Tired of Screwing Up New Year’s Resolutions?

Motivational Guru Shares 3 Tips to Get Cranking in 2015.

Los Angeles, CA, December 30, 2014 -- Motivational author and speaker Shawn Anderson is passionate about inspiring others to live the life they love. With many considering New Year resolutions, it’s the time of year when people are seriously thinking about what they’d like to change in their lives.

“January 1st carries a mystical power that prompts us to reflect on all the ways we think our life is lousy and how we might be able to make it better,” Anderson says. “And although we have the power to create positive change on any day, I love the extra motivational push that the first day of a new calendar year offers.”

Recognized for having interviewed hundreds of people who have re-defined their lives because they either chose to or had to, Anderson shares three gut-check tips for people to think about as they consider living the life they love in 2015:

TIP #1: Choose to quit living in Mediocreland.
“If you’re unhappy with your life, look in the mirror. You created your life dissatisfaction, and you can un-create it, too,” Anderson states. “Want out of the rut? Quit making excuses, pointing fingers, and waiting for a miracle to fly you out of Mediocreland. Get out of the passenger section and be your own pilot in 2015.”

TIP #2: Don’t expect overnight miracles.
“It's impossible to reinvent yourself over night. Massive change just doesn’t happen that way,” Anderson shares. “But transformation does happen when we are persistent and keep taking small steps every day. Single steps daily add up to big changes eventually.”

TIP #3: Don’t wait for the perfect moment.
“Waiting for the perfect situation to unfold before we find the guts to make changes only prolongs our existence in the rut,” Anderson says. “Don’t wait for the stars to fall into perfect alignment before you decide to go for it. Live now.”

The author of six motivational books, including A Better Life: An Inspiring Story About Starting Over and Extra Mile America: Stories of Inspiration, Possibility and Purpose, Anderson is also the Founder of Extra Mile America and the creator of “Extra Mile Day” ...a day recognizing the capacity we each have to create positive change when we go the extra mile. On November 1, 2014, 527 mayors and cities made the unique declaration and recognized those in their local communities who were going the extra mile in volunteerism and service.

“Living a life that you love starts with having the courage to quit coasting,” Anderson, the author of the motivational book Amicus 101: A Story About the Pursuit of Purpose and Overcoming Life’s Chaos, concludes. “Life is fast and short, so why would we ever choose to waste a single breath living anything that is mediocre?”


Contact:
Shawn Anderson
Los Angeles, CA
310-402-4826
shawn@shawnanderson.com
http://www.shawnanderson.com

FAAIF To Sponsor the Future of Global Takaful Conference

Camille Paldi says Takaful (Islamic Insurance) is the next big global trend.

Dubai, UAE, December 27, 2014 -- FAAIF CEO Camille Paldi announces sponsorship of the Future of Global Takaful Conference in Kuala Lumpur, Malaysia on January 28-29, 2015. The conference features high profile speakers including the CEO’s of Hong Leong MSIG Takaful, Munich Re Malaysia, Malaysian Insurance Institute, First Insurance Co., Amana Takaful Life, INCEIF, Pak-Qatar Family Takaful, and PT Reansuransi Nasional. The conference also hosts two famous group Head Shari'ah Advisers, 31 Expert Speakers and Panelists, 26 Presentations, 1 CEO Panel Discussion, and 3 Panel Discussions. Camille Paldi’s explanation of Takaful (Islamic Insurance) can be found here: http://www.slideshare.net/CamillePaldi/takaful-islamic-insurance-42134519.

Paldi notes that Takaful has become a major industry in Muslim countries and has equal potential to become a wildly popular form of insurance in the non-Muslim and Western world. Paldi explains that Takaful is almost the same concept as conventional mutual insurance, except that in the case of Takaful, the Takaful operator can inject money into the Takaful fund in the event of looming insolvency. Paldi says that in fact Takaful is already widely used by Westerners in the shipping industry and already available in Western markets. Paldi states that Takaful has a tremendous potential as a mass consumer product in the West and in international trade finance. Paldi emphasizes that the main hook for Takaful is that after one subscribes to a Takaful policy, one may get a return on investment as the Takaful funds may be invested in Shariáh compliant funds, the profits of which are distributed back to the participants according to the Takaful agreement. In addition, one great feature of Takaful is that the unused premiums are actually returned back to the participant at the end of the policy.

Paldi notes that this concept of risk-sharing and risk-pooling is promoted in all of the Holy Books including the Torah, the Bible, and the Qu’ran. Therefore, Takaful should be seen as a form of Holy Book insurance and promoted amongst all of the people of the Book as well as among those who favor the concept of conventional mutual insurance or cooperative societies. One of the core concepts is that the participant retains ownership over the paid premiums to the Takaful fund and therefore has the right to reclaim the unused portions at the end of the policy. This form of risk-sharing/pooling and investment insurance has a positive effect on the health of the individual through maximizing coverage, the community, and the economy as a whole as more funds are available to promote productive trade, which may stimulate the economy and help it to grow. Camille Paldi can be reached at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company http://www.faaif.com.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 (0)56 950 0562
camille@faaif.com
http://www.faaif.com

FAAIF CEO Camille Paldi Promotes FAAIF Worldwide

The Franco-American Alliance for Islamic Finance Takes Off Despite Negative Headwind.

Dubai, UAE, December 23, 2014 -- Camille Paldi, FAAIF CEO, is promoting her new Islamic finance business FAAIF or the Franco-American Alliance for Islamic Finance around the world. Paldi recently showcased her new company in the USA, London, Spain, Korea, Qatar, Bahrain, and the UAE. Paldi says FAAIF is now offering exciting services in Islamic Banking and Finance, Takaful (Islamic Insurance), Microfinance for Westerners in impoverished areas, Islamic Finance Law and Legal Assistance, and Assisting Banks with Setting up Islamic Windows. Paldi says that a unique angle for FAAIF is that FAAIF also assists Law Firms with setting up Islamic Finance Legal practices and trains lawyers on how to participate in this emerging lucrative industry. Paldi also states that FAAIF takes a traditional approach with Islamic finance in promoting green sukuk, Shariáh compliant project finance, and financing methods, which preserve and maintain the environment. Basically, FAAIF aims to facilitate companies, law firms, and banks in the Non-Muslim world and give them the necessary equipment, skills, and training to compete in the global billion dollar Islamic finance industry while preserving the main tenets of the Shariah. Paldi says this may increase the competitive of non-Muslim nations in the global economy and help raise money for businesses and government.

Camille Paldi is a Western Muslim and US Citizen, having trained in Islamic Banking and Finance and Law around the world on five continents for over ten years. She is currently the only Western person in the world to have reached such a high level of skill and competency in the highly technical and sophisticated topic of Islamic Banking and Finance. Paldi says that she is already highly respected around the world for her unique and special knowledge of Islamic finance of which very few people in the world possess. Paldi also adds that she is shocked and totally embarrassed on behalf of Western police and military personnel in the way that she is being treated by much less educated and accomplished police and military personnel and cannot believe it when she sees her fellow countrymen in the US military special operations units pursuing her aggressively as if she is a notorious international villain and notifying everyone in the world that she is “dangerous.’’ Paldi says she is a highly educated US Citizen, lawyer, and finance professional with years of international travel and experience behind her and that she is in fact more qualified than any world leader and more educated than a majority of the planet. Therefore, Paldi is absolutely astounded at the police and military personnel around the world blatantly breaking the law to harass her with the only purpose of interfering with her new business FAAIF. Paldi wants to remind her fellow Westerners that it is increasingly important to remember the fundamental freedoms guaranteed in Western societies including the freedom of contract, gender equality, and freedom of religion as authorities world wild are trying to trick Western people out of their freedoms and oppress them under the guise of various tactics including legislation and movements, which have the appearance of trying to protect them. Paldi wants to remind the West of the civil rights guaranteed to each citizen under Western constitutions and emphasizes that the police and military are meant to be a source of protection and not endangerment for the average citizen, the latter of which is the increasing trend on the planet.

Camille Paldi says she has not broken a single law or committed any crime and that in fact the police and military personnel are committing many crimes against her including assault, battery, intimidation, stalking, harassment, defamation, kidnapping, slander, endangerment, bullying, and many other crimes. Paldi says jealousy is the main factor for her mistreatment by scores of males who are trying to intimidate and control her in a jealous frenzy and display of illegal male abuse of power, force, and testosterone. Camille Paldi calls on her fellow colleagues to support her in the face of this massive injustice and take a stand for justice in a world filled with increasing abuse of power, violence against women, deterioration of rights for the masses, and hatred of anything different. Camille Paldi says that the majority of Westerners are in fact highly interested in Islamic Finance, despite the militarized minority who condemn and attack anything Islamic for apparently little or no reason other than brainwashing. Camille Paldi says that in fact the whole world is going to love her and that she is in fact a very valuable asset to her country the United States and the world economy and should be respected accordingly. Camille Paldi can be reached at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company http://www.faaif.com.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 (0)56 950 0562
camille@faaif.com
http://www.faaif.com

FAAIF Announces Sponsorship of International Islamic Banking and Finance Law Conference 2015

FAAIF to promote Islamic Banking and Finance law.

