Among the 10 ‘Outrageous Claims’ for 2010 are predictions of the devaluation of the CNY, the emergence of a third political party in the US, a massive fall in the price of sugar, a positive US trade balance for the first time since the 1975 oil crisis and the US Social Security Trust Fund going bust.

The online futures trade and investment specialist’s ten claims are an annual thought exercise to predict rare but high impact ‘black swan’ events that are beyond the realm of normal market expectations. The exercise aims to challenge market conceptions. Compiled as part of the bank’s 2010 Outlook, the claims this year paint a picture of a more positive year ahead but with a few tremors along the way.

David Karsboel, Chief Economist at Saxo Bank, commented: “We believe that 2010 will be a year of reflation, but structural headwinds lie ahead of us and could turn 2010 into a rollercoaster ride.

“One of the most likely structural headwinds will be a shift in investor focus towards slowing GDP and timing issues regarding the path of FED tightening. This will bring risk aversion back into markets.

“Whilst our annual ‘Outrageous Claims’ should be seen as the black swans of the market rather than outright predictions, we do believe that the odds of these events happening are somewhat higher than what is currently priced into the market,” Karsboel concluded.

About Saxo Bank
Saxo Bank is an online forex trading, CFDs trading and investment specialist, enabling clients to trade Stocks, Futures, Options and other derivatives, as well as providing portfolio management via SaxoWebTrader and SaxoTrader, the leading online trading platforms. SaxoTrader is available directly through Saxo Bank or through one of the Bank’s global partners. White label is a significant business area for Saxo Bank, and involves customised and branding the Bank’s online trading platform for other financial institutions and brokers. Saxo Bank has more than 120 white label partners and boasts thousands of clients in over 180 countries. Saxo Bank is headquartered in Copenhagen with offices in Australia, China, the Czech Republic, France, Greece, Italy, Japan, the Netherlands, Singapore, Spain, Switzerland, UK, and the United Arab Emirates.

Media Contact:
PR Contact:
Kasper Elbjørn
Head of Group Public Relations
Saxo Bank A/S London
40 Bank Street
Canary Wharf
London
E14 5DA
UK
45 3977 4300
uk.saxobank.com

Tuesday, 28th July 2009 – NEOVIA Financial Plc (LSE: NEO), the independent global online payments business, announces its NETELLER Money Transfer service, that lets friends and family send and receive money instantly around the world securely through a user-friendly interface.

With no transfer fees for the receiver, the sender only pays a 1% transfer fee up to a maximum of $10 USD. This makes the NETELLER Money Transfer service one of the most cost effective methods available to consumers on the market.

The global remittance market is forecast to be in excess of $300billion this year, according to World Bank estimates. Senders can apply for a free NETELLER account and send money the same day to anyone with an email address. The service allows people to transfer funds in 20 different currencies to over 180 countries, where NETELLER offers a service. It has a wide variety of deposit options including credit/debit card, bank transfer, direct e-Banking, Giropay, iDEAL, and Ukash and will automatically convert the currency for the receiver as well as support multiple local languages.

Receivers of funds are prompted to open their own NETELLER account and withdraw via a number of flexible options including bank transfers, cheques, bank wires or through the Net card which can be used at over 1 million ATMs and 30 million point-of-sale terminals world-wide.

Dan Starr, Executive VP NEOVIA Financial said: “The launch of NETELLER Money Transfer is NEOVIA’s official offering in the global remittance marketplace, making transfer services such as bank drafts, money orders and cheques redundant. If you’re settling up your tab with a friend round the corner or sending money to your parents or loved ones around the world, you want the money to get to them as soon as possible, safely and with minimum charges. We know how to move funds and we know how to do that quickly and securely.”

Consumers can sign up for the service at sendmoney.neteller.com.

