Categories: News Flash Update

4 Sep 2010, Comments (0)

PowerGardZ will REDUCE you Power Bill Daily 24/7

Author: Richard Simpson

PeopleZ PowerGardZ FAQs -What is the PowerGardZ?

The PowerGardZ™ is a new, innovative device that filters the supply voltage while improving the efficiency and power factor of the electricity consumed in a home by electrical appliances. Its purpose is to save wasted electricity in homes, condominiums, apartments, shops and offices. The PowerGardZ™ does not consume electrical energy. You can use it 24 hours a day all year round without increasing electricity expenses. The amount of energy that can be saved depends on factors such as the type of electrical appliances used (i.e. air conditioning, garbage disposal unit, etc.), the amount of electricity used and even the location of the home. The PowerGardZ™ is the new generation device that has been professionally tested and checked for compliance with International Safety Standards and is UL listed and tested as well as CE certified for Europe and cULus for Canada.

How Does the PowerGardZ™ Unit Work? The PowerGardZ™ reduces the amount of power drawn from the utility by storing (in its capacitors) otherwise lost electricity (watts) caused by the inductive motors in your home. (Some examples of inductive motors are air conditioning units, refrigerators, freezers, washers, dryers, dishwashers, pool pumps, vacuum cleaners, furnace blower motors, fans, etc.) The PowerGardZ™ technology supplies that stored electricity back to the inductive loads of the house, causing the home to require less electricity from the utility. This causes a decrease in demand from the utility. When there is a decrease in the demand from the utility, the meter slows down, coinciding with less use of electricity. When you have already paid for that electricity, why waste it when you can store it and use it again? This whole process is called power factor optimization.

Why use PowerGardZ™ ? All electrical equipment and appliances become less efficient over time. As they age, they consume more power in order to deliver the same service, hence the higher electricity bills. Since there are many appliances in every household, each with different power and current requirements, this affects the voltage and current consumption. Unstable supply voltages increase in resistance due to wire size and poor power supply which may result in power loss. The PowerGardZ™ is designed to compensate for those inefficiencies.

Does the PowerGardZ™ work in any home? Yes, simply plug the PowerGardZ™ in any power outlet and start saving money.

Is the PowerGardZ™ tested and approved? Yes! The PowerGardZ™ is UL listed and tested as well as CE certified for Europe and cULus for Canada.

How much can I expect to save per month by using the PowerGardZ™ ? That depends on many factors; the size of your home, the amount of inductive motor load and the amount you are paying per kilowatt-hour for electricity. t’s not unusual for users of the product to see up to 10% and more in reduced consumption.

How long will it take for the PowerGardZ™ to pay for itself? Generally about 6-12 months although the same factors above apply. Some will see the payback in 6 months and some in a year or more.

Is the PowerGardZ™ easy to install? PowerGardZ™ does not require a professional installation. Simply plug it in and $ave

Can PowerGardZ™ be used in other countries with different voltage? Yes. PowerGardZ™ can be used in other countries that have an electrical supply of 110 to 130 Volts AC or 220 to 240 Volts AC, and 50-60Hz.   We have all the plug adapters for each country.

How many units would customers require? Up to 1,800 kwh of monthly consumption we recommend one (1) unit. Over 1,800 kwh we recommend two (2).

How long will the PowerGardZ™ last It has a planned lifespan of up to 10 years.

Why haven’t I heard of this product until now? First, this product is new to the market. Also, until recently, electric rates throughout America were low, costing about 2, 3 or 4 cents per kilowatt-hour.  Now, rising electric rates are 8, 10, 12, 14, and 19 and in some cases higher (New York City is 22 cents per Kwh, and Hawaii is 33.5 cents per Kwh). At lower rates, interest in PowerGardZ™ was poor, but at the current high rates, and growing concern for environment, there is a renewed interest in energy conservation and the PowerGardZ™.

Committed to YOUR Success,

Richard Simpson

“Helping Others Help Others”

Rsimpson05@bellsouth.net / 770-623-6341

Click HERE> to Check out my web site Isn’t it time for a change?

