Term Life Insurance And Longevity

Longevity Alliance Makes it Easier to Buy Term Life Insurance

IQuote.com, a Longevity Alliance company, has launched IQuote Advantage, a new streamlined online process called that makes it easy and convenient to shop for term life insurance quotes.

Washington, DC (PRWEB) October 31, 2007 -- IQuote.com, a Longevity Alliance company and leader in providing term life insurance for over twenty years, has launched IQuote Advantage, a new streamlined online process called that makes it easy and convenient to shop for term life insurance quotes.

By visiting www.IQuote.com and entering six data points about insurance needs, a consumer will receive up to twenty different term life insurance quotes from as many as five companies. Visitors to the site then choose the amount of coverage and the company and request an application online or by telephone. For a more customized quote, visitors can provide additional personal information, based on factors common to many insurance policies. IQuote represents more than 15 highly rated life insurance companies.

IQuote Advantage instantly delivers up to 20 term life insurance quotes based on questions that insurers actually use in pricing insurance policies. Users can easily change the quote online (www.IQuote.com) to tailor it to meet their needs, apply for a policy and consult with an experienced professional by telephone.

"One of the biggest barriers to getting the best term life insurance isn't cost, but time," said Steve Zaleznick, President and CEO of Longevity Alliance. "IQuote provides more accurate quote faster and offers more flexibility in generating a personalized quote. Improving the customer experience and getting them the most accurate information possible are major components of our commitment to the customer."

For those looking for the best term life insurance quotes over the phone, IQuote Advantage is available offline, too. Licensed representatives are available toll-free at 1-800-972-1104 and can help the buyer through the process, determining which policy best fits their needs and their budget. From quote through application, all of the interaction between the consumer and the agent is by telephone, email and mail.

Based in Washington, DC, and with call-center operations in the Phoenix, Arizona area, Longevity Alliance Inc. helps consumers find the right products to meet their needs by surveying the marketplace and contracting with high quality financial and insurance companies to provide consumers with a range of choices in each product category. IQuote (www.IQuote.com) is a division of Longevity Alliance Inc. Longevity Alliance is staffed with experienced senior executives in aging, insurance and financial services who have spent decades working for the biggest names in products and services for older Americans. Longevity Alliance Inc. makes available long-term care insurance, Medicare health insurance plans, annuities and investments The company also publishes Momentum¸ a monthly newsletter targeting issues of importance to people 50+. Consumers can sign up for a free online copy at www.longevityalliance.com/newsletter. For more information, visit www.longevityalliance.com.

Note to Editors: Screenshots of IQuote Advantage and sample price quotes are available upon request.

Press Contact: BRENDON SHANK
Company Name: Longevity Alliance
Phone: 202-256-2083
Website: www.iquote.com

Securities Industry Broker Training School

BrokerTrainingSchool.com, Inc. Begins Accepting Students

BrokerTrainingSchool.com is now enrolling students for its program to train, license and help place investment professionals for careers in the securities industry.

St. Petersburg, Florida (PRWEB) September 7, 2007 -- Capitalizing on both the demand for registered representatives in the financial services industry and the need for an alternative pathway for individuals to become securities licensed, BrokerTrainingSchool.com, Inc. has begun accepting students for securities licensing training.

"BTS.com will help individuals- teachers, real estate agents, accountants and others that are intrigued by the opportunities in financial services but find the current pathway to becoming an investment professional too onerous," stated Paul A. Werlin, President of BTS.com. "In addition, BTS.com will help fulfill the widespread demand for new FINRA (Financial Industry Regulatory Authority, Inc., formerly known as the NASD) licensed professionals in all segments of the securities industry".

Under current federal and state regulations, in order to take FINRA licensing examinations, a person must become an employee and be sponsored by an FINRA member firm and commit to study programs requiring inconvenient time commitments and travel. BTS.com will provide comprehensive training to individuals seeking these licenses without having to quit their current jobs, and receive the training and support they need at their own pace at home and on their own computer.

"BTS.com will breakdown the barriers that make it hard for individuals to become licensed stockbrokers without the necessity of quitting their current job, finding a new job with a brokerage firm, and receive placement help to begin their career as an investment professional," Werlin stated. James Nonnengard, President of Colonial Brokerage, Inc. in Montgomery AL, confirmed the need for BTS.com. "There is both a strong demand for new registered representatives, as well as considerable interest from career-changers to become registered representatives. But we have found that many successful professionals, some with strong links in their communities, turn away from making this change because they aren't ready to quit their current job or commit to training programs with inflexible schedules. BTS.com will make it so much easier for these individuals to become licensed and enter the industry."

