Chase Business Credit Card Offers

Three Chase Credit Cards Added to CreditCardFlyers.com Business Credit Card Offers: Finding a Business Credit Card a No-Brainer

CreditCardFlyers.com adds three Chase credit cards to business credit card offers available for quick comparison online.

Fremont, CA - September 18, 2007 -- There are now three more ways business owners can extend the buying power of their businesses with the addition of three Chase credit cards to CreditCardFlyers.com. CEO of CreditCardFlyers.com, Mr. Leo Chu, took the guess work out of business credit card offers when he launched the business credit card offer section on his Merchant Certified website: www.creditcardflyers.com. Designed to make it easier to compare offers among business credit card lenders, Credit Card Flyers has already assisted thousands of business owners in selecting the best card for their unique needs.

The majority of business owners are too busy to find the time to contact several banks and credit card issuers to find the best credit card offer for their individual needs. With so many different types of business credit cards, it isn't beneficial for the business owner to just pick any card without comparing the advantages and disadvantages of several cards against their own credit needs. Creditcardflyers.com allows business owners a faster way to compare offers among business card issuers; and provides comprehensive coverage on the different interest rates, annual fees and card features, which can all be found at a glance.

The CEO of CreditCardFlyers.com, Mr. Leo Chu, designed the business credit card portion of his website in order to eliminate the need for busy enteprenuers and business owners to apply for the first credit card they see. Creditcardflyers.com makes it easier to compare a wide variety of offers among several business credit card lenders.

James Morgan, an entrepreneur from New York, says. "I needed a business credit card to make ordering supplies and traveling for business purposes easier, but with tight deadlines and a to-do list a mile long, I didn't want to spend time researching all the different credit cards out there to find the one that would give me the most value. I found Chase credit cards for Business on creditcardflyers.com that was perfect for my small business needs, and was able to apply in minutes."

Creditcardflyers.com offers an unbiased comparison among a large variety of business credit cards to help business owners get the most out of the credit card they apply for. You can use the business reward wizard to enter the amount you spend per month on various categories in order to see which rewards credit cards will give you the most value for your every day spending. You can quickly and easily apply for any business credit card that matches your needs by clicking on a link to a secure online application through the credit card issuer's own website.

There are currently 28 business credit cards featured on creditcardflyers.com, and research is constantly taking place to find additional quality business credit card offers to include on the site.

While there are numerous credit card web sites available, most focus on consumer credit cards. There are a limited number of sites that offer such an extensive listings of business credit cards as the business card offers that creditcardflyers.com provides.

In addition to the comprehensive business credit card portion of creditcardflyers.com; the site also offers an easy-to-search section for consumer credit cards, including the ability to search by specific interest rates, balance transfer cards, and rewards cards. As with the business credit card section, consumers can quickly compare among various cards in order to obtain the credit card that best matches their unique spending and credit needs.

When you're in the market for a business credit card, make http://www.creditcardlfyers.com your first stop.

Press Contact: Leo Chu
Company Name: B2C Online Inc.
Phone: 1-510-449-3832
Website: http://www.creditcardflyers.com

How to Choose a Debt Settlement Program

Absolute Debt Solutions Founder Offers Tips on How to Choose a Debt Settlement Program

As the debt settlement industry continues to grow, there are many programs people should consider that are both affordable and in their best interest. Tom Bates, an IAPDA Certified Debt Arbitrator and owner and founder of Absolute Debt Solutions Inc., helps consumers do their homework instead of taking the first option that comes along.

Plano, TX (PRWEB) January 3, 2008 -- Tom Bates, Founder and CEO of Absolute Debt Solutions is offering tips on how consumers can find the right debt settlement program. Bates is an IAPDA Certified Debt Arbitrator and Debt Specialist. He says many families are often desperate to get out of mounting debt and will often take the first option that comes along. He says this might not always be the best option out there.

"Just the thought of being debt-free can bring tears of relief to a family who has been under high interest payments for years," says Absolute Debt Solutions Founder and CEO Tom Bates. "Studies show that 78% of all income is paid out to debt of some type, with the major percentage of each payment going toward interest."

Bates lists the types of debt settlement options available and offers some insights:

~ Consumer counseling services -- These services operate by setting clients up with their own personal counselors. Only after clients have paid an enrollment fee and agreed to automatic bank drafts, will the program go into effect. The counselor then contacts the client's creditors and attempts to lower their interest rates. But, this is often only lowered temporarily. Should the client or the counselor be late in getting the payment to the creditor, that low interest rate will return to its previous high rate. Often these services appear to be non-profit, however that is most often not the case. An article from the Cincinnati Post titled "Wolves in Credit Counselors' Clothing" (April 26, 2005) found Clients of the California-based National Consumer Council, Florida-based Debt Management Foundation Services Inc. and Massachusetts-based Better Budget Financial Services Inc. paid thousands of dollars to keep bill collectors at bay, but instead clients saw their debts, interest rates and late fees increase as the three companies did little to help. Often, these services will follow up with the creditor with a letter of counsel that informs them of the client's involvement in their program and asks them the work with them, and to proffer a fair-share contribution. Ultimately, the money a client pays should be going to the creditors first, not the counseling service.

