Keeping Teen Drivers Safe

Travelers is Committed to Keeping Teen Drivers Safe

Rob Willsey, Travelers Personal Insurance Research, Serving on Conn. Governor's Teen Driving Task Force

HARTFORD, Conn.--March 31, 2008--Motor vehicle crashes are the leading cause of death for U.S. teens. With the high number of teen driving deaths, keeping teen drivers safe is a priority for Travelers. Through the appointment of Rob Willsey, second vice president, Travelers Personal Insurance Research, to the Connecticut Governor's Teen Driving Task Force, the company is actively involved in improving the state's teen driving legislation. Willsey is joined on the task force by representatives from government, law enforcement, medicine, driver education and school administration as well as parents who have lost teen drivers in fatal accidents.

"At Travelers, our business is understanding the nature of risk and helping our customers stay safe," says Willsey. "I'm committed to helping the task force develop effective strategies to control the risks that accompany teen driving and implementing legislation that will save teen lives."

Travelers has been long dedicated to educating the public on safe driving. The company has partnered with Connecticut Public Television to fund several documentaries on safe driving, most recently "Teens Behind the Wheel." The documentary is a valuable resource to open a dialogue between parents and teens about risky driving behavior as well as a tool for teens to improve their driving skills.

"Having Rob on the task force has been an asset. He brings a real-world perspective about the nature of risks and how they are measured," says Robert M. Ward, Commissioner of the state Department of Motor Vehicles. "He has provided insight to the many discussions we've had about risks and teens."

The task force was formed last year following a surge of accident-related teen deaths. Willsey and the task force have been charged with examining laws related to teen driving and developing new ways to raise awareness among teens and their parents about critical safety issues. Specifically, the group is re-examining penalties associated with violations with which teens are frequently charged; creating partnerships statewide to broadcast the message of teen driving safety to both parents and teens; and developing a framework for making the new strategies work effectively. Recommendations are due to Governor Rell in May.

For more information about the Connecticut Governor's Teen Driving Task Force, visit www.ct.gov/teendriving. For more information about Travelers, visit www.travelers.com.

About Travelers

Travelers understands that life and business are inherently dynamic and that the best way to serve agents, brokers and policyholders is to deliver insurance that evolves to stay in-synch with life and business as they change. For more information on being in-synch, visit www.travelers.com.

The Travelers Companies, Inc. (NYSE: TRV) is a leading property casualty insurer selling primarily through independent agents and brokers. The company's diverse business lines offer its global customers a wide range of coverage in both the personal and commercial settings, including automobile, homeowners, construction, small business, oil and gas, ocean marine, surety and management liability, global technology and public sector services. Travelers is a Fortune 100 company, with 2007 revenues of $26 billion and total assets of $115 billion. The company has approximately 33,000 employees.

Contacts

Travelers
Media Contacts:
Erin Haberman, 860-277-7461
or
Matt Bordonaro, 860-277-7014

Purchasing Card Programs Value Extended With Payment Plus

Payment Plus Introduced at U.S. Bank Conference

Financial Supply Chain Conference

MINNEAPOLIS-- March 27, 2008 --U.S. Bank Corporate Payment Systems has introduced U.S. Bank Access® Online Payment Plus. The new product was introduced to treasury managers, corporate controllers and purchasing card program managers at the Financial Supply Chain Conference in Anaheim, Calif. March 4-6. Attendees responded favorably to the new product launch, which included presentations by Kris Koch of Genuine Parts Company, one of the first U.S. Bank clients to implement the product.

Koch presented the results of his beta test of the product, which included only the SP Richards division of Genuine Parts. During his presentation, Koch noted that "We were looking for a way to increase control with vendors where we make infrequent, high dollar purchases, while maintaining the data and process integrity of our AP system. Payment Plus gives us all that capability as well as easy reconciliation." Koch estimates that total transactions through Payment Plus will increase to at least $50 million in 2008. The company plans to expand the program to remaining Genuine Parts subsidiaries.

Payment Plus extends the value of purchasing card programs by allowing organizations to further automate their accounts payable business processes through diminishing paper, increasing controls, reducing risk and facilitating working capital optimization. Payment Plus accommodates payment for purchases with high control requirements such as purchase orders, receipts and invoices. Payment Plus leverages existing client systems (such as order, receipt, inventory, fixed assets, accounts payable, etc.) to generate approved payments that may then be placed on purchasing card accounts.

