Paymentwall, the global leader in monetization solutions for Dating Sites, Games and Web Services, today announced that it was honored at the third annual iDate 2012 awards in Miami, with Best Payment System 2012 award. The award was given to the company that received the most number of votes from Dating Industry experts and executives. OkCupid and Grindr were two other organizations that took home several Dating Industry awards for their innovation.

Following the award ceremony, Paymentwall CEO, Honor Gunday said; We are really honored to win this award especially when so many established companies and partners were also nominated. On behalf of our team at Paymentwall, I would like to thank everyone who has supported us. We will continue to deliver the quality and service our partners and users have come to expect from us.

In 2011, Paymentwall refined, focused, and optimized their products for mobile and online dating as well as released two new products: MobilePay+ and 2-Click Payments. In addition to new products it is Paymentwalls expansive coverage, with 80+ Payment Solutions worldwide, that has opened up new markets for the Dating Industry around the globe. The result? A steady increase in revenue to Dating Sites who utilized Paymentwalls innovative platform.

Paymentwall has made it easy for any website to monetize their goods and services. The platform is adaptable to meet the needs of any revenue model; whether it be freemium, subscription, or a one-time payment. Additionally, Paymentwall offers complete front and back-end support, localization, pricing advice, fraud management, 24/7 multi-lingual customer service for end-users, as well as 24/7 assistance with Integration and Publisher support from their four offices around the world.

Relevant payment options with optimized pricing are shown to end-users through an advanced Geo-IP Targeting algorithm. This enables users from any region globally to pay using their locally trusted Payment methods; whether its mobile payments, landline payments, credit, debit cards, bank transfers, direct debit or prepaid cards. Paymentwall monetizes all regions from South East Asia to Brazil & Latin America, from Russia to the US,Canada, UK, Western & Eastern Europe, Turkey, and China.

Paymentwall is the global payment platform that integrates all local payment types for monetizing content and digital goods. Paymentwall makes it easy for users all over the world to buy digital content, virtual goods and subscriptions. Paymentwall is integrated with more than 80 local payment solutions covering various payment types (credit card, debit card, mobile, landline, prepaid, ATM, terminal, bank transfer, direct debit and offer), available in 18 plus languages. Paymentwall is privately funded, headquartered in San Francisco and with offices in Istanbul, Kiev and Berlin. More information can be found at http://www.paymentwall.com.

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Rising unemployment rates and the exorbitant cost of gas have left hundreds struggling to come up with the fund they need to keep their car properly insured. That’s why over 15% of drivers on the highways today are driving uninsured, 3 million plus in California alone. In an effort to stem the rising tide of uninsured drivers California has implemented an insurance program designed especially for low income drivers known as the California Low Cost Auto Insurance Program.

Unlike regular insurance programs, which are designed to work on a fixed rate premium depending on your circumstances, the California Low Cost Auto Insurance Program (CLCA) works on a sliding scale determined by your income. Drivers that meet the definition of financial need established by the governing authority can aply to be admitted into the program and enjoy the benefits of a low cost insurance policy designed especially to meet their needs.

This isn’t one of those low cost insurance programs designed to persecute the middle class just because they happen to make enough money to keep food on the table and pay their rent on a semi-regular basis. Instead, the program is designed to accommodate the bottom edge of the middle class, with a family of four being permitted to have a combined income of up to $ 50,000-considerably higher than the state poverty level.

With an income level this high the hope is that every driver will take the initiative and apply for the California Low Cost Auto Insurance Program rather than choosing to continue to drive uninsured.

Because California has a mandatory liability requirement for its drivers the CLCA only offers liability coverage as part of its low cost insurance plan. Included in the plan is:

* $ 10,000 Bodily Injury Liability per person.* $ 20,000 Bodily Injury per accident.* $ 3,000 Property Damage per accident.

As you’ve probably already noticed, this is significantly less than California’s minimum liability requirements for drivers. State officials are willing to make a trade off in exchange for dramatically reducing the number of drivers they have out there driving uninsured. Auto insurance companies have no choice about offering this low cost insurance to their clientele, but they reserve the right to keep their coverage levels low to encourage drivers that can afford it to seek regular coverage.

