGen, Inc. management will review first quarter 2012 financials during a conference call scheduled for May 15, 2012 at 11:00 AM Eastern Time. The conference call information is as follows:

Conference dial-in:            888.715.1397

International dial-in            913.312.1227

Conference ID:                6117124

Webcast:                    http://www.axogeninc.com/investors.html

A webcast replay of the conference call will be available under the “Investor” tab on the Company’s website, http://www.axogeninc.com .

About AxoGen, Inc.

AxoGen (AXGN.OB) is a leading regenerative medicine company with a portfolio of proprietary products and technologies for peripheral nerve reconstruction and regeneration. Every day, people suffer traumatic injuries or undergo surgical procedures that impact the function of their peripheral nerves. Peripheral nerves provide the pathways for both motor and sensory signals throughout the body and their damage can result in the loss of function and feeling. In order to improve surgical reconstruction and regeneration of peripheral nerves, AxoGen has developed and licensed patented and patent-pending technologies, which are used in its portfolio of products. This portfolio includes Avance® Nerve Graft, the only commercially available allograft nerve for bridging peripheral nerve discontinuities (a gap created when the nerve is severed) of up to 70mm in length.

AxoGen’s portfolio also includes AxoGuard® Nerve Connector, a coaptation aid allowing for close approximation of severed nerves, and AxoGuard® Nerve Protector, a bioscaffold used to reinforce a coaptation site, wrap a partially severed nerve or isolate and protect nerve tissue. AxoGen is bringing the science of nerve repair to life with thousands of surgical implants of AxoGen products performed in hospitals and surgery centers across the United States, including military hospitals serving U.S. service men and women.

AxoGen is the parent of its wholly owned operating subsidiary, AxoGen Corporation. AxoGen’s principal executive office and operations are located in Alachua, FL.

Cautionary Statements Concerning Forward-Looking Statements

This Press Release contains “forward-looking” statements as defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management’s current expectations or predictions of future conditions, events or results based on various assumptions and management’s estimates of trends and economic factors in the markets in which we are active, as well as our business plans. Words such as “expects”, “anticipates”, “intends”, “plans”, “believes”, “seeks”, “estimates”, “projects”, “forecasts”, “may”, “should”, variations of such words and similar expressions are intended to identify such forward-looking statements. The forward-looking statements may include, without limitation, statements regarding product development, product potential or financial performance. The forward-looking statements are subject to risks and uncertainties, which may cause results to differ materially from those set forth in the statements. Forward-looking statements in this release should be evaluated together with the many uncertainties that affect AxoGen’s business and its market, particularly those discussed in the risk factors and cautionary statements in AxoGen’s filings with the Securities and Exchange Commission. Forward-looking statements are not guarantees of future performance, and actual results may differ materially from those projected. The forward-looking statements are representative only as of the date they are made, and AxoGen assumes no responsibility to update any forward-looking statements, whether as a result of new information, future events or otherwise.

Attachments

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

David Harris of the NY JETS

West Orange, NJ (PRWEB) May 14, 2012

WHO: David Harris Golf Invitational to Benefit Give the Kids Hope Foundation, Inc

WHAT: Interview, broadcast, and photography opportunities will be available at the David Harris Golf Invitational – (NY JETS Charity Event)

WHERE: Essex County Country Club, 350 Mt. Pleasant Avenue, West Orange, N.J., 07052, 973-731-1400

WHEN: Monday, May 14, 2012 *BEST opportunity for player interviews will be at 11 a.m, prior to the shotgun start OR during the cocktail hour at 6 pm – to be added to the press list contact: Maria Paladino-Fitz 973-931-4111 or maria(at)mymediaconsultants(dot)com

SIGNIFICANCE: Several confirmed NY JETS will be playing in the David Harris Golf Invitational and attending the evening awards and dinner/auction ceremony in support of Give the Kids Hope Foundation to benefit underprivileged children in North Jersey. David Harris, Josh Mauga, Bryan Thomas, Darrelle Revis, Bart Scott, Sione Pouha, Dustin Keller and other NY JETS will be playing golf and/or attending the evening dinner/awards ceremony.

Many generous donations of autographed sports memorabilia for the evening auction will be on display that include: footballs, jerseys, cleats and helmets from David Harris, Mark Sanchez, Tim Tebow, Darrelle Revis, Dustin Keller, Nick Mangold, Rex Ryan and others to help raise funds for this worthy cause.

