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

Mickey and the Plow Horse: Uplifting New Book Empowers Children to Release their ‘Inner Thoroughbred’

Masterfully crafted by Dr. Edward Dreyfus, ‘Mickey and the Plow Horse’ addresses the societal epidemic of people feeling they don’t fit in and plodding through life. Through the inspirational story of an isolated twelve---year---old boy who makes friends with a downtrodden horse, young readers are left believing in their dreams and racing to take on the world with gusto.

Pacific Palisades, CA, November 09, 2014 -- There’s no way to sugarcoat it; millions of adults stumble their way through life feeling they are not good enough, have nothing to offer and simply don’t fit in. Dr. Edward Dreyfus sees this as a modern societal epidemic and, to prevent the next generation from lacking the drive and self-­-esteem they deserve, directly addresses these emotions in a powerful new children’s book.
‘Mickey and the Plow Horse’ transcends a typical children’s picture book to provide a life-­-changing reading experience

Synopsis:

Mickey is a 12-­-year old self-­-proclaimed nerd who spends his time alone with his iPod, iPad, and countless video games. His ongoing struggle with asthma renders him unable to participate in the rough and tumble activities kids his age enjoy, including sports, but that doesn't stop his parents from sending him off to camp for the summer. There he meets Jackson, a lonely and beaten down plow horse. The moment Mickey touches Jackson something magical happens; he discovers that he and the plow horse share a gift that will change their lives forever.

“Through my clinical practice I have personally known dozens of exceptionally-­-talented people who don’t lend life their full potential as they feel beaten down by the world; often the result of a dysfunctional upbringing,” explains Dr. Dreyfus. “In order to survive in a world that rewards conformity, these individuals are simply trying to fit in. They often complain of depression and anxiety. They experience life in black and white rather than in color. Joy is limited. There is currently no book preparing children not to live this life, until now.”

Continuing, “It all starts by helping children recognize their gifts, believe in themselves, their dreams and embrace them. The psychological message I convey counterpoints the emphasis that has been placed on achievement and external rewards at the expense of passion, creativity, and self---expression. Everything is written in language that ten to sixteen-­-year-­-olds will understand; it’s a vital message they need to hear.”

Readers agree, leaving a steady stream of positive reviews. Susan Engelke comments, “know many young people who would immediately relate to the characters in this book. It is sensitive and directly identifies the insecurities of many young( and older) people. It is charming story with wonderful lessons and would be a good read for school age children and their parents.”

Shelly Stein adds, “The way Micky discovers his inner thoroughbred is done in a surprising and fun way. But there is much more to this book. It made me think about the support of family and friends, the need to go forward even if we are afraid, and Brian's philosophy, to live in the moment & enjoy it, win or lose. This book has a lot to tell all thoroughbreds, young & old.”
With the book’s popularity increasing, interested readers are urged to purchase their copies as soon as possible.

‘Mickey and the Plow Horse’ is available now: http://amzn.to/10wWYIs.

About the Author:
Dr. Dreyfus was born and raised in New York City where he attended grade school, high school and college. He received his doctorate in clinical psychology from the University of Kansas in 1964 when he moved to California. He holds licenses in psychology and marriage and family therapy, and is a certified sex therapist. He also practices as a life coach. He is currently in private practice in Santa Monica, California.

Dr. Dreyfus has helped many hundreds of individuals, couples and groups maximize their potential and achieve their goals. As a psychologist he has provided relationship counseling, individual psychotherapy, group psychotherapy, and sex therapy to many people struggling with unhappy relationships, anxiety, depression, phobias, addictions, sexual dysfunction, eating disorders,

existential concerns, chronic illness, and other debilitating emotional and psychological concerns.
As a life coach he consults with individuals who desire to improve their personal lives, businesses, careers, relationships and professions. Life coaching begins where psychotherapy leaves off.
Dr. Dreyfus has published five books, written many professional articles and book chapters, presented at professional conferences, appeared on television and radio, and has often been quoted in State and national publications. He is listed in Who's Who in America.