"This is a natural extension of the commercial payment products we currently bring to our clients," said Jeff Pape, senior vice president of product management for U.S. Bank Corporate Payment Systems. "Our integration of this product within our existing electronic access tool allows for straight through processing and automated supplier notification, a distinct advantage over our competitors, and one that our clients have been very quick to recognize and embrace."

U.S. Bank has processed hundreds of payment instruction files through Payment Plus, including the largest single transaction of $1.55 million.

U.S. Bancorp (NYSE: USB), with $238 billion in assets, is the parent company of U.S. Bank, the 6th largest commercial bank in the United States. The company operates 2,518 banking offices and 4,867 ATMs, and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. Visit U.S. Bancorp on the web at www.usbank.com.

Contacts

U.S. Bank Media Relations
Teri Charest, 612-303-0732

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Using credit cards for purchases is great as long as you are careful about credit card security. When purchasing from a web site for the first time it is better to use a Gold Credit Card or Platinum Credit Card because of the increased security.

MVP Financial Services Chooses Settlements for Life

Settlements for Life Selected Life Settlement Broker of Choice for MVP Financial Services; Company Partner, Jim Chrisler Comments, 'SFL Has Given MVP Financial the Feeling of True Partnership'

MVP Financial Services announced today that it has selected Settlements For Life as its broker of choice for all life settlement transactions. This rewarding product will be marketed immediately to all of MVP's producers.

Memphis, TN  -  March 18, 2008 -- MVP Financial Services announced today that it has selected Settlements For Life, as its broker of choice for all life settlement transactions. This rewarding product will be marketed immediately to all of MVP's producers.    

About MVP Financial
MVP Financial Services is a leading financial brokerage company, offering life insurance, long term care, annuities and disability through its extensive list of top producers and financial advisors. According to Jim Chrisler, company partner, adding life settlements, to the existing product portfolio is long overdue.

Commenting on the new partnership with Settlements For Life he adds: "MVP has always viewed life settlements from afar. In the past, we have been concerned with the industry players. Our primary goal is to present honest and forthright advice regarding the sale of life insurance through our producers and financial advisors. We have interviewed numerous firms, asking questions about their experience, their professionalism and their honesty.

Settlements For Life has given MVP the feeling of true partnership. Their desire, flexibility and enthusiasm for training MVP's customer relationship representatives and producers were paramount in choosing the right settlement company. In addition, Settlements For Life offers MVP the ability to review the market place quickly, evaluating actual policies that clients are considering lapsing, and through their expertise, we save both time and money."

About Settlements For Life
Founded in 2003 by a CPA with 25 years of public practice experience, Settlements For Life, LLC is one of the most experienced brokers in the life settlement industry. As a leader among national life settlement brokers, Settlements For Life is often the first choice when it comes to managing a senior client's life settlement needs. This is due to their reputation for integrity, transparency and diligence in representing the client's needs.

David Pryor, Regional Vice President for Settlements For Life comments: "It's fantastic to see more companies adding life settlements to their product portfolio. We are extremely excited and look forward to a long and prosperous working relationship with MVP Financial Services."
If you are an agent or producer in need of life settlement support, the experts at Settlements For Life will educate you on:

• The current market for life settlements
• When it is appropriate to use a life settlement
• Which of your clients would qualify for a life settlement
• How to know that you are getting the best deal for your clients

For more information on life settlements, contact Mr. Pryor or a representative at Settlements For Life:

Phone: 901-683-5558
Email: info @ settlementsforlife.com

Press Contact: David Pryor
Company Name: Settlements For Life
Phone: 877-588-5558
Website: www.settlementsforlife.com

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 Today, there is a growing market for those wishing to buy structured settlements as an investment. Those that would like to sell structured settlements are finding buyers looking for settlement factoring easy to find. 

Apply For Your Own Credit Card Online

Build Your Own Credit Card Offer Then Apply for it Online

The redesigned search engine at www.FastCreditCardOffer.com now allows consumers to build their ideal credit card and compare only the card offers that match every one of their personal requirements. This new method of shopping for credit cards online has proven to be faster and less frustrating than the more traditional way of browsing credit cards by category.

