College Students Save Money Trading Textbooks with The Barter System

(PRWEB) AUGUST 20, 2015
The Barter System (http://www.thebartersystemexchange.com) seems to be the next big thing on college campuses. Book prices have been rising consistently in recent years and student demand for change has risen along with it. The website tags itself the College Textbook community, exchange zone, and marketplace designed to save students money. From the looks of it, it seems to be just that. The website features a database of millions of books from which users can select.
Most students agree that textbooks are way too expensive and the buyback prices are laughable considering the prices that students pay for them. The Barter System offers a completely new way for students to get their textbooks for the upcoming semester, Textbook Trading. While students have always sought out new ways to save money, there has never been a medium as dedicated to this as The Barter System. Students list the books they have and the books they need on the site and watch their matches roll in. After students are matched, they have the option to accept or decline the match based on their desired book’s condition, matched user’s rating, and distance. After the match is accepted students can decide whether to do a local exchange or ship books to one another. If students use the Barter System they could potentially save hundreds of dollars each semester on the cost of textbooks.
Outlined in lavender, grey, and white the website’s subtle yet bold aura is sure to be a hit with college students. The Barter System is a first in class network that has the makings of something big. There is even a marketplace where users can buy directly from students to get the best deals possible. All of the trading on the site is done via accepting matches found automatically using The Barter System’s Magic Match technology. The Barter System is also currently advertising a promotion on their instagram page where one lucky student will win $1000. Any college student desiring to save hundreds of dollars each semester should sign up for The Barter System right away.
For additional information about The Barter System contact David Speyer questions(at)thebartersystemexchange(dot)com

The Krazy Coupon Lady Launches Real-Time Savings App Powered by Real Couponers, Making Couponing a Whole Lot Easier

(PRWEB) AUGUST 20, 2015
The Krazy Coupon Lady the leading online destination and resource for couponing, deals, and the cost-cutting advice of founders and money-saving experts Heather Wheeler and Joanie Demer, today announced the debut of the Krazy Coupon Lady app (http://app.thekrazycouponlady.com). The newest way to save from the Krazy Coupon Lady empire, the app makes it even easier and faster for consumers to access up-to-the-minute offers, discounts and deals at their favorite stores.
Built to streamline the cost-cutting process in a hyper-local environment for “krazy smart savings,” the app is fueled by couponing experts and a highly engaged community, resulting in the only app to offer hand-selected, custom-curated coupons and deals for the products women buy everyday. Users can search for deals and stores by geolocation, sort offers by store, create strategic shopping lists, and save deals for future use. The app also syncs with PC’s and saves across multiple devices for a seamless experience.
“The Krazy Coupon Lady app is the simply the easiest and most convenient way to find the best coupons, in real-time,” said Wheeler. Added Demer, “We are thrilled to expand The Krazy Coupon Lady into the mobile culture.”
In addition to coupons, the app offers rich content such as daily tips, tricks, videos and in-store savings strategies from Demer and Wheeler. Users can also post brags – pictures and details of their own saving triumphs to share with the KCL community. “Because,” Wheeler said, “The only thing we like better than getting a deal is bragging about it afterward.”
The go-to resource for “krazy savings,” Krazy Coupon Lady.com garners 17M+ visits per month, with over 600K email subscribers to date. Other current stats include 1.3M followers on Facebook, 62K followers on Twitter, 94K followers Pinterest, 83K subscribers on Youtube, and 46K followers on Instagram. Wheeler and Demer are co-authors of the book, Pick Another Checkout Lane, Honey, which was released in 2012 and remains a bestseller. They are frequently tapped to contribute to top-tier publications such as People StyleWatch, All You, Parenting, First For Women, and Better Homes & Gardens and on broadcasts including Good Morning America, Queen Latifah, ABC’s The Lookout, Marie, CNN Headline News, Jeff Probst, Fox, Martha Stewart, E! News, Nate Berkus,The Early Show, and The Today Show.
The Krazy Coupon Lady app is being featured in the App store. It can be downloaded for free in the App store now. Visit http://www.TheKrazyCouponLady.com for more information.