Contact:
Edward A. Dreyfus
Mickey and the Plow Horse
Pacific Palisades, CA
310-208-5700
docdreyfus@gmail.com
http://www.docdreyfus.com

CashBackCat.com Reveals in a Special Report Their #1 Idea for Saving Big This Holiday Shopping Season!

Knowing Where to Shop is a Start.
Las Vegas, Nevada, November 07, 2014 -- CashBackCat.com has revealed their number one idea for saving big this holiday shopping season. The idea was touched upon in Special Report #2 – Save Time and Big Money This Holiday Season by Knowing Where and How to Shop Online. The report can be read in its entirety by going to the CashBackCat blog at www.blog.CashBackCat.com. The number one idea is knowing, understanding and using the secondary gift card market. There are only a handful of companies involved in this market and we have the two best on CashBackCat.com; CardCash and Raise.

You don’t necessarily have to know which stories you are interested in shopping, you can browse until you stumble upon something that looks interesting. Before you go to either CardCash or Raise, sign-in to your CashBackCat account, both stores pay 1% cash back (at times Double Cash Back or 2% is paid out).

“Raise is a newer company and I decided to check them out myself, since I am all about saving money,” stated John Freeland, President of CashBackCat.com. Mr. Freeland continued, “I thought about what I was going to need for my Christmas shopping and other things I needed around the house. My first stop was the Macy’s gift cards, which there were 49 cards being offered from $14.55 to $847. I found two cards for $400 each at a 12.3% discount. Now I combine that savings with my Discover Card which gives 5.00% Cash Back and then shopping through CashBackCat, which is currently giving 3.00% Cash Back and I am already 20.30% ahead. Now I wait for Macy’s 40-60% Off sales, Black Friday and Cyber Monday sales and I should be sitting pretty well when the shopping dust clears. I also checked out Sears, since my patio table umbrella has seen better days, and I found Sears cards with a 5.00% discount on $500 cards. Most of the store cards start around $10 and can range up to a couple thousand.”

Both CardCash and Raise have thousands of different store gift cards. Here is a small sampling of stores and their discounts that I checked out at Raise. I spent most of my time investigating Raise since it is a newer site.


Home Depot 9.20% Best Buy 7.00%
Nordstrom 2.40% PetSmart 12.50%
Bass Pro Shop 16.00% Walgreens 8.10%
Auto Zone 20.00% Michael’s 22.70%
Kmart 5.30% Bath & Body Works 9.80%
Carters 7.00% Gap 6.40%
Vans 19.10% Brookstone 14.30%
Pier One Imports 16.00% Banana Republic 6.50% Eddie
Bauer 15.40% Restaurants.com 94.6%
($100 gift cards for $5.40)

To Continue to the 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

Save Time and Big Money This Holiday Season by Knowing Where and How to Shop Online – A CashBackCat.com Special Report

CashBackCat.com, a Cash Back, Coupons and Deals website, released a Special Report, “Save Time and Big Money This Holiday Season by Knowing Where and How to Shop Online.”

Las Vegas, Nevada, November 6, 2014 -- CashBackCat.com, a Cash Back, Coupons and Deals website, released a Special Report, “Save Time and Big Money This Holiday Season by Knowing Where and How to Shop Online.”
Do you know which online stores you are going to do most of your holiday shopping? If you know where most of your presents are going to be bought from, you can start planning your purchases now to save time and a boat load of money. Here is what you should start to do now:
1. Find the store(s) you are going to shop at on www.CashBackCat.com. You want to make sure you are getting all the Cash Back you can. Each week CashBackCat posts a new list of Double Cash Back stores on its site. Most recent Double Cash Back sites are listed on the Home Page, but a full list of Double Cash Back sites are listed on the “Double Cash Back” page, which can be found on the top page menu. Each week check the site for Double Cash Back store changes. CashBackCat typically has over 50 Double Cash Back stores at any one time and over 1,600 Cash Back stores are on the site.
SHOP HOLIDAY ESSENTIALS WITH 2X CASH BACK (from the Home page)