San Antonio, Texas  -  September 12  - FastCreditCardOffer.com recently redesigned their search engine to give credit card seekers more control over the cards they are shown. Visitors now have the ability to build their ideal credit card and compare only the card offers that are a perfect match. This new search method saves both time and frustration by automatically filtering out unwanted offers.

Previously, credit card offers could only be browsed by category and while that method of credit card shopping is still popular it can be time consuming to sort through the details of each offer. "We wanted to give our visitors a faster way to get what they want," said Brandi Young, the founder of FastCreditCardOffer.com.

Faster indeed. Katherine Dietz, a diehard internet user that admits to shopping for just about everything online, took a test-run of FastCreditCardOffer.com's search page and was presented with 4 card offers that did in fact have every feature she had entered. At that point it was just a matter of reading the highlights of each credit card offer before selecting her favorite and clicking over to an online application. "I just entered a few particulars that are important to me and I got a list of credit card offers that met all of what I entered."

Katherine's co-worker, Paul, also tried the new search engine stating, "It's like building my own credit card with the exact terms I want and finding out instantly if such a card exists. I switch credit cards every 6 months to a year and this was the first time I felt certain I was getting the best credit card available."

When asked why the new search form is so successful, Brandi explained, "It's hard to beat a credit card offer you build yourself. I think as long as we keep looking for new ways to help our visitors find exactly what they want they will keep recommending FastCreditCardOffer.com as a valuable resource."

FastCreditCardOffer.com has also revamped the way search results are ranked. Credit card offers with more of the most commonly desired features rank higher and will show up at the top of the list. The goal of the new ranking system is to give visitors more than they expect by presenting the best credit card offers first.

FastCreditCardOffer.com is a website originally established to provide an alternative to the paper credit card offers that come in the mail by giving consumers a way to find even better credit card offers online. To try the improved credit card search engine visit http://www.fastcreditcardoffer.com/credit-card-search.aspx.

Contact:
Brandi Young, FastCreditCardOffer.com
http://www.fastcreditcardoffer.com


Press Contact: Brandi Young
Company Name: FastCreditCardOffer.com
Phone: 8306080522
Website: http://www.fastcreditcardoffer.com/credit-card-search.aspx

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If you have any money left over after paying off
your credit cards, you should consider putting 
the funds into an individual retirement account. 

Home Loan Expert Says Getting Home Loan Not Impossible

Getting a Home Loan is Not Impossible Says a Home Loan Expert; and Don't be Frightened by What You Read and Hear

Despite the grim news you hear and read daily about the mortgage crisis, obtaining a home loan to purchase or refinance a home is still possible, says a home loan expert.

Studio City, CA  -  September 27 -- Despite the grim news you hear and read daily about the mortgage crisis, obtaining a home loan to purchase or refinance a home is still possible, says a home loan expert.

These powerful words come from Victor Benoun, mortgage broker veteran and President of The Mortgage Source, Inc.

"If you pick up a newspaper or turn on the television, you are overwhelmed with bad news about purchasing and financing a home," Benoun says.

He goes on to say that as many as 2 million current homeowners with adjustable rate mortgages need to refinance but have done nothing, because they are confused.

"I think a lot of people want to refinance their home loans but just don't know what to do. The fact of the matter that lenders are still lending. Some larger mortgage companies have been hurt by the mortgage meltdown,and that's what you are hearing so much about, but that does not mean the consumer can't get a home loan and at a great rate."

Benoun is available for comment on:

*What caused the mortgage meltdown
*What programs have been changed or eliminated
*How to guarantee a smooth transaction
*What documentation is required

Based in Studio City, CA, Victor Benoun is President of The Mortgage Source, Inc., and 27 year mortgage professional and author of, "Your Castle No Hassle, How To Buy A Home, Get A Good Mortgage...And Keep Your Sense of Humor."

Press Contact: VICTOR BENOUN
Company Name: The Mortgage Source, Inc.
Phone: 818-784-1900
Website: www.yourcastlenohassle.com

Phone Calling Card Rates Under 1 Cent Per Minute!

