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

Dear Reader,

Simply put, don’t forget about Ideal Financial Solutions (pink sheets: IFSL).

Sometimes, as other companies make louder noise with massive news of the good and bad varieties it’s easy to forget the tortoise in the race.

But while other headline-grabbing companies in the homeland defense, stem cell and tech sectors seize the attention of today’s investors, a prudent investor might be well served to take a look at companies hitting their goals, growing their businesses, and inevitably… making money that the market has to recognize. And it doesn’t hurt that this company’s product is smack-dab in the middle of what could be a baby boomer-fueled rush on services like that which they offer.

We’ve taken a moment or two to assemble some recent press releases from Ideal Financial Solutions for your perusal. At the very least, scroll downward and simply read the headlines. 

We think you’ll be intrigued.

Recent News From Ideal Financial Solutions

Press Release 
Source: SmallCap Sentinel
Thursday April 21, 9:45 am ET

IRVINE, Calif., April 21, 2005 (PRIMEZONE) -- SmallCap Sentinel announced today that a report focusing on one company's effort to prepare individuals for long-term financial well-being, has been made available to the public through financial courier StockUpTicks.com. ``With inflation spiraling upward and rising fuel costs straining budgets, people are realizing that effective income management and financial planning are necessities,'' stated SmallCap Sentinel analyst D.R. Clark. "Financial service companies like American International Group, Inc. (NYSE:AIG - News), Ideal Financial Solutions (Pink Sheets:IFSL), MetLife Inc. (NYSE:MET - News), and Prudential Financial Inc. (NYSE:PRU - News) may well find heightened need for their services."

The report also more deeply examines Ideal Financial Solution's unique approach to debt management. Ideal Financial Solution's "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's core product offers what the company calls "a common sense approach to realistic debt reduction."

Interested parties may view the information free of charge via this direct link: http://www.stockupticks.com/profiles/11-24-04.html

Supplemental reports on the company will be available through the "Past Profiles" section at StockUpTicks.com or free to subscribers via email.

Statements made herein contain forward-looking statements and are subject to significant risks and uncertainties that will affect the results. SmallCap Sentinel and StockUpTicks.com are properties of Market Pathways Financial Relations Inc. (MP). MP provides no assurance as to the subject company's plans or ability to effect any proposed actions and cannot project its capabilities, intent, resources, or experience.

The information, opinions and analysis contained herein are based on sources believed to be reliable but no representation, expressed or implied, is made as to its accuracy, completeness or correctness. This report is neither a solicitation to buy nor an offer to sell securities but is rather a paid advertisement and is for information purposes only and should not be used as the basis for any investment decision. MP is not an investment advisor and this report is not investment advice. MP has been paid two hundred ninety thousand shares of Ideal Financial for preparation and distribution of this report and other advertising services, and currently owns two hundred ten thousand shares, which MP may sell without restriction and without further notice. Additionally, MP and/or its affiliates, associates and employees from time to time may have either a long or short position in any securities mentioned. This constitutes a conflict of interest as to MP's ability to remain objective in its communication regarding the subject companies.

Contact:

          Market Pathways and StockUpTicks 
          Shannon Squyres
          (949) 955-0107

Source: SmallCap Sentinel

Press Release 
Source: Ideal Financial Solutions, Inc.
Thursday April 21, 9:30 am ET

ST. GEORGE, Utah--(BUSINESS WIRE)--April 21, 2005--Ideal Financial Solutions, Inc. (OTC:IFSL - News), announced today the signing of an Internet marketing agreement with iMarketing International, Inc., the premier Internet home business advertising company.

iMarketing International, Inc. through its proprietary technology, Referralware, offers millions of home based and small businesses premier mass marketing internet based advertising technologies. Since the year 2000, these technologies have become the gold standard of internet based promotions for both the service and hard goods sectors by offering its unique thirty day free trial test methodology. It has leveled the playing field in internet advertising by offering the economies of scale to millions of businesses world wide.