Dubai, UAE, December 21, 2014 -- FAAIF CEO Camille Paldi announces that FAAIF is sponsoring the International Islamic Banking and Finance Law Conference 2015 in Kuala Lumpur, Malaysia in February, 2015. Paldi stresses the importance of Islamic finance dispute resolution to the Islamic finance industry and says that the industry cannot survive without solid and uniform regulation, a unique and independent dispute resolution framework, and a bankruptcy court. - See more at: http://internationalfinancemagazine.com/article/The-dispute-resolution-conundrum-of-the-Islamic-finance-industry.html#sthash.YqMrPk0t.dpuf. FAAIF CEO says that the KL conference is an excellent platform through which to brainstorm, discuss, and find solutions to the dispute resolution conundrum of the Islamic finance industry.

The conference is organized by the Malaysian Bar Association and Malaysian Current Law Journal and is hosting notable speakers such as the Hon. Datuk Dr. Haji Hamid Sultan bin Abu Backer, Judge, Court of Appeals, Malaysia. Topics include the Current Legal & Regulatory Framework For Islamic Finance and Banking in Malaysia; Islamic Banking and Finance: Products and Services; Bank Negara Malaysia Guidelines, Regulations and Standards; An Update on the Islamic Finance Services Act 2013; Islamic Banking Products: Transactions & Documentation; Sukuk: Concept, Structure & Security Commission Requirements; Islamic Banking Regulatory Authorities in Malaysia: Their Roles & Powers; Responsible And Sustainable Banking & Emerging Markets in Islamic Finance; Impact of Islamic Finance on Mergers & Acquisitions (M&A); Islamic Wealth Management & Succession Planning; and Islamic Finance in Arbitration. Supported by the Finance Accreditation Agency (FAA), this conference will deliberate on current and legal issues in Islamic finance, legal and regulatory risks in developing and enabling the Islamic finance environment, potential legal and regulatory impediments in Islamic banking, corporate governance requirements, and risk management in Islamic finance.

This conference aims to showcase first-hand experience from market regulators, Shariáh scholars, and leading industry practitioners as well as hopes to bring together participants from diverse backgrounds, specializing in legal, advisory, banking, fund management, and other related services. CPD credits are available for lawyers. The event website can be found at http://www.shariahlaw.com/iibfl2015/#section1. Camille Paldi can be contacted at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company http://www.faaif.com.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 56 950 0562
camille@faaif.com
http://www.faaif.com

Ready to Kick Butt in 2015? Motivational Guru Shares 3 Tips to Make the New Year Your Year

Los Angeles, CA, December 18, 2014 -- It’s the nature of motivational author and speaker Shawn Anderson’s work to get people fired up about their lives. With January 1 and new year resolutions around the corner, it’s the time of year when people are seriously thinking about what they’d like to change in their lives.

“January 1st carries a mystical power that prompts us to reflect on all the ways we think our life is lousy and how we might be able to make it better,” Anderson says. “And although we have the power to create positive change on any day, I love the extra motivational push that the first day of a new calendar year offers.”

Anderson offers three gut-check tips to for people to think about as they consider living the life they love in 2015:

1. Quit living a life you don’t like.
“If your life sucks in any area, no one has more power than you to create the changes to make it better,” Anderson shares. “If you truly want better for your life, don’t you think 2015 is the time to get off your butt, and tell yourself ‘enough is enough’? If you don’t do it now, you might not ever.”

2. It’s time to kick Fear’s butt.
“If you’re afraid of taking risks, then 2015 will look the exact same as 2014,” Anderson says. “Fear is our arch-enemy whose intention is to take everything great from our lives. If you want better health, more adventure or a better job, you have to put on your Superhero cape and kick Fear’s butt. Quit thinking about how might feel if you try and don’t succeed. Instead, start thinking about how you’ll feel if you have to keep living what you are living now…forever.”

3. Everyday is January 1st.
“If you have an awesome goal, expect to have a hundred days during the year where you don’t succeed,” Anderson says. “If you fail once…twice…ten times in pursuing your goal, get over it. Tomorrow is always the first day of the rest of your life, and it holds the opportunity to get on track again. Don’t let your failure discourage you to the point you quit trying. Let your desire for getting what you want be what stokes your fire even more.”

In addition to being a successful lifetime entrepreneur and author, Anderson is also the Founder of Extra Mile America and the creator of “Extra Mile Day” ...a day recognizing the capacity we each have to create positive change when we go the extra mile. On November 1, 2014, 527 mayors and cities made the unique declaration and recognized those in their local communities who were going the extra mile in volunteerism and service.

“Living a life that you love starts with knowing what that life actually looks like,” Anderson, the author of the motivational book Amicus 101: A Story About the Pursuit of Purpose and Overcoming Life’s Chaos, concludes. “The quality, value, and adventure of each of our lives will always be determined by our own vision and a willingness to take action on that vision.”


Contact:
Shawn Anderson
Los Angeles, CA
(310) 402-4826
shawn@shawnanderson.com
http://www.shawnanderson.com

South Korea Strives to Enter Global Islamic Finance and Halal Market

South Korea is a rising sun on the Islamic finance horizon.

Dubai, UAE, December 16, 2014 -- FAAIF CEO Camille Paldi participates in WIEF Roundtable in Pyeongchang, South Korea. Paldi says that South Korea has taken many steps towards entering the global Islamic finance market including tabling legislation, engaging in training seminars and hosting conferences, as well as joining various Islamic financial regulatory bodies, preparing for sukuk issuance, and tapping into the London Murabahah Exchange. South Korea, which is one of the major exporters to Islamic nations, has explored the Halal market and Islamic finance may be the natural progression to diversify its investments, assets, and markets and stimulate the Korean economy, keeping the nation competitive. Seoul is not only preparing to enter the Islamic financial market, however, strives to become a hub of Islamic finance in East Asia in competition with Japan, Hong Kong, and Singapore.

Several Korean companies including GS Caltex, Korean Air, Hyundai, Samsung and others are reportedly exploring the possibility of raising funds from the sukuk market. South Korean Chaebols including Lucky Goldstar, Samsung, Korea Shipping and several others have in the past accessed Islamic commodity Murabahah facilities structured through London.
South Korea's Export-Import Bank of Korea already has a bond programme in Malaysia that can issue Islamic bonds, or sukuk, although it has yet to tap the market. One problem for the domestic Korean market is that the amendment to the Special Tax Treatment Control Act (STTCA), which will facilitate sukuk issuance in Korea has not yet been approved. Local supporters of the introduction of Islamic finance products are confident that the delay is a minor setback. The main hurdles are taxation issues relating to double stamp duty, value added tax (VAT), capital gains, and the definition of what constitutes a security. From a conventional point of view, sukuk for instance, may look like asset-backed securities or like investment certificates. There must be a standard guideline that sukuk are considered as securities. Fortunately, these issues have been recognized by the Financial Supervisory Service of Korea and the central bank.

Although Korea is a latecomer to Islamic finance in Asia, Seoul is trying to promote Korea as a future Islamic finance hub similar to Hong Kong, Singapore, and Japan. Kim Jong Chang, Governor of the Financial Supervisory Service of Korea, the financial services regulator, believes that Islamic finance is a good innovation in the global financial market and has stressed that the Korean government is committed to facilitating it in Korea. Korea believes that the global financial crisis has shown that financial services cannot be divorced from the real economy and sees an ideal fit between its vast industrial base and Islamic finance. Local bankers acknowledge that conventional derivatives, which divorce financial services from the real economy, have historically destabilized the global financial system.

The Bank of Korea is the 59th regulatory body to join the IFSB, bringing total membership to 184, joining the likes of the central banks of Luxembourg and Japan and the monetary authorities of Hong Kong and Singapore. South Korea is definitely a rising sun on the Islamic finance horizon. Camille Paldi can be contacted at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company http://www.faaif.com.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 56 950 0562
camille@faaif.com
http://www.faaif.com

3rd OIC Annual Halal Congress Wraps Up in Sharjah, UAE

3rd Annual Middle East Halal Congress Takes Place in Sharjah, UAE.

Dubai, UAE, December 13, 2014 -- Camille Paldi, CEO of FAAIF, exhibited at the 3rd OIC Annual Halal Congress in the emirate of Sharjah, UAE. Currently, the halal food products industry stands at $2 trillion worldwide with Muslim countries accounting for $700 billion. The industry is expected to grow to $3.7 trillion in 2019. Currently, the GCC procures US$ 26 billion annually in halal food imports. The CEO of the Islamic Development Economy Development Center in Dubai, Abdullah Al Awar, stated that, “the spread of Islamic sectors such as Islamic banking, halal food, fashion, cosmetics, tourism, and other sectors was no longer a matter just for the Muslim world, but now an international phenomenon.”