New International Phone Cards are cheap and reliable. We've been using 3 different phone cards from Big-Zoo.us for about 3 years now. The service and features have be great and I never think about how much it's costing me to call a client or a tech support line. On hold for 15 minutes? Well that's still annoying, but at least I don't have to pay $5-$10 anymore. My calling rates for domestic US calls are about 3 cents a minute I think, and they have cards now that are as low as 1 cent a minute. Often if you put $20 or more in a card you get a discount so your cost is even lower. http://www.big-zoo.us/

 

We just started using the Champion phone card because it includes a free 800-Number that I can use for my business. Non-US companies can get one of these cards, program it to call their office, and just like that they have a Toll Free Number in the US to give their customers. Calling rates vary by country, but most are very low compared to other services. Don't let the way they display prices fool you. When you see a cost of 0.90 ¢/min, it looks like 90 cents, but it's real .9 cent, or less than one cent per minute. Yeah, that's cheap!

 

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You don't have a cell phone or mobile phone, but you want one. Well now's the time because they are cheaper and better than ever. Check out http://www.cellphones-resource.info/ and find a great deal.

 

I can't believe that email has to suck so bad because of spam! Why can't something be done to keep spammers out and still have email be useful and easy to use? Controlled Access Email thinks they may have the answer...!

 

Domainers are controlling more and more domain names everyday. Is there anything that can be done and are we running out of domain names? Do we need something better than what ICANN offers today?

Best Secured Loan Finance Deals

Longdog Finance Offering Best Secured Loans Deals

Despite severe economic conditions prevailing in the United Kingdom making all lenders stiffen their lendings, Longdog Finance, a leading name in the loan packagers, is making all efforts in setting forth an affordable secured loan deal with their hand-pick incentive on loan completion. Following an adept and professional marketing strategies, this company is known for their array of loan solutions clubbed with their fabulous incentives.

Watford, UK  -  September 27 -- A serious crisis is brewing among the United Kingdom over the issue of increase in the interest rate. In the past eleven months, UK has witnessed five-time increase in the base rate, thereby, making loans a costly affair. With experts having their say on this trend, the debate has become a mixture of varied opinions. Some experts opine that there may be another hike in the base rate by the end of this year to control inflation while some assert that the Bank of England may not increase the base rate further as the Consumer Price Index has fallen down to 1.8% in the month of August touching the lowest level in more than a year.

On account of this economic upheaval, many lenders have tightened up their loan terms and conditions. During this peak time where most of the lenders have started providing only 80% of the equity value, Longdog Finance, a leading name in the loan providers, is making full efforts in working out an affordable and cheap loan deal at a higher loan-to-value percentage from their lenders.

"Longdog Finance, an online brand of Shakespeare Finance Ltd., became a secured loan packager in March, 2007 and since then has been offering affordable loan plans with effusive incentives for customers belonging to different profiles." They aim to expand their customer-based network from prime, near prime, sub-prime to heavy adverse by providing them with their best loan deals.

With a wide network of their lenders, they are focusing on entertaining every potential customer, irrespective of their financial circumstances. They have set forth a prodigal proposition boasting about no payment for six months, depending upon case to case. Keeping in mind the present structure of the economy and its residents, Longdog Finance decided to formulate such an offer. Their secured loans start with an interest rate of 6.7% which is highly competitive in the loan market. The most attractive streak of their proposal is that they make good comparison of different UK loan plans to offer the cheapest loan package suited to their customer's circumstances.

Longdog Finance has expanded its web of secured loans package by providing solutions for people with adverse credits as well. Using the available equity on their homes, the best solution for them is the consolidation of loans which the company is offering with flexible mode of repayments. Not even secured loans, they have great deals on unsecured loans as well. For entrenching a mark in the loan market, they have introduced an incentive of £100 gift voucher along with secured loans which can be used on purchasing electrical goods, jewellery, phones, gift items, furniture and many more.

Speaking on this note, the Manager of Sales and Marketing, Sarah Dubey asserted," Our prime focus is on building a good rapport with the customers. We make full efforts in devising a right plan for them by understanding their present situations and requirements."

Longdog Finance has been able to bridge the gap between their lenders and the potential customers. Their highly skilled team works with a mission of providing the best loans to their customers with fast processing and good incentives.