THE 200 BILLION DOLLAR SECRET

CALL – PHPI – MONDAY-FRIDAY AT 8:30pm EST

712.432.1900 pin 7474# - (12 minute call)

Your are invited to watch our BUSINESS OVERVIEW WEBINARS
MONDAY-FRIDAY AT 9:30pm EST 712.432.1900 pin 7474#

(15 minute webinars)

IMPORTANT: This is best viewed online at www.PeopleZteam.info

9 Aug 2010, Comments (0)

Make money helping other people

Author: Richard Simpson

How We Earn Money

Our company People Helping People, Inc. (PHPI) is one of the fastest growing companies in North America and, whether you are looking for a career change or a way to supplement your income. The PeopleZ team provides an incredible way for you to earn a significant income from home and achieve the quality of life you desire!

Our products:  

(1)   PeopleZ Wireless Telecom 

·        GSM (AT&T & T-Mobile) you can purchase “SIM Cards” and insert them into your existing GSM phones and begin using PeopleZwireless.                                             

 ·        CDMA (Sprint & Verizon) is available; you can purchase CDMA phones from our replicated websites or flip the switch for existing phones“unlocked” and “flash- programmed” with PeopleZ wireless. 

(2)   PeopleZ Digital (VoIP) Services)

(3)   PeopleZ Health (Nutritional Products) This nutritional product is included in the monthly EShip ($39.99) This product helps our bodies to regain Phenomenal Health.

(4)  PeopleZ Zing (Virtual Bluetooth video/audio/flyers/messages)

A thought to ponder: 

Who is the #1 steak sales company in the USA?

If you answered “Waffle House” you would be correct due to their large distribution channel.  

With people ready for new streams of income and with everyone looking to save money on recurring Wireless Telecom and Nutritional Products.

The PeopleZ team has a mass-market appeal in a (3) Three Trillion Dollar Telecom industry which has $300 Million in North American and the United States of America. 

We provide an incredible opportunity to earn significant income, part time, from home. And for those who desire it and qualify, our business can provide a very lucrative full time income. Helping people save money, helping people make money - it’s the best of both worlds! 

What does this mean for you? It means an unparalleled opportunity to be involved with a company bursting in growth and earning the money to pay off bills, secure a retirement, or just begin enjoying life without always worrying about how to afford it.

 What do we do?

We introduce people to a unique marketing method that, when they and others purchase products or services they already need, everyone benefits.

Instead of spending millions of dollars in radio, T.V. and print advertising, that money now comes to us. It’s known as word-of-mouth advertising.Companies such as AT&T, Dell Computers, Citibank, Microsoft and others utilize this method to increase their sales. It’s the subject of frequent articles in publications such as The Wall Street Journal, New York Times, Fortune magazine, and many more.

This is not a get-rich-quick program. This is a solid, legitimate opportunity to apply consistent work and effort with a stable company and earn an incredible income for the work invested.

Committed to YOUR Success,

 Richard Simpson 

e-Mail: rsimpson@bellsouth.net    

To Join us copy and past this link in your address bar: http://www.phpico.com/rsimpson 

and then click on “Join PHPI Now” on the top right corner of the page

  

 

 

7 Jul 2010, Comments (0)

Denial of unemployment benefits to hard-pressed Americans

Author: Richard Simpson

When Uruguay striker Luis Suarez raised his hands to block a sure goal from the opposing Ghana side, he committed a foul and paid the penalty — but Uruguay won the game and Ghana’s World Cup team packed its bags.

Suarez got a red card that removed him from the game and suspended him from the semifinal that Uruguay got to play thanks to his unsportsmanlike conduct. There is no goaltending rule in soccer, and Ghana failed to make the ensuing penalty kick and then lost the overtime penalty shootout.

Suarez and Uruguay earned universal opprobrium, but, hey, all the rules were applied and they won the game. “Truth is, it was worth it,” a grinning Suarez said after the game.

Richard AvatarIn thwarting the extension of unemployment benefits, Senate Republicans are playing with Uruguayan tactics, manipulating the rules in a brazenly unsportsmanlike attempt to win the game at any cost.
AM Report: Jobless benefits spark fierce debate

Jobless benefits are leading to a fierce debate: Do they prompt jobless workers to be pickier in their searches? Or is employment insurance a prudent response to the worst recession in decades?