# # #

For further information contact:

NEOVIA Financial Plc
Andrew Gilchrist, VP Communications 44 (0) 1624 698 713
Email: investorrelations@neovia.com
Twitter: https://twitter.com/neovia

Media Relations
Nick Daines / Sheelagh Connelly, Lumen PR
Tel: 44 (0) 20 7617 7019
Email: neovia@lumenpr.com

Daniel Stewart

Contactless credit card technology, pioneered by Barclaycard in the UK, makes life easier for customers as it saves time when paying for items that people typically pay for in a rush such as the morning coffee, lunchtime sandwich or newspaper and magazine. Contactless credit cards allow secure payment for goods and services costing £10 and under without the need to enter a PIN or signature.

Contactless enabled credit cards can be used at a growing number of outlets throughout the UK including Prêt a Manger, Coffee Republic, Eat, Yo Sushi and a whole host of other independent retailers.

Recent research from Barclaycard showed that 98 per cent of contactless cardholders believe that contactless payments are easy to use and 88 per cent claimed that it enabled them to cut down the amount of time they would usually take to buy items such as a coffee.

Amer Sajed, Managing Director UK Cards, Barclaycard said: “Barclaycard is leading the UK’s contactless payment revolution. In three years we will have an additional four million customers who will be able to make payments using their contactless card.

“We are dedicated to making our customers’ lives easier and are seeing increasing demand for contactless by our customers, who can now make contactless payments at thousands of retailers across the UK.”

Barclaycard currently has almost two million cards in circulation that can be used to make contactless payments. This includes Barclaycard OnePulse, Barclaycard Platinum and Barclaycard Goldfish credit cards.

-Ends-

About Barclaycard
Barclaycard, part of Barclays Global and Retail Commercial Banking division, is a leading global payment business which helps consumers, retailers and businesses to make and accept payments flexibly, and to access short-term credit when needed.

The company is one of the pioneers of new forms of payments and is at the forefront of developing viable contactless and mobile payment schemes for today and cutting edge forms of payment for the future. It also issues credit and charge cards to corporate customers and the UK Government. Barclaycard partners with a wide range of organisations across the globe to offer their customers or members payment options and credit.

In addition to the UK, Barclaycard operates in the United States, Europe, Africa and the Middle and Far East.

Barclaycard PR Contact:
Andrew Bond
Barclaycard Press Office
Barclaycard
1234 Pavilion Drive
Northampton
NN4 7SG
01604 251229
www.barclaycard.co.uk

Www.businessIFC.com reports on the latest product and service developments in more than 40 financial centres worldwide in the areas of asset protection and development. The site covers:

international banking,
international insurance and pensions,
funds,
trusts and
offshore companies.

It also provides insights into the latest investment opportunities across the world including detailed reporting on the shipping and real estate sectors. BusinessIFC.com provides in-depth research on the economic environment globally, regionally and in more than 40 jurisdictions across the world.

The website provides essential information to help investors choose the most innovative and reliable investment products.

BusinessIFC.com reports on the latest news developments from around the world on vehicles for investment. It also briefs its readers on the impact on taxation policy. Using leading expert commentators, it describes the tax benefits of investment and asset protection products. It also compares the features of investment products in different jurisdictions.

The site is structured to provide easy access to comprehensive information on a diverse range of products, services and jurisdictions. Www.businessIFC.com also supplies a series of weekly news and feature emails on free subscription for its readers in key product areas.

BusinessIFC.com provides an attractive advertising medium for product and service producers. The site is targeting 80,000 readers worldwide.

Press Release Submitted by:

http://www.kronikmedia.co.uk

Lloyds TSB Monthly Saver account holders can enjoy this competitive fixed rate for twelve months on regular monthly deposits between £25 and £250. If customers find they have additional funds to save, they can increase the amount on their monthly standing order at any time during the 12 month period, up to the maximum monthly deposit of £250.

Colin Walsh, managing director of Savings and Investment at Lloyds TSB said, “Given the uncertainty around us, getting into a savings habit has never been more important. This is why we want to make it as easy as possible for our customers to build a nest egg and provide the added incentive of a competitive savings rate.”

Should the need arise customers can also benefit from instant access to their savings, without incurring any withdrawal penalty.

Colin Walsh continued: “We know some savers want the reassurance of being able to access if they need to, so this product allows customers to dip into their funds without penalties.”

Lloyds TSB Current Account holders can open a Monthly Saver account either in branch or through telephone banking.

