Derivatives are financial instrument which allow people to take risk of future price and then create trade of a commodity, loan and mortgage.   It has come into practise several years ago.  At that time it was used as a hedge against risk but unfortunately today it has changed to very risky and unregulated usage for same.  If you want more detailed information on this subject then you can visit www.jobenomics.com

Several years ago, derivatives started due to risk in the agriculture sectors.  Small farmers never had money to put in their fields like buying seeds.  Before the planting season starts they had to go to the merchants and sell their crops for some discounted price. In return merchant used to give them money in advance and again sell that crop to the grocers for a price which included his profit.  Here both the parties derived at a fixed price.  This was the beginning of the concept of derivatives.

At that time this situation was very common and because of this facility a farmer got money for his plantation.  There were many people involved in this process.However there was one risk involved  in the case of drought or flood where there may not be any substantial growth of crops.

According to Warren Buffet, derivative is a financial weapon of mass destruction.    This was his opinion in the year 2003 and he was right as 2008 -2009 recession was because of unrealistic usage of derivatives.  Today even after experiencing recession, derivative is still popular and a part of our economy.

Most of the people in our country are not aware of Derivatives.  Very few people know the real meaning of derivatives.  In the Wall Street, a derivative is used as a financial instrument and for common people who stay in Washington, derivatives are the political problem which brought down the US economy.  The website www.jobenomics.com  will give the correct meaning of the current situation to the common people.

The US government is the largest trader of derivatives in the global secondary market and this is the main reason of the collapse of the US financial system.  Today real estate derivatives are their main source of income when it comes to home mortgage.  They get very high amount in the form of fees and guarantees.

When a person puts his money in derivatives, he is actually placing a bet that the value of that commodity or a real estate will increase or decrease in future by an amount after a certain period of time.  While buying it both the parties will sign a contract that they will buy or sell an asset in the future.  One of the most important things in this contract is that for selling an asset a seller need not be the owner of the asset. 

There are many types of derivatives but the most common derivatives are futures in which you need to do futures contract. It allows the owner to buy or sell the asset on a given date only.  He cannot sell or buy the asset on any other day.  The second most popular type of derivative is the options contract where the owner has an option to buy or sell an asset either before or on a prescribed date but for the specific rate.

There are many signs that indicate that we are experiencing a V-shaped economic recovery. World market capitalization and stock market are showing positive trends. Big banks are recovering and annual deficit spending is decreasing. However, the recovery is not robust. It is only a moderate one and it will take years before our country gets back to normal. Unemployment, status of our currency and public and private debt are the dominant factors in economic recovery.   Jobenomics is an excellent piece of writing by Chuck Vollmer, which lets us understand the viable ways to get economic recovery. We can find a lot of useful information by reading this book.  If you want to buy it, just visit www.jobenomics.com to get additional details.

The Fed, Treasury and FDIC are providing stimuli, bailouts and buyouts to speed up the economic recovery. By the end of 2010, most of the funds will likely be spent. However, we are experiencing several problems like high unemployment rate, dollar status and public debt, which hinder the recovery process. Unemployment rate above 10% will become a serious issue, which could destabilize consumer spending and investor confidence.  The international organizations are already devaluing our currency and forcing for a new reserve currency. A weaker currency can help to make our exports stronger, but we still import more. If oil imports increase by $50 per barrel, due to a weaker currency value and increased demand, we need to spend $219B extra every year. This money could be spent productively on some other purposes.

Public debt worth $12.9T and private debt worth $16.5T could suppress capitalization, which is important for business growth and expansion. The sum of private and public debt is twice the size of our annual Gross Domestic Production. As more and more attention will be given to debt servicing, production of goods and services will receive less attention. However, producing goods and services is crucial to economic growth.

Our country is recovering after two years of struggle. The duration of the Great Recession was about two years and a stable economic recovery will take a long period. Economy can be distressed in many ways. Fluctuations in monetary policy, asset bubbles, financial crises, recessions and oil shocks can affect economy significantly. The Great Recession was in fact a combination of a financial crisis, recession, oil crisis, asset bubble and monetary fluctuation. Hence, it will take more time to recover fully. High demand for capital and resources in rapidly growing markets like China and loss of manufacturing competitiveness in our country can make recovery very difficult.

The 1982-1983 Recession’ recovery was strong. Nearly two million jobs were added to the workforce in the fourth quarter of 1983. However, it took another five years to reduce the official unemployment rate to a normal range.  Recovery after the Great Recession is moderate, so it will take even more time to reduce the unemployment rate to a comfortable level.

Jobenomics analyzes the dominant factors in economic recovery and suggests the practical ways to come out of the crisis. It is an excellent read for people, who have interest in protecting the future of our country. You can get a copy of this book from www.jobenomics.com

The aftereffects of an economic downfall have been felt by every American. In fact till date any of our countrymen (except for the politicians) cannot truthfully warranty a total economic recovery or even put a realistic, affordable time limit on it. The real question on hand is the path to be taken in such an uncertain period. The doubt lies in the sector of investment as some sort of investment say in movable or immovable assets are necessary to build a stable economic portfolio. Therefore a detailed discussion with a financial planner is of prime importance. To read more on the recovery assumptions in America, go to www.jobenomics.com

The positive effects of hiring the services of a qualified financial planner far outweigh the cons if any. A financial planner would be in the best position to lay the cards out for the investor to take his pick and would also he would also be able to offer directions to the same. It is absolutely important to be on the right page with your financial planner as it would give him a better idea of your expectations from the market. In our country at the moment a lot of economists are hell bent on predicting the future of our economy. The honest truth is that absolutely nobody could certify the answer to that question. It is not only difficult but impossible to predict the direction in which we are going due to the complicated global level intricacies involved.

The overall conditions have created certain possible outcomes nonetheless. One of these is the V-shaped recovery strategy, the same one being floated by the government. As expected it provides a very rosy picture and does include certain benefits for the investor. It depends on the assumptions which include a difference of 6% in the GDP and a difference of 5% in the unemployment area. The American market has been doing fairly well as it has recorded a steady rise in the stocks. It is simply according to the laws of physics that the greater the ball drops, the higher it raises.  Know more about this at www.jobenomics.com

In case of a W-shaped recovery the whole equation pertaining to investment changes. The real estate assets bubble would not be able to sustain much longer. A sharp unprecedented rise in the stock markets has been recorded right after the recession. Such momentum is extremely difficult to keep up and thus the market could turn volatile any day. In such a scenario the best thing to be done is to get rid of all the debts as early as possible. It is the nature of debts to slowly but surely eat in to your savings via increasing interest rates, mortgages and other technicalities. It is thus wise to invest conservatively.

An L-shaped recovery strategy paints a cumbersome picture to those already burdened with debt. This would mean a loss for absolutely everyone. Some would obviously loose more than others and in such a case all sorts of assets will become useless and cash would be the answer. The real economic power would stay in the hands of people having cash in their hands.