Using the pernicious filibuster rule, the minority party is breaking with a long tradition of automatically providing federal support in times of high unemployment, imposing further hardships on thousands of families.

It is bad politics, bad economics, and just plain nasty, but Republicans are clearly intent on sabotaging the Obama administration no matter what the cost to individual Americans.

The Republican objections about not wanting to extend unemployment unless it is “funded” because they don’t want enlarge the federal deficit are bogus and hypocritical. They never hesitated to add to the deficit when it was a question of tax cuts for the wealthy, estimated to have cost $2 trillion over six years. The $35.5 billion for the unemployment benefits is negligible compared to that figure.

Sacrificing such a relatively small expenditure on the altar of fiscal rectitude really does turn deficit hawks into deficit terrorists, to use economist Bill Mitchell’s phrase. To insist on this sacrifice when unemployment is at nearly 10% and Treasury yields are at historic lows is truly foul play.

No less an authority than Mark Zandi, the Moody’s economist who was one of John McCain’s economic advisers during his presidential campaign, said it is vital to extend the benefits regardless of the deficit. The risk of a double-dip recession by not extending them more than outweighs any harm done through a short-term blip in the deficit, Zandi said in congressional testimony last week.

The denial of unemployment benefits to hard-pressed Americans is just the latest tactic in the Republican’s scorched earth strategy.

“Paying for it…should not be a precondition for Congress to provide more financial help to unemployed workers, strapped states and municipalities, and small businesses looking to expand,” Zandi told the House Budget Committee. “A larger near-term federal deficit is not an economic problem.”

Congress can offset the expenditure a couple of years from now, “when the economy is in full swing,” said this economist, whom no one has ever accused of pandering to the left.

But the unprecedented denial of unemployment benefits to hard-pressed Americans — make no mistake, children are going hungry as a result — is just the latest tactic in Republicans’ scorched earth strategy designed to maximize their political gain in the November midterm elections.

It’s a cruel and cynical strategy that could well backfire, even though it victimizes some of the weakest and most disenfranchised sectors of the electorate.

The Republicans are evidently counting on the rage of voters hurt by the economy to be targeted at the Democratic majority, but people aren’t that stupid. They know that the Senate Republicans — and the unfathomable Nebraska Democrat Ben Nelson — are the ones who blocked the aid.

Matthew Kaminski of The Wall Street Journal cited the Suarez incident as well as some of the big refereeing gaffes in the World Cup competition as the reason why Americans don’t like soccer — it violates our sense of fair play.

And yet the Republican strategy of winning at any cost — any cost to the American people, any cost to the common weal — is a much greater violation of any sense of fair play, with much graver consequences.

The Netherlands handily defeated Uruguay in the semifinal and his red card was the last action Suarez saw in the contest. If the American sense of fair play kicks in this November, a number of Republicans may be looking at their own red cards

6 Jul 2010, Comments (0)

PeopleZ Wireless Opportunity

Author: Richard Simpson

Watch this short video to see how I mastered my niche!

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email address to get access!

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3 Jul 2010, Comments (0)

People Helping People

Author: Richard Simpson

[youtube][/youtube]


People Helping People

16 May 2010, Comments (0)

About Waiting For 7 Years To Buy Another Home…

Author: Richard Simpson
iStock_000012725881XSmallOne of the biggest reasons people don’t default and chop off the massive negative equity they are burdened with is the fear that they won’t be able to buy a home again in the near future.  This is changing rapidly.

First, Fannie Mae announced that as of July 1, 2010 they will begin lending to homeowners who went through a deed in lieu of foreclosure or a short sale after as little as 2 years.  Washington Post Reported:

Instead, it could be as little as two years. In a bulletin to lenders April 14, mortgage giant Fannie Mae said it is relaxing rules that prevented loan applicants who have participated in short sales or deeds in lieu of foreclosure from obtaining a new mortgage for extended periods of time. The new rules are scheduled to take effect July 1.

Foreign entrepreneurs may start lending:  In a Zach Fox article on SNL.com called “A bank that only lends to walk-aways?”

Zingales’ comments, which did not quite fit into the Block’s rundown on strategic default risks, suggest foreign entrepreneurs could play a large role with a new type of bank: a lender that specializes in giving new mortgages to high-credit quality borrowers who walked away from an underwater property.