Although the OIC Sharjah Halal Congress focused mainly on food products this year, Paldi says the Halal Congress hopes to include other halal industries such as cosmetics, tourism and hospitality, and Islamic finance and banking in the future in order to become a comprehensive halal platform through which exhibitors can showcase their products and services. The Sharjah Expo Center, the location of the Halal Congress, is the oldest expo center in the Middle East with 20,000 sq. meters of exhibition space and state of the art facilities. In addition, the emirate of Sharjah is the Islamic culture capital of the world.
Furthermore, the Ruler of Sharjah, Sheikh Sultan III bin Mohammed Al-Qasimi, graces his presence at the annual halal congress every year in a royal exhibit of appreciation for the halal industry.
Recently, the Islamic Chamber of Commerce, during its annual meeting in Istanbul, Turkey, announced that it will work to create a commercial arbitration center for the halal industry with the formulation of rules along the lines of the arbitration rules of the Paris-based International Chamber of Commerce. In addition, it is imperative that measures are taken to regulate and harmonize the global halal certification industry, such as with the creation of one central, global halal certification regulatory agency to oversee, harmonize, and regulate all other halal certifying agencies. Camille Paldi can be reached at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company http://www.faaif.com.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 56 950 0562
camille@faaif.com
http://www.faaif.com

Camille Paldi, CEO of FAAIF, Calls for Justice

Camille Paldi Requests Her Colleagues to Boycott and Not to Participate in Illegal Police and Military Harassment Directed Against Her.

Dubai, UAE, December 11, 2014 -- FAAIF CEO Camille Paldi recently attended two more Islamic finance events on behalf of FAAIF including the World Islamic Banking Conference in Bahrain and the Sharjah Halal Congress in the UAE as an exhibitor. Camille Paldi reveals that she is being subjected to illegal police and military harassment and aggression on the basis that she is supposedly about to break a law. Camille Paldi would like to clarify that she has not broken a single law nor committed any crime and that this abuse of police power is completely illegal and it is illegal for anyone to participate in this illegal harassment. This police harassment is in violation of every constitution on the planet as well as many laws and regulations around the world. Camille Paldi clarifies that in fact it is the police and military breaking the law and committing a crime and that she is in fact a law-abiding, exemplary lawyer, professional, business owner, and citizen. Camille Paldi is worried about the increasing trend of militarization in the United States and the world and what the impact will be on ordinary law-abiding citizens.

Camille Paldi reveals that she has been subjected to this treatment everyday 24/7 for over one year and a half and that the police and military have put her under house arrest and in an outdoor prison due to the fact that she is an emerging female Islamic finance and business success. Paldi states that the police and security organizations are using the front that she is about to break a law to conduct a corporate attack on her new, emerging business FAAIF. FAAIF CEO emphasizes that Western free-market economies are based on the principle of freedom of contract and this is one of the basic pillars of a free and democratic society.
Paldi also states that these men are endangering her health and wellbeing, her livelihood, and are conducting numerous crimes including, but not limited to endangerment, stalking, harassment, kidnapping, bullying, false imprisonment, defamation, slander, intimidation, and assault. Paldi says it is excessive to be pursued by a US military special operations unit as she is a well-educated American lawyer with a special status in the global billion dollar Islamic Finance industry. In addition, Paldi fears for her safety as every time she walks outside, she is aggressively pursued and followed by male military personnel as if she were a notorious international villain in the movie Commando and that they have turned her quiet, peaceful neighborhood of eight years in Dubai into a manufactured and fictitious warzone.

Camille Paldi, CEO of FAAIF has ten university degrees and has qualified as a lawyer in four countries including passing the Qualified Lawyers Test Transfer Scheme in the UK. Paldi also completed the MA Islamic Finance program in Durham University UK and attended Colgate University, the London School of Economics, The Monterey Institute of International Studies, The University of Sydney, The University of Melbourne, Kyoto International Center of Languages, Kansai Gaidai University, the East China University of Politics and Law in Shanghai, China, the Bahrain Institute of Banking and Finance, and many other Universities and training institutes around the world. Paldi also speaks many languages and pursues various hobbies including piano, photography, and dance. Camille Paldi calls for an end to her police and military harassment and requests that her colleagues do not participate in this illegal harassment and take a stand for justice because it could equally be them in the same position. “An injustice anywhere is a threat to justice everywhere. Martin Luther King Jr.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 56 950 0562
camille@faaif.com
http://www.faaif.com

Ryte Launches as First Benefit Corporation in Direct Sales Industry

New class of corporation reflects Ryte’s mission-driven values and desire to give back.

South Jordan, UT, December 08, 2014 -- Ryte is honored to launch as the first Benefit Corporation in the Direct Sales industry. Ryte is a giving company, and offers its Members the opportunity to live an active, healthy lifestyle and at the same time give back to causes, people, and programs they are passionate about. Ryte’s product lineup is designed to help in areas where most people struggle, including energy, weight loss, mood, relaxation, and sleep (www.ryte.com).

Benefit Corporations are a new class of corporation that are legally required to 1) create a material positive impact on society and the environment; 2) meet higher standards of accountability and transparency; 3) provide consideration to the interests of workers, the community and the environment and; 4) publicly report on overall social and environmental performance each year.

“We feel very strongly that corporations should give back and make a positive impact on society. When I learned about Benefit Corporations it aligned with my beliefs about how a company should behave, and provided the perfect platform to launch a massive giving movement,” said Founder, CEO, & Chief Giving Officer, Jeff Wilson. “Ryte will focus on people, planet, and profits. We know that we need to be profitable to be sustainable, but it doesn’t have to be at the expense of everything else. These values drive all of our decisions from personnel and partners, to growth strategies and giving. We couldn’t be prouder to be the first Benefit Corporation in our industry, and to be a part of the growing movement of social responsibility.”

Founder and Chief Marketing Officer, Riley Schaugaard said, “Choosing to be a Benefit Corporation really lets us stay true to our ideals and values. We want to make a difference and be different. We have been inspired by companies outside of direct sales like Patagonia, Toms, Warby Parker, Ben & Jerry’s, and other mission-driven companies that have lead the way. Being a Benefit Corporation holds us to a higher standard, and we welcome it.”

The Direct Selling Association (DSA) estimated U.S. sales of over $32 billion in 2013, with 16.8 million people involved. These numbers continue to increase each year.

“The Direct Sales model is so powerful and so attractive because it brings people together that have similar values and goals,” said Founder and Chief Sales Officer, Dave Stewart. “We want to take all the good that our industry brings and do that much more by getting people together that not only want to help themselves, but help others too. Imagine the power of tens of thousands of people coming together for the common cause of doing good.”

27 states have now passed laws creating this new class of corporation, including Utah, California, New York, Delaware, Pennsylvania, and Colorado, with more states currently working towards this. Legislation has been met with strong support in every state.

More About Ryte
Ryte wants to help people reach their personal best and offers a complete wellness system that includes healthy eating, healthy activity, and healthy supplementation. We are a mission-driven company that focuses on people, planet, and profits. We exist to make a difference and want to empower others to do the same.

If you are interested in joining or learning more about Ryte, visit us as at www.ryte.com, or call 801-871-3991. You can also contact the Ryte Founders via email at jeffw@ryte.com, rileys@ryte.com, and daves@ryte.com.


Contact:
Riley Schaugaard, Co-Founder and Chief Marketing Officer
Ryte, Inc
1196 W. South Jordan Pkwy; Suite C-2;
South Jordan, UT 84095
Phone: 801-871-3991
rileys@ryte.com (mine) or
support@ryte.com (general)
http://www.ryte.com

CashBackCat.com Extends Cyber Monday Promotions With 544 Double Cash Back Stores

CashBackCat.com extends Cyber Monday Promotions including 544 double cash back stores and $10 new member sign-up bonus, until Sunday, December 7.

Las Vegas, Nevada, December 04, 2014 -- CashBackCat.com, premier cash back, coupon and deals site announced today it is extending its Cyber Monday Promotions until Sunday, December 7, 11:59 p.m. EST. The promotion that is being extended is the listing of 544 Double Cash Back stores on its website and the New Member Sign-up Bonus of $10. Through Sunday, December 7, one-third of CashBackCat.com’s 1600 plus stores will be listed at Double Cash Back – more Double Cash Back stores than any other website, including all the major department stores and brands. In addition, new members that join during the week will receive a $10 Welcome Bonus deposited in their account.

“We had a lot of new members joining and taking advantage of the double cash back and we are extending the promotion to continue the unprecedented number of new members joining and saving with double cash back,” stated John Freeland, CEO and Founder of the company. Mr. Freeland continued, “He are happy that shoppers are finding us and are benefiting from what we have to offer, which is huge cash back savings from our 544 Double Cash Back stores.”