Collision and comprehensive are not included as part of the California Low Cost Auto Insurance Program. You can, however, purchase them separately from your insurance carrier without affecting your eligibility for the program. Most companies do offer you the chance to purchase additional medical coverage and uninsured motorist at a low cost through the program to protect yourself from the people out there who weren’t as quick to pick up on this great deal as you were.

The California Low Cost Auto Insurance Program is an ideal solution for low income drivers who don’t want to have to sacrifice their auto insurance coverage to keep dinner on the table. If you’re struggling to pay your premiums but don’t want to join the ranks of the uninsured contact the CLCA as soon as possible.

“We recently received an application from Angela P. who needed to refinance her California home. While finding out her specific goals for the refinance I learned that she was a foster mom and cared for multiple “crack” babies that had been taken away from their mothers at birth because of testing positive for an illegal substance during labor,” states Gary Rees of GoldMedalMortgage.com“She was trying to utilize the equity in her home to remodel and add a bedroom to make it more comfortable for the two teenage and two newborn children her and her husband care for.”“For their situation I decided that a Pay Option mortgage loan program would give them the cash flow needed to cover shortfalls. It also lowered their mortgage payment over 1500 a month,” continues Rees.A Pay Option Mortgage Loan allows the complete flexibility to decide, every month, which of four mortgage payments you would like to make.This program is ideal for anybody that has fluctuating income such as the self-employed. Pay Option is also an excellent choice if you are looking to buy a new home and want the lowest possible monthly payment, or if you simply just want to lower your existing mortgage payment.The Pay Option Mortgage is a relatively new product that allows you four payment options each month.1. 15 year payment- Pay your loan off and build equity faster as well as save thousands of dollars in interest2. 30 year payment- This option will let you know how much to pay to have your home free and clear in the standard thirty years3. Interest only option- This option allows you to pay only the interest portion of your monthly payment so you can increase monthly cash flow4. 1% Minimum payment-This option allows you to pay your mortgage at a 1% rate of interest for maximum savingsThe Pay Option Mortgage is the absolute best adjustable mortgage product available today. It has built in features that protect you from the typical worries associated with an adjustable rate mortgage. One is the fact that your payment cannot increase more than 7.5% above the previous year for the first five years. Another gives you the option to convert to a fixed rate mortgage after the first three years. With these features in place you can rest easy with your new adjustable mortgage.Here is an example of what a Pay Option Mortgage could for you Estimated Current Monthly Payment – $ 1663.26 New first year payment – $ 833.13 Estimated increased monthly cash flow- $ 830.13 Estimated increased yearly cash flow – $ 9961.52Disclaimer-First years interest rate 1.25%. Interest charged at 3.45% for the first month. APR 3.74% subject to increase monthly. 30-year loan.This loan may have negative amortization. Max increase/decrease in monthly payment is 7.5% per annum for the first five years. This is an ARM product.Example payments based on 7.0% interest rate and $ 250000 loan.“During the loan process I got a chance to visit her home and was really impressed by the cleanliness of both her home and all the kids. I have three of my own and I can tell you it’s a challenge to keep up the house and the kids and the homework.”“Clearly a great family! We decided to waive our fees and pick up the costs involved in this transaction for Mr. and Mrs. P who are providing love and shelter to the innocent children victimized by addiction.” “It was the least we could do for this amazing family that breaks even after buying clothes and food for the kids. For Angela and her husband, this is truly a labor of love!” concludes Rees.For more information on Pay Option Mortgage Loans please call 1-866-398-4664 or go to http://www.goldmedalmortgage52.com

The so called natural facial toners in the market have artificial ingredients like alcohol, fragrance, parabens etc. We have eliminated all that harmful stuff in our skin toners, said Sheetal Rawal, Founder & CEO of Apsara Skin Care, Inc.

At Apsara going green is serious business. The companys tagline sums it all up: Go Natural. It is Good Karma! The companys mission is to formulate skin care products that are as close to nature as possible. Keeping with their green initiative, the company decided to package their facial toners in green spray bottles!