Chronic unemployment is the biggest problem faced by our country today. More than 11 million Americans are receiving unemployment benefits now. Half of them are receiving compensation for more than 26 weeks. The Federal government extends the unemployment compensation period to 99 weeks in some areas, where high unemployment problem persists. A few states need worker contributions, but unemployment compensation is funded largely through employer taxes. This adds the additional pressure on job creation sector in our country. In order to solve these problems, we first need to understand the effects of long term unemployment. Jobenomics, an excellent price of writing written by Chuck Vollmer gives plenty of details that help you to know employment crisis and job creation better. If you want to buy this book, just follow this link www.jobenomics.com

It is estimated that nearly 100 million Americans (one third of total population) receive some form of benefit relating to long term unemployment. Unemployment compensation, food allowance, housing assistance, Medicaid, free cell phones, educational benefits and other cash programs are included in the safety net benefit programs of our government. They exclude only Social security and Medicare benefits.  Our government is spending nearly $500 billion per year in these programs. If long term unemployment persists, the government may need to give permanent entitlements, instead of temporary reliefs.

One of the US Senators tried to reduce unemployment compensation in March 2010. He faced severe protestations from the public, who blamed that he was too unsympathetic to cut these benefits. Even the members of his own conservative party did not come to his rescue. Washington politicians have learnt a lesson from this. They have understood that unemployment benefit is an emotional issue and it is better to consider it as an entitlement.

The number of people who are unemployed for long term (more than 26 weeks) has increased from 3.7 million in April 2009 to 6.7 million in April 2010. The median duration of long term unemployment has increased from 11.7 weeks to 21.6 weeks. If this situation continues, it will be the major factor in determining our budget. Many long term unemployed are in real danger now. The effects of unemployment are often chronic. When the unemployment benefits have exhausted, they have no other way except borrowing from their friends and family and selling precious valuables. Enhancing the period of unemployment benefits will not offer a solution to this problem. Creating high value, enduring job is the only possible way to get rid of this problem.

The number of jobs available for unemployed is reducing significantly. In the last decade, one in two applicants got a job. Now, only one in six applicants is getting a job. The problem is severe for unskilled workers. They have to wait for a long time even for applying for a suitable job. Jobs creation in private sector can provide a solution to this. If we do not create new jobs, the number of workers moving from employment to underemployment, unemployment and long term unemployment will increase rapidly.

Chuck Vollmer’s Jobenomics book supports the 20 million jobs by 2020 campaign. It specifies the ways to implement it in a simple language. Get your copy of this informative book by visiting www.jobenomics.com

The annually held medcical conference on International Breath Analysis Meeting this year will be taking place in the United States October 29 – November 4, in Sonoma, California. This University of California at Davis event provides a platform for innovators to display their latest innovations and technologies in healthcare.  As human breath analysis further develops as a multidisciplinary field it is clear that sensor development, instrumentation systems, and algorithms play critical roles within this medical research area. Although much emphasis in the last decade has focused on breath biometric compound identification and physiological relevance, there is a turn of attention towards portable, fieldable sensor platforms for non-invasive breath monitoring. Topics will include technologies for screening for diseases like cancer and infections by breath analysis.  In a phone interview today, the organizer of the event, Cristina Davis PhD, stated “there will be a wide variety of attendees at the conference with both small and large companies, plus representatives from government and universities.”

The purpose of this international workshop is to assemble a group of leading experts around the world in this field to discuss their own research, debate trends, and future directions in the field. They will also contemplate areas of research that deserve special attention in the field moving forward. This year's conference attendees are coming from 18 different countries including 14 different states in the United States, from over 50 cities from around the globe. Over 20 companies ranging from startups to mid to large corporations will be present including over 10 government agencies and laboratories and over 40 academic universities and medical centers.

The workshop begins with Nick Kenyan and his discussion of clinical breath testing as a multidisciplinary field for engineers, clinicians, scientists and entrepreneurs. Jochen Schubert will speak on biomarkers and non-invasive biochemical analysis. Michael Epton from Australia at Christchurch Hospital will speak on and moderate topics on tuberculosis and other infections, plus breath markers for tuberculosis, specific volatiles for tuberculosis detection, and detection of tuberculosis with specific techniques and arrays. 

Additional topics will be presented, including one by Perena Gouma that will include personalized breath diagnostics, based on selective chemosensors.  There will also be topics of screening for Cystic Fibrosis, drugs, evolution of metabolites in breath, ways of using gas chromatography, analysis of different chemicals including ammonia and ketones that can help with the care of intensive care patients, as well as ways to assess pulmonary function. 

There will be a presentation at the medical conference by Pascal Girard of Oracle on how to deal with big data. Oracle's new work with the National Cancer Institute and how it can help the breath analysis community.  Other topics will include measurements of metabolites for cancer detection including DNA and RNA markers of cancer in breath samples.

October 18, 2012 (New Orleans, LA)– In today’s data-driven society, more people are using both print materials and online resources to help make their purchasing decisions. This has created a strong need for businesses to engage in both Internet marketing and offline marketing efforts. For small businesses, a dual approach has previously been difficult as both approaches tend to require significant investment to be worthwhile. Now, Infintech Designs has taken this need and met it by offering both offline marketing materials and search engine marketing resources for small businesses to help them stay more competitive on a shoestring budget.

Offline, small businesses use their presence at trade shows and around the community to help build brand awareness. This involves handing out brochures, hanging up flyers and sending out direct mail. When consumers get this, they are met with graphics and messaging that immediately give an image of what that business offers and what the brand stands for. For interested customers, a search online to learn more is not an uncommon next step.

When consumers go online, they expect to see the same images and graphic designs. This includes website design and search engine optimization so that the company can easily be found when the customer does their investigative search. A dual marketing campaign, such as that offered by Infintech Designs, helps make this more effective. By having the same designer create graphics for a website that are similar to those on print materials, a company is able to promote a stronger brand and maintain efforts across both mediums. This helps small businesses enhance their branding efforts so that they can create a more well-recognized presence in their communities faster and with less investment.

Infintech Designs is proud to announce this merged service. Through this service, consumers get access to a single marketing company to manage online campaigns as well as graphic design for offline marketing materials. By using one company for all marketing efforts, small businesses get help to create more effective campaigns at a lower cost, which can have a dramatic effect on the bottom line.