As a Welcome Bonus new members that join during the week will receive $10, a 100% increase from the normal $5 Welcome Bonus.

CashBackCat.com is also running a Holiday Referral Bonus of $20. All friend referrals before December 17, 11:59 p.m. EST will receive a $20 Bonus. To learn more click here.

About CashBackCat.com
CashBackCat.com is a Cash Back Rebate and Coupon website offering up to 50% Cash Back on over 1,600 partnered stores. CashBackCat’s goal is to save members as much as possible when shopping by using cash back rewards, coupons, deals, product comparison and Special Reports. Membership is Free and new members receive a $10 Welcome Bonus until December 3, 2014. To receive special discounts and cash back deals, sign up for our newsletter, The Smart Shopping Newsletter at www.blog.CashBackCat.com.


Contact:
John Freeland, President and CEO
CashBackCat.com
Las Vegas, Nevada
Direct: (661) 388-1900
john@cashbackcat.com
http://www.cashbackcat.com

Arizona Snowbirds Should Decontaminate Where They Stay, Recommends Mold & Germ Expert Phil Fry

Winter visitors to Arizona should inspect and decontaminate their snowbird residence, mobile home, hotel or resort room, or recreational vehicle to protect themselves against mold and germ-based diseases, advises Phillip Fry, Certified Environmental Hygienist and Professional Industrial Hygienist.

Montrose, MI, December 04, 2014 -- “Winter visitors to Arizona can get seriously ill by spending their snowbird visiting time in a mold and/or germ infested residence, apartment, resort or hotel room, mobile home, or recreational vehicle,” warns Phillip Fry, Certified Environmental Hygienist, Professional Industrial Hygienist, and webmaster of www.arizonamoldinspection.net.

“At least half of the places where snowbirds spend the winter have serious mold and germ problems, often hidden inside carpeting, upholstered furniture, heating/cooling equipment and ducts, walls, ceilings, attics, and cars,” adds Mr. Fry, whose firm EnviroFry does mold and environmental inspection, testing, removal, and prevention of homes, commercial buildings, and vehicles in Phoenix, Scottsdale, Mesa, Tucson, and Arizona-wide.

Snowbird rental units often harbor and foster toxic mold and germs because of undetected or ignored roof and wall leaks, plumbing leaks, and air conditioning, air conditioner, and swamp cooler leaks and internal mold and germ growth.

Mold, bacteria, and viruses from one rental unit often cross-contaminates other rentals because of microbial growth in the cleaning staff’s mops, cleaning cloths, and vacuum cleaners.
“When a snowbirds live in a rental unit or drive a rental vehicle, they are exposed for days , weeks, or months to the continually-growing germs and mold spores left in the living quarters or vehicle’s heating and cooling equipment and air ducts, carpeting, living space, and furnishings by all previous tenants or customers, analogous to how sexually-transmitted diseases are spread,” advises Fry, who is also webmaster of www.decontaminationgear.com,

Snowbirds can protect themselves by: (1) hiring EnviroFry to do thorough mold and germ inspection, testing, and removal in their home, rental unit, or vehicle;(2) using an EnviroFry portable, six-step air purifier in their home or rental unit,

For help in the inspection and decontamination of an Arizona snowbird nest, email Phillip Fry phil@moldinspector.com, or phone toll-free 1-866-300-1616 or cell 1-480-310-7970, or visit one of the EnviroFry websites www.scottsdalemoldinspection.com, www.mesamoldinspection.com. www.tusconmoldinspector.com, and www.sedonamoldinspection.com.


Contact:
Phillip Fry, Co-Manager
EnviroFry
10104 Sheridan Rd.,
Montrose, MI 48457
Phone Toll-Free 1-866-300-1616
Cell Phone 1-480-310-7970
phil@moldinspector.com
http://www.moldexpertconsultants.com

World Islamic Banking Conference Affirms Huge US Market for Islamic Finance

FAAIF CEO Camille Paldi says USA is ready for Islamic Finance.

Manama, Bahrain, December 04, 2014 -- The 21st Annual World Islamic Banking Conference wrapped up in Manama, Bahrain today with a session emphasizing the immense prospect of Islamic Banking in the United States. Jennifer Ivory, a member of the US Department of Treasury and PHD candidate in Islamic Finance said Islamic Banking is a hidden secret in the USA. Ivory mentioned that the US is open to the idea of Islamic finance as well as has the necessary regulations and legal framework to facilitate this form of Holy Book finance. In addition, Ivory said that Islamic Banking may have a positive effect on the US economy and compared Islamic finance to a rhythm and blues song as Islamic finance has an introduction, a verse, a rhythm, and a hook. Once hooked, Americans may go crazy over Islamic finance.

Paldi agrees that Americans will go crazy in love over Islamic finance as it is a new, trendy, and hip form of finance as well adds an element of innovation and spice needed to revitalize the US economy and spirit. Americans are no stranger to innovation and pioneering, as the great nation of the USA was founded by adventurous pioneers seeking to make a life in a new world free from the oppression they were subjected to in their previous habitats. Interestingly, Paldi says that Americans of today may be currently being oppressed through the invisible trap of debt, which is created and maintained by interest finance. Paldi says this debt trap can actually form an invisible prison, locking many Americans into an inescapable cycle of debt, which causes deterioration of health, family, and the community.

FAAIF CEO Camille Paldi, having spent many years training abroad in Islamic finance, is excited to bring this gift back to her fellow Americans. Paldi says the whole world is engaging in Islamic finance and it is about time that America enter the race rather than miss the boat. Paldi is certain that many Americans will find the financing structures and concepts in Islamic finance quite interesting and will be happy to learn alternative methods of raising capital and injecting funds into the US economy in order to stimulate the economy, businesses, and households. FAAIF CEO welcomes inquiries and requests from businesses, law firms, and banks requiring Islamic finance training and consultancy. Camille Paldi can be reached at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company http://www.faaif.com.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 56 950 0562
camille@faaif.com
http://www.faaif.com

Takaful: A Western Coming of Age

Camille Paldi explains the benefits of Takaful for Westerners.

Barcelona, Spain, December 01, 2014 -- CEO of FAAIF Camille Paldi recently gave an explanation of takaful or Islamic insurance to a curious European audience at the Mediterranean Week of Economic Leaders Islamic Finance Summit in Barcelona, Spain. Paldi notes that Europeans are generally receptive to Islamic finance concepts as Islamic finance replicates many concepts also found in the Bible and Torah and can generally be considered as a form of Holy Book finance. In addition, Islamic finance may act as a source of innovation and diversification in the conventional economy, attracting new sources of funds from ethical investors into Europe and producing new investment opportunities thereby stimulating the European economy and generating new sources and forms of trade. In addition, in terms of takaful, Paldi clarifies that in fact takaful is very similar to conventional mutual insurance and cooperative forms of insurance already widely used in shipping and construction.

Paldi explains that the purpose of Takaful or this Holy Book insurance system is not profits, but to uphold the Qu’ranic, Christian, and Jewish principle of "bear ye one another's burden." Therefore, in contrast to conventional insurance, takaful is not a contract of buying and selling where a party offers and sells protection and the other party accepts and buys the service at a certain cost or price. Rather, it is an arrangement whereby a group of individuals each pay a fixed amount of money and compensation for losses of members of the group is paid out of the total sum. The takaful pool is invested into Shariáh compliant funds, the return on investment, which is paid into the fund and then distributed to the participant according to the takaful agreement. In addition, the funds remaining in the takaful fund upon maturity of the policy are distributed back to the participants after deduction of the charges due to the operator and according to the type of takaful management model utilized by the fund.

Paldi explains that a conventional insurance company speculates on risk by making an assessment of the risk and then pre-determining profit based on the estimated payout versus the premium. It is in a sense gambling with one’s health. In contrast, Takaful is a scheme of mutual protection that exists amongst the participants making them both the insurer and the insured, which is a concept promoted by all of the people of the Holy Books.

Paldi reveals that in conventional insurance, riba (interest) occurs as the amount of money received by the insured, either on the occurrence of the insured event or upon maturity of the policy may be more or less than what is actually paid by the insured. For example, an accident may occur immediately after the insured makes the first payment requiring a payout or he or she may make all the payments without any accidents happening, never receiving any compensation back from the insurance company during the duration of the policy. Furthermore, since the payments are deferred, the compensation paid, which is greater than the instalments paid by the insured may constitute surplus riba (riba al fadl) and credit riba (riba al-nasiah). Secondly, the profits of conventional insurance companies result from riba related transactions. In addition, conventional insurance contracts contain gharar (uncertainty) in that the subject-matter of the contract is not certain until the insured event has taken place. The amount being paid by the two parties is not known at the time of execution of the contract.

