The Mortgage Bankers Association (MBA) reported today that mortgage delinquencies hit a record high in the third quarter: "The delinquency rate for mortgage loans on one-to-four-unit residential properties rose to a seasonally adjusted rate of 9.64 percent of all loans outstanding as of the end of the third quarter of 2009, up 40 basis points from the second quarter of 2009, and up 265 basis points from one year ago, according to the Mortgage Bankers Association’s (MBA) National Delinquency Survey. The non-seasonally adjusted delinquency rate increased 108 basis points from 8.86 percent in the second quarter of 2009 to 9.94 percent this quarter." (For more, click here.) Unlike the TransUnion report that came out yesterday, the definition of being delinquent is a bit more expansive in this report, covering all mortgages that are at least one payment behind, while the TransUnion report was for mortgages that ...

MANHATTAN, NV — (Marketwire) — 11/17/09 — Royal Standard Minerals, Inc.’s (OTCBB: RYSMF) Goldwedge is a permitted gold mining property located in Nye County, Nevada. RYSMF has completed considerable underground development work to evaluate the upper portion of the drill indicated gold system. Concurrently a processing plant was constructed on the property to further test the gold recoveries of the mined material. As a result of this work the company is involved with an equipment upgrade and maintenance program for the Goldwedge plant and the underground facilities. This work includes the removal of current equipment and the reinstallation of a larger capacity grinding circuit in the plant. The purpose of this program is to increase plant throughput and improve reliability of the operation going forward.

The capital requirements for the plant and underground program to advance this project toward full operation is expected to come from current cash, new

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This morning Trans Union, the big credit bureau, released its quarterly report on mortgage delinquencies, and it was not pretty. Nationwide, 6.25% of all residential mortgages were at least 60 days past due in the third quarter, up from 5.81% in the second quarter and 3.96% a year ago. This was the 11th straight quarter that delinquencies increased. Mortgage delinquencies are the first step in a house eventually going into foreclosure, so look for those to start heading up again. Foreclosures have been held down by trial modifications under the HEMP program, but very few of those have gotten to the stage of being final modifications. And even when mortgages are modified, there is a strong tendency for those people to again find themselves in financial trouble. Clearly people not paying on their mortgages is not good news for the big banks like Bank of America (BAC) ...

Nov. 17, 2009 (PR Newswire) — CORALVILLE, Iowa, Nov. 17 /PRNewswire-FirstCall/ — Vivakor, Inc. (OTC Bulletin Board: VIVK) today announced that its Board of Directors approved a dividend of shares of common stock of HealthAmerica, Inc., a Nevada corporation of which Vivakor owns approximately 84% of the outstanding common stock. Each Vivakor shareholder will be entitled to receive one share of HealthAmerica common stock for each share of Vivakor common stock beneficially owned on the record date. The record date for the distribution is expected to be December 1, 2009, subject to review and approval of FINRA, and the distribution date is expected to be December 9, 2009. After the dividend distribution, Vivakor will continue to own approximately 62% of the outstanding common stock of HealthAmerica.

Vivakor shareholders will not be required to take any action to receive the HealthAmerica common shares on the distribution date.

Vivakor Chairman Matt Nicosia

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Crown Equity Holdings, Inc. Entered Into Letter of Intent with DJ Toys and Yana

Las Vegas, Nevada – (CRWENEWSWIRE) November 13, 2009 – Crown Equity Holdings, Inc. (CRWE.OB) announced that it has entered into Letters of Intent to enter into business combinations with DJ Toys Enterprise Corporation and Yana Venture Philanthropy Group, both of which are Taiwan corporations.

“From a company standpoint, the acquisition of DJ Toys and Yana will result in our shareholders having stakes in additional profitable, operating companies,” stated Kenneth Bosket, CEO and President of Crown Equity Holdings, Inc. The companies are now beginning due diligence reviews and negotiating the terms of definitive, material agreements. Once the reviews are completed and terms agreed to, the parties will work to execute an agreement. The agreements are not expected to close until the first quarter of 2010.