About Infintech Designs: Infintech Designs is an all-inclusive marketing company delivering both online and offline services to small businesses. With their innovative approach, businesses are able to go through only one marketing service to streamline efforts in print and on the Internet. This helps small businesses without a marketing department save costs and compete with high level marketers. For more information on their services and to view their portfolio of webpages and graphics, visit their website at www.InfintechDesigns.com

Contact Person: Brian Hong

Phone: 504 717 4837

Email: info@Infintechdesigns.com

Website: http://www.InfintechDesigns.com

Address:  

Infintech Designs
3110 Magazine St., #120
New Orleans, LA 70115

North Vancouver Home Sold by Richard Morrison Sells for $1.725 Million - $174,000 Below the Asking Price

FOR IMMEDIATE RELEASE

24th October 2012, Vancouver, Canada

Address: 4388 Highland Boulevard, North Vancouver
Type: Detached single family home with 6 bedrooms and 5 bathrooms
Style: Double storey with basement
Size: 4,818 square feet
Listing Price: $1,899,900
Sold For: $1,725,000
Agent: Richard Morrison of REMAX

Great Deal in a Falling Market

This property was listed by Richard Morrison of REMAX, a top agent who has been operating with his expert team out of Vancouver, BC since 2003. Located in Highland Boulevard, a beautiful peaceful street in North Vancouver, close to schools and securely nestled in a secure suburb, this magnificent 3 level home with state-of-the-art fittings, fixtures, and appliances, was the ideal purchase, taking full advantage of the price reduction in the Vancouver real estate market. Richard Morrison provided his clients with an outstanding deal, achieving a sale price of $1.725 Million, which was $174,000 below the asking price.

This drop can be attributed to the falling market, where Morrison and his team are fully prepared to alter their approach as required, and get their clients the best possible deals. Richard Morrison has recently reported that we are entering a buyer's market in the Vancouver area with median sales prices throughout Vancouver dropping by about 10% since the January 2012 peak.

Property Details

This property consists of 6 bedrooms and 5 bathrooms spread out over 3 levels. The main floor is extra large containing a formal living room and dining room, spacious office space, and open concept kitchen, complete with granite counter tops, stainless steel appliances, island and pantry. The exquisite family room offers the bonus of a large, separate playroom, and opens out onto welcoming, fully fenced yard.

The top floor comprises 4 main bedrooms including the master, all with modern, en-suite bathrooms. The downstairs level boasts a recreation room, 2 bedroom legal suite with 2 more bathrooms, and a den which can also serve as a 7th bedroom.

The home also has 2 gas fireplaces, hardwood flooring throughout, and a double garage. Within walking distance to both Canyon Heights Elementary school and Handsworth Secondary school, this property is considered to be the ultimate bargain!

Now is the Time to Take Advantage

North Vancouver is one of the most sought after areas in British Colombia, offering peace of mind, excellent amenities, well established services, and a plethora of top quality, high class homes to choose from. With the drastic drop in prices, you might just be able to afford that perfect, dream home you have had your eye on, and give your family the space and luxury that they deserve.

With experienced Realtors like Richard Morrison and his REMAX team on your side, you can easily achieve your goal and save a fortune on your North Vancouver property purchase. Morrison agrees that now is the time to buy in North Vancouver.

Richard Morrison has been a Realtor in the Vancouver area for many years and opened his own REMAX branch in 2003. He is a Master Medallion REMAX agent, and along with the 5 other top agents in his team, Morrison provides the highest standard of service when it comes to buying and selling any property.

Richard Morrison Personal Real Estate Corporation
Address: 208 - 789 Drake Street, Vancouver, BC
Phone number: 1.(604).767.3703

Huricane Sandy is expected to make land fall at or about 7:00 PM,

Looking for Montreal real estate can be a daunting task for the average buyer. Without
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Whether your looking for a condo Montreal, a single family home for sale, or a Montreal
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your sucessful purchase of a great property is easy and simplified.

The first thing to do will be to fill out the "Buyer's Real Estate Alerts Request Form"
conveniently located on the home page of our website. The more information that you
specify about the real estate or condo Montreal that you are looking will help us better
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estate that is currently available and that meets all of your needs. A great condo Montreal
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Throughout this process of finding the Montreal real estate that best suits your needs,
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Once you receive condo Montreal, revenue property, or single family homes listings
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The best opportunities of the Montreal real estate market are waiting for you. This is your
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If you would like more information on this topic or to schedule a free consultation, please
call Stacy Bouchard-Burns at 514-918-5301 or email stacybburns@gmail.com

The Benghazi coverup, is a story that has crossed President Obama, his foreign policy and our nation. On the anniversary of 9/11, in Libya, an extensively armed group attacked the U.S. diplomatic mission in Benghazi. The attack occurred during the night at the U.S. Consulate's compound and ended at the U.S. Intelligence compound. During the attack, the assailers killed four Americans: U.S. Ambassador J. Christopher Stevens, U.S. Foreign Service Information Management Officer Sean Smith and U.S. embassy security Glen Doherty and Tyrone Woods.

Many wonder what could have provoked such an attack. The immediate U.S. intelligence observation was that it "began spontaneously following protest earlier that day at our Embassy in Cairo..." which consequently began as a reaction to an anti-Muslim film Innocence of Muslims. Many would not get the real answer for another seventeen days.

On September 28, 2012 this very same observation was revised with a new perspective - "that it was a deliberate and organized terrorist attack carried out by extremist." It's not hard to feel the tension between these two statements. How could this have happened? How did we not know?

In the aftermath, things became much clearer. What became apparently fairly quickly was the lack of cooperation from the Obama Administration. A long list of facts outshines whatever excuse is made in the wake of this terrible tragedy. The Ambassador was denied the extra security needed to possible ward off the assailants. The CIA was denied help that was asked for during the massacre.

Due to the pressure of the 2012 U.S. Presidential Election, the president has simply used incompetence as the excuse for why this tragedy was not stopped. President Obama has been quoted saying, "I was not personally aware of any request..." Vice President Biden was also quoted, saying something similar in effect: "We did not know." Even the Secretary of Defense, Leon Panetta, was a part of the cover-up stating, "It was really over before we had the opportunity to realize what was happening." Adding to the fact that their administration had no idea about any request, Panetta stated - "Basic principle is don't deploy forces into harm’s way without knowing what’s going on, without having some real-time information about what's taking place."

Frankly this is all just police lip service. It should have been all too clear when the citizen of Benghazi demonstrated condemning the act of violence. Many help signs with the writing, "Chris Stevens was a friend to all Libyans." These same people also made apologies on behalf of the town's people and Muslims in general. They wanted the U.S. to know that they did not agree with this terrorist attack. Ten days after the initial attack, an entire week before U.S. intelligence made any useful observations, 30,000 Libyans joined forces to demonstrate against militias suspected to be have aided in the attack.

It should have been very clear from the beginning that this was a very serious, very organized terrorist attack against Americans and their allies. In a report by Judge Jeanine that air on Fox News on 10/27/2012, Jeanine claims the president gave Libya 130 million dollars, yet when the U.S. Ambassador request a marine detachment (in an area where everyone was already receiving danger pay) no help was sent. After the attack the President was not able to secure the perimeter of the consulate, nor could he leverage the 130 million given to the Libyan government to ensure U.S. investigators immediate access to the area. Instead investigators would have to wait a month.

It would later be made public that not only the white house, but the pentagon and the state department all had live feeds of the attack taking place. Those who sat in these three building watched Tyrone Woods and Glen Doherty plead for back up. They knew what the context was and they had the ability to send in reinforcements to save the lives of four Americans’. Instead Glen and Tyrone were told to stand down, remove their lasers from the mortars, and ultimately gave their lives.

