SmallCap Sentinel: Social Security Woes Drive Interest in Financial Services.

Irvine, Calif., March 17, 2005. The present state of uncertainty regarding Social Security could be a boon t financial management companies, stated SmallCap Sentinel analyst D.R. Clark. “It’s no surprise that the present state of uncertainty regarding Social Security has heightened interest in financial management,” Clark said.

“It’s logical to think that Social Security’s present woes would sound a stern warning to retirement-minded individuals that the already thin safety net of Social Security may not be there when they need it,’ stated Clark. “Companies in the Financial Management space would be likely beneficiaries of this heightened need and I’d be surprised not to see advertising and sales efforts at firms like Merrill Lynch and Co. Inc. (NYSE: MER), Morgan Stanley (NYSE: MWD), Ideal Financial Solutions (OTCBB: IFSL), and Genworth (NYSE: GENW) more acutely address what many are calling a national crisis.

IDEAL FINANCIAL SOLUTIONS, INC. (Pink Sheets: IFSL)

Dear Reader,

You see them on the talk shows, they have newspaper columns, and newsletters.  They are the personal finance gurus offering tips on how to better run household finances or balance the family budget.  The subject is often: Debt - And how to eliminate it.  While all these money pundits have their own take on how best to manage personal finances, 5 or 6 tips isn't really the lifeline that many people need who may be drowning in debt or are simply lost when it comes to navigating their way out of real financial trouble. 

Enter Ideal Financial Solutions, Inc. (IFSL).  Ideal has a one-of-a-kind system to eliminate debt and let the individual or small business begin to acquire wealth - and it has dozens of true testimonials to back up its claim. The Ideal CashFlow Management program is based on solid accounting principles and the so-called 'tricks of the trade' used by the wealthy to take advantage of shedding debt and acquiring wealth.  In short - Ideal Financial offers a common sense approach to realistic debt reduction.

 The U.S. is swimming in credit card debt and personal bankruptcies are on the rise.  The solution for reaching financial stability has to be a workable, "real world" system that addresses the pitfalls of debt.  Ideal Financial has a way out of debt utilizing the effective management of cash flow.  Take a look at IFSL - it just makes sense.
 

About Ideal Financial Solutions

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Turning Debt into Wealth

Ideal Financial Solutions ("Ideal"), is a three-year old company located in St. George, Utah, with additional offices in Salt Lake City, Utah.  Ideal is a pioneer in the automation of individual cash flow and debt management.  Ideal is the first company in the world to focus on building wealth from debt and the first company to introduce the concept of "Personal CashFlow Management" for individuals at any income level. 

Ideal is a solutions-based company and management believes that financial success begins with the effective control of cash flow.  Ideal has integrated its CashFlow Management™ system into a comprehensive, automated program. Ideal’s approach for individuals and businesses empowers the user to accelerate the elimination of debt, find additional cash resources through careful spending and budgeting, and begin leveraging full income earning potential to begin building wealth.

Ideal's 'solution' is a wholly-owned intellectual property that has proven itself with amazing success rates.  A full-service, online debt solution based on converting debt to wealth, the Personal CashFlow Management™ program is a practical tool for both secured and unsecured debt management.  The program is supported by Ideal's exceptional client services department that is focused on helping a user reduce monthly debt payments and eventually eliminating existing debt in a fraction of the normal or 'expected' time.  Providing complete debt and credit services to its clients, Ideal also incorporates Liability Management, Asset Management, and Estate Preservation into its programs.

The Company's management team is comprised of senior level individuals with a variety of backgrounds that range from large banks and software development companies, to Internet start-ups and time management consultants. Current Company management at Ideal has been instrumental to the success of such well known companies as: Novell, Mellon Financial Corporation, eRoomSystem Technologies, and Franklin Covey.  Combining the unique expertise of these individuals, Ideal has assembled a cohesive, powerful management team to bring to the average consumer closer to the goal of securing their financial futures.
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The Industry Of Debt Management

Americans fall into one of two categories, those with positive cash flow and those with negative cash flow.  Those who fall into the positive cash flow category tend to live within their means, service their debts, desire a retirement plan, be properly insured and desire to become debt free.  On the other hand, those who fall into the negative cash flow category tend to add debt carelessly, “Rob Peter to pay Paul,” and struggle to make minimum payments. 