To help savers make the most of their money Lloyds TSB has a dedicated savings hub at Savvy Saver, full of advice, information and useful planning tools. Users can also submit and share their own savings tips, to help other savers maximise their cash.

Notes to editors:
- Funds withdrawn from the account cannot be replaced
- Standing Order on the account can be changed at any point during the twelve month period.
- This product is subject to availability

About Lloyds TSB:
Lloyds TSB offers customers a wide range of current accounts, savings accounts, insurance, personal loans and credit cards, investment and cash ISA accounts designed to meet different customers’ needs.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority and signatories to the Banking Codes.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065.

PR Contact:
Amanda Glover
Media Relations Manager
Lloyds TSB Press Office
25 Gresham Street
London
EC2V 7HN
020 7356 2021
www.lloydstsb.com

This is the first time LV= has launched its protection products online through an aggregator website. Customers can now compare the LV= life insurance and Critical Illness Cover products against the others which are available in the market, as well as any additional benefits that may be offered, with the ‘more than a cheque’ benefits from LV= which include ‘Healthy Steps’, an online health assessment and advice service, as well as free terminal illness cover.

Robin Willison, LV= Financial Advice Director commented: “It’s great that potential customers will now be able to compare the value and features of our life insurance against a number of other providers in the market. We are conscious of the financial pressures that many people are facing at the moment, and this move will demonstrate how competitive we are, and allow consumers to get the best value cover at a price that is right for them.”

Emma Walker, Head of Protection at moneysupermarket.com said: “We have been working with LV= through our off line advice team for five years and are now delighted to welcome LV= to the moneysupermarket.com consumer facing website, as we constantly strive to provide customers with the widest choice across the market. In the current climate it is more important than ever for customers to be able to compare prices and investigate levels of cover available. This is a great move for a protection specialist like LV= as they really are helping people to look after what they love in life by joining our platform.”

* Terminal Illness cover is included free and applies if the customer has less than 12 months to live, allowing customers to claim on their policy.

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About LV=
LV= and LV= Liverpool Victoria are trademarks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. The new LV= brand identity was launched in March 2007.

LV= employs more than 3,800 people, serves around 3.2 million customers and members, and manages around £7bn on their behalf. We are also the UK’s largest friendly society (Association of Friendly Societies Yearbook 2006/2007, total net assets) and a leading mutual financial services provider.

LVFS is authorised and regulated by the Financial Services Authority and entered on the Financial Services Authority Register No. 110035. LVFS is a member of the ABI, AMI, AFS and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.

For further media information please contact:
Lucy Pope
Media Relations Manager
LV=
County Gates
Bournemouth
Dorset
BH1 2NF
United Kingdom
01202 502204
www.lv.com

According to a new study* from Lloyds TSB the current economic downturn is the first recession which over one in four of British adults** have experienced in their adult life. While recession veterans are realistic about what to expect, these recession novices are more optimistic and less prepared to change their lifestyles.

The report found 21% of all Brits – regardless of past experience – felt the current climate has led them to suffer from ‘recession depression’. 17% claimed they had sleepless nights worrying about personal finances and 36% are spending more time at home.

The report indicated that a third of recession veterans feel better prepared for today’s economic woes because they have lived through a downturn before, although 44% acknowledged it feels very different to last time. Many said their confidence comes down to better financial management. 68% felt better prepared because they are more careful and don’t overspend (compared to 57% of novices) and 66% said they are better prepared because they don’t rely on credit to fund their lifestyles. 56% of those with recession experience simply thought they were more realistic than younger generations about how much they can spend.

Corinne Sweet, Psychologist and author commented: “When times are bad and money is tight, people experience fear and anxiety, making them more conservative and less adventurous and expansive overall. Recession novices will be feeling the greatest shock, and worrying about how to maintain their lifestyles while paying off debts, while those that have lived through it before will probably cope better, reverting to old methods of survival.”