This should be considered one of the most monumental disasters in U.S. military history. Obama had the option to send in reinforcements and save the lives of American citizens and yet instead stood back and watched them murdered. Unfortunately the real story is only now being heard by most Americans, a fact that can be attributed to the Obama campaign strategy.

As Obama fights for a second term it is crucial that he does not seem week on any issue. With the general lack of approval regarding his foreign policy during his first term, Obama needed to do whatever it took to ensure that he was not blamed during his presidential campaign. Obama has seemed week to many republicans who think he should have been more helpful to the Israeli Prime Minister Netanyahu, as well as pushed for hard sanctions on an Iranian government sprinting towards a nuclear weapon. News that the President knew, yet watch and did nothing during the Libyan Massacre would only add fuel to a Romney victory in November.

As a result what has happened is a conspiracy to re-direct the blame. Obama came out in the debates and blatantly said he was unaware of any request and was the most concerned person regarding starting a thorough investigation of what happened. Another key piece that fell in place was Hilary Clinton, in effect, taking the entire blame of the massacre. Later on the Vice Presidential debate Biden simply denied emphatically, as well as assure the American people that the white house was completely unaware that any extra security or military detachment was necessary.

After Clinton took the blame, in a final debate against Mr. Romney, Obama stepped up and told Americans and the world that as the President, it happened under his watch and that he took the full responsibility. It was a nice gesture after using ignorance as an excuse, letting his Secretary of State take the blame, and vowing to not rest until the truth was discovered that he finally took the blame, but yet he still managed to not take responsibility for the fact that his administration knew of the attack as it was happening and had the ability to send in reinforcements; instead four Americans died. His apology was more of a vow to correct the wrong doings of the terrorist and bring them to justice, rather than an apology for allowing such atrocities to happen.

With an election so close and this disaster fresh in our minds, it’s only clear why Obama would go through such lengths to ensure a real chance at a second term. Should Romney win the election, everything that Obama worked for would be all for not. Romney has vowed to stop and reverse the "Obamacare" law would go into effect in 2014; he would also extend tax breaks for the wealthiest Americans, something that Obama is against.

While every day and ad count before the election, it is hard not to wonder: "Did Obama really know? Could he have stopped it? Why is he covering this up?" While the ultimate culprits are the terrorist, it’s terrifying to image that with Iran inching closer to nuclear weapons, the next President of the United States may not have the necessary judgment to rise to the occasion and stop any threat from attacking American or their interest.

Palm Springs, CA—According to RealtyTrac, 3,920,418 million homes went into foreclosure last year. This year, a still shockingly high 2,300,000 million homes are projected to go into foreclosure. People from all walks of life since the mortgage meltdown of 2008 have suddenly found themselves thrust into a situation where they’re on the cusp of losing their home.

But the truth is, if you know the right programs, the right techniques, and the right things to do, you can save your home from foreclosure, according to Anna Cuevas, a nationally-recognized home loan modification expert. She is a former bank executive with 25 years of experience in the banking industry. Anna claims, “You don’t have to sit back and watch your family home slip away.

Even if you’ve hit roadblocks repeatedly trying to re-structure your mortgage or you’ve had the bank laugh in your face, there is still a way to modify your home loan. It’s by taking advantage of special programs, that honestly the banks prefer you don’t know about.” For several years now, Anna who is a best-selling author and blogger for the Huffington Post, has been holding workshops and sharing her inside banking knowledge to help families modify their home loans. She has personally answered over 3,000 blog posts from suffering homeowners seeking help to reverse their impending foreclosure.

On Saturday, November 10th, from 10 a.m. to 1 p.m., at the Spa Resort Casino in Palm Springs, CA, Anna will be holding a Save Your Home Workshop wherein she’ll reveal how anyone from virtually any background can save their home from impending foreclosure, and how they can shrink their house note, without hiring a lawyer, paying a service, or getting ripped off by home loan modification scams. John-Paul Valdez, an economist and host of the nationally syndicated business radio talk show, “It’s Your Nickel”, hosts this event.

Tickets to this event are $50, and attendees will receive a free copy of Anna’s landmark book, Save Your Home, Without Losing Your Mind or Your Money. They’ll also be able to personally ask Anna any questions regarding their home loan situation. Tickets can be purchased by visiting www.saveyourhomeworkshop.com and clicking on the workshop tab.

Save Your Home Workshop
Saturday, November 10, 10 a.m. to 1 p.m.
Spa Resort Casino
401 E. Amado Rd., just off the hotel lobby
Palm Springs, CA 92262
www.JohnPaulValdez.com

For more information on Anna or to schedule an interview, contact:
Oscar Cuevas, at (760) 487-8576.

November 6, 2012/Los Angeles, California/NEWSWIRE/ The Fair Credit Reporting Act (FCRA), enacted by Congress in 1971, was put into place because the banking system is dependent upon fair and accurate credit reporting and unfair credit reporting methods undermine the confidence of the public in that system.  The three major credit reporting agencies (CRA’s), Experian, Trans Union, and Equifax, just suffered a major blow today when a federal court in California ruled that equitable relief is allowed under the FCRA.  The case, Engelbrecht v. Experian, EDCV 12-1547 VAP, brought by California Attorney Kenneth Eade, sought declaratory and injunctive relief against the three major CRA’s  for failing to correct inaccuracies on his client’s credit report which had lingered on the report in some cases, for over one year, despite numerous requests to reinvestigate under the FCRA.  In the complaint, Eade sought to enjoin them from reporting the negative items.  The CRA’s moved to dismiss the complaint, contending that injunctions are not available to private plaintiffs under the FCRA.  The Court disagreed.

Consumer credit reporting agencies, like Experian, Trans Union and Equifax, are charged by the FCRA with the exercise of due care in accurately and completely reporting credit information.  Any item on a credit report which is “incomplete or inaccurate” after reinvestigation under the FCRA must be deleted.  Thanks to today’s court decision, if the credit reporting agency does not delete it, you can force them to with the injunction power vested in the Courts.  But most people do not have the financial wherewithal to mount a lawsuit against the giant conglomerates and are left to suffer the fate brought on by sloppy and negligent investigations.

There is no Ninth Circuit precedent on the matter, which makes this a precedent setting decision.  The 11^th Circuit has held that only government agencies are vested with the equitable power to request injunctive relief under the FCRA.  But the Central District Court held today that case may be in direct conflict with the U.S. Supreme Court decision of Califano v. Yamaski, in which the Supreme Court held that the equitable powers of the Court can be invoked unless Congress gives a “clear command” that they are excluded.  This “clear command” does not appear anywhere in the FCRA, although federal courts are divided on the subject.  According to a recent FTC report, in 40 years of enforcement of the FCRA, the FTC, the agency responsible for enforcement of the Act (and the agency that the CRA’s claim is the only one who has the right to claim equitable relief under the FCRA), has brought only 87 cases against credit furnishers and credit reporting agencies.  That is an average of only two cases per year.  Therefore, the private enforcement of the FCRA is the only hope that consumers have to realize their rights under it.