BTS.com will initially provide training for FINRA series 6, 7, 66, 65 and 63. Other training will be provided at a later date. Information about BTS.com's products and services can be found on their website, BrokerTainingSchool.com. BTS.com is currently accepting a limited number of students and expects to expand their student body within the next 90 days.

Press Contact: PAUL WERLIN
Company Name: BrokerTrainingSchool.com, Inc.
Phone: 727-898-0212
Website: www.BrokerTrainingSchool.com

Homeland Security and Security Management Specializations

Capella University Announces New Homeland Security and Security Management Specializations

Online university offers specializations through its BS in Public Safety online degree program

October 26, 2007 - MINNEAPOLIS--(BUSINESS WIRE)--Capella University (www.capella.edu), an accredited(a), fully online university based in Minneapolis, announced today that it is offering two new specializations within its Bachelor of Science in Public Safety online degree program - Homeland Security and Security Management. The specializations are designed to help meet employment needs within these growing fields. The Homeland Security specialization focuses on managing public security in relation to federal resources, while the Security Management specialization focuses on preparing individuals for leadership within the private security field.

"Since the Department of Homeland Security was created in 2001, it has grown into one of the largest federal agencies, and there are also many homeland security employment opportunities within other federal agencies and state and local governments. Our new Homeland Security specialization is designed to help prepare students to succeed in these important positions," said John Sullivan, Jr., PhD, Public Safety faculty chair in Capella's School of Undergraduate Studies. The National Security Agency and U.S. Department of Homeland Security have designated Capella University a National Center of Academic Excellence in Information Assurance Education. Capella is also one of few schools to have an educational alliance with the FBI.

"Our other new specialization, Security Management, focuses on the needs of private industry, where security has also increased in importance," said Dr. Sullivan. "Much of the nation's infrastructure is privately owned and there's a growing recognition that this needs to be protected, for both business and national security reasons."

Dr. Sullivan exemplifies Capella's philosophy of recruiting highly experienced scholar-practitioners for faculty and program leadership positions. Prior to beginning his academic career, which included service as academic dean and founding director of graduate studies in criminal justice for Lynn University, Sullivan had an extensive career with the U.S. Customs Service. He was a U.S. Treasury agent specializing in criminal investigations of fraud, internal security, money laundering, and child sexual exploitation before becoming an agent-in-charge of two large field offices. He also served as U.S. Customs headquarters section chief for general smuggling, during which time he authored some of the earliest threat assessments on terrorism in the 1980s. He has been a guest instructor at both the Federal Law Enforcement Training Center and the FBI Academy, has testified before Congress on crimes against children, and has served on the executive protection details of U.S. presidents and their families, presidential candidates, and heads of state. His professional certifications include Certified Homeland Security Practitioner (CHS-V), Certified Fraud Examiner, and Certified Business Manager, among others.

Capella is now accepting enrollment applications for its BS in Public Safety, Homeland Security and Security Management specializations. For more information, please call 1.888.CAPELLA (227.3552), option 3, or e-mail info@capella.edu. Review of these specializations is pending in AZ, FL, KY, SC, and WA. Contact an enrollment counselor for additional information.

About Capella University

Founded in 1993, Capella University is an accredited(a), fully online university that offers graduate degree programs in business, information technology, education, public health, human services, public safety, and psychology, and bachelor's degree programs in business, information technology, health, and public safety. Within those areas, Capella offers 104 graduate and undergraduate specializations and 15 certificate programs, as of October 23, 2007. The online university currently serves more than 19,000 students from all 50 states and 56 countries. It is committed to providing high-caliber academic excellence and pursuing balanced business growth. Capella University is a wholly-owned subsidiary of Capella Education Company (NASDAQ:CPLA), headquartered in Minneapolis. For more information, please visit http://www.capella.edu or call 1.888.CAPELLA (227.3552).

(a)Capella University is accredited by The Higher Learning Commission and is a member of the North Central Association of Colleges and Schools (NCA), http://www.ncahlc.org.

Capella University, 225 South Sixth Street, Ninth Floor, Minneapolis, MN 55402, 1.888.CAPELLA (227.3552), www.capella.edu.