Facial toners are skin care products that tone and revitalize skin. The main purpose of facial toners is to close open pores, which in turn gives skin a very smooth and even appearance. Since toners have astringent properties, they can also disinfect the skin and significantly improve the health, texture, and youthful qualities of skin.

Facial toners are a relatively new concept in the modern skin care industry, but have been around for thousands of years in traditional and ancient systems of personal care. Facial toners available in the market, however, do not conform to the traditional principles, which are highly influenced by nature and purity.

Apsara Skin Care has been successful in reinventing facial toners. Not only do Apsara facial toners conform to traditional principles rooted in nature, they also prove that in the modern skin care industry, safe and effective innovations are possible. Apsara facial toners are based on 100% pure rosewater, which has been esteemed for thousands of years for its pore tightening and skin refining properties. In addition to their rosewater base, these facial toners have essential oils and extracts in them that also give them the functions of a skin tonic. All Apsara facial toners come in spray bottles. A fine mist ensures all over coverage, no product wastage, and no need for cotton balls for application. The toner works on the skin all day to not only keep those pores closed, but also to nourish and revitalize the skin.

Apsara offers four facial toners to cover all skin types (normal, oily/acne-prone, combination, dry/aging). Our skin types are different, so why shouldnt the toners we use, Sheetal responded when asked why Apsara has four toners in the line when most other companies only have one or two. At Apsara website (http://www.apsaraskincare.com) it is quite clear that a one size fits all approach isnt held in high esteem! All products come in at least 4 varieties, so there is something for everyone to pick from. Facial toners are no exceptions.

Some examples of essential oils and extracts used in Apsara facial toners are:

xTurmeric (natural disinfectant, refines skin, high in antioxidants)

xSandalwood (great for bringing skin back into balance, particularly good for acne-prone skin)

xVetiver ( used for thousands of years due to its excellent skin hydration effects, particularly on dry skin)

xEucalyptus (natural disinfectant and astringent, wonderful for balancing combination skin)

Apsara toners can be ordered from the companys website: http://apsaraskincare.com/natural_face_toners.html

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There are a number of structure of getting loan to complete your requirements. Nowadays a number of companies are offering the actual estate backed loan. These types of money disposition are called hornlike money disposition or clannish money lending. These days a large number of clannish companies are taking interest in this type of loans. The rule of thumb is to provide the loan on the total value of the property that is collateralized for the loan. The rates of interests for these types of money lender are such higher as compared to the other banking schemes. The reason behind the higher interest is that these companies do not require any income verification as the normal banking does so that amount of risk is such higher for these companies. This crapper be considered as the asset based disposition which funds only on the evolution of the assets of any person. One most important characteristic of these firms is that they offer their services in the local markets. There are rare companies offering broad hornlike money loans.

California is one of the fasted developing regions. The actual estate businessmen, developers and investors sometime need the money rattling quickly. They have to approach these hornlike money lenders or clannish money lenders to get the money fast. There are many firms in this Atlantic providing funding for the commercials, residential and other types of lands located in the region.

Most of the advertisement properties in the location are looking for the firm that properly provide them the loans quickly as they find it hornlike to get the funding from the regular banking systems. There are two types of clannish money disposition popular in the region:

Residential hornlike loans: these types of loans are ever in high obligation and the rules for these types of loans are tighter as compared to the other types. Most of the companies providing these types of loans are not looking for income verifications.

Land loans: when we speech about the land loan, it mostly considered as the agricultural land based in the agricultural and urban areas. It is hornlike to watch the values of these types of properties.

If you are searching for the hornlike money lender in the region, be aware of the regularly dynamical Market scenario every day by many of these clannish lenders. There are many firms providing these types of service to the people. Loan oak money is one of the firms who are providing the loans for the customers on different types of properties. Loan oak money is among the firms that are providing the hornlike money loans on such easier terms.

Calling 2011 an extraordinary year for new product introductions and growth, Group President, Bayard Closser, recently justified moving the Vertical Capital Markets Groups headquarters to more spacious accommodations at 20 Pacifica in Irvine, California.

While depressed property values continue to bedevil the financial markets, Mr. Closser said his firm is looking to attract new investment dollars into mortgage loan portfolios that, through Vertical Recovery Managements servicing capabilities, may have informational advantages over other property-backed investments such as Residential Mortgage-Backed Securities (RMBS).