OH Business Owners Are Switching To EzPaycheck Software For New Payroll Tax Reporting Feature

CINCINNATI, OH (PRWEB) AUGUST 20, 2015
The latest release of ezPaycheck software gives Ohio businesses more control on payroll processing. Customers save money using ezPaycheck software with a new report for payroll tax deposit and Miscellaneous check printing for bill pay. Developers at Halfpricesoft.com have created this software so that any business owners can process payroll without hiring an accountant.
“ezPaycheck software is offering a new payroll reporting deposit feature for business owner accommodation,” explains Dr. Ge, President and Founder of halfpricesoft.com.
ezPaycheck payroll software is compatible with Windows 98, 2000 XP, 2003, Vista, 7, 8, 8.1, 10 and .Net Framework v2.0 or later. Download and test it at http://www.halfpricesoft.com/index.asp.
EzPaycheck business payroll software is an innovative application catering to small and mid size business owners new to payroll processing. The easy to use and inexpensive graphical interface allows customers to print paychecks as well as W2, W3, 940, 941 forms all within one software application.
The main features include but are not limited to:
Offers free customer support for software
No extra charge for updates for the software within the purchased calendar year subscription
Supports payment of hourly, salary, night shift, by piece, by load, or by mileage rates for employees.
Supports daily, weekly, biweekly, semimonthly and monthly payroll periods. Features report functions, print functions, and pay stub functions.
Prints miscellaneous checks as well as payroll calculation checks.
Prints payroll checks on blank computer checks or preprinted checks.
Automatically calculates federal withholding tax, social security, medicare tax and employer unemployment taxes
Includes built-in tax tables for all 50 states and the District of Columbia
Creates and maintains payrolls for multiple companies, and does it simultaneously
Prints Tax Forms 940, 941, W-2 and W-3
Supports multiple accounts at no additional charge
Supports network access
Ohio business customers can simplify payroll processing at a less expensive cost with ezPaycheck payroll software. Get details at http://www.halfpricesoft.com/payroll_software_download.asp and download the payroll accounting software. The download includes the full version of the paycheck software along with a sample database. There is no cost or obligation to test drive this software for 30 days.
About Halfpricesoft.com
Halfpricesoft.com is a leading provider of small business software, including payroll software, employee attendance tracking software, accounting software, check printing software, W2, software, 1099 software, and ezACH direct deposit software. Software from halfpricesoft.com is trusted by thousands of customers and will help small business owners simplify their payroll processing and business management.

American Consumer Credit Counseling Provide California Residents with 5 Ways to Survive High Cost of Living

BOSTON, MA (PRWEB) AUGUST 20, 2015
With rising gas prices, taxes, and one of the highest unemployment rates in the Nation, the cost of living in California has made it extremely difficult for the average resident to pay bills on time. That’s why, this summer, American Consumer Credit Counseling is offering financially smart ways to survive California’s rising cost of living.
California was recently ranked the sixth worst place to make a living in the country by Money-Rates.com. Despite a median income of $27,749, higher than many other parts of the nation, that average wage is negated by high taxes and cost of living. On top of that, the unemployment rate and the frequency of workplace safety incidents are both higher in California than the national average.
The Golden State has also struggled with an ongoing drought, which has made fresh fruit and produce prices skyrocket. In addition, a recent study shows that California has the highest gas prices in the nation. The state was paying an average of $3.88 in the last week of July and some areas of Los Angeles were paying over $5.00 a gallon.
“With high taxes, grocery prices, and gas, California residents must prepare a budget and cut back on unnecessary expenses that will break the bank,” said Steven Trumble, President and CEO of Newton-based American Consumer Credit Counseling. “It takes commitment and time, but you can learn to manage your money even when there’s not much of it.”
Here is a list of tips to keep your head above the water even with rising prices:
1. Assess Your Financial Situation: Make sure you are not spending more than what’s coming in. If this is the case, make a plan to spend less or earn more. To figure out how to do this, first take an assessment of your income and expenses. This will help you develop a reasonable and realistic budget.
2. Cut Back Your Spending: Eliminate unnecessary monthly expenses that you can live without. Whether it is unlimited texting, a Netflix membership, or even a cable subscription, cut the costs that are not essential to living and substitute it with another pastime.
3. Save For Emergencies- Build an emergency fund to avoid having to take loans to pay for unexpected purchases. You never know when an accident or injury can occur, so save wisely.
4. Stretch Your Meals- Peanut butter, frozen vegetables, and beans are all foods that fill you longer than other foods. Check out the New York Daily News list of foods to buy when you are broke.
5. Do It Yourself- Instead of paying extra for services, learn how to do it yourself at home. One of the best ways to cut costs is to learn to do things yourself rather than paying for them. Instead of fast food, make your own dinner. Instead of paying for an oil change, learn how to do it on your own.
ACCC is a 501(c)3 organization that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:
For credit counseling, call 800-769-3571
For bankruptcy counseling, call 866-826-6924
For housing counseling, call 866-826-7180
Or visit us online at ConsumerCredit.com
About American Consumer Credit Counseling
American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. ACCC provides individuals with practical debt solutions for solving financial problems and recognizes that consumers’ financial difficulties are often not the result of poor spending habits, but more frequently from extenuating circumstances beyond their control. As one of the nation’s leading providers of financial education and credit counseling services, ACCC’s certified credit advisors work with consumers to help them determine the best plan of action to get out of debt and regain financial stability. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources, log on to ConsumerCredit.com or visit TalkingCentsBlog.com.