Press Contact: Sarah Dubey
Company Name: Shakespeare Finance Ltd.
Phone: 0800 097 3653
Website: http://www.longdogfinance.co.uk/

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 Consolidation  Loan  Program  Student

Newest Cell Phones and Cell Phone Accessories

WirelessGalaxy.com Adds newest Cell Phones and Cell Phone Accessories to its September Online Catalog

Wirelessgalaxy.com's IT team releases a new content management system (CMS) in August. The new CMS system is assisting the product developers to keep the online catalog up-to-date with the latest products. WirelessGalaxy.com has also released a new AVR system to better manage the toll free call volume for its Call Center.

Houston, TX  -  September 6 -- WirelessGalaxy.com off-line support through its toll free number (1800.569.8486) gets a lot of thank yous from online buyers who need an off-line assurance that the gadget that they are purchasing online, in fact will work for them. Wirelessgalaxy recently upgraded its AVR system through a local vendor.

"The customer response has been great", claims SSR Team lead, Keshia Hunter who agrees that the new televantage AVR has helped in managing the in-house call volume for sales and support.

Wirelessgalaxy IT team also released a new content management system in August of 2007 that has assisted the product developers to keep the online catalog up-to-date with the latest products. The newest list of cellular phones and cellular phone accessories added to wirelessgalaxy.com's catalog are listed below.

AT&T Cell Phones: Nokia N95, Nokia N72 in Pink and Black colors, Sony Ericsson S500i, Motorola RAZR Red, Motorola L6 Quad band, Motorola MPX220 Refurbished, Motorola V600 and Motorola V551.

T-mobile cell phones: Nokia 6030, Sony Ericsson W880i, Nokia E90, HTC Touch, Motorola RAZR2 V8, Motorola RIZR Z3, Samsung SGH-D807, Motorola KRZR K1 - Blue/Black/Red, LG MG320 Aegis, Motorola A1200 - Black and more.

Verizon Wireless Cellular Phones without contract; simply buy and add it to your account: LG VX4650, Samsung SCH-A670 - Reconditioned, LG VX5200, LG VX9800, Motorola RAZR V3c, and Audiovox 8910 - Reconditioned
Sprint Cellular Phones without contract, simply buy and add it to your account: Sanyo SCP200 Pink, LG VI5225 and Motorola RAZR V3m Red.
New Introduction of Cricket Cell Phones to WirelessGalaxy.com's Catalog: Sanyo SCP-6600 Katana - Black for Cricket and Palm Treo 600 Refurbished Programmed for Cricket are the best selling phones on cricket services nationwide.

List of popular unlocked world phones: Motorola KRZR K1 - Gold, LG KE850 Prada, Nokia 6300, Motorola RAZR V3x, Samsung SGH-P310, Nokia 9300, LG KG800 Chocolate - Red, Motorola PEBL U6, Panasonic GD55, Samsung SGH-X520 and Nokia 8600 Luna

New Cell Phone Accessories listed for the following Phones: HTC Mogul PPC6800 Accessories title HTC Mogul PPC6800, Blackberry Curve 8300 accessories, LG Chocolate VX8550 accessories, Motorola Razr2 V9m (Sprint) accessories, Samsung Blackjack i607 accessories, Blackberry 8830 accessories, Kyocera Strobe accessories, Motorola RIZR Z3 accessories, UTStarcom XV6700 accessories, Treo 755 accessories and Motorola Q9m accessories.

Most popular Bluetooth headsets for the month of September: Jawbone, Motorola H800, Motorola H700, Motorola Stereo Headset S9 and Motorola's smallest headset H9 WirelessGalaxy.com's product development team is currently working hard on the newest list of designer pouches available for the masses. Media questions can be directed to Shahbaz Khan at 713.782.1716 x111

Press Contact: Shahbaz Khan
Company Name: WirelessGalaxy.com Inc.
Phone: 713-782-1716 111
Website: www.wirelessgalaxy.com

Text Interactive Video Game for Mobile Carriers

Mobile LifeStyles LLC Launches 1st Text Interactive Video Game for Mobile Carriers

Mobile carriers and cable operators will be able to offer the 1st Text Interactive Video Trivia Game for cell phones from their own servers. "The Wisdom Series" interactive is produced and distributed by SOFTLoads.biz a brand of the putitonmycellphone.com family.