As servicing agent, we know a great deal about every single mortgage in our portfolios, Mr. Closser continued. This also gives us the background we need to work with committed homeowners who want to restructure the principal and interest on their loans in an attempt to keep a roof over their heads.

By packaging together whole mortgage loans that banks have been selling off to raise liquidity, Mr. Closser said he hopes to attract investors seeking higher income potential than available through conventional sources. To bolster that strategy, last month Vertical Capital Asset Management (the Adviser) announced the launch of the Vertical Capital Income Fund, a closed-end interval fund, which invests primarily in residential loans that are secured by first mortgages or deeds of trust.

However, these notes are typically sold in groups which are difficult to value. Up to 10% of the loans in the group or package may be delinquent or in default. The Fund will not purchase loans that currently are in foreclosure; however, loans acquired by the Fund may go into foreclosure subsequent to acquisition by the Fund. The Fund will acquire loans of borrowers with varying credit histories and may invest up to approximately 10% of its assets in loans that were classified as “sub-prime” at the time of origination.

Mutual Funds involve risk including the possible loss of principal. There is a risk that issuers and counterparties will not make payments on securities and other investments held by the Fund, resulting in losses to the Fund. In general, the price of a fixed income security falls when interest rates rise. A specific security can perform differently from the market as a whole for reasons related to the issuer, such as an individual’s economic situation, the Fund’s net asset value may be more volatile because it invests in notes of individuals. The Fund is a closed-end investment company with no history of operations. Securities may be subject to prepayment risk because issuers are typically able to prepay principal. The Fund will not invest in real estate directly, but, because the Fund will invest the majority of its assets in securities secured by real estate, its portfolio will be significantly impacted by the performance of the real estate market and may experience more volatility and be exposed to greater risk than a more diversified portfolio. Quarterly repurchases by the Fund of its shares typically will be funded from available cash or sales of portfolio securities. The sale of securities to fund repurchases could reduce the market price of those securities, which in turn would reduce the Fund’s net asset value.

Investors should carefully consider the investment objectives, risks, charges and expenses of the Vertical Capital Income Fund. This and other important information about the Fund is contained in the Prospectus, which can be obtained by calling 1-866-277-VCIF (866-277-8243). The prospectus should be read carefully before investing. The Vertical Capital Income Fund is distributed by Northern Lights Distributors, LLC member FINRA. Vertical Capital Markets Group, LLC and Vertical Capital Asset Management, LLC are not affiliated with Northern Lights Distributors, LLC.

Interval funds are classified as closed-end funds, but they are very different from traditional closed-end funds in that: 1) Their shares typically do not trade on the secondary market. Instead, their shares are subject to periodic repurchase offers by the fund at a price based on net asset value (NAV). 2) They are permitted to (and VCIF does) continuously offer their shares at a price based on the funds net asset value. 3) An interval fund will make periodic repurchase offers to its shareholders, generally every three, six, or twelve months, as disclosed in the funds prospectus and annual report.

Looking for a home loan in the Los Angeles area or Orange County area?You’ve come to the right place!

When you decide to buy a home or refinance a mortgage in LA or the surrounding areas, your search for a home loan or mortgage should start and end here. With so many lenders to choose from in the greater Los Angeles area, and nationally, you need to choose one you can trust to find the mortgage loan that’s best for you.

Sure, there are dozens of big bank mortgage lenders nationally, but you need a lender in Los Angeles. Why? Because we know Los Angeles and the surrounding areas of Ventura, Kern, San Bernardino, Riverside, Orange, and LA counties. We know the local REALTORS

RenovationReady, a national service provider to lenders active in renovation lending, was recently chosen by HousingWire as one of its Giants of Innovation for streamlining and simplifying the renovation lending process and creating new market opportunities for lenders and residential real estate professionals.

According to HousingWire, the nations leading news source on the U.S. housing market, Giants of Innovation are some of the most innovative, forward-thinking companies in the industry.