In a conventional insurance contract, the policyholder agrees to pay a certain premium sum in consideration for the guarantee of the insurance company that they will pay a certain sum of compensation in the event of a valid claim. However, the policyholder is not informed of how much compensation the company will pay him or her or how the amount shall be derived. Paldi sums up that in conventional insurance, policyholders are gambling by betting premiums on the condition that the insurer will make payment contingent upon the circumstance of a specified event. On the other hand, the insured does not get anything from his premiums if the insured event does not happen at all. The aim of the conventional insurance company is to maximize profit based on gambling with the participants health. Camille Paldi says that takaful is an innovative alternative of insurance, a system of risk-pooling based on donation, which promotes people over profit. Camille Paldi can be reached at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 56 950 0562
camille@faaif.com
http://www.faaif.com

Top 10 Ways To Prevent Mold Legal Problems in Sale of Real Estate, Advises Mold Expert Phillip Fry

Certified Environmental Hygienist Phillip Fry recommends that real estate sellers and buyers take ten steps to avoid mold growth legal and sales complications in the sale of homes and commercial buildings.

Montrose, MI, November 26, 2014 -- “Seller-undisclosed but seller- known mold infestation problems, as well as unknown mold growth hidden inside heating/cooling ducts, ceilings, walls, floors, attics, and basements, often result in buyer lawsuits for undisclosed mold problems and often keeps homes and commercial buildings from being sold,” warns Phillip Fry, Certified Environmental Hygienist, Professional Industrial Hygienist, and webmaster since 1999 of www.moldinspector.com.
Fry’s website www.home-selling-buying.com explains the top 10 ways to prevent mold legal problems and mold sales complications when buying and selling residences and commercial buildings in the USA, Canada, UK, Europe, Asia, Australia, Central America, South America, and Caribbean nations.

1. A homeowner or building owner should not begin advertising the property for sale, or list it for sale with a Realtor® or other real estate agent/broker, until after a thorough mold inspection and mold testing of the home, rental property, or commercial property by an expert and experienced mold inspection firm such as international EnviroFry (www.moldexpertconsultants.com).

2. If the owner discovers visible or hidden mold problems, he should do safe and effective mold removal and remediation prior to offering the property for sale. Hire an expert mould remediation company such as EnviroFry, or follow the recommended ten steps for safe and effective do-it-yourself mold removal at www.moldinspector.com/mold_removal.htm. Re-inspect and re-test the building after remediation before re-occupying the decontaminated building.

3. The owner should avoid hiding or camouflaging mold problems by deceptions such as painting over mold growth; concealing mold growth behind stored items, furniture, furnishings, and decorations; and masking the distinctive smell of mold growth with air fresheners and deodorizers. The smell of mold is from the digestive gases of the mold eating the building materials.

4. The real estate sales contract should include an environmental inspection clause that grants at least a 14 to 21 day inspection period. The buyer should hire an independent inspector such as a Certified Mould Inspector, Certified Environmental Hygienist, Professional Industrial Hygienist, or Certified Environmental Inspector.

5. The mold inspector or the buyer himself should do an all-around physical examination of the building for both visible and hidden signs of water damage and mold growth. In addition, the inspector or the buyer should mold test the air and visible mold growths in all rooms, the basement, crawl space, attic, garage, plus the outward airflow from several heating/cooling duct registers.

6. Mold testing requires mold laboratory analysis and mold species identification of the collected mold and air samples. In building locations with previous floods or leaks, the examination should also include fiber optics inspection to look inside water-penetrated surfaces, such as walls, floors, ceilings, and crawl spaces, for hidden mold infestations.

7. The seller should disclose in writing to all prospective buyers any previous or present building water and mold problems, and what the owner has done, if anything, to correct such problems. These water damage and mold disclosures should be attached to the real estate sales contract so that the buyer acknowledges receipt thereof.

8. If the property for sale is a USA residential property (home, condominium, co-op apartment), the seller should order ahead of time and provide to all prospective buyers the insurance industry’s C.L.U.E. (Comprehensive Loss Underwriting Exchange) Property Report that provides a five-year insurance loss history for a given address. Buyers should insist upon receiving a current C.L.U.E. report.

Every U.S.A. homeowner insurance claim inquiry or loss report by a homeowner (even including those that do not result in any loss payment) goes into the C.L.U.E. database. In some states (including California) it is becoming common for sellers to provide Realtors® with a copy of the C.L.U.E. report up front so that there are no unpleasant surprises at closing or afterwards.

9. In consideration of the seller’s accurate and complete mold disclosure, and the buyer’s full and unrestricted opportunity to inspect and test the property thoroughly and carefully, the sales contract may include a seller’s requirement that the real estate property is being sold “as is” with no implied or express warranties as to the physical, mold, and environmental condition of the property.

10. Similarly, the sales contract may also include a seller-requested clause that releases the seller, lender, and real estate agent/broker from all mold liability to the buyer. This release of liability should be contingent on the accuracy and completeness of the provided details in the seller’s written mold disclosure and on the buyer’s full and unrestricted right to do mold inspection and mold testing prior to completing the property purchase.

To schedule EnviroFry mold inspection and testing pursuant to a contemplated property purchase, or mold clearance inspection and testing if there has been mold removal within the past five years, contact---

Arizona, California, and Nevada: Lee Maglanoc, Certified Environmental Hygienist, email azmoldinspector@yahoo.com or phone 1-602-757-1918.

Midwestern, Eastern, and Southern USA, plus Canada, Europe, and Asia: Phillip Fry, email phil@moldinspector.com or phone toll-free 1-866-300-1616 or cell phone 1-480-310-7970.


Contact:
Phillip Fry, Co-Manager
EnviroFry
10104 Sheridan Rd.,
Montrose, Michigan, USA
Phone Toll-Free 1-866-300-1616
Cell 1-480-310-7970
phil@moldinspector.com
http://www.home-selling-buying.com

CEO FAAIF Camille Paldi Addresses Wild and Bizarre Rumors about FAAIF

FAAIF CEO Camille Paldi alarmed by the hysteria surrounding her new Islamic Finance Business.

Dubai, UAE, November 22, 2014 -- FAAIF CEO Camille Paldi explains that despite wild rumors, she is in fact a US Citizen born in the state of Hawaii and a graduate of the Castilleja School for Girls in Palo Alto, California and Colgate University in New York as well as the London School of Economics and the Durham University (UK) MA Islamic Finance program. Paldi addresses bizarre accusations from authorities and reveals that she is in fact an emerging American Islamic finance superstar having received years of training abroad in this topic and is in fact a valuable asset for the United States as the Islamic finance industry is now a global billion dollar industry with all major US law firms and banks participating. In fact, Paldi notes that Goldman-Sachs has just issued a USD$500 Million sukuk in September 2014.

In addition to being a qualified Islamic finance expert, FAAIF CEO Camille Paldi has qualified as a lawyer in four countries and holds ten university degrees from around the world from the leading global educational institutions. Camille Paldi is also a well-traveled American, having lived and worked on five continents and interacted with many different nationalities and cultures around the world. CEO of FAAIF also addressed wild rumors of financing by third parties and asserts that she is an independent entrepreneur in the Islamic finance business with no outside source of funding and that she is conducting a legal business in the legal global Islamic finance industry.

FAAIF CEO welcomes inquiries and requests from businesses, law firms, and banks requiring Islamic finance training and consultancy. She especially welcomes requests from her home country the United States and believes that Islamic finance training may boost the competitiveness of the United States in international markets and have a positive effect on the US national economy and people. Camille Paldi can be reached at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 56 950 0562
camille@faaif.com
http://www.faaif.com

CashBackCat.com Releases Special Report - The Best Time to Purchase Just About Anything During the Year

CashBackCat.com released today its Special Report #7 – “The Best Time to Purchase Just About Anything During the Year.”

Las Vegas, Nevada, November 21, 2014 -- CashBackCat.com released today its Special Report #7 – “The Best Time to Purchase Just About Anything During the Year.” In the Special Report #6 we talked about the best days to buy during the Christmas Holiday Season and in Special Report #5 we discussed the best days of the week to buy certain products. We have evolved to the point of when is the best time to buy just about anything during the year. In this report we cover just about every product out there from buying jewelry to buying a house. If you don’t see a product in our report that you were searching it probably falls under general categories we have covered or you can do your best to find the most similar category and go with that month or quarter. The bottom line is I am going to give you a list of items or categories of items and the best time of the year to purchase, so you can save a bunch of money shopping. I recommend you to keep this list handy and in a safe place, so you can refer back to it when that urge to shop comes around and then you can always ask yourself, “do I need this now, or can I wait for it to go on sale.”

Some planning on your end with this list can save you a lot of money and a lot of headaches and arguments when your spouse asks you how much you paid for something – when this occurs you pull out the list and show your loved one how much you saved and how contentious you are about saving money. This will quiet things down and get him/her on your side.