Both categories have a common desire to become debt free.  This makes up the large majority of the American population.

Most companies handle only unsecured debt and work primarily with consumers in the negative cash flow category, which tend to be in need of more desperate help. 

There has also been an influx of companies that focus on those consumers in the positive cash flow category and generally handle both secured and unsecured debt, which generally tend to be the wealthy or those who can afford a financial planner.  Ideal Financial Solutions is the only company that offers solutions for both secured and unsecured debts with either positive or negative cash flow at an affordable price.
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America’s Debt Crisis  When a group of high school seniors were questioned about interest rates, four in ten believed that credit cards and auto loans have lower interest rates than mortgage loans.

In 2001, $670 million of the nations $5.1 trillion in mortgage debt was refinanced, while the typical American household carried an average credit card debt of $7,500, up from less than $3,000 in 1990.  Delinquencies on non-mortgage consumer debt are the highest in a decade. 

In 2001, the U.S. was flooded with approximately 5 billion credit card solicitations. Students from high school to college are beginning to follow the well-established patterns set by large lending institutions. People are instructed to stretch home loans out over 30+ years with adjustable interest rates, explaining the 30-year high for home foreclosures. People are being taught that interest rates, not time, are the most important factors when considering a new purchase. American’s debt to income ratio has risen approximately 25% since 1992. 

The CashFlow Management Product & Service

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CASHFLOW MANAGEMENT™

Ideal's CashFlow Management™ system can get an individual, a family, a small business completely out of debt in 1/3 to 1/2 the time and save hundreds of thousands of dollars in interest, while paying no additional money per month. This is accomplished by entering all the relevant financial information into the Ideal computer model, which analyzes the financial information and determines the best solution to eliminate all debt. 

Power Payment is a tool that has been used by the wealthy for years to help structure monthly debt payments. Because the wealthy could afford to hire financial planners to help administrate the payment of their monthly obligations, they created the discipline necessary for successful completion of a power payment program. This approach strategically ranks each debt based on interest rates, balances, payments, etc. to determine the most efficient application of additional principal payments. 

Bill Manager is an online bill payment system that works with Ideal’s CashFlow Management and automates the way a client receives and pays bills. BillManager provides structure, convenience and discipline for controlled automation of monthly debt payments. BillManager will allow the client to view, pay and track all their bills online. The client simply puts the money into the bank each month and every bill will be automatically paid saving money in interest expenses.  You never write checks for your monthly debt payments again. Metavante, a Marshall & Ilsley Corporation, manages all Electronic Funds Transfers; Ideal never touches the clients money. 

DebtManager™ is an online tool designed to automatically implement Ideal’s Power Payment system. Through this powerful tool, the client has their entire CashFlow Management Plan at their fingertips. The client can track their progress in realtime and see the "true" results of the purchase in a financial future. Upon payoff of a current debt, DebtManager determines the most efficient method of servicing any remaining debts. 

Debt Settlement puts the client in the driver's seat, levels the playing field between the client and their creditors and with the Ideal professional debt negotiator, unsecured debt can often be settled for 50 to 60 cents on the dollar. No more high monthly payments on expensive credit card debt. 

Debt Workout provides help to those who have found themselves in a hardship situation by consolidating expensive credit card debt into one affordable payment. Debt Workout reduces high interest rates, stops the harassing phone calls and reduces debt payments by as much as 50%. 

Tax Settlement or Offers in Compromise allows a qualifying taxpayer to settle unpaid tax liabilities for pennies on the dollar. The Ideal Financial professional law office can help a client get a favorable settlement with an experienced IRS tax attorney. 