Congress passed the FCRA to ensure that "consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer's right to privacy.  However, in the forty-two years since the passage of the FCRA, information technology has advanced faster than the reinvestigation procedures in the Act.  As a result, not only is the FCRA inadequate, but the procedures that have been put in place by the credit reporting agencies to perform their responsibilities under it are also antiquated and woefully inadequate.  Since the technology revolution and the explosion of Internet use, it has become easier and quicker to place negative information on a credit record, and almost impossible to have inaccurate information removed.  At the same time, credit information has become even more critical to our everyday lives. 

Many employers will not allow a person into a high position with their company unless his or her credit record is clean.  Most consumers don’t have the financial resources to bring a lawsuit of this nature and are left to suffer the fate of negligent and sloppy investigations.  This decision makes credit bureaus take their responsibilities under the FCRA seriously. 

About Kenneth Eade

Kenneth Eade is an international business lawyer, based in Los Angeles, California, specializing in international law, transactional and corporate law, complex business litigation, securities litigation, Contract Law, General Commercial and Business Law Matters, Licensing Agreements, Mergers & Acquisitions.  He is a member of the Bar of California, the federal District Court for the Central District of California, and the Ninth Circuit Court of Appeal. His previous experience over the past 30 years includes licensing, mergers and acquisitions, securities, collections, real estate, and bankruptcy.  He holds a Juris Doctor in Law from Southwestern University School of Law, and a B.A. in Liberal Studies from California State University, Northridge.  Mr. Eade is a member in good standing of the California State Bar, the federal Bar of the United States District Court for the Central District of California and the Ninth Circuit Court of Appeal.  He is also an accomplished filmmaker.

Mr. Eade was recently presented with a plaque by Martindale Hubbel for his 30 years of service to the community as a California lawyer.  In his 30 years' of practice, Mr. Eade has championed thousands of causes for individuals for their civil liberties and freedoms, and advocated the rights of small businesses and individuals against large special interest groups.  Included among his recent litigation victories are major victories against banks thought "too big to fail" who illegally take advantage of consumers with illegal collections after foreclosure, which prompted him to open the consumer relief website, http://suepredatorylender.com .  Recent advances include the quashing of a fraudulent attempt to hijack a small publicly traded company by a custodian filing in Nevada, a preliminary injunction against one of the world’s largest banks for attempting to collect an illegal debt, and a major lawsuit against the three major credit bureaus for failing to correct inaccurate information in a credit investigation.

http://kennetheade.com

Twitter: https://twitter.com/#!/KennethEade1

Facebook: http://www.facebook.com/KennethGEadeAttorneyAtLaw

LinkedIn: http://www.linkedin.com/profile/view?id=121497922&trk=tab_pro

STOCKTON, CALIFORNIA/November 8, 2012 NEWSWIRE -- Viratech, Corp. (OTC: VIRA), the first open source biotech research social network platform, announced today that Kevin Buckman MD has taken the position of CEO for the Company.

As Founder of Viratech, Dr. Buckman understands the goals and opportunities for the Company. He developed many of the technologies that are key components of Viratech as well as holds a vast medical experience. He has had CEO and business experience that compliments his goals to move the Company forward.

 “I am pleased to accept the appointment as Viratech’s CEO,” said Dr. Buckman.  “I look forward to help make a difference using new medical innovations for more cost effective medical care, launching open source medical research, use of our Social Networks, and deployment of new technologies with our platforms to help many people,” he added.

Dr. Buckman is taking the helm for Matt Heindel, who has done an incredible job guiding the Company through the Research and Development Phase. Now that the company is posed for the revenue stage, Dr. Buckman’s knowledge and experience can help the Company with implementation of its business model. Mr. Heindel will stay on the Board of Directors to assist the company with his US and international experience and business operations expertise.

Kevin Buckman MD FAAIM, DAAUCM, MACOEM, MRO completed his Medical School training at USC; he remained at USC for internship and 2^nd year residency in Internal Medicine, and completed his training in Internal Medicine in 1981 at San Joaquin General Hospital, a UC Davis affiliate. He began his research in 1977 in the field of immunology, cancer, diabetes, and chronic diseases. His discovery of the role of Inflammation and Abnormal Cellular Environment in Cancer and immune disease in the 70’s has made him a leader in the field.  His continuous research in this field has lead to his technologies in Non-Harmful Medicine with Early Diagnosis and Treatments, especially in the field of Women’s Health.  He has published books including Find and Stop Breast Cancer, and Find and Stop Diabetes. He was recently a Speaker and Exhibitor at the International Cancer Conference and Forum 2010, Seoul, Korea, when he addressed many women’s health issues and solutions.

Dr. Buckman has served as Medical Director in various hospitals and institutions for over 25 years and has over 35 years of clinical experience. He has served as a member of the Executive Committee for six years at St. Dominic’s Hospital in Manteca, California.  He has written many patents for new medical technologies.  From 1986 to 1997 there were more than 50 Physicians on his roster under his Directorship at various institutions and hospitals. He also served as Medical Director for Dameron Hospital EMS Liaison from 2002 to 2003.  He became Board Certified in Emergency Medicine and a Fellow of the American Board of Emergency Medicine in 1990.

He has received numerous Certifications and Specialty Training in the field of Medicine. He is a Fellow in the American Association of Integrated Medicine, and a certified Medical Review Officer. His other Specialties include: Internal Medicine, Forensic Medicine, Chinese Medicine and Acupuncture. He has over three decades of hospital and clinical experience and has served on over 15 hospital committees. He became Board Certified in Urgent Care Medicine and a Diplomat in 2006.

He has presented research, published articles and books in the field of medicine, given lectures at numerous hospitals and at International Medical Conferences, exhibited Breast Cancer technologies, and has traveled in 68 countries.

He has received Post Graduate Training at Stanford University School of Business, and attended seminars with the Securities Exchange Institute.   He also serves on the Board of Directors for the California College of Natural Medicine.  He was the first US Physician to be accepted into the European Group for Breast Cancer Screening after his research in this field was accepted for publication and presentation at their international conference in Cyprus.  For many years he has worked internationally to advance a number of medical technologies.  He has had a special interest in Non-Harmful early detection of disease, with a primary focus on Breast Cancer and Diabetes, his research in the field preventive medicine, and his expertise in non-harmful new methods of medical treatment for cancer. His most recent Breast Cancer work was published at the International Cancer Conference and Forum 2010, in Seoul, Korea. He is currently serving on the Industry Advisory Board for the University of Pacific School of Engineering and Computer Science and a Visiting Professor in Bioengineering, University of Pacific School of Engineering and Computer Science. 

About Viratech Corp.