You have already learned from the previous reports that certain things are cheaper at certain times, whether it’s daily, weekly, monthly or annually. Whether you're buying airfare, furniture, jewelry, or a back yard grill, there is a "best time to buy that item." Every year prices and products are constantly changing, whether its holiday sales, overstocked items or discontinued items, sales prices are dropping. At the end of this article we give you a one-glance chart so it is easy for you to check the list before you go shopping at the wrong time. Or if you really need that something and it’s the wrong time of the year to buy it, you can try to negotiate it down to where you feel comfortable.

We cover in Special Report #4 “What’s the Best Day to Buy Airline Tickets.” During the week the best day to purchase tickets is Sunday and then Saturday followed by Tuesday. Further, the best time to buy the cheapest domestic trips was 57 days or eight weeks, before departure. Most people purchase their tickets just over a month from departure and at that time the prices have moved up. The average domestic round-trip, taxes included, was $496. Rates at 57 days before a flight averaged 19% lower, at $402, for a $94 savings.

We have broken down the best time to buy certain products by quarter and by month. Much of our information was provided by Lifehacker.com and other reputable sources.

First Quarter (Jan/Feb/March)

Boats
This is the off-season for boats and it is also the season for boat shows, where deals put out the new models and discount last year’s boats.

Computer Monitors
There are several times during the year computer monitors go on sale, but the January clearance time is one of the best according to PCWorld.

Grills
Not too many people are grilling outside this time of year so the Winter Quarter is a good time to purchase that backyard pleasure.

Air Conditioners
Air Conditioners are not in high demand in the Winter Quarter, which is why you can get a great deal.

Wedding Venue & Supplies
Spring time is wedding time, so Winter Quarter, earlier the better, is the best time to find a venue. You can book your wedding in March, closer to Spring and get a great deal. Buy your supplies in January for the best deals.

Outerwear & Coats
The further along in Winter the better the prices will get. By December much of Winter shopping is over. After Christmas Sales should benefit the most for jackets, coats, gloves, hats and scarves.

To Continue to the Full Report with a Chart of the Best Days to Buy Anything Click Here.

About John Freeland
John Freeland is the President and CEO of www.CashBackCat.com. His goal is to help online shoppers save money by providing amazing cash back rebates, coupons and exclusive deals on everyday items. John blogs at www.blog.CashBackCat.com and can also be reached at John@cashbackcat.com. John is also an investor and owner of various companies in a variety of industries ranging from real estate to ecommerce to investment banking.

About CashBackCat.com
CashBackCat.com is a Cash Back Rebate and Coupon website offering up to 50% Cash Back on over 1,600 partnered stores on its website. CashBackCat’s goal is to save members as much as possible when shopping by using cash back rewards and coupons. Membership is Free and new members receive a $5 Welcome Bonus upon registering. To receive special discounts and cash back deals, sign up for the weekly newsletter, The Smart Shopping Newsletter at www.blog.CashBackCat.com.


Contact:
John Freeland, President and CEO
CashBackCat.com
Las Vegas, Nevada
Direct: (661) 388-1900
john@cashbackcat.com
http://www.cashbackcat.com

FAAIF Introduces the Dubai World Islamic Finance Arbitration Center (DWIFAC) in Europe

CEO of FAAIF addresses the dispute resolution conundrum of the Islamic Finance Industry.

Dubai, UAE, November 20, 2014 -- Camille Paldi, CEO of FAAIF introduces a proposal for a dispute resolution mechanism for the Islamic finance industry, namely, DWIFAC, which shall be funded by Sheikh Mohammed bin Rashid Al Maktoum, and may act as the independent central dispute resolution authority and Shari’ah regulator connecting all of the adjudication apparatus’s of Dubai, the UAE, and the DIFC into one consolidated framework for the adjudication of Islamic finance disputes with a centralized Shari’ah authority in the form of the Shari’ah Supreme Council (Article 5, Federal Law No. 6 of 1985 Regarding Islamic Banks, Financial Institutions, and Investment Companies). The decisions of the Shari’ah Supreme Council shall be binding and available to the public for review, thereby giving certainty to legal decisions and promoting confidence amongst investors.

DWIFACJO shall issue a standardized dispute resolution contract, which may be attached to all Islamic finance contracts and issue a uniform Islamic banking law, which may be adopted by the UAE and serve as a model for countries around the world wishing to engage in Islamic finance business. In terms of the standardized dispute resolution contract, it shall contain a built-in dispute resolution mechanism similar to the FIDIC contract, which is widely used in the construction industry. This system encourages completion of contract and preserves the relations of the parties. It is only if the contractually built-in dispute resolution system fails that the parties can then submit their claim to the Dubai World Islamic Finance Arbitration Center, which shall be staffed by leading Islamic finance lawyers, arbitrators, and Shariáh Scholars. The Center may apply lex mercatoria or commercial business practice, law, and Shariáh to the dispute resolution process. The decisions shall be published in English, French, and Arabic. Shari’ah Supreme Council decisions shall act as a source of precedent and shall be binding, thus providing legal certainty to Islamic finance dispute adjudication. The Shari’ah Supreme Council established by DWIFAC shall act as the highest Shari’ah authority for DWIFAC arbitration, the UAE, and the DIFC.

FAAIF CEO Camille Paldi notes that the current system of submitting Islamic finance disputes to common law courts cannot sustain the Islamic finance industry successfully into the future and that an independent and unique dispute resolution mechanism is necessary for the survival of the Islamic finance industry. FAAIF CEO also mentioned that it might be a good idea to create an Islamic Finance Bankruptcy Court for the world’s sukuk defaults. Camille Paldi can be reached at camille@faaif.com.

FAAIF Limited is a legal and management consultancy firm servicing clients in Islamic banking, finance, and takaful. FAAIF Events is an events production and management company.


Contact:
Camille Paldi, CEO
FAAIF Limited
Dubai, UAE
+971 56 950 0562
camille@faaif.com
http://www.faaif.com

CashBackCat.com Launches Christmas Friends Referral Program

Members Receive $20 for Each Qualified Friend or Family Member Referred.

Las Vegas, Nevada, November 18, 2014 -- CashBackCat.com has launched its $20 Christmas Friends Referral Program. Members will earn $20 for each qualified referral. A qualified referral is a new account sign-up that completes at least one purchase for $25 from any of the 1,600 stores on the CashBackCat.com website within the first 90-days of sign-up. The Referral Program is active from November 17 until December 17, 2014, 11:59 p.m. EST. After December 17 the referral bonus reverts back to it’s normal amount of $5.

“This is the Mother of all referral programs and is a way for us at CashBackCat.com to reward those members that refer friends and family during the holiday season,” stated John Freeland, CEO & President of CashBackCat.com. Mr. Freeland continued, “We are running the Referral Program now because it is easier for new members to qualify, since everybody is shopping at this time of year. New members also receive a $5 Welcome Bonus when signing-up.”

How do you get Referrals? It’s easy, just follow these simple steps.

First, Sign in or Sign up at CashBackCat.com.
Second, once signed in you will see a menu on the left side of the page. Click on “Tell a Friend”
Third, in the middle of the page you will see “Your Referral Link” – this is your unique referral link and if used properly can be worth thousands of dollars to you.
Fourth, copy and paste your link with a short message to your phone contacts, Twitter followers, Facebook friends and email contacts.

For example you could say: “Check this out, I’m a member and you can save a lot of money – click here (put your referral link in).

That is all you have to do. You can also let your friends know they get $5 when they join.
You can Text to your phone friends, Tweet your Twitter followers, post on your Facebook page and send a quick note to those on your email list. If 10 friends join that’s $200. Wouldn’t making an extra $200 for a few minutes of effort make your Christmas?

You don’t even have to talk to anybody, but if you want to you can.
So what are you waiting for? Start now sending out your Referral Link and start making $20 for each person who signs up. Happy Referring!

You can also watch this entertaining video about the $20 Christmas Friends Referral Bonus.

Why are we offering $20 per refer.
Two reasons; to reward our members this holiday season with an easy money making activity and second, we want to build our membership. We would like to triple our membership during the holiday season and all that is needed to do that is for each person to refer two friends. By tripling our membership we will be able to provide more deals, better couponing, and greater cash back on our merchant stores.

Here is how much you can make with referrals.

# Of New Member Referrals Your Referral Bonus
1 $20
2 $40
3 $60
4 $80
5 $100
10 $200
20 $400
25 $500
50 $1,000

100 $2,000
*Each New Member Receives a $5 Welcome Bonus
*Term: November 17 – December 17, 2014, 11:59 p.m. EST.
*To qualify for the referral bonus a new member must join between Nov 17 and Dec 17, and then the new member must complete at least one transaction for $25 within 90-days of joining. Simply by signing-up a new member does not qualify for the bonus.