2. Confirm that you are getting sales and promotional emails from CashBackCat. “The over 1,600 merchant partners notify us of sales and promotions on a weekly and many times daily basis. We review their sales and promotions and forward the best deals to you. Many of the promotions are 50% to 90% off their offering. All you have to do to get our emails is to sign-up as a member. Once you are a member you will receive the best sales and promotions our partners have to offer,” stated John Freeland, President of CashBackCat.com. You will also automatically qualify to participate in drawings and contests.
From time to time we will email you if a merchant is having a Flash Sale or one day special promotion.
3. Per chance you miss any of the scheduled emails; you can always find them posted on our blog and Facebook. The blog is on the website or you can go there directly by typing in www.blog.cashbackcat.com.
4. If you know which store(s) you will be shopping, your next step would be to check out the CardCash store on CashBackCat.com. Not only can you save up to 35% on your store gift card, but you will also receive 1.00% Cash Back from CashBackCat. For example, if you know you will be doing most of your holiday shopping at Macy’s and it’s going to cost you $2,500, simply find a Macy’s card for that amount. Not only will you be purchasing that card at a discount, but you will also receive 1.00% Cash Back. Most importantly, when you have your card and you are ready to shop, sign-in to your CashBackCat account, find Macy’s, then click “Go to Store” and receive up to 3.00% Cash Back on your Macy’s purchases. Let’s break it down in steps:
Step 1 - Sign-in to our CashBackCat account.
Step 2 - Find CardCash store (listed in the “Credit Card” Category, left column)
Step 3 - Click “Go to Store”
Step 4 - Find and purchase store(s) gift cards, up to 35% face value savings.
(Receive 1.00% Cash Back of principle amount of gift cards purchased)
Step 5 - Return to CashBackCat.com with your new store gift card(s), sign-in.
Step 6 - Find your gift card store(s) - Click “Go to Store”
Step 7 - Shop at stores using your gift card(s) and receive up to 50% Cash Back from CashBackCat.com.
CardCash is a leader in the secondary gift card market. They have thousands of discounted gift cards in stock to help you save money. They also buy back cards, up to 92% of value. So if you ever get a gift card from a store you will never use, go to CardCash to get some cash. Remember to sign-in to your CashBackCat account to get your cash back, and then click on the “Go to Store.”
To Continue to 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

FAAIF Announces Sponsorship of Mediterranean Summit of Islamic Finance in Barcelona, Spain

CEO of FAAIF Camille Paldi will discuss Islamic finance and Takaful (Islamic Insurance) at the upcoming Spanish forum on Islamic Finance on November 28, 2014.

Dubai, UAE, November 07, 2014 -- Paldi says the Mediterranean Islamic finance summit will bring together the main financial and banking firms, insurance companies and mediators, friendly societies, and brokers and investors under one roof to discuss prospects of Islamic finance and Takaful business in Europe and the Mediterranean. The session themes include ‘Islamic Finance – New Frontiers, New Opportunities: What are the Advantages for the Mediterranean Region? And ‘’Takaful or Islamic Insurance in the Mediterranean: A Coming Age.’ The forum is to take place in Casa Llotja de Mar in Barcelona, Spain.

Takaful, or Islamic insurance, is a cooperative scheme, where in which the participants pay a premium in the form of donation or tabarru in a common pool in return for the ability to draw upon that pool upon a valid claim. The word takaful originates from the Arabic world kafalah, which means "guaranteeing each other" or "joint-guarantee." The basis of shared responsibility is taken from the system of aaqilah, which was an arrangement of mutual help or indemnification customary in many tribes of the Arab world. Under this system, if a member of a tribe was accidentally or unjustly killed, the murderer was obliged to pay blood money (dia) to the deceased's next of kin as a form of life insurance for the deceased's relatives.