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November, 2009 Volume1, Issue 1

One of the Best Electric Vehicle Investment in the Market

Leo Motors, Inc. (OTC:LEOM) is the only company in the world that develops, manufactures and markets premium Electric Vehicle Power Systems that include electric engines, digital controllers, and 12th generation Lithium Polymer Battery Power Packs. LEO proved that it can make sustainable Electric Vehicles (EV) and Plug-in Hybrid Electric Vehicles (PHEV) by producing passenger cars, SUV’s, motor cycles, and buses using these types of power trains. LEO has finished the development of a full array of power trains including: 1.5 kW, 7 kW and 15 kW systems for electric bikes; 30 kW for middle speed neighborhood vehicles (NEV); 60 kW for passenger cars & SUV’s under the 2 liter engine category; 120 kW for full]size passenger cars, mid sized trucks & buses and also

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U.S. Geothermal Inc., a renewable energy company focused on the production of electricity from geothermal energy, owns and operates geothermal power plants at Raft River, Idaho and San Emidio, Nevada, and is developing the Neal Hot Springs project in Oregon. The company strives to create enhanced value for stakeholders while addressing America’s domestic energy needs and promoting a clean environment.

Geothermal energy is energy recovered from the heat of the earth’s interior. Geothermal heat can appear in the form of volcanoes, hot springs and geysers. Classified as a renewable source of electricity, Geothermal energy is an established method of electrical power generation with 2,000 megawatts (MW) of installed capacity in the Western United States.

There are many benefits to utilizing geothermal energy. A geothermal power plant does not burn fuel; energy production is clean, and renewable. It is also a base load source; as a result, geothermal plants are designed to run

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Home Shopping Latino, Inc. has come a long way from CEO Frank Celecia’s original idea two and a half years ago to launch a television shopping channel for the U.S. Hispanic market. In spite of previous ill-fated attempts by others, Celecia felt that the time was now right with a bigger and more prosperous Latino market. HSL sees itself as eventually filling a niche for some 10-13 million U.S. Hispanic homes, a market which is expected to continue to grow to $1 trillion by 2011.

HSL is headquartered in Carson City, Nevada, but its on-air television and website production operations are located in Miami, Florida. The Miami area is a center for Latin television and film production. The company will launch its QVC-style network under the name “Viva Telecompras”, selling gemstones, jewelry, vitamins, and beauty care products, all provided by

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BOISE, IDAHO — (Marketwire) — 11/10/09 — U.S. Geothermal Inc. (TSX: GTH)(NYSE Amex: HTM), will host a telephone conference call for investors and analysts on Wednesday, November 11, 2009 at 4:30 a.m. EDT (2:30 p.m. MDT) to discuss the 2nd Quarter Financials, which were filed on November 9, 2009.

The conference call may be accessed by dialing (877) 407-8133 in Canada and the United States, or (201) 689-8040 internationally. A simultaneous webcast of the conference call will be provided through www.investorcalendar.com/IC/CEPage.asp?ID=152403.

U.S. Geothermal Inc., a renewable energy company focused on the production of electricity from geothermal energy, owns and operates geothermal power plants at Raft River, Idaho and San Emidio, Nevada, and is developing the Neal Hot Springs project in Oregon.

Please visit our Website at: www.usgeothermal.com

Contacts: U.S. Geothermal Inc. Saf Dhillon Investor Relations 866-687-7059 604-688-9895 (FAX) saf@usgeothermal.com

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HENDERSON, Nev., Nov. 11, 2009 (GLOBE NEWSWIRE) — RIVAL Technologies Inc. (OTCBB: RVTI) announced today that it has signed a Letter of Intent with a group of investors that will provide a $6 million financing to the company.

Terms of the proposed agreement are subject to a confidentiality agreement between the parties and will be announced upon successful completion of the agreement expected during the fourth quarter.

The funds will be used to complete engineering and construction of the first TRU process, one barrel per day, continuous feed pilot plant.

Rival continues to negotiate the previously announced opportunity in South America.

Total oil resources worldwide are estimated at roughly 9 to 13 trillion barrels, of which 30% are conventional. Oil sands, heavy oil and bitumen make up the remaining unconventional 70%. Before moving from the field to the refinery, unconventional resources will need to be upgraded and represent the prime market for

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