Without legacy assets, the bank would have no fear of encouraging strategic default or cannibalizing its customer base.

“That would really be gasoline on the fire. The main reason why people don’t [walk away] is because they think they will have a very hard time getting a house in the future,” Zingales said. “But if somebody comes and says, ‘You know what, you have always had a good credit, you’re in a bad situation today, I’m sort of going to give you that offer,’ then I think [strategic default] might become irresistible.”

If you were caught in an adjustable rate mortgage, a credit union may allow you to buy again after only 6 months! www.DailyFinance.com

California, Golden 1 Credit Union’s Mortgage Repair Loan is targeted to people who have been been in a foreclosure in the last six to 18 months. It advertises that it’ll will help you buy a home sooner than you expect.

I expect this to keep happening more and more.  Big lenders like Chase used to lend at good rates only 1 year after foreclosure.  I think you will see lenders quickly have a big change of heart as more people elect to do a strategic default.  If they don’t, foreign lenders out there will and the US lenders will wish they had.

Richard Simpson  rsimpson2010@live.com

770-623-6341

14 May 2010, Comments (0)

VantageScore has prevailed against Fair Isaac’s claims.

Author: Richard Simpson

The use of credit scoring is vital to the mortgage underwriting process.  However, behind the scenes, a war is raging over who can lay claim to that process, with one party recently losing ground in the courtroom.

The Fair Isaac Corp. (FICO: 23.25 -0.90%) was denied a new trial regarding what it claims is clearly its trademark; that is, the act of rating an individual’s credit on a scale of 300 to 850.

However, VantageScore Solutions, the credit rating provider created by America’s three major credit reporting companies — Equifax (EFX: 32.59 -0.64%), Experian and TransUnion — successfully argued that its system that rates credit on a scale between 501 to 990, is not in violation of the FICO trademark.

The presiding US district judge in Minnesota, Ann Montgomery, went a step further and called for FICO’s trademark to be invalidated in her verdict.

In her decision, Montgomery addressed the jury’s finding stating, “Indeed, the jury’s verdict was a wholesale, unambiguous rejection of Fair Isaac’s central theory of the case — i.e., that one can legitimately claim trademark protection in the numerical range for credit scores.”

VantageScore Solutions CEO Barrett Burns said that the court’s decision confirms its longstanding allegation that FICO’s claims are “meritless,” and “at every step, VantageScore has prevailed against Fair Isaac’s claims.”

“Should FICO appeal, we remain confident we will prevail there too,” Burns said.

And FICO has the full intention of appealing, according to Craig Watts, a director of public affairs at Fair Issac. As to be expected, he said that FICO strongly disagrees with Montgomery’s verdict.

Watts added that the basic tenants of the case surround fairness and consumer protection, not against the numerical methodology for presenting that value, especially as it pertains to the sale of those scores to mortgage lenders, for example.

“Nothing has changed as a result of this order,” he said, “the defendants have not been held accountable for copying what it took FICO 20 years to build; and consumers will continue to be victims of big-budget ad campaigns that trick them into buying knock-off scores that they think are the genuine FICO scores lenders use to make decisions.”

Write to Richard Simpson at rsimpson2010@live.com

12 May 2010, Comments (0)

Clients Who Sold Home w/ Short Sales-Good News

Author: Richard Simpson

Fannie never had an official policy about how they would treat people who had a short sale or a deed-in-lieu of foreclosure in their past.

If a person gave back their home to the lender, prior to it going thru the long foreclosure process, Fannie says they will consider giving another loan after 2 years, a maximum of 80% LTV (20% down payment) and re-established credit.

If home was a short-sale, it’s 4 years, and 90% LTV (or 10% down payment) OR 7 years and minimum down payment. (5%).  It’s the time versus the money thing.

Let’s talk about re-establishing credit after a short sale or deed-in-lieu.  In addition to these below, the minimum credit scores must be met (varies between lenders)

1. Waiting period is defined as from the date of the short-sale/deed,  to the date of application

2. Must receive automated underwriting approval

3. Establish “traditional” credit thru banks, finance and credit cards

Real Estate Agents should let their clients (who have or are selling home with short-sale) of the waiting time periods too.