Miramontes Capital Builds Meaningful Lives, Extending Financial Services to Southern California and Beyond

COSTA MESA, CALIFORNIA (PRWEB) AUGUST 20, 2015
Miramontes Capital announced the opening of its new offices in Costa Mesa, central Orange County. The firm, specializing in retirement guidance, provides highly customized investment and financial planning assistance through a dedicated service model that heavily revolves around clients.
Introducing themselves as “Architects of Your Meaningful Life”, Miramontes Capital is an independent registered investment advisor (RIA) founded with a mission to always guide, lead and support clients towards achieving their meaningful life objectives. They offer a comprehensive range of services, including a suite of retirement and financial planning services, portfolio analyses, estate planning, and even accounting services.
Backed by Charles Schwab, custodian to independent advisors for over 25 years, Miramontes Capital present a two-fold service model based on customer communication and a dedication to education. Clients of Miramontes Capital enjoy regular portfolio updates, 24/7 account access, 100% paperwork assistance, client breakfasts, frequent conferences (up to twelve in the first year), and insightful market updates.
Employees of Verizon Wireless®, Chevron®, Southern California Edison®, and Southern California Gas Company®, will take further interest in the fact that Miramontes Capital has gathered ample experience in working with their companies’ benefits packages over time. This allows the team to offer clients retiring from these companies more specific advice that relates to their situation.
Founder Sid Miramontes attributed the firm’s great success with portfolio and retirement planning to the large number of clients that he and his team have helped over his career: “We’ve been able to use all the life experiences of all these [retirees]…and all those family members who count on us. [Their] experience has brought us to where we are today.” “The main goal for us,” Miramontes added, “is to help our clients achieve their most meaningful life.”
About Miramontes Capital, Inc.
Sid Miramontes has worked in the financial sector since 1995. As a retirement planner, he has been able to assist more than 1400 people through the retirement planning process. He holds Series 7, 63, and 65 licenses, and both Life Insurance Licensure and Securities State Registration for California as well as more than a dozen other states. He holds a number of awards and distinctions, most notably making the annual Barron’s Top Financial Advisors list three times.

Credibility Capital Ensures Security and Compliance at Mass Market Exchange Levels with eOriginal