The purpose of 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. Furthermore, it is possible to make a return on funds invested by the takaful managers in addition to the fact that the funds remaining in the takaful fund on maturity of the policy are distributed back to the participants and operator or participants only depending on the type of takaful management model utilized by the fund. Paldi says that takaful has the potential to become a popular mass consumer product in Europe and the Mediterranean. 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

CashBackCat.com Completes Study of Compounded Cash Back

Cash Back can Put Child Through College or Buy That Condo in Florida.

Las Vegas, Nevada, November 05, 2014 -- CashBackCat.com has completed a Special Report studying the cash back earned by shoppers. Instead of the cash back being spent, what happens if the cash back was saved and earned compounded interest?

How important is getting cash back on every purchase you make and keeping it, instead of spending it, sock it away for your child’s college education or for your retirement. Here are the facts, the numbers don’t lie.
These figures are derived from customer behavior and statistics from CashBackCat.com, a cash back and deals website.

If you are a periodic, moderate online shopper and you earn $100 a year in cash back rebates each year and you invest that $100 each year for the next 20 years you will have earned $5, 017.03 (assuming your investment was in the S&P 500 (Standard & Poors 500), the stock market benchmark, which earned 7.4% per year on average over the last 10 years.)

If you are a regular online shopper and you earn $500 a year in cash back rebates and you invested your $500 each year over the next 20 years you will have earned $25,085.16 (again, using the S&P500 average annual return rate of 7.4%)
If you are an active shopper, you would earn roughly $1,000 a year in cash back rebates. If you invested those each year for 20 years you will have earned $50,170.33, providing you received the rate of return of 7.4%.

Want to retire with a Free Gift of $370,878.61? All you have to do is start at 25 years old investing your $1,000 a year in cash back, each and every year, then at 70 years old you will have a windfall of almost $400,000. For some of you 70 sounds like a long way away, but you will see how fast the years go by after 40. The great thing is, is that anybody can do this, it’s free money being invested with the super power of compounding. You can use this money for your child’s college fund, put it in your IRA or Roth IRA, or simply into an investment account.

Investing in a 529 College-Savings Plan will allow your after-tax contribution to grow tax-free. Earnings can be withdrawn without tax liability as long as you are paying college expenses. To get more information on 529 Plans talk to your financial advisor. If you do not have a financial advisor, ask your friends or family members for a referral. Stick with a large reputable investment firm.

Investing your Cash Back in your IRA or Roth IRA is also a top solution. Investing in your IRA will allow your Cash Back investment to be a deduction and un-taxed and allowing the contribution to grow tax-free. You will have to pay taxes on your earnings when you begin withdrawing. A better alternative to your IRA is the Roth IRA. With the Roth IRA you use your post-tax Cash Back, yet your contribution grows tax-free and any and all withdrawals are tax-free. Ask your investment advisor for more details and also ask for the best “No-load” fund or ETF (Exchange Traded Fund) that invest in the S&P 500. This way you don’t have to be worrying about your investment. Just invest it and forget about it. Do not touch this money unless you have met your goals. If your goal is to not touch this money until you are 65 – stick with it. If your goal is to save up for that once in a lifetime vacation, well then take it and enjoy.

To continue to 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

FAAIF to Sponsor EU Islamic Banking and Finance Summit in London, UK November 18-19, 2014

CEO of FAAIF Camille Paldi says the potential for Islamic Finance in Europe is Huge.