For more information contact:

Give The Kids Hope Foundation

8 Main Street,

Little Falls, NJ 07424

(973-256-1065)

David Harris Invitational

Facebook Event Listing

How You Can Help

The David Harris Golf Invitational is presented by the Tilton Automotive Group which is the parent company of Schumacher Chevrolet in Little Falls, NJ and Gearhart Chevrolet in Denville, NJ. Both dealerships are owned by Judith Schumacher-Tilton. Give the Kids Hope Foundation was founded in 2010 by Judith Schumacher-Tilton and Stephen Tilton Jr. and is a registered 501(C)3 charitable organization that supports educational and recreational programs that benefit underprivileged children in North Jersey.

To learn more about the organization call 973-256-1065 or visit the website: http://www.GiveTheKidsHope.org

Attachments

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

roadfish.com

San Diego, CA (PRWEB) May 13, 2012

With Mother’s Day here, RoadFish.com has managed to compile a list that gives the gift of “good karma”. Instead of spending large amounts of money on a Mother’s Day gift, their four charities of note list provides charitable, affordable options for adult children to donate to on their mother’s behalf. RoadFish.com’s Junior Staff Writer states, “I figure the best way to give back to her is by doing something meaningful in her name. Not only will it make her feel good but she will be a part of the larger global community through her child’s effort. Win-Win! So keep your credit score intact and post-pone that outrageous week-long trip to Europe for you and mom until next year!”

Charitable organizations are non-profit organizations that focus primarily on the monetary donations of others in order to support their causes. Although charity organizations vary by country, their end goal is often the same: help those that cannot help themselves. Among the numerous needs unevenly spread throughout the world, most charitable organizations serve those in communities that are poverty-stricken, and those animals and children that have been abused.

According to Arab News’ Sami Al-Nwaisir, charity organizations and the people who volunteer at them are more important than most people can imagine. Al-Nwaisir stated, “It is often mistakenly believed that charitable organizations and their volunteer activities are unimportant and of little consequence to a country’s economic system, but nothing could be further from the truth. In reality, charitable activities make a vital contribution to the economic, social and political sectors of a nation.”

RoadFish.com’s four charities of note are focused on women, children, animals, and sustainability in America and also developing countries around the world.

The list includes International non-profit organization, Women for Women, which supports the economic endeavors of mothers in third world countries. Their mission is to provide, “women survivors of war, civil strife and other conflicts with the tools and resources to move from crisis and poverty to stability and self-sufficiency, thereby promoting viable civil societies.”

Another organization focused on providing better environments to impoverished nations is charity: water, founded by event promoter-turned-philanthropic entrepreneur Kevin Rose. This donation option comes with a print-it-yourself card to send to a loved one. It also provides the option to sponsor a water project, and/or purchase a gift card that includes gifts for the recipient.

Kids in Need Foundation and the Humane Society also make the four charities of note list. Both of these charities impact those with the smallest, often unheard voices of children and animals. Charles P. Pierce writes on Oprah.com, “There is nothing more visceral than cynicism, nothing more brutish than greed. These are reflexes, common and unremarkable, of the undeveloped spirit. But charity in its finest sense is always an act of the creative imagination.”

Visit RoadFish.com to read the list and to visit charity donation links for each organization recommended for Mother’s Day gifts.

About RoadFish

RoadFish.com is an online men’s lifestyle and finance magazine targeted toward men in their 30s and 40s that have already attained a moderate level of success in life, and are striving toward more. It goes over current events of interest to this group, such things as exciting adventures, making money, baseball players, consumer interests, hot chicks and current politics as well as ways to make more and save more money. It is a publication owned by Purpose Inc.

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

South Padre Island Texas vacation rental on bobzo.com

South Padre Island, TX (PRWEB) May 12, 2012

Casa Mariposa, South Padre Island, located behind the Valley Land Fund’s bird sanctuary, is the perfect destination for birders looking for relaxation, comfort and the ultimate birding experience. This premier home and its unique location to birding sanctuary, offers an exclusive viewing area and found today on http://www.bobzio.com

Casa Mariposa is just steps away from some of the Island’s finest attractions. Loaded with charm, the inn is walking distance to great restaurants, shopping, a museum, and the best beach on the Gulf of Mexico.

Bobzio.com is a co-op of vacation rental owners, home exchanges and area services. Bobzio.com announces free lifetime listings for owners of vacation rentals. A comparable website with thousands of listings will charge up to a $ 1000 for such perks and listing benefits as bobzio.com offers for no cost.