About CashBackCat.com
CashBackCat.com is a Cash Back Rebate and Coupon website offering up to 50% Cash Back on over 1,600 partnered stores on its website. CashBackCat’s goal is to save members as much as possible when shopping by using cash back rewards and coupons. Membership is Free and new members receive a $5 Welcome Bonus upon registering. To receive special discounts and cash back deals, sign up for the weekly newsletter, The Smart Shopping Newsletter at www.blog.CashBackCat.com.


Contact:
John Freeland, President and CEO
CashBackCat.com
Las Vegas, Nevada
Direct: (661) 388-1900
john@cashbackcat.com
http://www.cashbackcat.com

GREEN CREATIVE releases IES Progress Report selected A19 277V universal voltage LED lamp

GREEN CREATIVE, the commercial grade LED lighting manufacturer proudly announces the launch of its first LED A19 9W 277V universal voltage lamp.

South San Francisco, CA, November 18, 2014 -- GREEN CREATIVE, the commercial grade LED lighting manufacturer proudly announces the launch of its first LED A19 9W 277V universal voltage lamp.

Part of GREEN CREATIVE’s new TITANIUM LED SERIES 4.0, the A19 9W 277V is one of five GREEN CREATIVE lamps selected by the Illuminating Engineering Society (IES) for its prestigious 2014 Progress Report, which showcases unique and innovative products significant to the lighting industry.

The A19 9W operates on 120-277V, making it one of the few high-performance A19 universal voltage lamps available on the market today. This 60W replacement also meets the new ENERGY STAR® V1.1 requirements for standard A-lamps with an omnidirectional 300° beam angle and evenly distributed light intensity. The lamp offers uniform light output while emitting 65% more lumens than what is required by ENERGY STAR in the 135° to 180° degree zone.

Operating at 89 LPW in a Warm White CCT, the A19 9W 277V’s efficacy is more than 10% higher than the Tier 1 LED A19 60W replacement industry average. This industry leading efficiency also exceeds ENERGY STAR requirements by upwards of 60%. The natural A-lamp design makes this lamp a perfect retrofit choice for both incandescent and CFL lighting applications such as lamps with shades, down lighting and uplighting.

The new ENERGY STAR certified A19 9W 277V turns on instantly, lasts 25,000 hours and is available in 2700K, 3000K and 4000K CCT.

Detailed information and data sheet about this new product available here.

In addition to the A19 9W 277V, GREEN CREATIVE also offers other universal voltage products like the PAR38 19W 277V and the new 17.5 4FT., 15W 4FT. and 9W 2FT. BYPass T8 tubes.

These products are available through GREEN CREATIVE distributors and are ready to ship from the company’s west coast and east coast distribution centers. For more information on where to purchase these products near you or how to become a distributor, please contact GREEN CREATIVE at: sales@greencreative.com or (866) 774-5433.

About GREEN CREATIVE
GREEN CREATIVE is a major solid state lighting development and manufacturing company based in the Bay Area, CA. The company specializes in retrofit lighting for the commercial market, offering a comprehensive line of LED lighting solutions. GREEN CREATIVE is fully integrated with strong R&D capabilities to constantly offer the latest technology available. For more information on GREEN CREATIVE please visit www.greencreative.com. For all of the latest updates follow GREEN CREATIVE on Facebook, Twitter and LinkedIn.


Contact:
Taylor Schaberg
GREEN CREATIVE
South San Francisco, CA 94080
Tel: (866) 774-5433
info@greencreative.com
http://www.greencreative.com

CashBackCat.com Releases The Best Days for Online Christmas Shopping Is Black Friday Even on the List?

CashBackCat.com has released its Special Report #6, “The Best Days for Online Christmas Shopping – Is Black Friday or Cyber Monday Even on the List?” Shopping trends continue to change and many consumers are simply not keeping up.

Las Vegas, Nevada, November 14, 2014 -- CashBackCat.com has released its Special Report #6, “The Best Days for Online Christmas Shopping – Is Black Friday or Cyber Monday Even on the List?” Shopping trends continue to change and many consumers are simply not keeping up. In this Special Report you will find the best days to get the best deals on all your Christmas shopping. Do not rely on historical shopping days, retailers are choosing more days to give deep discounts and some of your favorite shopping days may have changed.

There is no reason to be shopping at brick and mortar – ever! Unless you simply enjoy it, you are of the age group that does not mess with computers, or that word we used to hear a lot of when we were in high school or college – the word “Procrastinator” is still a term that others define you as being. If you haven’t grown out of that word yet and find yourself on December 24 hanging around Macy’s beauty aisles, then this article is not going to help you. You see, this article is for the advanced procrastinator, the early bird shopper who has waited until December 23 to do their online shopping, knowing very well that most online stores now-a-days entertain overnight delivery and some will even pay for it.

We don’t recommend you wait until the 23rd to do your shopping online but we will show you how to complete all your Christmas shopping online in one morning, afternoon or evening and you do not have to leave the comfort of your home or if you prefer your office. I know lots of people that shop for Christmas presents at the office – I still do, but I’m the owner and I don’t have shareholder’s that control the company yet, so I don’t have to worry about anyone talking behind my back as if I were doing something wrong.

The months of November and December are the biggest shopping months of the year. Many retailers will show eighty percent of their sale for the year in just those two months. If a retailer has a poor holiday shopping season then they had a poor year.

The last few years have been different. Marketers have figured out how to use technology with marketing and taking customer behavior, shopping habits and human psychology and what we call the Obama Transparency Factor and throwing it in a big stew and what comes out is the following: Black Friday isn’t Black Friday Anymore. What I am trying to say is that Black Friday isn’t the only day for the best prices any more. The best prices overall are spread out over several days.

Stores are taking lessons learned from the Obama playbook; believe what I say and not what I do. In other words, “When it comes to holiday shopping, it pays to track what retailers do, not what they say,” stated Shelly Banjo of the Wall Street Journal. From 2008, Adobe Systems has collected information on one trillion visits to 4,500 retailing websites and their finding was that Black Friday isn’t the best deals day. Matter of fact, there are five days besides Black Friday that match best prices and discounts.

In 2013, retailer’s biggest price cuts were on the Monday before Thanksgiving and shoppers who bought items the day before Thanksgiving got the lowest prices, according to Adobe.

The weeks before Black Friday had better deals than the weeks before Christmas. In addition, those who shopped on Black Friday were more likely to find items out of stock.

To Continue to the Full Report with a Chart of the Best Days Click Here.

About John Freeland
John Freeland is the President and CEO of www.CashBackCat.com. His goal is to help online shoppers save money by providing amazing cash back rebates, coupons and exclusive deals on everyday items. John blogs at www.blog.CashBackCat.com and can also be reached at John@cashbackcat.com. John is also an investor and owner of various companies in a variety of industries ranging from real estate to ecommerce to investment banking.

About CashBackCat.com
CashBackCat.com is a Cash Back Rebate and Coupon website offering up to 50% Cash Back on over 1,600 partnered stores on its website. CashBackCat’s goal is to save members as much as possible when shopping by using cash back rewards and coupons. Membership is Free and new members receive a $5 Welcome Bonus upon registering. To receive special discounts and cash back deals, sign up for the weekly newsletter, The Smart Shopping Newsletter at www.blog.CashBackCat.com.

Contact:
John Freeland, President and CEO
CashBackCat.com
Las Vegas, Nevada
Direct: (661) 388-1900
john@cashbackcat.com
http://www.cashbackcat.com

EnviroFry Recommends In Depth Mold Inspection & Testing When Buying a Tucson, Arizona, Home

Certified Environmental Hygienist Lee Maglanoc recommends that Tucson area home buyers and other property buyers make their purchase contract contingent on a thorough mold inspection and testing by EnviroFry.

Montrose, MI, November 12, 2014 -- “Buying a home with a big toxic infestation hidden inside walls, ceilings, floors, attic, basement, crawl space, or the heating/cooling air supply ducts will result in severe medical and financial problems for buyers who skip paying for in depth mold inspection and testing,” warns Lee Maglanoc, Certified Environmental Hygienist and Professional Industrial Hygienist with over 20 years of experience in environmental inspection, testing, and remediation.

To protect buyers of both homes and commercial buildings, Mr. Maglanoc provides total and complete mold inspection and testing, including a written report of his inspection findings, mold test lab results, and a mold remediation protocol plan for purchases in Tucson, South Tucson, Tucson Estates, Benson, Bisbee, Casas Adobes, Douglas, Fortuna Foothills, Green Valley, Marana, Nogales, Oro Valley, Safford, Sahuarita, Sierra Vista, Tanque Verde, Willcox, and Yuma.

Mold infestation in Tucson and other southern Arizona houses, apartment, workplaces, commercial buildings, and government buildings is a major health risk for residents and occupants because exposure to elevated levels of indoor mold spores and mold growth can cause over 100 major illnesses and medical problems.