Los Angeles, CA (PRWEB) September 19, 2007 -- Mobile carriers and cable operators will be able to offer the 1st Text Interactive Video Game for cell phones from their own servers. "The Wisdom Series" interactive is produced and distributed by SOFTLoads.biz a brand of the putitonmycellphone.com family.

Mobile LifeStyles LLC has produced thousands of video trivia game files made specifically for the very small screen typical to mobile devices. Players can see the game rounds from their mobile phones or anywhere there is Internet access. Players "text" their answers immediately following a game round to win cash and prizes sponsored by carriers.

Max Davis, the creator of The Wisdom Series said from his Woodland Hills, California offices, "We are very pleased with the outcome of our first text interactive mobile application. People love to play games of skill and win money. We offer a way to expand your knowledge of the world and at the same time entertain yourself on the go. Winning cash and prizes along the way is the icing on the cake. Carriers will benefit from the positive impact on ARPU and by offering the subscription model. Advertisers will benefit from the many opportunities available to inform the public with "facts" about their products. I predict The Wisdom Series interactive will be wildly popular with mobile users and the Internet community in general." Mo Bull? or, Mo Fact?

J Rekk aka Jeremy Dickson will be in charge of production effective immediately. Most Mobile LifeStyle LLC voiceovers are done by J Rekk, a popular southern California MC and Producer for putitonmycellphone.com. J Rekk said from his Los Angeles studio, "We use the video and music as learning references for the facts. When you associate what you are learning with a visual and music you are more likely to retain. Our testing shows that people of all walks of life are crazy about this game." Mo Bull or Mo Fact?

The actual downloads will be available from a carrier's servers as well as DigiPie.com, Brightcove and iTunes to start. The 2 minute game rounds can be broadcast as often as the public demands. Carriers are welcome to apply for liceneses now.

About Mobile LifeStyles LLC
Established in 2007, Mobile LifeStyles LLC is on a mission to produce and sell creative video clips made specifically for cell phones and other mobile devices like iPods and Sony Playstations. With thousands of clips about to be released under the xxXLoads, SoftLoads and LaffLoads brands, putitonmycellphone.com is committed to creating and distributing a variety of unique digital content for worldwide consumption. For more information visit http://putitonmycellphone.com or email carrieractivations (at) softloads.biz.


Press Contact: MAX DAVIS
Company Name: Mobile LifeStyles LLC
Phone: 8187131510
Website: softloads.biz

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 Ecommerce  Credit  Card  Processing

Economic Depression Likely

Survey Shows Economic Depression Likely

The majority of Americans believe the U.S. economy is headed for an economic depression, according to a new survey by Housing Predictor.

Destin, FL  -  February 25, 2008 -- A majority of Americans surveyed believe the U.S. economy will fall into an economic depression, according to a new opinion poll conducted by Housing Predictor.

The online survey found that a slight majority surveyed expect the nation's economy to develop into a depression. Housing Predictor regularly surveys visitors to its web site on real estate related issues, including the economy, and provides more than 250 local housing market forecasts in all 50 U.S. states.

The survey comes at a time when the majority of the nation's housing markets are in the midst of the worst slowdown since the Great Depression. Sales of homes and other properties are at the slowest volume in years in what has developed into a national real estate recession.

Foreclosures have reached all-time record levels as a result of the credit crunch and increasing signs that the nation has fallen into a full-fledged recession, including higher unemployment and worsening consumer confidence.

More than two million homes throughout the nation have already been foreclosed as a result of the nation's financial crisis, and higher mortgage payments home owners are unable to afford. The foreclosure rate has doubled and is forecast to worsen over the next few years.

The real estate crisis has sent shock waves through Wall Street and other financial markets, sending the nation's economy on a downward spiral. The White House and Congress are working on plans to help some home owners, but are clearly unable to act fast enough to help many consumers.

Housing Predictor forecasts that foreclosures will top 5.6 million units through 2011.

The crisis has broad implications for the national economy. Consumers are already feeling the pinch at the grocery store with higher prices for food and other products and at the gas station with higher fuel prices. Economists are growing with increasing concern over the economy, which could see the worst economic crisis since the Great Depression.

To find out more about the survey, check your markets real estate forecast and search foreclosures visit http://www.housingpredictor.com


Press Contact: Mike Colpitts
Company Name: Housing Predictor
Phone: 850 622-1016
Website: http://www.housingpredictor.com