Contacts

Capella University
Irene Silber, 612-977-4132
Irene.Silber@capella.edu

Wiki Sells Over 1000 Web Pages in 11 Days

One Buck Wiki Sells Over 1000 Web Pages in Just 11 Days Since its Launch

Zedomax Network has launched a new website called OneBuckWiki.com

(PRWEB) October 24, 2007 -- Zedomax Network, a San Francisco-based Web2.0 company, has launched a new website called OneBuckWiki.com on October 12th. Users can buy a web page for only ten dollars guaranteed for at least 15 years. There is a strong buzz among bloggers and eBay users that the One Buck Wiki might be the next marketing tool for traffic and search engine optimization.

Since their launch 11 days ago, the One Buck Wiki seems to have caught fire among some of the Internet entrepreneurs, selling over 1000 pages while averaging about 100 pages per day.

Tempted by the exponential growth of the website, couples users have bought 50 pages at a time buying product keywords as "MP3" and "Cellphone". The One Buck Wiki page-owners have even started selling their pages on eBay.

Most users of the One Buck Wiki have pasted YouTube videos, forums, blogs, or simply put some interesting content with ads to generate revenue from incoming traffic. Some users have even bought their own names in order to reserve their spot in history.

Users can buy a page for only 10 dollars (Limited time only). As page owners, they can promote a blog, e-store or any other website(s). The page(s) users buy will solely have their content and no one else's.

"Basically, it's like Wikipedia but you can buy your own page that only you can edit. With all the spam issues with Wikipedia, paid Wikis such as One Buck Wiki are going to be great alternatives to businesses that are trying to promote their products and services," says Max, One Buck Wiki's founder.

The value of all pages will go up to $20 per page once when they have sold 2000 pages. At the rate they are selling their pages, One Buck Wiki might sell another 1000 pages within the next couple weeks.

The One Buck Wiki is a highly developed brand "new" concept on the ideas of the MDW (MillionDollarWiki.com) and the MEW (MillionEuroWiki.com).

The MillionDollarWiki does seem to have excited the Internet crowd, with some customers buying up to 15 pages at a time. Pages have even been traded, with the "Business" page selling on eBay for $6100.

Basically, the difference between the MillionDollarWiki and the OneBuckWiki is that a person can buy a page for ten dollars instead of one hundred dollars.

They have also launched the Five Dollar Wiki where users can buy pages for five dollars.

Zedomax Network will also be launching more Wiki sites in the near future where users will be able to benefit from community traffic and viral marketing.

OneBuckWiki.com: http://OneBuckWiki.com

FiveDollarWiki.com: http://FiveDollarWiki.com

Zedomax.Net: http://Zedomax.Net

Contact Info:
Jung Lee aka Max Lee
Zedomax Network
310 Arballo Dr. #12M
San Francisco, CA 94132
415-871-8295
Zedomax (at) Gmail.com

Press Contact: Max Lee
Company Name: OneBuckWiki.com
Phone: 415-871-8295
Website: http://onebuckwiki.com/Main_Page

Credit Counseling and Debtor Education

Bankruptcy Credit Counseling and Debtor Education Provider Information

Important Information for Bankruptcy Pre-Filing Credit Counseling Agencies and Bankruptcy Pre-Discharge Debtor Education Providers.

(PRWEB) October 15, 2007 -- The American Association of Debt Management Organizations (AADMO), the largest trade association for the credit counseling industry, will feature program sessions important to bankruptcy pre-filing credit counseling agencies and bankruptcy pre-discharge debtor education providers at the AADMO Fall Conference in Austin, TX on October 22 and 23, 2007.

According to Mark Guimond, Executive Director of the AADMO, "Agencies that are providing bankruptcy reform pre-filing credit counseling need to know what's happening in their sector of the industry. Now they have a source for timely and important information. AADMO offers the best program designed to help them and keep them informed."

"The states are starting to take notice of pre-filing counseling and requiring compliance with the applicable state laws. Providing this service pursuant to a federally mandated program does not exempt these agencies from other laws. We have state regulators and others who will make this crystal clear and explain what's happening in the law", said Guimond.

"Do you know if you are required to propose "60/60" plans? Are there specific fee limitations on "60/60" plans? May "60/60" plan payments be disbursed through or outside of the credit counseling agency? Can "60/60" plans subject an agency to new legal compliance requirements under state or federal law? If you want to know the answers to any of these questions, this program will help you learn the law of less than full balance payments and "60/60" plans above and beyond those laws governing traditional credit counseling functions", added Guimond.