Each owner will get unlimited photos, video upload, interactive reservation calender, Google map and email contact form. Bobzio.com is only several months old but is growing fast. More users are discovering the advantages of searching for rentals based on activities such as golf, theme parks, scuba diving and any activity imaginable including surfing.

http://www.Bobzio.com, being a co-op, is owned by the members. The ownership role will be determined when the first 20,000 have joined. There will not be a better time to get in on an opportunity like this that could save up to $ 1000 each year in subscription costs. The website also offers training on techniques to increase internet marketing exposure for individual listings and tips to get photos and videos to show up in some of the major internet search engines. Jump on board. The sooner the better. To see an example of a free listing visit http://www.bobzio.com/view_property_details.php?title=Cape-San-Blas-Vacation-Rental-Bayrock-2-on-http://www.Bobzio.com–6080-Cape-San-Blas-Rd,-Port-St-Joe,-Florida-&pro_id=25

Bobzio.com has created several strategic partnerships to assist with marketing and management of Vacation Retnals. One is DirectPlacement.co for help with Search Engine Placement (SEP). Visit DirectPlacement.co and ask about search engine placement ( SEP ) for the bobzio.com vacation property listing or home exchange. Adam, the owner, is very knowledgeable about SEP and personable in his approach. There are no long term commitments or contracts to try DirectPlacement.co services.

The second strategic partnership is with Alan Lane, owner of DepositGuard.com. DepositGuard.com makes it possible for the individual owner to accept credit card payments and bank transfer checks. The fees are minimal and paid by the renter. The renter gains the security of an escrow agent safeguarding their rental deposits.

Here is a link to a YouTube video showing how easy it is to start a listing: http://youtu.be/qOwKNH0c7Gg

Attachments

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

West Fargo, ND (PRWEB) May 09, 2012

Purchasing a home is one of the largest financial decisions that people ever make in their lives. This can be a very stressful and difficult decision to make, which is why Family Life is pleased to offer housing counseling to their clients. Housing Counseling and Education can assist people in making the best possible choice when it comes to choosing their home. During the Housing Counseling process, clients considering the possibility of purchasing a home will be counseled by one of Family Life’s certified home-buyer education counselors. Their counselors work with each client to establish a working budget while assessing the client’s debt load and possible obstacles.

Family Life Credit Services is offering First-Time Home-buyer Education workshops which will be offered on a monthly basis. These eight-hour workshops are held over two evenings and are followed by a one-on-one Housing Counseling session with one of their certified home-buyer education counselors. During the workshop, area professionals in the housing industry present on their areas of expertise, with topics including: Finding a Realtor, Homeowners Insurance,

Finding the Right Mortgage and Home Inspections.

There is more than just education that will come out of these courses as many communities offer incentives for completing a home-buyer workshop and/or housing counseling, such as down payment and closing cost assistance, as well as below-market interest rates guaranteed by the government. Many of these funding programs are only available if people attend and complete a certified home-buyer education workshop. To register for a free home-buyer education workshop call (800) 747-9307 or visit http://www.familylifecredit.org/housing-counseling for more information.

About Family Life Credit Services

Family Life Credit Services (http://www.familylifecredit.org) is nationwide nonprofit Christian Family Counseling agency founded in 1986. They were incorporated as Family Life Services Inc., D.B.A. Family Life Credit Services in 1989 and are currently located in West Fargo, North Dakota.

Family Life Credit Services is an organization of Christian credit counselors who provide confidential biblical Christian debt counseling help for individuals and families who have found themselves in financial crisis. Family Life Credit Services helps these people by analyzing their budget, discussing all the options they have including self payment, debt consolidation program, bankruptcy, personal loans, etc. They do all of this without making any personal judgments about clients the circumstances leading up to their situation. Family Life is not a loan company, nor do they file bankruptcy claims.

All of the counselors at Family Life Credit Services are certified through an independent agency and are required to complete 20 continuing education hours every two years. All of their counselors are highly compassionate and understand that during life’s journey, people often travel through some rough patches. They understand that although some of these rough patches are self-inflicted, other circumstances are completely out of anyone’s control. Many of Family Life’s credit counselors have been there shoes before and they know what it’s like to have creditors calling. Through their own experiences and their education, one can be sure that they will listen and do what they can to offer assistance, relief, and direction.

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Freedom Hawk Fishing Kayaks

Newburyport, MA (PRWEB) May 09, 2012

Retail Move Brings Patented Stand-Up Fishing Kayaks to Eastern Canada

A new international retail partnership has introduced stand-up kayaking and patented stand-up fishing kayaks to Canada. Freedom Hawk Kayaks and SAIL Outdoors Inc., have joined forces to introduce the award-winning Pathfinder and other Freedom Hawk angling kayaks to SAIL retail locations in Eastern Canada. The unique line of river and saltwater kayaks features a patented outrigger system that enables anglers and hunters to stand safely and comfortably with superior sight.

“SAIL is delighted to carry Freedom Hawk Kayaks in our stores here in Canada,” said SAIL Buyer Nicolas Brisson, paddle sports and fishing products. “The Canadian outdoor consumer is an excellent market for these unique open water kayaking products.”