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  • PeopleZ PowerGardZ FAQs -What is the PowerGardZ? The PowerGardZ™ is a new, innovative device that filters the supply voltage while improving the efficiency and power factor of the electricity consumed in a home by electrical appliances. Its purpose is to save wasted electricity in homes, condominiums, apartments, shops and offices. The PowerGardZ™ does not consume electrical energy. You can use it 24 hours a day all year round without increasing electricity expenses. The amount of energy that can be saved depends on factors such as the type of electrical appliances used (i.e. air conditioning, garbage disposal unit, etc.), the amount of electricity used and even the location of the home. The PowerGardZ™ is the new generation device that has been professionally tested and checked for compliance with International Safety Standards and is UL listed and tested as well as CE certified for Europe and cULus for Canada. How Does the PowerGardZ™ Unit Work? The PowerGardZ™ reduces the amount of power drawn from the utility by storing (in its capacitors) otherwise lost electricity (watts) caused by the inductive motors in your home. (Some examples of inductive motors are air conditioning units, refrigerators, freezers, washers, dryers, dishwashers, pool pumps, vacuum cleaners, furnace blower motors, fans, etc.) The PowerGardZ™ technology supplies that stored electricity back to the inductive loads of the house, causing the home to require less electricity from the utility. This causes a decrease in demand from the utility. When there is a decrease in the demand from the utility, the meter slows down, coinciding with less use of electricity. When you have already paid for that electricity, why waste it when you can store it and use it again? This whole process is called power factor optimization. Why use PowerGardZ™ ? All electrical equipment and appliances become less efficient over time. As they age, they consume more power in order to deliver the same service, hence the higher electricity bills. Since there are many appliances in every household, each with different power and current requirements, this affects the voltage and current consumption. Unstable supply voltages increase in resistance due to wire size and poor power supply which may result in power loss. The PowerGardZ™ is designed to compensate for those inefficiencies. Does the PowerGardZ™ work in any home? Yes, simply plug the PowerGardZ™ in any power outlet and start saving money. Is the PowerGardZ™ tested and approved? Yes! The PowerGardZ™ is UL listed and tested as well as CE certified for Europe and cULus for Canada. How much can I expect to save per month by using the PowerGardZ™ ? That depends on many factors; the size of your home, the amount of inductive motor load and the amount you are paying per kilowatt-hour for electricity. t's not unusual for users of the product to see up to 10% and more in reduced consumption. How long will it take for the PowerGardZ™ to pay for itself? Generally about 6-12 months although the same factors above apply. Some will see the payback in 6 months and some in a year or more. Is the PowerGardZ™ easy to install? PowerGardZ™ does not require a professional installation. Simply plug it in and $ave Can PowerGardZ™ be used in other countries with different voltage? Yes. PowerGardZ™ can be used in other countries that have an electrical supply of 110 to 130 Volts AC or 220 to 240 Volts AC, and 50-60Hz. We have all the plug adapters for each country. How many units would customers require? Up to 1,800 kwh of monthly consumption we recommend one (1) unit. Over 1,800 kwh we recommend two (2). How long will the PowerGardZ™ last It has a planned lifespan of up to 10 years. Why haven’t I heard of this product until now? First, this product is new to the market. Also, until recently, electric rates throughout America were low, costing about 2, 3 or 4 cents per kilowatt-hour. Now, rising electric rates are 8, 10, 12, 14, and 19 and in some cases higher (New York City is 22 cents per Kwh, and Hawaii is 33.5 cents per Kwh). At lower rates, interest in PowerGardZ™ was poor, but at the current high rates, and growing concern for environment, there is a renewed interest in energy conservation and the PowerGardZ™. Committed to YOUR Success, Richard Simpson "Helping Others Help Others" Rsimpson05@bellsouth.net / 770-623-6341 Click HERE> to Check out my web site Isn't it time for a change? THE 200 BILLION DOLLAR SECRET CALL – PHPI - MONDAY-FRIDAY AT 8:30pm EST 712.432.1900 pin 7474# - (12 minute call) Your are invited to watch our BUSINESS OVERVIEW WEBINARS MONDAY-FRIDAY AT 9:30pm EST 712.432.1900 pin 7474# (15 minute webinars) IMPORTANT: This is best viewed online at www.PeopleZteam.info

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