Based in Stockton, California, Viratech Corp. has created an open source biotech research and development platform, Viratech has created a unique platform leveraging the utility of social collaboration, which will allow cancer research the opportunity for the first time to become open sourced. This is accomplished by allowing our development partners the ability to protect, promote and produce their research in unified online collaboration hubs known as micro social networks. Viratech’s open source platform has integrated several intellectual property tools which, by leveraging our social collaboration network, can give our development partners a new intellectual property mechanism, which will help in addressing the protection of Intellectual Property, promotion through collaboration in our protected open source platform, and commercial development of the products achieved through collaborative research.

Using this platform, Viratech members can protect their intellectual property, then use Viratech’s micro social network as a utility to promote and crowdfund the research and development to produce the new technology.

Forward-Looking Statements:

This press release includes forward-looking statements concerning the future performance of our business, its operations and its financial performance and condition, and also includes selected operating results presented without the context of accompanying financial results. These forward-looking statements include, among others, statements with respect to our objectives and strategies to achieve those objectives, as well as statements with respect to our beliefs, plans, expectations, anticipations, estimates or intentions. These forward-looking statements are based on our current expectations. We caution that all forward-looking information is inherently uncertain and actual results may differ materially from the assumptions, estimates or expectations reflected or contained in the forward-looking information, and that actual future performance will be affected by a number of factors, including economic conditions, technological change, regulatory change and competitive factors, many of which are beyond our control. Therefore, future events and results may vary significantly from what we currently foresee. We are under no obligation (and we expressly disclaim any such obligation) to update or alter the forward-looking statements whether as a result of new information, future events or otherwise.

Contact: Kevin Buckman MD

Viratech, Corp.

http://www.viratech.org

Email Contact: info@viratech.org

  Play Better Golf with the Help of an Innovative New Product from the Golf’s Inner Secret Website

The CD, Which Can Help People Lower Their Handicap, Was Created by Robert Jones, a Certified Sports Hypnotherapist

Robert Jones, a Certified Sports hypnotherapist who has been practising hypnotherapy for the past 10 years, has just released a new CD titled “Golf’s Inner Secret” that is meant to help people lower their golf handicap.

The product is now available on the Golf’s Inner Secret website, which Jones has also just launched. In addition to the CD, the information is also available for over 50 percent less as a Digital Download.

Before releasing his new product, Jones tested it on golfers ranging from a 15 handicap to a head PGA pro. The results were universally positive, with the golfers all reporting that the CD helped them to play better golf and shoot lower scores.

“I have spent many years working on this product, refining it, tweaking it, and now finally the finished product is ready,” Jones said, adding that his CD and Digital Download have not been available to the golfing world before now.

“You can now finally look forward to playing better golf and learning how to lower your handicap, but with the golf swing you already have.”

Hypnotherapy is a very potent tool that has been used by top golfers over the years, Jones said,   including Tiger Woods, Jack Nicklaus and many others. In fact, Woods has spoken highly of the way hypnotherapy sessions have helped improve his golf game, and Arnold Palmer once said that  90 percent of golf is played “from the shoulders up.” Both Palmer and Woods have said that when they concentrate primarily on their minds rather than their bodies, they achieve the most significant improvements in their golf game.

Through his work as a  Certified Sports hypnotherapist, Jones has seen firsthand how hypnotherapy has helped people perform better at their sports. His techniques have been so successful that he was inspired to create his new Golf’s Inner Secret product and website in order to help other people relax and improve their game.

Jones said that anybody who purchases the CD and tries it for 90 days is welcome to return it for a full refund of the purchase price if they do not feel their game has improved.

About Golf’s Inner Secret:

Golf’s Inner Secret is a website and product that was created and launched by Robert Jones, who has been a practising hypnotherapist for 10 years. Jones is also a Certified Sports hypnotherapist and uses hypnosis in Sports Psychology.  Jones is registered with The UK Hypnotherapy Association and the General Hypnotherapy Register. He is a member of the NHS Directory of Complementary and Alternative Practitioners and his NHS Number is 4664. For more information, please visit http://www.golfsinnersecret.com

Robert Jones
Golf’s Inner Secret
01438-745785
Email Information

STOCKTON, CALIFORNIA/ November 9, 2012 /Newswire/ -- Viratech, Corp. (OTC: VIRA), the first open source biotech research social network platform, announced today the addition of John Stein MD to its Advisory Committee as Head of the Clinical Research Committee for the Company.  Dr. John Stein MD has a Master’s Degree in Clinical Research and is an Associate Professor of Emergency Medicine at the University of California San Francisco and has an extensive background in clinical research.

Dr. Stein has been involved in numerous prospective and randomized trials of drug as well as technology implementations in the acute care environment. He received his medical degree  from Dartmouth Medical School where he was elected into the Syvertsen Scholarship, received the Merck Manual Award, and graduated in the Alpha Omega Alpha Medical Honors Society. He pursued clinical training at the Alameda County Medical Center's Highland Hospital, one of the most competitive residency training programs in Emergency Medicine.   Since that time he has been on the faculty at UCSF, and has assumed a number of roles aside from research including directing the Emergency Ultrasound Department, and acting as one of the medical school's eight Advisory College Mentors.

Dr Stein states, “I look forward to assisting Viratech with its many resources and opportunities, including research and working on new ways to improve health care.”

Dr. Stein has recently received a K-08 award from the Agency for Research and Quality which aimed to validate the training guidelines for emergency ultrasound as they pertain to the evaluation of ectopic pregnancy. As part of that four year grant, he completed his Masters in Clinical Research through the university's clinical and translational sciences institute, and he was also elected to the K Scholars group where he served from 2007-2011.

He has published manuscripts on over 20 prospective trials among a variety of other writings. He also has extensive background with industry and foundation partners, and has received grants from the California Healthcare Foundation as well as the Fujitsu Corporation.

About Viratech Corp.

Based in Stockton, California, Viratech Corp. has created a unique  biotech research and development platform,  leveraging the utility of social collaboration, which is designed to allow cancer research the opportunity for the first time to become open sourced.  This will be accomplished by allowing the company’s development partners the ability to protect, promote and produce their research in unified online collaboration hubs known as micro social networks. Viratech’s open source platform has integrated several intellectual property tools which, by leveraging its social collaboration network, can give the company’s development partners a new intellectual property mechanism, which will help in addressing the protection of Intellectual Property, promotion through collaboration in the company’s protected open source platform, and commercial development of the products achieved through collaborative research.

Using this platform, Viratech members can protect their intellectual property, then use Viratech’s micro social network as a utility to promote and crowdfund the research and development to produce the new technology.

Forward-Looking Statements:

This press release includes forward-looking statements concerning the future performance of our business, its operations and its financial performance and condition, and also includes selected operating results presented without the context of accompanying financial results. These forward-looking statements include, among others, statements with respect to our objectives and strategies to achieve those objectives, as well as statements with respect to our beliefs, plans, expectations, anticipations, estimates or intentions. These forward-looking statements are based on our current expectations. We caution that all forward-looking information is inherently uncertain and actual results may differ materially from the assumptions, estimates or expectations reflected or contained in the forward-looking information, and that actual future performance will be affected by a number of factors, including economic conditions, technological change, regulatory change and competitive factors, many of which are beyond our control. Therefore, future events and results may vary significantly from what we currently foresee. We are under no obligation (and we expressly disclaim any such obligation) to update or alter the forward-looking statements whether as a result of new information, future events or otherwise.