Ideal has innovative and powerful debt reduction and cash flow management products and services for all people (and businesses) at any income level. With the April 1, 2005 release of the iCash Secrets product line featuring the iNet PayRaise component, Ideal offers the most powerful financial package ever assembled at any price. By taking a one stop home based business approach that not only provides immediate tax and disposable income margin benefits but also affords consumers and businesses alike turn key business solutions in billion dollar industries such as consumer goods, computer support, and travel. iCash Secrets is destined to sweep this important market space.

"iCash Secrets is the result of over four years of development and affords the most comprehensive home based business solution package ever devised. I am extremely pleased that Kent Riedesel of Market Data Services was able to negotiate this comprehensive joint marketing agreement with iMarketing International, Inc," said Steven Sunyich, CEO of Ideal Financial Solutions. "The benefits of this arrangement are two fold," stated Mr. Sunyich. "First is the Referralware component to the iNet PayRaise system which immediately allows the average consumer to effectively open a home based business with a solid business plan, advertising support and the ability to choose the market sector in which they feel most comfortable owning a business. The fact that Refferalware will also be marketing iCash Secrets to its 3 million plus past and present users is just icing on the cake."

"With Ideal's leadership in both consumer and business debt reduction technology and its commitment to providing its clients with the most powerful wealth creation products, this association is a natural fit for our members," stated Dean Strickler, CEO of iMarketing International. "We have spent several months developing a scalable education tool to accommodate the millions of new users we anticipate this association with Ideal will create."

More information about Ideal Financial Solutions can be found at Stockinformationsystems.com.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995
Statements in this press release relating to plans, strategies, economic performance and trends, projections of results of specific activities or investments, and other statements that are not descriptions of historical facts may be forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking information is inherently subject to risks and uncertainties, and actual results could differ materially from those currently anticipated due to a number of factors, which include, but are not limited to, risk factors inherent in doing business. Forward-looking statements may be identified by terms such as "may," "will," "should," "could," "expects," "plans," "intends," "anticipates," "believes," "estimates," "predicts," "forecasts," "potential," or "continue," or similar terms or the negative of these terms. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. The company has no obligation to update these forward-looking statements.

Contact:

     Ideal Financial Solutions, St. George
     Steve Sunyich, 800-230-4043, ext. 101
 

Source: Ideal Financial Solutions, Inc.

ST. GEORGE, Utah--(BUSINESS WIRE)--April 14, 2005--Ideal Financial Solutions Inc. (OTC: IFSL - News) announced today it has launched its newest product, iCash Secrets.

iCash Secrets is a five-CD series designed to teach the purchaser how to free up extra cash from their existing cash flow. The product retails for $499 and guarantees the purchaser a 500% return on their investment using Ideal's proven system. The average purchaser will free up a minimum of $300 to $500 a month from their existing cash flow or approximately 10% of their gross monthly earnings.

"This is the product we have been waiting for," said Chad Sunyich, Ideal's executive vice president. "We have been working on this product for months and its release has been well anticipated. Pre-order commitments continue to flow in and we are looking for April to be a great month. The value of this product to multilevel marketing companies, seminar groups and virtually any direct marketing group is substantial," Sunyich said.

"The release of this new product has already opened the door to some of the multilevel marketing giants, a new marketing channel Ideal has planned to enter," said Rich Gardner, Ideal VP of graphic design. "The excitement and enthusiasm this product has generated has all of us looking for bright things in the near future. It's a product that enhances just about any business opportunity by providing true value," Gardner said.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995
Statements in this press release relating to plans, strategies, economic performance and trends, projections of results of specific activities or investments, and other statements that are not descriptions of historical facts may be forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking information is inherently subject to risks and uncertainties, and actual results could differ materially from those currently anticipated due to a number of factors, which include, but are not limited to, risk factors inherent in doing business. Forward-looking statements may be identified by terms such as "may," "will," "should," "could," "expects," "plans," "intends," "anticipates," "believes," "estimates," "predicts," "forecasts," "potential," or "continue," or similar terms or the negative of these terms. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. The company has no obligation to update these forward-looking statements.