Sessions for bankruptcy pre-filing credit counseling agencies and bankruptcy pre-discharge debtor education providers:
* "60/60" Plans and Less Than Full Balance Payments - Understanding the Applicable Laws
Speaker:         Robby Birnbaum, Greenspoon Marder
* The Law of Illinois - Credit Counseling and the Law as it Applies to "60/60" Plans and Less Than Full Balance Payments
Speaker:    Susan Gold, Illinois Department of Financial & Professional Regulation
* The Law of Kansas - Credit Counseling and the Law as it Applies to "60/60" Plans and Less Than Full Balance Payments
Speaker:    Adrian Serene, Kansas Banking Department
* The Law of Alabama - Credit Counseling and the Law as it Applies to "60/60" Plans and Less Than Full Balance Payments
Speaker:    Jane Brannan, Alabama Securities Commission
* Bankruptcy Reform:     Value of Credit Counseling Requirement is Not Clear
Speaker:         Jason Bromberg, U.S. General Accountability Office
* Credit Counseling, Debtor Education and Bankruptcy Reform at the 2 Year Mark
Speaker:     Henry Hobbs, Executive Office for United States Trustees

Other sessions will include:
* The actual Experience of Audit and Revocation - One Credit Counseling Agency Shares it All!
* Leads and Referrals: Not the Same Old Ballgame
Speaker:         Jeffrey Tenenbaum, Venable
* Credit Counseling Industry Legislative Update
Speaker:         Mark Guimond, AADMO Executive Director
* Valuing Account Portfolios - Results and Analysis of the Industry Survey
Speakers:         Paul A. Baumann, Leslie Moreau
* 143 Audits - Why This Exact Number is Significant!
* State Regulators
* NCCUSL Uniform Debt Management Services Act - "Stand-By Committee" Recommendations

The AADMO Fall Conference program and registration information can be found at www.AADMO.org.

About AADMO:
AADMO is the largest trade association for the credit counseling and debt management industry. Nationwide, the majority of licensed and legally operating credit counseling agencies are members of AADMO.

AADMO is working diligently to ensure the continued operation and viability of credit counseling and debt management organizations. AADMO provides important education and information for the entire industry.

AADMO is an industry education and advocacy organization whose mission is to promote and ensure the continued operation and viability of credit counseling and debt management organizations. AADMO provides its members and the consumer public with information about the credit and debt counseling industry.

AADMO members are consumer credit counseling agencies, debt management organizations, credit counselors, personal finance educators, credit and debt information educators, consumer lawyers and many others.

AADMO is the only trade association to have held state law compliance workshops with the New York State Banking Department and the California Department of Corporations upon enactment of their respective laws governing credit counseling. AADMO is also the only trade association for the industry to publish a formal summary of state laws that has been reviewed by state regulators.

Press Contact: MARK GUIMOND
Company Name: AADMO
Phone: 281-361-2325
Website: www.AADMO.org

Credit Card Factoring For Quick Capital

Credit Card Factoring Quick Holiday Season Inventory Capital for Retailers

The holiday season is almost here and many retailers find themselves low on cash to purchase needed inventory. Since the holiday season can be as much as 40% of a merchants yearly sales, this can pose a major financial problem. An exceptional solution to this potential problem is a credit card factoring advance.

Las Vegas, NV (PRWEB) October 5, 2007 -- The holiday season is almost here and many retailers find themselves low on cash to purchase needed inventory. Since the holiday season can be as much as 40% of a merchant's yearly sales, this can pose a major financial problem. An exceptional solution to this potential problem is a credit card factoring advance.

"This product is very unique," said Daniel Ollman, President of Crown Financial Services, Inc. "It's a purchase of an asset, not a loan, so we have to use specific language consistent with a purchase of an asset, like retrieval rate and discount rate instead of interest rate. A lot like traditional factoring but it's of a sale that hasn't yet happened."

A credit card factoring advance provider gives merchants a lump sum of cash now. In exchange, merchants agree to pay back the principal and fee, by giving the company an agreed percentage of their credit card sales until their balance is zero. This percentage is usually between 12%-24%. The payback time-frame is only 5-12 months.

Merchants generally must use the providers' credit card processor because the advance is paid back automatically as a percentage of each batch's proceeds. A small number of credit card factoring advance companies do not require the merchant to change credit card processors. So if this would be a problem, make sure to ask the credit card factoring company you are thinking about working with.

"A credit card factoring advance is very different from traditional funding programs," said Daniel Ollman, President of Crown Financial Services, Inc. "In essence, we purchase a small percentage of future MasterCard and Visa revenues, and the merchant repays this as a daily percentage of those revenues."

Getting cash from banks can be difficult for some businesses, particularly retail, restaurant, franchisees or seasonal businesses. These merchants most heavily use credit card processing, so a credit card factoring advance program offers a number of benefits.