“Our company is excited about international growth and the strategic partnership with SAIL, one of Canada’s leading retailers in the outdoor equipment space,” said Freedom Hawk President David Hadden. “We make the best fishing kayaks in the world, and when it comes to camping, hunting, and fishing, we can think of no better place for our products than in the rivers, lakes, and coastlines of Canada.”

Freedom Hawk’s Pathfinder kayak received a 2012 Editor’s Choice Award from Fly Fish America. The kayak outriggers’ boats all offer exclusive benefits: a patented outrigger system that features two levers conveniently located on either side of the boat’s hull to open the rear outriggers so users can enjoy stability for stand up fishing and polling; a retractable casting brace that enables hunters and fishermen to stand up with complete confidence; an optional kayak motor mount that permits quick installation to transform the Pathfinder into a motorized kayak.

About SAIL Outdoors Inc.

SAIL, a company founded more than 40 years ago, is managed from its head office in Laval, Quebec. SAIL stores can be presently found in Beloeil, Brossard, Laval, Oshawa, Ottawa, Quebec City and Vaughan. Currently offering the largest network of outdoor, camping, hunting and fishing stores in Eastern Canada, SAIL intends to pursue its development plans by opening additional stores in Quebec and Ontario in the near future. For more information, visit http://www.sail.ca/.

About Freedom Hawk Kayaks

Freedom Hawk Kayaks manufactures the finest kayaks for fishing in the world. Made in the United States with a patented outrigger system, Freedom Hawk’s angling kayaks, including the Pathfinder, Freedom 14, Freedom 12, and Freedom 12 Ultralight models, are specially designed for stand-up kayak fishing enthusiasts who want to stand safely and comfortably. For more information and sales, visit http://www.freedomhawkkayaks.com.

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

New York, NY (PRWEB) May 08, 2012

The Biz2Credit Small Business Lending Index, an analysis of 1,000 loan applications on Biz2credit.com, found that loan approvals by big banks dropped from 10.9% in March to 10.6% in April and from the 11.6% approval rate last March. Additionally, small bank lending fell from 47.6% in March to 45.9% in April 2012.

Loan approvals made by credit unions decreased by 0.5% to 46.6% at a time when they are making a push to increase the lending limit to 27.5% of their assets. Alternate lenders remained flat as lower interest rate products have increasingly been introduced into the marketplace.

Another sign of the slowing economy is that the overall demand for small business loans in April was down by 5.4% , slipping for the first time in a year. Further, the 12-month window for SBA’s enhanced 90% loan guarantees concluded, which slowed SBA lending activity reported by banks that make SBA-backed loans. Additionally, the guarantee fee (usually 1-3 % of the loan amount) was no longer waived, which increases the cost of taking out a loan.

“The 90% guarantee fee in place for loan approvals granted between Sept 2010 to March 2011 were valid for 12 months. April 2012 was the first month of 75% guarantees combined with assessment of the 1-3% fee, explained Rohit Arora, CEO of Biz2Credit, who oversaw the research. “This played a big part in the drop in loan demand and the reduced willingness of banks to grant funding requests.”

“The disappointing April jobs report in which only 115,000 new jobs were created, and when the expectation was much higher, is an indication that the economy is slowing down. High oil prices as well as the European crisis intensifying have combined to cause both borrowers and lenders to proceed with caution,” Arora added. ” The flow of capital may be slowing, which is a cause of concern.”

Of all the categories of small business lenders, credit unions and alternative lenders (accounts receivable financers, merchant cash advance lenders, Community Development Financial Institutions (CDFI), micro lenders, and others) approve more than 50% of loan requests. Small bank lending dropped to its lowest level since September 2011. Big banks, still tight in their loan parameters, reject almost 9 out of 10 small business loan requests.

Biz2Credit’s analysis also found that loan request amounts ranged from $ 25,000 to $ 3 million; that the average credit score was above 680, and that average-time-in-business was slightly more than two years.

Unlike other surveys, the results are based on primary data submitted by more than 1,000 small business owners who applied for funding on Biz2Credit’s online lending platform.

About the Biz2Credit Small Business Lending Index

The Biz2Credit Small Business Lending Index differs from other indices by analyzing required information (primary data) submitted by small business owners applying for financing through Biz2Credit’s online platform, which connects borrowers with more than 1,100 lenders nationwide.

About Biz2Credit

Founded in 2007, Biz2Credit is a leading credit marketplace connecting small- and medium-sized businesses with lenders, service providers, and complementary business tools. The company matches borrowers to financial institutions based on business’ unique profile — completed in less than four minutes — in a safe, efficient, price-transparent environment. Biz2Credit’s network consists of 1.6 million users, 1,100+ lenders, credit rating agencies such as D&B and Equifax, and small business service providers including CPAs and lawyers. Having secured more than $ 550 million in funding throughout the U.S., Biz2Credit is widely recognized as the #1 online credit resource for small businesses.

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