BALTIMORE, MD (PRWEB) AUGUST 20, 2015
eOriginal, Inc. today announced that Credibility Capital, a small business marketplace lender, has adopted Digital Transaction Management (DTM) to help increase security and compliance within its loan financing processes. eOriginal worked with its partner DocuSign, Inc. (DocuSign®) to complete the successful implementation of an end-to-end digital process.
As a leader in prime credit small business loans within the marketplace lending industry, Credibility Capital helps small business customers obtain financing simply and efficiently.
While digital business practices were already at the core of its lending solution, Credibility Capital’s adoption of DocuSign’s eSignature solution simplifies the company’s loan origination process to help accelerate funding and create a best-in-class client experience.
Paired with eOriginal’s eAsset® Management three-tiered solution – featuring eVaulting services, transaction services, and transferrable record services – once an agreement has been executed with DocuSign, the digitally-signed document is deposited into eOriginal’s eVault where the asset is controlled as a secure and legally-binding Authoritative Copy throughout the remainder of the agreement.
eOriginal’s electronic financial asset management functionality provides Credibility Capital with security and compliance at mass market exchange levels – an area that marketplace lending critics often cite as a pitfall of the industry when compared to federally chartered banks. The solution enhances financial flexibility and mitigates risk with its legal compliance with Uniform Electronic Transaction Act (UETA), Federal Electronic Signatures in Global and National Commerce (ESIGN) Act, and Uniform Commercial Code (UCC) Article 9.
Key features of the solution include: an authenticated and secure audit trail throughout the lifecycle of the asset; advanced encryption and tamper seal technology to ensure the integrity of the document; Certified Print® capabilities to produce a legally enforceable version of the contract for a court-ready evidentiary package; and transferrable record services, such as securitization, collateralization and pledging.
QUOTES
“In considering a solution for Digital Transaction Management, we looked for efficiency, accuracy and comfort that our lending solution could pass the vetting process of federally chartered banks and large institutions,” explained Brett Baris, President of Credibility Capital. “The unmatched security, compliance, and end-to-end audit trail provided by the joint eOriginal and DocuSign solution provides a level of comfort and trust that is critical for our business, and that we wouldn’t otherwise have had.”
“Credibility Capital is the perfect example of how leading marketplace lenders can provide peace-of-mind to their investors by utilizing our Digital Transaction Management solution,” said eOriginal President and CEO Steve Bisbee. “As the marketplace lending industry continues to disrupt traditional lending models, companies who manage their digital transactions throughout their lifecycle in a verifiably secure, legally compliant and enforceable manner will attract more investors with their security and compliance standards.”
“DocuSign empowers Credibility Capital and its clients to transact business and close loans anytime, anywhere, on any device – securely,” said DocuSign’s Chief Revenue Officer Neil Hudspith. “We’re pleased to help customers like Credibility Capital drive digital transformation across the lending industry to make loan processing a fast, easy, convenient and secure process for their clients.”
Individuals interested in learning more about Credibility Capital may visit http://www.credibilitycapital.com; in eOriginal may visit http://www.eOriginal.com; in DocuSign’s DTM platform may visit https://www.docusign.com/solutions.
About Credibility Capital Inc.
Credibility Capital Inc. is a marketplace lender focused on prime small business borrowers. The Company’s platform matches institutional investors with high quality small businesses interested in fair, affordable monthly-pay loans from $10,000 to $250,000. With an easy application process and transparent terms, Credibility Capital is working to help American small businesses grow. For more information, visit http://www.CredibilityCapital.com.
About DocuSign, Inc.
DocuSign® is The Global Standard for Digital Transaction Management®. DocuSign helps more than 100,000 companies across nearly every industry and department make their digital transformation by putting an end to the paper chase. More than 50 million people in 188 countries turn to DocuSign to manage their most important transactions—digitally. DocuSign’s DTM platform supports legally compliant signature processes tailored to meet requirements globally with localization in 43 languages. Every day more than 50,000 new users join The DocuSign Global Trust Network to increase speed to results, reduce costs, enhance security and compliance, and delight clients with a secure digital experience. For more information, visit http://www.docusign.com or call 877.720.2040.
Copyright 2003-2015. DocuSign, Inc. is the owner of DOCUSIGN® and all of its other marks, http://www.docusign.com/IP. All other marks appearing herein are the property of their respective owners.
About eOriginal, Inc.
Founded in 1996, eOriginal is the trusted expert in digital transaction management solutions, specializing in the post-execution management of financial asset documentation. eOriginal SmartSign® and eAsset® Management Services enable an end-to-end solution for fully electronic transactions that must be managed with the highest levels of security and compliance throughout their lifecycle. By treating every transaction as having assets that must be verifiably secure, legally compliant and enforceable, eOriginal provides its customers and partners with eCertainty®. For more information, please visit http://www.eoriginal.com. eOriginal®, eAsset®, eOriginal SmartSign® and eCertainty® are trademarks of eOriginal, Inc. and are registered in the United States or in other jurisdictions.

Des Hague Spearheads Stamford Youth Foundation Fundraising Campaign

STAMFORD, CT (PRWEB) AUGUST 20, 2015
The Stamford Youth Foundation launched its “Make a Difference” fundraising campaign today. Tony Spadaccini, a long term board member and the newly appointed president of the foundation, is excited about the initiative: “We are thrilled to launch our campaign and delighted that Des Hague is heading up the campaign. We are confident that many children’s lives will be made better for his and others in the community’s efforts. We would like to expand the program and know that this is only possible with community involvement and investment. Having a community leader of Des’ caliber spearhead this effort is a tremendous boost.
Des Hague was equally enthusiastic of the endeavor: “There is nothing better than being able to do good and it is doubly pleasing that we have an opportunity to do good for children at the same time. Those who know me well know that I had an extremely challenging upbringing and I wish I had had an organization like the Stamford Youth Foundation to turn to for support,” Hague stated. He later added, “I have been proud to live in Stamford for over five years. I know firsthand that the people here represent what is great about America and I am confident that we will collectively stand up and Make a Difference. Let’s not have one child miss an opportunity to further his or her own personal development.”
The Make a Difference campaign will be a multi-year effort to further the foundations’ mission. Please check out the cause at http://stamfordyouth.org/. All contributions, which will be tax deductible, are welcome and should be sent to the attention of President Tony Spadaccini, the Stamford Youth Foundation, at 74 Lakeview Dr., Stamford, CT 06905
About Stamford Youth Foundation (SYF):
SYF is a 501(c) 3, not for profit organization that operates programs to serve the youth of Stamford, CT, their parents and the community at large. All SYF officers, coaches and directors are volunteers.
SYF receives donations and grants from organizations and individuals to help subsidize its programs. These donations primarily fund the financial scholarships for participants that could not otherwise afford the programs. Making our programs available to all of the town’s youths is core to SYF’s mission. SYF also relies upon Stamford’s public facilities such as parks, ball fields and schools to offer our programs. These facilities are made available to SYF and its participants at no cost (except for custodians at some locations) by the City of Stamford.
Financial Contributions to SYF:
All donations to SYF are tax deductible to the extent that no value is received in return. We welcome and appreciate these donations. They are important to achieving our goals of providing scholarships to all in need while maintaining affordable fees for the remainder of the participants.
For more about Des Hague, visit: http://deshague.com
Des Hague – LinkedIn: https://www.linkedin.com/in/deshague
CONTACT INFORMATION
DesHague.com
Email: desghague(at)gmail(dot)com