Merchants Like It
"The cash is usually available more quickly than it is with traditional loans said Ollman. These programs appeal especially to retail and restaurant merchants not only because these types of businesses can rarely get traditional funding, but also because of the immediate liquidity". Most cash advance providers advertise that the cash can be available in about 7-10 days.

How Providers Make Money
According to Ollman, financing charges can vary widely, not just from one provider to another, but from one advance to another. The finance charge is determined by underwriting which takes into consideration the industry type, amount of advance and the length of time to repay the advance as well as other factors. "As an example, the range of financing on a $10,000 advance could be as low as $2,000 or as high as $4,000. That's a 50% difference," he said.

"The merchants interested in a program like this may have a hazy or troubled credit history. They'll have things like past tax issues, delinquencies, collection matters, liens or judgments that would be an automatic red flag for a conventional bank." The credit card factoring industry caters to businesses that can't get traditional funding.

"The provider of the cash advance takes all of the risk," Ollman said. "The risk is high, but since it is paid out of projected future sales, it is typically a risk worth taking."

Seasonal businesses that need cash to carry them through lean seasons or merchants who have an unexpected downturn in business (say because of road construction, building repairs or extended illness) might find a need for a cash advance until business picks up again. However, credit card factoring advance companies say that ailing businesses are not the only merchants interested in this kind of program.

Many types of businesses are often underserved by banks. "Take for example a restaurant," Ollman said. "It could be a very successful business, but a traditional bank wants to see tangible assets. Perishable foods or used restaurant equipment just won't make the cut, even if that restaurant is packed every night."

There are many examples of times when owners of healthy small businesses could use cash to help build their businesses but can't get the traditional funding necessary. These include franchisees who have exhausted their savings to purchase their first franchise and want to open a second one; merchants whose competitors have closed and have the chance to buy their competitor's old inventory or move into a new location; expansions; buyouts; or simply the desire to move quickly on a perceived new opportunity. Often a credit card factoring advance is the only quick way to receive needed capital.


Press Contact: Daniel Ollman
Company Name: Crown Financial Services, Inc.
Phone: 702-367-3281
Website: http://www.crownfinancialservices.net

Home Mortgage Loan Data Offered

LendingPatterns(tm) Now Features New 2006 HMDA Data

October 02, 2007 - EAGAN, Minn.--(BUSINESS WIRE)--AllRegs, the leading online publisher for the mortgage lending industry, is proud to announce the availability of the new 2006 HMDA Data in LendingPatterns(tm). LendingPatterns(tm) is a revolutionary web-based HMDA data mining and exploration tool that analyzes millions of records for thousands of lenders. Developed by CLC Compliance Technologies, Inc. and exclusively distributed by AllRegs, the tool produces executive level reports on numerous aspects of mortgage lending in America.

Analyzing HMDA Data With LendingPatterns(tm)

Data derived from the national Home Mortgage Disclosure Act (HMDA), Loan Application Register (LAR) for 2004, 2005 and now 2006, is comprised of almost 37,000,000 records filed by more than 8,800 lenders in the United States. This raw data by itself has no intelligence and cannot be applied directly to solve mortgage lending business issues. LendingPatterns(tm) anticipates the kind of information that the industry is likely to desire (size of market, ranking of competitors, approval rates, denial rates, low/moderate income lending, high-cost lending, etc) and is the only fully accessible national HMDA database on the Internet.

"We at AllRegs are very excited to offer LendingPatterns to our customers," says Dan Thoms, Senior Vice President for AllRegs. "The vast number of reports available from this tool is astounding, based on topics such as Market Analysis, Fair Lending, Spread/Pricing Analysis and GSE Investor Activity. Not only can users determine who they are lending to, or who their competitors are lending to, they can also review their own data to determine if they are staying compliant. It is as much a compliance resource as it is a marketing and sales resource."

LendingPatterns has built-in mortgage lending intelligence to address practical lending issues. "HMDA data is a vital resource of information for public and private stakeholders, and has had a major influence on the evolution of the growth in home mortgage lending," says Maurice Jourdain-Earl, Founder and Managing Director of CLC Compliance Technologies, Inc. These reports can be used to develop marketing strategies, loan production strategies as well as a tool to access the home lending needs of communities.

Subscriptions are based on individual named user licensing. One named user has access to the product. Discounts for multiple subscriptions are available. Exceptions apply. For further Lending Patterns(tm) information, visit www.allregs.com or call (800) 848-4904.

Contacts
AllRegs
Dan Thoms, 651-289-4801