In addition, most do not have energy
professionals on staff to advise them on energy decisions even though
their specialized equipment and tight operating budgets can make them
extremely sensitive to any volatility in power quality or price.

About the Author
Howard S.

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Small businesses represent a key customer segment for most energy
companies but are often too small individually to have assigned
account representatives.

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"We can add facility
types, change any of the assumptions or modify rates whenever we see
the need," said Wayne Glover from GreyStone Power Corporation, one of
the lead collaborators on the project design . "We've
launched the applications for our first group of collaborating
utilities, and the entire Suite is now available for other utilities
looking to enable self-service for their business customers .
Filled with in-depth insights and practical advice, this accessible guide will
help readers to:

* Understand the deep-seated attitude that controls their money habits
* Analyze where their money goes and what their total assets are
* Change habits and find the money to save
* Deal with important debts like your mortgage and car loans and any taxes
you may owe to the IRS
* Recognize when bankruptcy may be the best option

Step by step and dollar by dollar, "Credit Hell" empowers readers to
manage money by freeing themselves from debt, creating a livable budget, and
restoring credit so they are free to build equity and wealth.

Web sites offering strictly financial services should be submitted to an appropriate category in Business/Financial_Services / or related categories.

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The customer can then link to a
sophisticated billing analysis engine that draws upon historical
weather data, meter read dates and actual usage information to produce
an accurate graphical presentation of where and when energy is being
used in their facility. All changes go to a utility
administrator for approval prior to public posting.

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Business Editors

ATLANTA ----Apogee Interactive, Inc.

About APOGEE Interactive, Inc.apogee., a leader in the nonprofit debt-counseling arena.

Available Topic Expert(s): For information on the listed expert(s), click
appropriate link.

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announced today the release of a first-of-its-kind Commercial Suite of
online , self-service applications designed to help utilities reach
their business customers. Vendors are responsible for entering and
maintaining their own information.prnewswire.

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"This is a customer segment that has real issues and questions
about their energy use. The
company also provides eLearning systems, call center programs and load
management platforms to utilities and their trade associations
throughout North America and New Zealand. FORT LAUDERDALE, Each year, millions of Americans
sink further into debt, and the sad truth is that most Americans have been
conditioned to believe that debt is a normal part of life.

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He is a
certified public accountant, a certified credit counselor , and a noted
financial expert on consumer credit, personal financial planning, and tax
strategies .

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He is the founder of Consolidated Credit Counseling
Services, Inc.

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"
Contributors to the design phase of this collaborative initiative
included LG+E (NYSE: EON), KU, LCEC (formerly Lee County Electric
Cooperative), GreyStone Power Corporation, Coast EPA, CoServ, OG+E
(NYSE: OGE), and the San Diego Regional Energy Office. (www.

jsp?userid=22415

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Within seconds and a few "mouse
clicks," customers get situation-specific answers to their energy
questions - from insulation and thermostat settings to operating
schedules and equipment comparisons. Serving more than
200 utilities nationwide, Apogee's Web-based content and intelligent
software tools reach millions of electricity consumers daily.

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"
The Suite also features a Vendor Locator, a vendor-maintained
application linking customers in need of assistance with those
offering that service.

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For more than a decade , the
firm has consistently created innovative online tools to enable better
communication between utilities and their customers.

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"This allows us to make
the results surprisingly accurate for our customers. "It's packed with practical, everyday ideas business
customers can use to reduce bills increase or increase comfort. Dvorkin
walks readers through the "getting-out-of-debt" process, from assessing the
state of finances and developing a budget, to negotiating with creditors,
consolidating debts, and rebuilding finances after money troubles are over. Dvorkin
http://profnet.

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The Commercial Suite provides a means of quick
and accurate assistance," said Susan Gilbert, Apogee president.net ) is a leading provider of
online solutions for the energy industry.

Please only submit web sites containing consumer information pertaining to the topics of Debt and Bankruptcy.

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"
"While the Calculators are impressive, we believe the online
Reference Library is the most valuable part of the Suite," says David
Ward, LG+E National Account Executive and another of the project's
designers.

Personal Finance Expert Howard S. Dvorkin Releases New Book

"Credit Hell: How to Dig Out of Debt" (Wiley; April 2005; $19.

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The Commercial Suite is an integrated application that seamlessly
links a comprehensive Energy Information Library with a simple-to-use,
energy use and savings Calculator. It's like having a utility
representative available 24/7, whenever you have a question or need
some advice. Dvorkin is one of the most successful individual debt management
and credit counseling advisors in the country and has been advising clients
for nearly 15 years. As an expert who examines consumer credit trends , causes and
effects of financial overextension, Dvorkin has contributed to numerous print
publications and broadcast outlets including the Wall Street Journal, the New
York Times, Family Circle, Consumer Reports, the American Banker, Investor's
Business Daily, and CBS Nightly News with Dan Rather, among others.

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Apogee collaborated with a team of eight
utilities across the country to design the online tool which makes
energy information and energy use calculators available to customers
through the utilities' websites.
The utility can easily update or change building alternatives and
attributes with an administrative interface.
Howard S.

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Apogee Interactive Inc. According to the
Federal Reserve, roughly 43% of families spend more than they earn and almost
half make only minimum payments on outstanding balances.

123 debt

95;
0471737534; Paper) by nationally known financial expert Howard S.

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Apogee Interactive Introduces Self-Service Web Applications for Utility Business Customers

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com/ud_public .

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And
they can peruse it at their convenience.

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