The top dozen mold health problems according to the U.S. Government's General Accounting Office “Indoor Mold” report are:

1. Asthma, asthma triggers, or asthma symptoms (such as episodes or attacks)
2. Upper respiratory tract symptoms
3. Eye symptoms
4. Skin symptoms
5. Allergies or allergic reactions
6. Wheeze
7. Cough
8. Difficulty breathing, trouble breathing, or shortness of breath
9. Infections (including those affecting people who have chronic lung disease).
10. Adverse effects to the nervous system
11. Fungal colonization or opportunistic infections in immune-compromised individuals and
12. Hypersensitivity pneumonitis.

To schedule a mold inspection for a property being purchased, email Mr. Maglanoc at azmoldinspector@yahoo.com, or phone 1-602-757-1918, or visit the websites www.tucsonmoldinspector.com, www.arizonamoldinspection.net, www.moldexpertconsultants.com.


Contact:
Phillip Fry
EnviroFry
10104 Sheridan Rd.,
Montrose, Michigan 48457
Phone Toll-Free 1-866-300-1616
phil@moldinspector.com
http://www.tucsonmoldinspector.com and
http://www.moldexpertconsultants.com

Econotel Launches Website To Warn Men About Serial Internet Love Schemer Filipina Catherine Morin

Econotel Guest Inn announces the launch of the website catherinemorinsy.com to warn men to avoid internet romance schemer ladies from the Philippines who prey upon men seeking to meet a good Filipina for lifetime marriage.

Philippines, November 12, 2014 -- “Athough most Philippine ladies (Filipinas) who seek to meet and marry a foreigner are wholesome, loving, honest, and faithful women, there are a significant number of Philippines-based internet love schemers such as Catherine Morin Sy, of Mabinay, Philippines,” announced Phillip Fry, co-owner of Econotel Guest Inn, a Mabinay hotel that is wrongfully under the control of Sy as a trespassing tenant.

Fry just launched the website www.catherinemorinsy.com to warn men because of Sy’s continuing online presence on multiple Philippine and international dating and matchmaking websites.
Although already married (but separated) to a Filipino and already having at least two Filipino boyfriends, Sy has placed her attractive pictures and personal profile on multiple matchmaking sites over probably the past ten years.

Because Sy is very good in both spoken and written English and very quick to be romantic in initial phone calls and emails with foreign guys who seek to meet a good Filipina for lifetime marriage, Sy has become a serial lover and defrauder of multiple men from the U.S.A., Europe, and Australia.
She is very persuasive in getting the men to buy or loan her what she wants such as big money, a new vehicle, and real estate investments.

After she gets all that she can scam from a guy, she then dumps him to concentrate her time and energy to capture another scam victim. She communicates with many guys at a time to lure them to Mabinay, Philippines, where she illegally operates the Econotel guest inn and restaurant, for which Sy is trying to steal the ownership of from the American co-owners by continually delaying for years her court eviction for non-payment of rent, non-payment of taxes, theft of hotel equipment and furnishings, and failure to properly maintain the hotel buildings.

When her foreign victims realize that they have been victimized and then try to get back their money and assets, Sy keeps her ill-gotten money and other assets by threatening to blacklist the man from entering into, or being in, the Philippines by using her good political connections with the Philippines Bureau of Immigration, one of the many corrupt government agencies in that nation.

Sy will also make up false accusations against the foreigners such as that the man stole something (such as her motorcycle in one case) from her, or that the foreigner is involved in sex crimes.
Because Sy is but one of thousands of Filipinas who are serial internet love scammers, Fry advises men not to use Philippine or international matchmaking internet websites to meet Filipinas.

Instead, visit the Philippines for the three week free visa time allowed for international visitors and go meet prospective Filipinas by such proven ways as attending Catholic or Protestant church services. A man can then introduce himself to the priest or minister and explain that he seeking to meet and marry a good Christian Filipina for lifetime marriage.

The priest or minister will usually be more than happy to introduce the man to suitable marriage partners, all of whom have a good moral reputation in the parish or church and local community.
Other Catherine Sy victims should contact Phillip Fry to work together to get back as much as possible of Sy’s ill-gotten gains, and to protect other foreign men from Sy and other Filipina serial internet love scammers. Email Phillip at mountainvalleyvillage@yahoo.com or visit www.catherinemorinsy.com.


Contact:
Phillip Fry
Econotel Guest Inn.
National Hwy., Bulwang,
Negros Oriental 6207, Philippines
Phone 1-480-310-7970
mountainvalleyvillage@yahoo.com
http://www.catherinemorinsy.com

CashBackCat.com’s Special Report #5 Unveils The Best Days of the Week to Shop Online

Knowing the Right Day to Shop for that New Washer or Laptop Can Save you a Bundle! Plus Special Address “Shopping Online During the Holidays”

Las Vegas, Nevada, November 08, 2014 -- CashBackCat.com in its Special Report #5 has unveiled the best days of the week to shop online to get the best prices on particular items. Plus, they have added a special section “Shopping Online During the Holidays.” In an earlier report John Freeland, President of CashBackCat.com discussed the changing prices of airline tickets and the best day and time to book flights. Tuesday used to be the hands down best day to find a cheap ticket, but things change and now Sunday is the best day to save money buying tickets - Saturday and Tuesday after 3:00 p.m. EST are right behind Sunday. Most shoppers are concerned with - What about everything else? What day can I get the best deal on a new flat screen TV or a laptop computer? When should I shop for a new refrigerator or blender? When finished reading this report those questions will have been answered, and readers will be confident shoppers knowing that they are getting the best deal possible on products, because they are shopping on the best day, to get the best price, using all relevant coupons, using a secondary merchant card (read Special Report #3), using a good cash back credit card (read Special Report #2) and using www.CashBackCat.com for up to 50% Cash Back.

There are many reasons why prices fluctuate for any particular product during the week. But, it isn’t necessarily based on demand. Using computers for example, the best day to get a good deal on a computer is Monday, that is when the prices will be lower. The reason for this is that the electronic manufacturers, like Dell pass on their discounts and rebates to distributors and retailers on Monday and the retailers simply pass that savings onto the consumer. Early in the week and mostly Monday’s are the biggest sales days for computers and electronics. Much of this is caused by chatter or buzz, which by-the-way is no secret to the manufactures and a way for them to statistically measure the popularity of a particular product or brand and their own marketing effort. It’s another way for manufacturers to monitor sales behavior and gain information for future expectations. It’s stated that the best day to do a new product launch is Tuesday, which gives manufacturers a week until Monday and they can start discounting. True believers are buying Tuesday – Friday, paying full price, deal-shoppers on the weekend and the true value-buys on Monday.

By buying the products on the right days you will save between 25-55%. Now if you throw in Coupons, Secondary Merchant Cards, a Good Cash Back Credit Card, (all found on the CashBackCat.com blog at www.blog.cashbackcat.com and shop at cash back website CashBackCat.com, you are on your way to superstar savings.

The Best Days to Shop Online have been compiled through various online articles, private investigation and personal experience in operating the marketing division of CashBackCat.com, and have been corroborated by investigative reports from The Wall Street Journal, Time, CBS News, NBC News, Real Simple and other credible and trusted media resources.

Monday
If you definitely have to buy something, make it Monday. Generally, Monday is the best day for online shopping.
- All Computers: desktops, laptops, tablets, readers, etc.
- All Electronics: Flat Screen TVs, Phones, Smartphone, Cameras, gaming devices, video games.
- Vehicles: Cars, Trucks, Motorcycles, Jet Skies, Snowmobiles.
- Furniture & Home Décor: Sofas, Chairs, Dining Sets, beds and Bedroom Sets.
- Men’s Apparel: Casual Shirts, polo’s, T’s and Athletic workout clothing.
- Women’s Apparel and Bags: Over Coats, General Coats, Jackets, purses and Bags.

Tuesday
To Continue to read the full Report Click Here.

About John Freeland
John Freeland is the President and CEO of www.CashBackCat.com. His goal is to help online shoppers save money by providing amazing cash back rebates, coupons and exclusive deals on everyday items. John blogs at www.blog.CashBackCat.com and can also be reached at John@cashbackcat.com. John is also an investor and owner of various companies in a variety of industries ranging from real estate to ecommerce to investment banking.

About CashBackCat.com
CashBackCat.com is a Cash Back Rebate and Coupon website offering up to 50% Cash Back on over 1,600 partnered stores on its website. CashBackCat’s goal is to save members as much as possible when shopping by using cash back rewards and coupons. Membership is Free and new members receive a $5 Welcome Bonus upon registering. To receive special discounts and cash back deals, sign up for the weekly newsletter, The Smart Shopping Newsletter at www.blog.CashBackCat.com.


Contact:
John Freeland, President and CEO
CashBackCat.com
Las Vegas, Nevada
Direct: (661) 388-1900
john@cashbackcat.com
http://www.cashbackcat.com