Contact: Dr. Kevin Buckman

Viratech, Corp.

http://viratech.org

Email Contact: info@viratech.org

Count von Count the Chef Economist of Sesame Street, has entered the political landscape with an endorsement of Mitt Romney for President.  The Count, a long time economist and lovable cast member of Sesame Street responsible for educating our children on simple mathematical concepts, has endorsed Mitt Romney based on the following mathematical logic:

Let’s Count the Ways:

1. The Number 0 is the number of top level Wall Street bank executives who have been charged or      indicted, in the largest financial fraud ever;

2. The number 1.5 is the percentage growth of our economy per year. According to the United Bureau of Economic Analysis the United States Gross Domestic Product grown at a rate of 1.5% over the course of President Obama’s first term in office. This is the slowest growth in American GDP in decades.

3. The number 1.69 was the the national average price of unleaded gasoline per gallon, when Obama took office;

4.  The number 16. is the amount in trillions of dollars (million times a million) of our current national debt.  When President Obama took office in January of 2009 the United States debt was about 8 trillion dollars. In less than two years, the national debt is now at 16 TRILLION DOLLARS;

5.  The number 23  is the amount of Americans in Millions who have stopped looking for work;

6.  The number 32  is the percentage rise in natural gas prices in the United States, in 4 years;

7.  The number 38 is the percentage increase in the US Poverty rates over the last 4 years;

8.  The number 44 is the amount of months in a row, our country has suffered unemployment, at or above 8%;

9.  The number 49 is the percentage of small businesses who are uncertain of their future;

10. The number 76 is the percentage of small business owners, who say the healthcare bill makes it harder to hire more employees;

When asked about cutting a subsidy to PBS for Sesame Street, the Count said as the "Countant" for Sesame Street we brought in more than $96 Million in 2005 due mostly from international licensing. *¹ alone.  If you look at cutting our budget, Big Bird will still be living large.  

*1 http://www.nytimes.com/2005/12/12/business/media/12sesame.html?_r=2&pagewanted=print&

STOCKTON, CALIFORNIA/November 11, 2012 /Newswire/ -- Viratech, Inc. (OTC: VIRA), the first open source biotech research social network platform, announced today the appointment of Valerie Kidd, M.D., as a Director.  Dr. Kidd’s work for many years in primary care allows her to understand the importance of early detection of disease and need to improve medical care, and access to care. Her teaching experience adds to her credibility in the realm of Primary Care and she is a valuable asset to Viratech’s Board of Directors. 

“I am pleased to accept the position of a member of the board of directors of Viratech, and am looking forward to the revolutionizing of the method and pace of medical research and product development through the use of Viratech’s open source platform,” said Dr. Kidd.

Dr. Kidd received her BA in Chemistry from UC Davis, College of Letters and Science in 1980.   She received her MD at University of California at Irvine, College of Medicine in1984.  She completed a Family Practice Residency Program at San Joaquin General Hospital from July 1984 to July 1987.   She became first Board Certificated in Family Practice in 1987, then again in 1993, 2000, and 2007.    Dr. Kidd is an active member of the American Academy of Family Physicians since 1987.   She has been practicing medicine at Lodi Memorial Hospital since 2006.   Since 2006, Dr. Kidd has held the following positions:

Clinical Positions:

1987-1988, Staff Physician, Employee Health Services, San Joaquin General Hospital

1988-1991, Staff Physician, Lincoln Family Medial Group, Douglas Road, Stockton

1991-1995, Staff Physician, Employee Health Services, Modesto, Stanislaus County

1995-1996, Physician, California State University Stanislaus Student Health Center

1996-2006, Staff Physician, Employee Health Services Clinic, San Joaquin General Hospital

2007-March 2009, Family Medicine Physician, St Joseph’s Medical Group of Stockton

2007-March 2009, Medical Director, University of Pacific, Cowell Wellness Center Student Health

2006-present, Staff Physician, Lodi Memorial Hospital Urgent Care Clinic

2006-present, Staff Physician, Lodi Memorial Occupational Med Clinic

Teaching Positions:

1988-2003, University of Pacific, Physical Therapy Guest Lecturer

1987-1991, Clinical Preceptor, San Joaquin Family Practice Residency

1991-1996, Clinic Preceptor, Stanislaus Family Practice Residency

1996-2003, Clinic Preceptor, San Joaquin Family Practice Residency

About Viratech Corp.

Based in Stockton, California, Viratech Corp. has created a unique an open source biotech research and development platform, , Viratech has created a unique platform  leveraging the utility of social collaboration, which is designed towill allow cancer research the opportunity for the first time to become open sourced.  This will beis accomplished by allowing the company’sour development partners the ability to protect, promote and produce their research in unified online collaboration hubs known as micro social networks. Viratech’s open source platform has integrated several intellectual property tools which, by leveraging itsour social collaboration network, can give the company’sour development partners a new intellectual property mechanism, which will help in addressing the protection of Intellectual Property, promotion through collaboration in the company’sour protected open source platform, and commercial development of the products achieved through collaborative research.

Using this platform, Viratech members can protect their intellectual property, then use Viratech’s micro social network as a utility to promote and crowdfund the research and development to produce the new technology.

Forward-Looking Statements:

This press release includes forward-looking statements concerning the future performance of our business, its operations and its financial performance and condition, and also includes selected operating results presented without the context of accompanying financial results. These forward-looking statements include, among others, statements with respect to our objectives and strategies to achieve those objectives, as well as statements with respect to our beliefs, plans, expectations, anticipations, estimates or intentions. These forward-looking statements are based on our current expectations. We caution that all forward-looking information is inherently uncertain and actual results may differ materially from the assumptions, estimates or expectations reflected or contained in the forward-looking information, and that actual future performance will be affected by a number of factors, including economic conditions, technological change, regulatory change and competitive factors, many of which are beyond our control. Therefore, future events and results may vary significantly from what we currently foresee. We are under no obligation (and we expressly disclaim any such obligation) to update or alter the forward-looking statements whether as a result of new information, future events or otherwise.

Contact : Dr. Kevin Buckman

Viratech Corp.

http://viratech.org

Email Contact: info@viratech.org

Office furniture rental has advantages in today’s fluid and ever-changing business environment.  Here are five quick reasons you should take a look at it.

1.       Capital vs Credit.  Capital should be used in activities that will help make more revenue. While updating your office furniture can do that, you can achieve the same results in an office furniture lease. Monthly payments instead of a one-time purchase leaves money available to make more money. 
 

2.       Tax advantages. As always, this is one to check with your accountant or similar tax professional. Lease payments are made out of pre-tax dollars, not profit.  With the changes made by Congress lately, trying to fine-tune the tax laws, leasing furniture becomes a very possible alternative.
 