We are thrilled with this important recognition by HousingWire, and welcome the attention it will bring to our lender partners who understand the tremendous need in the market for renovation loan products, said Jim Fraser of RenovationReady. With an aging housing stock and too many foreclosed properties damaged and uninhabitable, renovation loans are the products for todays market.

FHA 203(k) renovation loans provide the funds to purchase the property as is and finance the repairs. RenovationReady offers lenders a streamlined start-to-finish solution that eliminates the guess work and mitigates the risk of these complex products that require specialized skills to process, close and manage:

Many homeowners are opting for a mortgage refinancing to obtain a better mortgage rate, shorten a mortgage term, or acquire extra cash. Prior to completing a refinancing application, homeowners must understand the process and know what to expect. Here is a quick guideline on how mortgage refinancing works.

What is a Mortgage Refinancing?

If selecting to refinance an existing mortgage loan, homeowners apply for a new mortgage, which pays off and replaces the old. Thus, homeowners have the opportunity to obtain a new mortgage lender. Each lender offers different home loans. Initially, homeowners may have received a bad mortgage loan. Refinancing presents the perfect chance to get out of a bad loan, and attain a mortgage loan with better terms.

Requirements for Refinancing

There are minimum requires for refinancing a home loan. However, to benefit the most from a refinancing, the new mortgage rate should be at least two points below your old rate. If a rate reduction does not occur, it’s not worth refinancing. Furthermore, a refinancing is more suited for individuals who anticipate remaining in their home for several years.

Refinance criterions vary lender-to-lender. Overall, homeowners must have equity in their home and steady employment. If using a prime lender, a good credit rating is required. On the other hand, if your credit score is low, apply for a refinancing with a sub prime mortgage lender. These lenders have a range of refinancing options available to homeowners with a negative credit rating.

Refinancing Costs

Before applying for a refinancing, homeowners should anticipate paying closing fees. Because a mortgage refinancing creates a new home loan, closing costs are unavoidable.

Typical refinancing costs include application fee, title search, title insurance, lender fees, loan origination fees, prepayment penalty, appraisal fee, and miscellaneous fees.

Homeowners may either build a cash reserve to pay for this expense, or select a mortgage option with 103% financing.

Mortgage Refinancing Quotes

To save money on a mortgage refinancing, research different lenders and obtain refi quotes. Quotes are beneficial because they include all estimated costs. Thus, homeowners are not blindsided at closing. You may easily obtain quotes by using an online mortgage broker. Within minutes, brokers provide up to four quotes from different lenders, which include estimates on closing costs, interest rate, terms, and mortgage payments.

You will find many loan modification companies in California and in fact whole USA. Let me tell you one thing that four or five years before they used to charge some money upfront for this reason. On the other hand, according to the California senate bill 94, it has been cleared that no such company can ask for money upfront. Hence now you can go for this type of adjustment and you will definitely have to pay less.

As far as this kind of modification is concerned, you will have to keep in mind that it is done to defend yourself from foreclosure danger. Usually the lending companies out here in this state do not really want to go for the foreclosure. Due to the slump, this problem is unquestionably becoming quite renowned since many people are loosing their job. Most of them are not able to pay back the repayment now.

But with some sort of modification they might be able to pay back the payment. Suppose you are at present having the ARM scheme. This means that you must be paying more interest. Let me tell you one thing that if you are preparing to own a house for longer period then you will certainly have to go for the FRM. Usually the fixed rate mortgage generally carries the lower interest rates as compared to the ARM. For this reason you can always switch to FRM. This is unquestionably a good idea and you will enjoy.

There is one other way as well. It might be that your economic condition is not sound. This means that you are not capable of paying the installment. But you can explain your situation to the lender. There are severe orders from the government that if this is the case then the lender will have to modify the loan scheme.

The latest news related to this topic is connected to our president Obama. He has come up with the Home affordable loan modification program. This might turn out to be very helpful for not only the people of California but for all the US citizens. This agenda will offer help to as many as 7 to 9 million home owners who are willing to pay their installments but are trapped by the bad financial condition.

There are so many peoples who think that the only solution for foreclosure is bankruptcy. But when you will read this article then you will definitely find out that there are number of ways through which you can save your home from foreclosure.