Commercial Bank of Dubai Offers a Smarter Way of Banking with Virtual Assistant Sara

LONDON, UK (PRWEB) AUGUST 20, 2015
Creative Virtual, a global leader in customer engagement self-service solutions, today shared the success story of the Commercial Bank of Dubai’s (CBD) virtual assistant implementation powered by V-Person™ technology. CBD is one of the leading banks in the United Arab Emirates and offers its customers a full range of personal and commercial banking products and services. They pride themselves in being a progressive and modern banking institution, and selected Creative Virtual’s innovative technology to power their Smart Help solution.
Originally launched as part of CBD’s new website and online banking portal in 2014, the virtual assistant is designed to enable customers to find the right information at the right time – anytime, anywhere. To achieve this, Sara is accessible on both the public-facing website and within the secure banking area of the website and utilises templates designed specifically to optimise the experience on a variety of devices. The Smart Help tool is also integrated with live chat to seamlessly escalate users to a live agent when needed.
“At Commercial Bank of Dubai, our goal is to bring online banking to the next level: smarter, easier, responsive,” said Frans Jan Burkens, Deputy General Manager, Personal Banking Group at CBD. “Virtual Assistant Sara helps us do that across desktops, mobiles, tablets and kiosks.”
With V-Portal™, Creative Virtual’s knowledge management, workflow management and business intelligence reporting platform, CBD was able to bring together information from across the organisation into one place to easily create, review, update and deploy the virtual assistant’s content. The advanced reporting allows CBD to obtain key metrics on call deflection, conversions and satisfaction rates alongside each question in real-time.
“Sara is giving us an insight into what our customers are thinking and feeling, which enables us to continuously improve our business,” said Achillefs Manolopoulos, Head of Digital Channels at CBD.
In addition to a positive response from customers and a growing usage across channels, Sara has also played an integral role in CBD’s recent award wins in the prestigious Banker Middle East UAE Product Awards and International Business Excellence Awards programmes.
To learn more about CBD’s innovative virtual assistant solution, download the full Customer Success Story.
ABOUT CREATIVE VIRTUAL
Creative Virtual is a world leader in self-service customer engagement solutions with global organisations, including HSBC, Verizon, Chase, Lloyds Banking Group, InterContinental Hotels Group, Autodesk and Tesco relying on our technology to improve their customer support experience, increase sales, reduce costs and build brand loyalty. Since 2004, Creative Virtual has built award-winning, critically-acclaimed technologies in knowledge management, natural language processing and virtual assistants to deliver businesses with omnichannel Smart Help tools that enable anywhere, anytime customer engagement. Backed by an experienced, expert team and our innovative knowledge management, workflow management and business intelligence reporting platform, our solutions empower brands to provide customers with consistent, accurate, personalised and seamless experiences across web, mobile, social, SMS, contact centre and IVR channels. Delivering call deflection of up to 50%, increased first contact resolution and powerful customer analytics and outcome tracking, our platform is the most compelling self-service product in the world today.
For more information about Creative Virtual solutions and products, please visit our website at http://www.creativevirtual.com.
ABOUT CBD
The Bank was incorporated in Dubai, United Arab Emirates in 1969 and is registered as a Public Shareholding Company (PSC).The Bank is listed on the Dubai Financial Market and is fully owned by UAE Nationals, including 20% by the Investment Corporation of Dubai (ICD). The Bank employs around 1,100 employees of 39 nationalities of which 41% are UAE Nationals. It offers a wide range of conventional and Islamic banking products and services to its corporate, commercial and personal banking customers through a network of 26 branches 3 Cash Offices and a digital kiosk in partnership with the Dubai Higher College of Technology. Moreover the Bank has invested in an extensive network of over 200 ATMs/CDMs.