Dubai, UAE, November 05, 2014 -- Camille Paldi, CEO of FAAIF is excited to announce sponsorship of the EU Islamic Banking and Finance Summit in London, UK to be chaired by Sheikh Bilal Khan. Paldi says the time is now for Islamic Banking in the UK and continental Europe. The UK and Luxembourg have both issued successful sukuk many times oversubscribed, bringing in needed cash and funds for UK and Luxembourg businesses. Paldi also comments that European countries can bring in a lot of funds for government, infrastructure projects, and businesses through issuing sukuk (Islamic Bonds) and engaging in Islamic finance business. In addition, Paldi notes the immense potential of takaful or Islamic insurance as a business opportunity and mass consumer product in European markets. The people of Europe can benefit greatly from these innovative modes of finance and structures, which are absent of interest.

Paldi notes that fiat money may have been an invention of private bankers with the purpose of stealing the wealth of ordinary citizens through interest, inflation, and tax. Paldi adds that a financial system, which allows and promotes money to money transactions may encourage a small percentage of society to exploit the rest of society to the maximum. In regards to this situation, the money-commodity transactions of Islamic finance promotes trade, productive activity, distribution of wealth across society, justice, and a society free of exploitation and manipulation of financiers whose aim may be to profit off of people through interest and to steal the wealth of the people through various mechanisms. Paldi notes that this philosophy of interest free financing can be traced through the Holy Books including the Bible and the Torah. Therefore, Paldi proposes to call this form of finance Holy Book Finance as it also derived from and follows Christian and Jewish Laws.

Paldi says that there is an exciting line-up of speakers for this event including CEO’s of major Islamic Finance Advisories and Partners from leading UK law firms. In addition, Paldi comments that the UK and Luxembourg sukuks will be studied in detail and the European legal and regulatory framework of Islamic finance explored. Paldi says this conference may be beneficial to anyone wishing to tap into the European Islamic Banking and Finance market.

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

Wrongful Auction Lawsuit Filed Against Public Storage

A wrongful self-storage auction lawsuit has been filed against Glendale-based Public Storage (NYSE:PSA) in Los Angeles Superior Court.

Los Angeles, CA, November 05, 2014 -- A wrongful self-storage auction lawsuit has been filed against Glendale-based Public Storage (NYSE:PSA) in Los Angeles Superior Court. Case #BC562265 alleges that a Public Storage customer who rented a storage unit from Public Storage was subjected to a wrongful storage contents auction in which her property was wrongfully auctioned off, in violation of California self-service storage laws. This wrongful auction involved the selling of property stored in a rented locker as well as a dispute over the sanitary conditions of the Public Storage facility located at 3625 S. Grand Avenue in Los Angeles.

The suit alleges that Public Storage failed to meet certain legal requirements before the plaintiff's personal property was auctioned off in violation of California's Self-Service Storage Act. Superior Court Case #BC562265 claims breach of contract, negligence, and conversion of goods and asks the courts to inflict severe punitive damages.

In support of the plaintiff's lawsuit, email correspondence from Denise Aguirre, Public Storage District Manager and Kathleen Jarnagin, Public Storage Regional Manager was submitted to support the plaintiff's claim that her goods and property were sold after she submitted a Declaration in Opposition to Lien Sale. A hearing on the lien sale was scheduled for December 30, 2014 yet Public Storage decided to auction off the plaintiff's personal property in advance of the hearing.

The lawsuit alleges the lien sale to be a clear violation of the California Self-Service Storage Facility Act which outlines a specific timeline storage operators must follow once a declaration in opposition to the lien sale is received.


Contact:
Sherrie Daniels
Keys vs. PSA. Corp.
442 South San Pedro Street
Los Angeles, CA 90013
(310) 462-2195
publicstorageplaintiff@gmail.com
http://www.publicstorage.com

What’s the Best Day to Buy Airline Tickets? CashBackCat.com Releases Special Report

Prices can Change Up to 25% Depending on Which Day of the Week.

Las Vegas, Nevada, November 04, 2014 -- CashBackCat.com released a Special Report “What’s the Best Day to Buy Airline Tickets?” According to John Freeland, President and Founder of CashBackCat.com, shoppers can save up to 25% on ticket charges depending on which day of the week they purchase.