Recession veterans are taking sensible steps to rein in spending, like buying cheaper brands (42%) and becoming more frugal. Novices are less prepared to take drastic steps. Just 24% admitted drastically cutting their spending (compared to 30% of old timers) and only a fifth are becoming more frugal compared to 39% of recession old timers. Recession novices are also less prepared to cut back on holidays and breaks away with 19% cutting back compared with a quarter of recession veterans.

To help customers during this difficult period, Lloyds TSB has created a guidance microsite for people looking for financial help. Savvy Guidance is an online resource providing useful tips and information on managing finances in the current climate, along with interactive explanations of the credit crunch, a jargon buster, FAQs and real life video stories showing how the guidance and support from a financial health specialist, can help in times of financial difficulty.

Throughout the country 1,500 financial health specialists are also on hand in Lloyds TSB branches to help customers review their finances, manage their money better and give tailored guidance and support.

About Lloyds TSB:
Lloyds TSB offers customers a wide range of current accounts, savings accounts, insurance, personal loans and credit cards, designed to meet different customers’ needs.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority and signatories to the Banking Codes.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065.

Notes to editors:
* Opinium Research carried out an online poll of 2,221 British adults from 30th January to 3rd February 2009. Results have been weighted to nationally representative criteria.
** Based on UK population figures and that anyone aged 34 or below will not have been an adult during the last recession (1992). This equals 13,580,000 UK adults (28.3% of 47,778,000 UK adult population) who have not lived through a recession before in their adult life.

For more information or case studies contact:
Eve Speight
Media Relations Manager
Lloyds TSB Press Office
25 Gresham Street
London
EC2V 7HN
020 7356 2162
www.lloydstsb.com

The 2.76 million women planning to retire in 2009 can expect to receive an average annual pension of just £13,671, while the 3.95 million men who plan to retire in 2009 will get £6,642 more, expecting an average pension of £20,313.

“It’s still a shock to see so many women retiring at such a disadvantage to their male colleagues, despite all we know about the causes of pension discrepancies between men and women,” said Karin Brown, Annuities Business Director at Prudential.

“The gender gap has become so firmly established because women have historically earned less than men, and still earn around 17% less. When women have children, their pension contributions reduce significantly or stop altogether, and their state pensions often take a hit as well.

“The underlying problem that many people have insufficient pensions is never going to go away unless men and women start their pension plan much earlier in life, ideally in their twenties or thirties,” Karin added. “Starting a pension at an early age will lessen the impact in later life of many women’s decision to take a career break to have children. It will also mean people can feel confident that they are going to have enough money to live off when they do come to retire, and this is vitally important for women who expect to receive smaller pensions than men.”

One major cause of pensions gender gap is that many women take a career break to have children, but it is possible to protect future pensions and maintain a pension during this time. Women could also consider trying to keep up any company pensions or private pension contributions even if they are on maternity leave or an extended career.

Other causes include:
Neglecting pension savings
- As many as 61% of retiring people doubt their pension and other savings will provide a sufficient income to enable them to enjoy a comfortable life in retirement.

Not saving enough
- A rule of thumb is for people to try and save half of their age as a percentage of their salary into a pension scheme, for example 12.5% at age 25 and so on.

Not taking advantage of company schemes
- Many employers offer pension schemes and agree to match any contributions made by employees. People should enquire about the pensions scheme offered by their employers.

Not shopping around
- People in retirement have a wide choice of annuities available to them and it is recommended that they shop around for the product which is most suitable for their needs.

ENDS

Notes to editors
The information contained in Prudential UK’s press releases is intended solely for journalists and should not be used by consumers to make financial decisions. Full consumer product information can be found at www.pru.co.uk.

Survey conducted online by Research Plus among 1,000 UK adults aged 45 between 10-18 November 2008. Figures based on Office of National Statistics 2007 which show 24,990,500 adults aged 45 in the UK. For further information please contact the Prudential media department.

About Prudential
“Prudential” is a trading name of The Prudential Assurance Company Limited, which is registered in England and Wales. This name is also used by other companies within the Prudential Group, which between them provide a range of financial products including life assurance, pensions, savings and investment products. Registered Office at Laurence Pountney Hill, London EC4R 0HH. Registered number 15454. Authorised and regulated by the Financial Services Authority.