Student Loan Consolidation (SLC) is a federally sponsored program aimed at consolidating federally sponsored student loans into one low interest federal loan, reducing monthly payments by as much as 40%. With SLC, all forbearance and deferment privileges are reset and interest may be tax deductible. 

Mortgage Services provides solutions that help consolidate higher interest debt into a lower interest equity loan. Ideal works with over 100 lenders nationwide to get the lowest possible interest rate with little or no upfront fees. Ideal specialize in firsts, seconds, interest only, refinances and more. 

CashFlow Management™  is the first and only “one stop debt and credit shop,”  specializing  in the conversion  of debt into wealth.

Recent News From Ideal Financial Solutions

Press Release 
Source: Ideal Financial Solutions, Inc.
Tuesday November 23, 11:15 am ET

ST. GEORGE, Utah, Nov. 23 /PRNewswire-FirstCall/ -- Ideal Financial Solutions, Inc. (OTC: IFSL - News), announced today the launch its new "WEALTH BUILDER" Program with CD.

Ideal's new Wealth Builder Program is an instructional product that employs a CD as an integral part of its tutoring. It is a unique program that educates clients on how to control their finances and helps them avoid the pitfalls of consumer debt that plague most Americans. The purpose of the Wealth Builder Program is to promote financial awareness and help consumers turn "Debt into Wealth."

"The Wealth Builder Program is a tool that helps our sales force direct our clients to our 'Personal CashFlow Management' and other financial management products," said Chad Sunyich, Ideal's Executive Vice President. "This allows us to sell numerous products to each client to help mange his finances and opens the door for countless new clients and additional revenues."

"The Wealth Builder Program is the second proprietary product developed by Ideal this year and is a key element in the roll out of our direct marketing sales channel this quarter. With the Wealth Builder Program sold in conjunction with our CashFlow Management product, we are now ready to expand our sales into new channels, such as direct sales and telemarketing, etc.," said Sunyich. 

To read the complete release, the link is Here

Press Release Source: Ideal Financial Solutions, Inc. 
Thursday October 7, 4:05 pm ET 

ST. GEORGE, Utah, Oct. 7 /PRNewswire-FirstCall/ -- Ideal Financial Solutions, Inc. (OTC: IFSL - News), a pioneer in personal cash flow management and automated debt to wealth tools, announced today announced today that it signed a professional services agreement with RevComm, Inc., an Internet communication software provider. To read the complete release, the link is Here

Press Release Source: Ideal Financial Solutions, Inc. 
Friday October 1, 4:05 pm ET 

ST. GEORGE, Utah, Oct. 1 /PRNewswire-FirstCall/ -- Ideal Financial Solutions, Inc. (OTC: IFSL - News), a pioneer in personal cash flow management and automated debt to wealth tools, announced today that it signed an Internet Media agreement with Outward Media, Inc., a Los Angeles-based Internet media advertising company. To read the complete release, the link is Here

Press Release Source: Ideal Financial Solutions, Inc. 
Thursday September 16, 4:30 pm ET 

ST. GEORGE, Utah, Sept. 16 /PRNewswire-FirstCall/ -- Ideal Financial Solutions, Inc. f/k/a Jaguar Gaming Corporation (Jaguar) (OTC: IFSL - News), announced today that they acquired Ideal Financial Solutions, Inc., (Ideal), a Nevada private corporation that specializes in cash flow and financial management. To read the complete release, the link is Here
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Financial Highlights For Ideal Financial Solutions

Recent Price:  $0.06  (11/23/04) Average Daily Volume: 27,500 52-Week High (09/15/04) $0.250  52-Week Low (11/05/03) $0.002 Tfr Agent: Nevada Agency & Trust Co., Reno, NV  Outstanding Shares: 75,829,020 as of 2004-09-07 Estimated Market Cap: $5.308M as of 2004-10-08

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TO CONTACT IDEAL

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