Everybody is flying everywhere these days and the airlines could not be happier. Oil prices are down and jet fuel is the lowest it’s been in a long time. You are saying to yourself, fuel prices are lower therefore airline tickets are going to be cheaper now, since fuel is the biggest costs. If you are thinking like this, it makes the airlines shake their head, hoping you will make your plans and book your tickets. However, the airlines are not lowering seat prices based on fuel prices, at least not yet, but throughout the week, based on historical demand, ticket prices can fluctuate as much as 25%, meaning that savings can be in the $100s per ticket depending on which day you purchase.

About 16 years ago a new discount airline came on the scene and it was like no other discount airline; brand new planes with television screens for each seat and plenty of leg room. Yes, Jet Blue came on like a storm and they were cheap. I began flying Jet Blue out of the Long Beach, California Airport at least twice a month for business, and I loved it. I was flying direct from Long Beach, California to Fort Lauderdale, Florida and at times to New York direct from Long Beach. No more inconvenient connections through Dallas or Chicago or hassling with LAX. Jet Blue set the standard with new and clean jets, great cabin service and inexpensive flights. The company was even profitable for the first few years. Why couldn’t the industry follow Jet Blue’s strategy? But, all the airlines were saying, “Just wait and see.” And then it happened, after the first few years Jet Blue started showing losses and just like the others, they raised their prices and were no longer a discount airline. I was disappointed to say the least, because my Long Beach flights became more expensive than the LAX flights, I was stuck traveling out of LAX again and battling the 405 traffic. During those hectic years I only missed two flights as a result of freeway traffic.

Why couldn’t Jet Blue make a profit and keep their seat prices low? It’s all the variables costs; if they are all working in your favor, the stars aligned, then you get an airline that can keep low fares with excellent service and remain profitable. The early days of the Jet Blue phenomena are gone for good and Rick Seaney of FareCompare.com says there are nine factors why.

Why do tickets cost so much and what is the best day to purchase my airline tickets?

To Read the Full Report 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 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

There are Tremendous Possibilities for Microfinance in the United States, Europe, and Australia

CEO of FAAIF Camille Paldi sponsors and presents at the 4th Annual Global Islamic Microfinance Forum November 1-2, 2014 in Dubai, UAE.

Dubai, UAE, November 03, 2014 -- CEO of FAAIF, Camille Paldi, states that there is a tremendous opportunity for Islamic microfinance in the United States, Europe, and Australia, the implementation of which can simultaneously help people in the United States, Europe, and Australia while promoting a positive image of Islam. At the Global Islamic Microfinance Forum 2014 produced by Al Huda Center of Islamic Banking and Economics and Akhuwat in Dubai, UAE, Paldi introduced several innovative microfinance concepts, which can be implemented in the United States and elsewhere.

Paldi explains that it is possible for an Islamic bank to donate an asset for a sukuk transaction, the proceeds of which may go to fund a microenterprise, food bank, homeless shelter, or orphanage. In addition, Paldi suggests securitizing US Student Loan Debt and floating the package in the bond market. Either an Islamic Bank can donate the underlying asset for the transaction or the student loan holder can promise to pay i.e. 5% of monthly pay-check for five years. The Islamic finance industry can then hold an annual Charitable Sukuk Gala and present awards for the best micro-sukuk and the best US student loan recovery sukuk etc. Paldi also brought up the idea of an Islamic mortgage default program, in which the fund members who are about to default on a mortgage payment can apply for interest free loans to cover the payments. The mortgage default takaful fund can be financed through murabahah penalty payment charitable funds of Islamic banks, seed funding, venture capital, or by the return on investment due to the takaful operator after distributing ROI to the takaful participants. The fund can also help people who have had their homes foreclosed or who have recently been evicted. Paldi says it is also possible to create an Islamic waqf charitable endowment with donated land from the Islamic world in order to provide free University education in the United States as well as to fund homeless shelters. In addition, Paldi mentions that it is possible to convert donation based entities such as food banks and homeless shelters into business enterprises by simply taking the tax-free donations and investing them into Shari’ah compliant funds, thereby providing a return on investment to the people who give donations as well as raising funds for the charitable entity, transforming it into a charitable enterprise. In addition, it is possible to introduce Islamic micro-startups funded by seed money and crowdfunding and Angel Investors for microenterprise. Lastly, Paldi suggests setting up an Islamic medical fund for US Veterans, as many US veterans currently lack access to health care, jobs, and homes. In fact, Paldi says it is possible to create Islamic Veteran Center Enterprises that provide jobs, healthcare, support, and housing for veterans in the United States who lack access to employment, healthcare, housing, and face discrimination for various reasons.

