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Chase Bank Limits Cash Withdrawals, Bans International... Before you read this report, remember to sign up to http://pennystockpaycheck.com for 100% free stock alerts Chase Bank has moved to limit cash withdrawals while banning business customers from sending...

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Richemont chairman Johann Rupert to take 'grey gap... Billionaire 62-year-old to take 12 months off from Cartier and Montblanc luxury goods groupRichemont's chairman and founder Johann Rupert is to take a year off from September, leaving management of the...

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Cambodia: aftermath of fatal shoe factory collapse... Workers clear rubble following the collapse of a shoe factory in Kampong Speu, Cambodia, on Thursday

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Spate of recent shock departures by 50-something CEOs While the rising financial rewards of running a modern multinational have been well publicised, executive recruiters say the pressures of the job have also been ratcheted upOn approaching his 60th birthday...

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UK Uncut loses legal challenge over Goldman Sachs tax... While judge agreed the deal was 'not a glorious episode in the history of the Revenue', he ruled it was not unlawfulCampaign group UK Uncut Legal Action has lost its high court challenge over the legality...

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Buyer Group International, Inc. (BYRG: OTC Pink Current) | Management to Release Primer: Management, Discussion, and Analysis in Upcoming Financials Release

Category : Stocks, World News

BYRG (“Company”) to update Management Discussion, and Analysis with Release of Primer: Management, Discussion, and Analysis in Upcoming Financial Update

BYRG management will issue a Primer for MD&A of BYRG in the following days as updates come out.

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MorphoSys Announces First Scientific Publication on Novel Antibody Platform Ylanthia

Category : World News

MARTINSRIED, GERMANY and MUNICH, GERMANY–(Marketwired – May 10, 2013) – MorphoSys AG
(FSE: MOR; Prime Standard Segment; TecDAX) announced today that a
first scientific publication on the Company’s novel, proprietary
antibody
platform Ylanthia was published in the current issue of “mAbs”. The
article
titled “A fully synthetic human Fab antibody library based on fixed
VH/VL
framework pairings with favorable biophysical properties” describes
for the
first time the detailed design, generation and testing of the Ylanthia
library.
Ylanthia became commercially available for existing and new partners in
2012 and
is currently used in two commercial agreements.

Go here to see the original: MorphoSys Announces First Scientific Publication on Novel Antibody Platform Ylanthia

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Skincare With SkinCeuticals: Amplify Your Daily Regimen With Science — Presented by Skincare-News.com

Category : World News

SACRAMENTO, CA–(Marketwired – May 6, 2013) – With the plethora of skincare products available on the market, how can people know what makes one product better than others? It all comes down to ingredients. SkinCeuticals offers science-based products made with ingredients that effectively manage a variety of skin types and conditions. The latest article by Skincare-News.com How to Build a Daily Regimen with SkinCeuticals discusses how to create a new skincare routine or supplement an existing one with SkinCeuticals products.

Originally posted here: Skincare With SkinCeuticals: Amplify Your Daily Regimen With Science — Presented by Skincare-News.com

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Energy bills: prepay meters can cost poorer households hundreds

Category : Business

Customers who have to use prepayment meters are often offered only the most expensive tariffs

Millions of mostly poor UK households are paying up to £300 a year more than customers on the cheapest fuel tariffs, with thousands barred from switching to better deals.

People on standard meters have a choice of online, fixed, green, dual fuel and discounted tariffs, as well as often receiving a discount for paying by direct debit. But energy firms tend to offer just one tariff to prepayment customers, and it is usually much more expensive than the best buys.

How much extra prepayment customers pay depends on which expert you ask. Comparison site Confused.com puts the figure as high as £300 a year, Moneysupermarket just over £200 and uSwitch at about £163.

But it’s not just bigger bills prepayment customers face; there are plenty of other downsides. For starters, if you run out of energy unexpectedly, your supply will be switched off until you press the emergency credit button which gives you time to pop out and top up the card or key.

“With the exception of British Gas, which offers an online top-up service, you have to make sure you are near a shop that offers a PayPoint,” says Clare Francis of moneysupermarket.com. “You will also need to ensure you have enough credit on your meter to carry you through holiday periods such as bank holidays and Christmas when many shops where you can top up are likely to be closed.”

Although energy companies claim many people prefer a prepayment meter as it helps them to budget, paying for energy this way is not always the customer’s choice. In many cases if a new customer fails a provider’s credit check, necessary to be accepted for monthly or quarterly billing, the supplier will insist on a prepayment meter.

Suppliers can also force existing customers on to prepayment meters if they have a significant debt on their account and have not attempted to pay it off or agree a repayment plan. Not letting them in your home won’t stop this happening – they can get a warrant to force entry, and charge you for it too.