To review a video and information on the company, go to stockinformationsystems.com.
Contact:

     Ideal Financial Solutions Inc.
     Steve Sunyich, 800-230-4043
 

Source: Ideal Financial Solutions Inc.

Press Release 
Source: Ideal Financial Solutions, Inc.
Friday April 1, 11:00 am ET

ST. GEORGE, Utah, April 1 /PRNewswire-FirstCall/ -- Ideal Financial Solutions, Inc. (OTC: IFSL - News), announced today its third consecutive month of profits in February 2005.

Profits continued to grow in February and now exceed $97,000 for the year. Distributorship sales continue strong for the third straight month, as the market continues to support and invest in the potential of Ideal's cash flow management system.

We believe product and distributorship sales will continue into the near future, said Lee Boardman, Ideal's new CFO. "These sales will provide the financial support necessary for expansion of its products and services into multiple marketing channels. As we expand our marketing channels into areas such as the Internet and television, we believe the Company's name recognition and credibility will grow resulting in consistent growth of sales and profits."

From a reporting standpoint, Ideal has retained an outside independent accounting firm, Renaissance Financial Group, to compile its monthly financial statements and to assist the Company in preparation for future financial statement audits. "Our goal is to help Ideal prepare their accounting infrastructure and reporting systems so it will be easy for them to complete their audits as they prepare to become a full reporting company," said David White, Senior Partner of Renaissance.

"Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995
Statements in this press release relating to plans, strategies, economic performance and trends, projections of results of specific activities or investments, and other statements that are not descriptions of historical facts may be forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Forward-looking information is inherently subject to risks and uncertainties, and actual results could differ materially from those currently anticipated due to a number of factors, which include, but are not limited to, risk factors inherent in doing business. Forward-looking statements may be identified by terms such as "may," "will," "should," "could," "expects," "plans," "intends," "anticipates," "believes," "estimates," "predicts," "forecasts," "potential," or "continue," or similar terms or the negative of these terms. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, levels of activity, performance or achievements. The company has no obligation to update these forward-looking statements.
 

Source: Ideal Financial Solutions, Inc.
 
 

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.

To offer this comprehensive financial suite in a way that is affordable for everyone, Ideal Financial Solutions has assembled a seasoned management team with extensive experience in partnering with and building successful companies focused on helping individuals achieve financial success. 

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.

Financial Highlights For Ideal Financial Solutions

Recent Price:  $0.035  (05/31/05) Average Daily Volume: 27,500 52-Week High  $0.18 52-Week Low  $0.001 Tfr Agent: Nevada Agency & Trust Co., Reno, NV  Outstanding Shares: 75,829,020 as of 2004-09-07 Estimated Market Cap: $2.650M

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TO CONTACT IDEAL

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Disclaimer: StockUpTicks.com is a property of Market Pathways Financial Relations Incorporated (MP).  The information, opinions and analysis contained herein are based on sources believed to be reliable but no representation, expressed or implied, is made as to its accuracy, completeness or correctness.  Past performance is no guarantee of future results. This report is a paid advertisement and is for information purposes only and should not be used as the basis for any investment decision.  MP was paid two hundred ninty thousand shares of IFSL by Alexander Lindale LLC in November 2004 for preparation and distribution of this report and other advertising services. MP currently owns two hundred twenty thousand shares of IFSL. This constitutes a conflict of interest as to MP’s ability to remain objective in its communication regarding the subject company.  Write or call MP for detailed disclosure as required by Rule 17b of the Securities Act of 1933/1934 - Market Pathways 17595 Harvard Avenue, Suite C519, Irvine, CA  92614.  MP is not an investment advisor and this report is not investment advice, research or analysis. This information is neither a solicitation to buy nor an offer to sell securities but is a paid advertisement.  Information contained herein contains forward-looking statements and is subject to significant risks and uncertainties, which will affect the results.  The opinions contained herein reflect our current judgment and are subject to change without notice. MP and/or its affiliates, associates and employees from time to time may have either a long or short position in securities mentioned.  Information contained herein may not be reproduced in whole or in part without the express written consent of Market Pathways Financial Relations Incorporated.