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

Record Home Foreclosure Calls

National Foreclosure Hotline Reaches Record High Call Volume

The Homeownership Preservation Foundation has received more than 100,000 calls from concerned homeowners since beginning of the year, shattering call records set in 2006

October 18, 2007 - MINNEAPOLIS--(BUSINESS WIRE)--The upward trend of calls to the Homeownership Preservation Foundation's Homeowner's HOPE Hotline continues, with counselors fielding almost 60,000 calls in the third quarter of 2007. This doubles the call volume from the previous quarter and represents a more than ten-fold increase from the same quarter in 2006.

A nonprofit organization dedicated to helping Americans avoid foreclosure, the Homeownership Preservation Foundation (HPF) operates a national 24/7 helpline - 888-995-HOPE - that offers homeowners personalized assistance to help manage mortgage payment concerns. According to HPF, almost 25,000 homeowners received mortgage counseling during the third quarter - up from 15,000 completed counseling sessions in the second quarter.

"Troubled homeowners are more aware of our services because of the intense media coverage surrounding the foreclosure crisis," says Colleen Hernandez, president and executive director of HPF. "It's encouraging to know we've been able to reach out to so many homeowners. With more than a million Americans facing possible foreclosure, we are working hard to expand our counseling capacity and continue our commitment to preserving homeownership through our services."

Foreclosure filings skyrocketed to 240,000 in August 2007, a 110 percent increase from the same month a year ago, according to reports by RealtyTrac, a company that tracks home foreclosures. This increase equates to one foreclosure filing for every 510 households. August's total represents the highest number of foreclosure filings reported in a single month since RealtyTrac began recording monthly filings two years ago.

Struggling homeowners are being more proactive in asking for help. HPF data shows that calling during the early signs of trouble increases the likelihood of positive post-counseling outcomes, as more options remain open to the homeowner. Among the homeowners who called 888-995-HOPE, 24 percent were less than one month behind in mortgage payments, which is up from 21 percent during second quarter 2007.

"The sooner a struggling homeowner asks for help, the easier it is to formulate a plan," said Hernandez. "But, no matter the situation, HPF can provide options and information to help."

Key Statistics - Third Quarter 2007

Foreclosure can happen to anyone, regardless of socioeconomic status, demographic or type of mortgage. Current trends observed by hotline counselors include the following:

    * California accounted for the highest percentage of homeowners receiving counseling (14%); Ohio ranked second (12%) and Illinois third (6%).
    * Fixed-rate mortgages represented 33 percent of callers while adjustable-rate callers accounted for 44 percent.
    * Sixty-four percent of callers reported annual household incomes of less than $42,000; 13 percent of callers' annual incomes exceeded $60,000.

HPF Adds Key Staff

HPF announces the addition of Barb Wendt, Vice President of Operations, and Josh Fuhrman, Director of Counseling to the organization. "We are pleased to have these two important hires completed," said Hernandez. "As we continue to expand our 888-995-HOPE Hotline capacity, the roles that Barb and Josh play are vital. They each bring exceptional knowledge and experience to the organization and we are thrilled to have them on board."

About the Homeownership Preservation Foundation

Founded in 2004, the Homeownership Preservation Foundation is a Minneapolis-based 501(c)(3) nonprofit dedicated to reducing foreclosures and preserving homeownership for American homeowners. The Foundation partners with city, county and state governments; federal government agencies; community-based nonprofit organizations; and mortgage companies to offer creative solutions to preserve homeownership. HPF's cornerstone service is the Homeowner's HOPET Hotline, a foreclosure prevention counseling service available free to American homeowners by calling 888-995-HOPE. For more information about the Homeownership Preservation Foundation or the Homeowner's HOPE Hotline, visit www.995hope.org.

Contacts
Homeownership Preservation Foundation
Tracy Morgan, 952-857-6822
tmorgan@995hope.org

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

Maryland Residents Get Debt Solutions

Debt solution for Maryland residents

The word "Debt" is short but has immense power to make your life hell. There are so many reasons of being in debt but credit card plays a big role behind indebtedness.

Statistic shows that 35% to 40% American are in debt (Federal Reserve). In 1999 Americans made $1.1 Trillion worth of credit card purchases. 302,829 people filed for bankruptcy in the year 2000, according to American Bankruptcy Institute.

So the above mentioned data clearly shows that the Americans are suffering seriously with the problem of debt. Maryland is one of the leading States of USA, suffering heavily with this problem too.

According to Maryland Sate law, a debt consolidation agency which is licensed can only accept payments from debtors in order to pay his creditors. It is also mentioned in the law that the agency cannot demand any advance fee or any consultation fee outside the law. The debt consolidation agency needs to be non profit organization too.

If you are unable to pay your debts or falling behind the payment then the creditors may try some other way to force you to pay your debt, even they can hire collection agency to collect the debt. Collection agency may contact you by person, telephone, mail, telegram, fax etc. But according the State law they may not:

1) Contact you at any absurd places or times unless you agree to go;
2) Contact you at your work place when they know your employer doesn't like personal calls at work time;
3) Contact you so frequently to recommend as harassment;
4) Apply abusive language;

To avoid this problem, Maryland debt consolidation program may be the right option for the Maryland residents. In this program the counselor will negotiate with creditors on behalf of the debtors for lower interest rates and to waive off other financial charges. It combines all outstanding payments into easy monthly payment plan.

People, who cannot afford the monthly installment, often think of filing bankruptcy. However; everyone should think twice before going for bankruptcy as it makes the credit worse. Debt Settlement looks comparatively better and helps debtors repay their debts with an affordable payment plan.


Some words about Nancy Smith (author of this article)
Nancy Smith is a contributing writer to http://www.debtconsolidationcare.com/ and currently working on Maryland debt consolidation program to help the Maryland residents.

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