Figures from uSwitch show that more than five million households(20%) are in debt to their energy supplier, 6% more than last year. This is not surprising when you consider the average household energy bill is £1,353 a year, almost £100 more than a year ago and £831 more than at the start of 2004.

Once an indebted customer has been switched to a prepayment meter, credit added will go partly towards the existing debt and partly towards the energy they are going to use.

The exact amount customers in debt have to repay each week needs to be negotiated with the supplier. If you receive benefits, the debt recovery rate would not normally be set above the minimum Fuel Direct level of £3.55 a week (Fuel Direct is a support service for those on benefits or low income, who struggle to pay for their energy).

If you have a prepayment meter, and are not in debt to your supplier, you’ll be able to save money by switching to a credit, or post-pay, meter and shopping around for the best deal.

Kate Rose, head of energy at Confused.com, says: “If you are living in a property with a prepayment meter you can ask to have it replaced for a credit meter. However, you will need to pass credit checks and meet criteria such as being over 18, having no outstanding or recent debts to an energy company and be willing to set up a fixed direct debit for future payment.”

If someone has a poor credit history or is struggling financially, switching from prepay can be tricky. At the very least you will need to pay any energy debts before a supplier will switch you over to a post-pay tariff.

Who your supplier is plays a part when it comes to paying for new meters. British Gas, EDF Energy and E.ON all carry out the procedure free, while SSE and Scottish Power charge upwards of £45 per fuel to switch you over. Npower will remove prepayment meters free, but only if the meter has been inherited due to a house move.

If you’re a tenant you’ll need to ask your landlord’s permission before getting the meter changed.

However, prepayment customers can switch to a rival provider’s prepay tariff and transfer any existing debt to the new provider. Last November Ofgem upped the amount of debt that can be transferred from £200 to £500.

While in theory providers compete on price for prepay customers, there’s little in it. Moneysupermarket says the cheapest tariff is from EDF Energy at £1,332 a year and the most expensive, from Scottish Power, is £1,368.

J.C. Penney’s latest survival tactic

Category : Business, Stocks

The retailer drew money from its existing credit line to replenish inventory and for other working capital. Stock bounced higher.

Read more: J.C. Penney’s latest survival tactic

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Talisman Energy Announces Financial Settlement on Yme Project

Category : World News

CALGARY, ALBERTA–(Marketwire – March 12, 2013) - Talisman Energy Norge AS (Talisman), (TSX:TLM) (NYSE:TLM) on behalf of its joint venture partners, has reached an agreement with SBM Offshore to terminate the YME MOPUstorT project, including scrapping the existing above-surface structure, and ending all joint activity for an agreed cost.

Continued here: Talisman Energy Announces Financial Settlement on Yme Project

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SBM Offshore and Yme Owners reach conclusion and financial settlement on Yme Project

Category : Stocks

SCHIEDAM, THE NETHERLANDS–(Marketwire – Mar 12, 2013) – SBM Offshore and Talisman Energy
Norge AS (Talisman), on behalf of itself and
its joint venture partners, have reached a decision to terminate the YME
MOPUstor project, including scrapping the existing above surface structure,
and
ending all joint activity for an agreed cost.

Read more: SBM Offshore and Yme Owners reach conclusion and financial settlement on Yme Project

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Nationwide Increases FlexDirect Interest Rate to Market-Leading 5%

Category : Stocks, World News

Increase in credit interest for existing customers as well as new customers

Here is the original post: Nationwide Increases FlexDirect Interest Rate to Market-Leading 5%

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A Lean and Green Transformation for Swinerton’s New Net-Zero Office

Category : World News

SAN DIEGO, CA–(Marketwire – Mar 4, 2013) – Swinerton Builders San Diego recently opened the doors to its relocated office in Rancho Bernardo. Swinerton transformed a vacant industrial storage facility into a 24,000-square-foot, single-story office space. From the beginning, Swinerton’s goal was to honor its commitment to green building practices by converting the existing tilt-up structure into a highly functional, net-zero energy building, for which they are currently seeking LEED Platinum certification. Swinerton worked with local subcontractors and self-performed portions of the construction work, while teaming with local interior design firm ID Studios to maximize the building’s existing characteristics and incorporate sustainable design strategies. “Our own project team was integrally involved in design and construction of the office and provided great input. It is a much hipper space than we old guys would have come up with!” joked Chris Day, Vice President of Swinerton Builders.

Go here to read the rest: A Lean and Green Transformation for Swinerton’s New Net-Zero Office

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Jamaica agrees $750m IMF loan terms

Category : Business

Jamaica agrees terms with the International Monetary Fund to receive a new $750m loan, as it prepares to restructure its existing heavy debts.

See the original post: Jamaica agrees $750m IMF loan terms

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