Overall, Paldi says the United States and other Western countries can benefit greatly from Islamic microfinance concepts, especially in the face of massive corporate expansion, a failing financial system, increasing levels of debt, and the lack of access to business financing for the small to medium business person. Paldi also states that as a US citizen, she is from a country of pioneers, entrepreneurs, and innovation and that her ideas and skills will be welcome in the United States and the western world. 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

Ebola, Germ, & Toxic Mold Decontamination Expert Fry Joins 2 Hospital Associations, Announces E.H.A.

The Environmental Hygienists Association announces that its executive director Phillip Fry is now an associate member of the Association for the Healthcare Environment (American Hospital Association), and a professional member of the American Society of Professionals in Patient Safety.

Montrose, MI, November 03, 2014 -- Phillip Fry, executive director of the Environmental Hygienists Association (E.H.A.) and building decontamination specialist, is now an active professional member of both the Association for the Healthcare Environment (American Hospital Association), and a professional member of the American Society of Professionals in Patient Safety, announces the Environmental Hygienists Association.

Mr. Fry’s specialty is the preventative and remedial decontamination of hospitals, medical centers, nursing homes, hotels, office buildings, other commercial and governmental buildings, and residences to kill and get rid of Ebola virus, other viral and bacterial building contamination, toxic mold, and bioterrorism threats anywhere in the U.S.A., Canada, United Kingdom, Europe, Middle East, Africa, Asia, Australia/N.Z., Caribbean nations, and Central and South America.

Phillip Fry is a Certified Environmental Hygienist, Professional Industrial Hygienist, Certified Decontamination Specialist, Certified Mold Inspector, Certified Mold Remediator, Certified Environmental Inspector, Certified Remediation Specialist, Certified Air Duct Air Duct Specialist, Certified Ozone Professional, and international mold expert.

Mr. Fry has served the National Institutes of Health (U.S. Public Health Service), and he was the administrator of a USA hospital and medical center, and a successful real estate developer. Phillip holds a B.A. degree in social studies from Case Western Reserve University, Cleveland, Ohio.
The Environmental Hygienists Association provides training and certification for individuals who wish to be trained and certified as a Certified Decontamination Specialist. Training and certification can be done on-site at a client location worldwide, or online at www.decontaminationgear.com and www.ecology-college.com, or at the E.H.A. international training center in Montrose, Michigan, U.S.A.

To contact Phillip Fry for either preventative and/or remedial decontamination, or mold and environmental inspection, testing, and remediation, of hospitals, medical centers, nursing homes, lodging facilities, other commercial and public buildings, or homes, email phil@moldinspector.com, or phone toll-free 1-866-300-1616 (USA and Canada), or 1-810-639-0523 (for international calls), or cell phone 1-480-310-7970, or visit www.moldexpertconsultants.com.


Contact:
Phillip Fry, Executive Director
Environmental Hygienists Association
10104 Sheridan Rd.,
Montrose, Michigan 48457
Phone Toll-Free 1-866-300-1616
phil@moldinspector.com
http://www.decontaminationgear.com and
http://www.moldexpertconsultants.com