3.       Accounting treatment. Purchasing office furniture creates the accounting dilemmas of depreciation and monthly capitalization. It can also be difficult to forecast what you will need to spend on furniture. Renting office furniture gives you one simple monthly payment that you can plan around.
 

4.       Image. Popular trends and tastes change quickly. If looking on the cutting edge is important to your business, renting gives you the chance to change it up as often as you think necessary. It also avoids having obsolete furniture as technologies or ergonomics improve the workspace your employees are utilizing.
 

5.       Flexibility.  Office furniture rental gives you options when faced with change. If you are changing office space, you can change furniture to better fit the look and design of the new area. If you have to hire more people, a simple phone call can get you outfitted. If you are reducing force, you don’t have to worry about seeing empty desks or storing furniture, you can call the furniture rental company and they will come pick it up.

Do any of these reasons sound like they could benefit you and your business? Look into office furniture rental today as a tool to keep your company successful and growing.  

About the Company:   Insideout Office Furniture has been in the office furniture rental business in Salt Lake City, UT for the last 20 years.

Insideout Office Office Furniture Rental

801-973-2009

insideout@insideoututah.com

 Deciding on office décor is a big decision. As customers or clients enter your domain, they judge who you are and how well you do it based on their visual first impression. Color, lighting and lines all play into that impression – as does your office furniture.

Office furniture is a big investment, and one made with long term vision in mind. Is what you purchase today going stay current to meet your long range plans? How much do you need to buy to account for current and future hires and possible changes to office space? Is it ergonomically adjustable to meet individual employee needs? For all of these reasons and more, office furniture rental is a viable option that bears serious consideration.

If image is important to you, then office furniture rental offers the ability to change décor as often as you deem necessary, keeping up with the latest trends. If you are a high-priced attorney, clients expect to see elegant taste.  If you are the latest app development software company, your customers are going to expect to see a modern, eclectic, innovative atmosphere.

You can better adapt to staffing changes. If, due to anticipated growth, you need more workspaces or office furniture, you can bring it in for only a little more per month. The reverse is true too. In case of a negative turn in business events, you can return furniture no longer being used.

Part of retaining top talent and ensuring productivity is a comfortable work environment. Having furniture and work space that can be adjusted to fit the needs of your employees will go a long way to keeping them around and keeping them happy. Office furniture rental gives you adaptability for minimal cost whereas purchasing a new chair or desk can be expensive.

Office furniture rental allows you to look and act successful while keeping that hard –earned capital for revenue generating operations.  Keep your flexibility and your money while investigating the use office furniture rental today.

About the Company:   Insideout Office Furniture has been in the office furniture rental business in Salt Lake City, UT for the last 20 years.  Our trained staff can help you assemble the office of your dreams, all within your budget.

801-973-2009

insideout@insideoututah.com

STOCKTON, CALIFORNIA/November 11, 2012 /Newswire/ -- Viratech, Inc. (OTC: VIRA), the first open source biotech research social network platform, announced today the appointment of Valerie Kidd, M.D., as a Director.  Dr. Kidd’s work for many years in primary care allows her to understand the importance of early detection of disease and need to improve medical care, and access to care. Her teaching experience adds to her credibility in the realm of Primary Care and she is a valuable asset to Viratech’s Board of Directors.  “I am pleased to accept the position of a member of the board of directors of Viratech, and am looking forward to the revolutionizing of the method and pace of medical research and product development through the use of Viratech’s open source platform,” said Dr. Kidd.

Dr. Kidd received her BA in Chemistry from UC Davis, College of Letters and Science in 1980.   She received her MD at University of California at Irvine, College of Medicine in1984.  She completed a Family Practice Residency Program at San Joaquin General Hospital from July 1984 to July 1987.   She became first Board Certificated in Family Practice in 1987, then again in 1993, 2000, and 2007.    Dr. Kidd is an active member of the American Academy of Family Physicians since 1987.   She has been practicing medicine at Lodi Memorial Hospital since 2006.   Since 2006, Dr. Kidd has held the following positions:

Clinical Positions:

1987-1988, Staff Physician, Employee Health Services, San Joaquin General Hospital

1988-1991, Staff Physician, Lincoln Family Medial Group, Douglas Road, Stockton

1991-1995, Staff Physician, Employee Health Services, Modesto, Stanislaus County

1995-1996, Physician, California State University Stanislaus Student Health Center

1996-2006, Staff Physician, Employee Health Services Clinic, San Joaquin General Hospital

2007-March 2009, Family Medicine Physician, St Joseph’s Medical Group of Stockton

2007-March 2009, Medical Director, University of Pacific, Cowell Wellness Center Student Health

2006-present, Staff Physician, Lodi Memorial Hospital Urgent Care Clinic

2006-present, Staff Physician, Lodi Memorial Occupational Med Clinic

Teaching Positions:

1988-2003, University of Pacific, Physical Therapy Guest Lecturer

1987-1991, Clinical Preceptor, San Joaquin Family Practice Residency

1991-1996, Clinic Preceptor, Stanislaus Family Practice Residency

1996-2003, Clinic Preceptor, San Joaquin Family Practice Residency

About Viratech Corp.

Based in Stockton, California, Viratech Corp. has created a unique an open source biotech research and development platform, , Viratech has created a unique platform  leveraging the utility of social collaboration, which is designed to allow cancer research the opportunity for the first time to become open sourced.  This will be accomplished by allowing the company’s development partners the ability to protect, promote and produce their research in unified online collaboration hubs known as micro social networks. Viratech’s open source platform has integrated several intellectual property tools which, by leveraging its social collaboration network, can give the company’s development partners a new intellectual property mechanism, which will help in addressing the protection of Intellectual Property, promotion through collaboration in the company’s protected open source platform, and commercial development of the products achieved through collaborative research.

Using this platform, Viratech members can protect their intellectual property, then use Viratech’s micro social network as a utility to promote and crowdfund the research and development to produce the new technology.

Forward-Looking Statements:

This press release includes forward-looking statements concerning the future performance of our business, its operations and its financial performance and condition, and also includes selected operating results presented without the context of accompanying financial results. These forward-looking statements include, among others, statements with respect to our objectives and strategies to achieve those objectives, as well as statements with respect to our beliefs, plans, expectations, anticipations, estimates or intentions. These forward-looking statements are based on our current expectations. We caution that all forward-looking information is inherently uncertain and actual results may differ materially from the assumptions, estimates or expectations reflected or contained in the forward-looking information, and that actual future performance will be affected by a number of factors, including economic conditions, technological change, regulatory change and competitive factors, many of which are beyond our control. Therefore, future events and results may vary significantly from what we currently foresee. We are under no obligation (and we expressly disclaim any such obligation) to update or alter the forward-looking statements whether as a result of new information, future events or otherwise.

Contact : Dr. Kevin Buckman

Viratech Corp.

http://viratech.org

Email Contact: info@viratech.org