Media enquiries
Jonathan Akerman
PR Contact
Prudential
3 Sheldon Square
Westminster
London
W2 6PR
020 7150 3177
www.pru.co.uk

Pay day loans greatly help a person if he needs immediate money in terms of emergency hospital treatment or some repairing purpose. Opting for a bank loan may be time consuming and requires filling large number of forms and formalities. When you go for a payday loan you will find no such things. You won’t be able to find the exact time when you may be in such vain situation, so this payday can actually help an individual over come such financial issues.

There are certain limitations on who can apply for a pay day loans. The first and foremost thing is that you have to be 18 years or above to get this service. Even f you work being a minor, you can’t apply for this loan. To apply for this service you must be an employee, and there should be a payday coming every month for you. You can enjoy having your payday loan as long as you have a payday or job.

Once you have applied for a pay day loan make sure that you use it properly and in a right way. Never use it unless you have some financial problems like paying electric bills. If you are short of money before the pay day and if you have to urgently pay the bill the it is most welcomed to use your payday loans. But using it in getting a new electronic device or latest gadget will be a very bad idea.

So be sure about when to get a payday loan. Avoid getting things which is not necessary for living. Getting the amount directly to your bank account after the approval of pay day loans should be used is used only if you have financial problems or if you struggle for paying your bills. A person who is following bad financial path needs the help of pay day loans.

So make you use of this wonderful service which take your financial tension away usefully.

For more information about payday loans please visit: http://www.ploans4you.com

Peter Horton, operations director for the LV= general insurance business said: “Many people are understandably looking to make savings and cutbacks on their insurance at the moment, so they might be tempted to buy a policy from the insurer offering absolutely the cheapest quote. However the danger is that they may save themselves a few pounds in the short term but end up seriously out of pocket if that insurer offers a substandard claims service.”

LV= operates an award winning claims service and so far this year has received two more accolades for its service, including a Consumer Intelligence Gold rating.

The latest Gold Award is based on Consumer Intelligence research among over 2,000 people who made a claim on their motor insurance in 2008.

People were asked to rate their overall satisfaction with the service they received from their provider and give their views on specific elements of the claims service, including courtesy cars, repair quality and levels of communication.

The award comes hot on the heels of a Which? Magazine’s People’s Choice award received by LV= last month.

The People’s Choice accolade is awarded to the best financial service providers across a number of categories as voted for by 15,000 Which? members. Members of the Which? online panel that had experienced a claim within the last 12 months were polled to find the top provider and LV=’s claims service provided under the Frizzell brand was voted as the best.

Peter Horton concluded: “The whole point of insurance is to ensure that if your car is involved in an accident or stolen your claim will be dealt with quickly and efficiently and you won’t end up out of pocket. It’s a false economy to go with a bargain basement price only to end up paying for premium rate telephone lines every time you need to speak to the insurance company, or being stuck without a vehicle for weeks on end. People shouldn’t just consider the price but also check the insurer has a good claims service.”

Peter concluded, “LV= is a mutual insurer, meaning we aren’t liable to stock market fluctuation or shareholder pressures in the same way as many other insurers, so we are able to put service at the forefront of what we do whilst still offering a competitive price. As these award wins show, our claims service is one of the best in the market – as voted for by people who have experienced a claim, and who better to ask than them?”

- ends -

Notes to editors:

About LV=
LV= offers car, home, travel and pet insurance cover direct to consumers by telephone from its UK call centres in Bournemouth and Croydon and online from its website.

LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited (LVFS) and a trading style of the Liverpool Victoria group of companies.

LV= employs over 3,800 people, serves around 3.2 million customers and members, and manages around £7 billion on their behalf. We are also the UK’s largest friendly society (Association of Friendly Societies Key Statistics 2008, total net assets) and a leading mutual financial services provider.

LVFS is authorised and regulated by the Financial Services Authority register number 110035. LVFS is a member of the ABI, AMI, AFS and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.

PR Contact:
Emma Holyer
Media Relations Manager
Press Office
LV=
69 Park Lane
Croydon
CR9 1BG
0208 256 6714
www.lv.com