Financial Calculators, Inc., dba CalcXML, is still growing even in our poor economic situation. We continue to acquire new clients for our online financial calculators and related tools. I had shut down RemindMeCall as the phone lines were run to my home office in Riverton from which we recently moved. It was a "break-even" business as we did not apply much marketing effort to it. It was fun to build it and run it for a few years though. LaunchCrew has been dissolved and its software, OurCrew, was absorbed into the company of two of the other business partners (RedTreeLeadership.com). The product is now called The Performance Index System, and I think they are doing okay with it.

About two months ago, we took on another web application development project for True Care Companies, LLC. The web application is used to track essential daily information needed by those who are caring for "special needs" individuals in their homes. Various reports are required by the State of Utah and the web application helps create and organize this information. http://www.truecareutah.com/home.html

While I still maintain WhiteSand Solutions as a business entity, I do not do too much business anymore through this company of mine. I maintain my Ideal Financial Solutions, 1st Stop Equipment and GAPay clients and associated software, but have moved my main focus to new and exciting opportunities.

I am Owner/Partner in the following companies, and I'm doing software design and development for all of them:

• CalcXML, LLC
• Financial Calculators, Inc
• RemindMeCall, LLC
• LaunchCrew, LLC

Also, look for HelpMeFinancial.com in Q1 of 2008, a new consumer financial portal which will leverage much of the calculator and article content we own.

1st Stop Equipment Shop, a seller of heavy equipment and supplies, has chosen WhiteSand Solutions to develop, host and maintain a web site for them. The site will provide a storefront for the sale of heavy equipment and supplies, including an interface to allow 1st Stop Equipment personnel to upload pictures and enter data on all its inventory.

The site will be located here: 1st Stop Equipment.

The Riverton City Baseball league has chosen WhiteSand Solutions to develop, host and maintain a web site for them. The web site will be the central location where all administrators, coaches, players and parents can get information throughout the baseball season. League rules, contact information, and game schedules are just a few of the things that will be available on the web site.

The site will be located here: Riverton Baseball.

The WhiteSand Solutions development team is pleased to announce the release of iDebtManager, which is Phase II of Ideal Financial Solutions' CashFlow Management System.

iDebtManager allows users of the CashFlow Management system to stay up-to-date on the progress they are making in becoming debt free by tracking the balances on all debts being managed by the CashFlow Management System. All of the user's debts that are being managed by the CashFlow Management System can be viewed individually and payment amounts can be adjusted if desired. New debts can also be added to the system.

A Payoff Timeline is available which allows users to see when each debt is scheduled to be paid off as well as the progress they are making to become debt free. The Payoff Timeline gives the user the ability to compare how he is actually doing in his efforts to become debt free against the CashFlow Management System's proposed plan.

To see a demonstration of iDebtManager's functionality, visit the Ideal Financial Solutions' website and select Ideal Solutions on the Main Menu on the left.

The WhiteSand Solutions development team is pleased to announce the release of the CashFlow Management System, which has been developed for Ideal Financial Solutions.

America is getting deeper and deeper into debt. The average U.S. household owes close to $20,000 in consumer debt alone and that figure continues to rise. Many households are at a loss on how to get out of debt. This is where Ideal Financial Solutions' CashFlow Management System can help.

Call Centers across the United States have purchased distributorships with Ideal FSI to market the CashFlow Management System. Using the software created by WhiteSand Solutions, end users and Call Centers alike can create accounts, enter their financial data, and within a week, have their financial data analyzed by top financial experts using the tools provided in the CashFlow Management System.

Without increasing the client's monthly payments, debts are paid off in half the time and the remaining years are all wealth building years. Ideal FSI takes care of paying your debts each month using Metavante's automatic BillPayment system. All you have to do is make sure the monthly amount is in your bank account on the prescribed day each month and everything else will be taken care of.

The WhiteSand Solutions development team is pleased to announce the release of the GAPay System. GAPay is a simplified, affordable, and secure online system to help general agents accurately determine commissions and bonuses for their agents and brokers.

The functionality for the system has been specified and tested over the past 10 months by the CPS United staff, who have many years of experience in the insurance industry. GAPay has replaced a manual, time consuming, and error prone system. What used to take days to accomplish now only takes hours, saving general agents hundreds of dollars each month and letting them rest a little more easily knowing that their commission records are being tracked accurately each month.

GAPay is built using well established and proven technologies. It was written in adherence to accepted "best practices" for web application development and incorporates many of the tried-and-tested J2EE Patterns for web development.

WhiteSand Solutions, LLC. and Ideal Financial Solutions, Inc. have signed a software development contract in which WhiteSand Solutions will develop a debt reduction/wealth building web application.

Ideal FSI currently uses a home-grown Excel spreadsheet based application, along with a variety of other tools to help them service their existing and future client base. The project will involve the "porting" of this existing functionality to a single, robust, and extensible software application.