~ Debt Consolidation is always a great way to bring resolve to debt as long as clients have a process in place before the consolidation to settle the debt. If there is no procedure in place to discount the amount owed, there is no real reason to conduct a consolidation loan. Lowering the monthly payment is somewhat beneficial, but the end result may not be what is desired. A simple trade out of loans does not lower the amount owed or monthly payment, and in most cases, clients are going to end up owing double what they started with. About 80% of borrowers use debt consolidations loans, bringing accounts to a zero balance, but end up owing another lender at a lower or longer rate/term. In most cases, people that go through debt consolidation will continue to use the accounts that were paid off, resulting in double the debt. The end result is, if clients have a well qualified debt settlement company that will charge a fee based on results, they should handle all the negotiations before the debt consolidation and then they are sure to come out on top.

~ With Fee based Debt Settlement, there are many options, and in several ways, consumers can save money. If it is a buffer or shield type, clients are always in better hands with creditor experts that are IAPDA certified and have been in the collection and or credit industry. These creditor experts understand the creditor and the individual account better than an average debt settlement company. Further, the fees charged by fee based debt settlement companies are going to cost about 15% of the total debt. So whatever is advertised, add about 15 % to their quote, and in most cases, the fee is paid up front before the job is done or even started. If they are not willing to give a written guarantee to perform and produce, potential clients should reconsider doing business with them, regardless of their affiliation or ratings. The old saying, "if it is not in writing, it didn't happen" applies here. The truth is, there is only one type of guarantee that will protect the consumer. When it comes time to perform the actual service, most of the money clients have saved over the months or years has gone to the debt settlement company, leaving little or no money for settlement. This method does not seem to have the consumer's best interest in mind, as the debt settlement company gets paid before the creditor. One of the largest debt settlement companies just had a class action law suit filed against it, for the practice of collecting fees but not providing services. Along with this law suit, there are over 700 BBB complaints filed for actions truly not in the consumer's best interest. Not all fee based debt settlement companies act like this; some put their client's best interests first.

~ With a Service Fee Based debt settlement like Absolute Debt Solutions, there are clearly outlined steps for the best option for debt settlement. Clients know that they will reach a guaranteed discounted rate or pay nothing for the settlement, and pay nothing till the job is done. As the service fee based debt settlement company generates results, clients pay the fee rather than paying the fees up front. While all the other services as fee based debt settlement are practiced, clients pay nothing for debt settlement unless the goal is reached and the job is done. This protects consumers from fighting for a refund when the service is not completed and the creditor refused to settle. Only a qualified and IAPDA certified debt settlement company could or should consider this practice as the guarantee is weighted on the side of the consumer. Producing results, industry integrity, ethics and experience will maintain the needed client and creditor relationships.

For those considering debt settlement, they should consider these factors while deciding what program fits their needs:
1) First, how did they hear about the company?
2) Does the savings program have their best interests in mind?
3) Is the company willing to share its year to date settlement averages?
4) Are they experienced in both the collection and creditor industry?
5) Are they certified with the IAPDA (International Association of Professional Debt Arbitrators)?
6) Do you believe in the team that will be helping you?
7) Once you start, are you aware there is no looking back?

About Tom Bates
Tom Bates, IAPDA, CDA,CDS, is President of Absolute Debt Solutions and Absolute Credit Repair Inc. He has spent the last 13 years in the credit and finance industry, managing and directing some of the largest receivable companies in the world. Bates has developed a program that has proven results far above the competitors. He is IAPDA Certified (International Association of Professional Debt Arbitrators). Absolute has one goal in mind, your best interest. Absolute also offers additional discounts and services for active military and those with special medical needs. For more information, please visit www.absolutedebtsolutions.biz.

Contact:
Tom Bates
IAPDA Certified Debt Arbitrator/Debt Specialist CEO
Absolute Debt Solutions Founder & CEO
Absolute Credit Repair Founder
1-877-255-6069
http://www.absolutedebtsolutions.biz

Press Contact: Tom Bates IAPDA Certified Debt
Company Name: Absolute Debt Solutions
Phone: 1-877-255-6069
Website: http://www.absolutedebtsolutions.biz

Who Needs Credit Report Repair?

Bad credit can just kill you these days. Make a few mistakes, get behind on some payments, and you can kiss your good credit rating good-bye. At first maybe you don't care, after all what can you do? You work to get caught up as you can and in time you pay your bills and everything's fine, right. Well, not really.

Past credit problems can haunt you for years and make it hard to get a loan for a car, buy a home, or get a credit card at some reasonable rate. Want a 0% credit card like your friends have? That's not going to happen.

But there are places that can help people like you. I spent some time on the web site of a credit repair company called Ovation Inc. Of all the sites I looked at, there's was the most professional looking. And unlike most other site, they display the seal from the Better Business Bureau up near the top of their page and if you click on the link you will find it says "This company has been in business since 01/01/1976". I prefer to work with people that are experienced in what they do and that seems to be the case with Ovation.

I'm not going to try and cover all of what the site has to offer. I'll just say that they provide lots of information so you can fully understand the situation you put yourself in when you have bad credit and what steps are needed in the process of credit repair. One of the most impressive things was the chart that shows you how a low credit score can more than double the amount of interest you would have to pay for a $150k home mortgage over 30 years!

I just realized that this is not just a credit repair company, but an actual law firm as well. While that might scare off some people because they think it will be more expensive, they have a page where they post the costs for their services. They also say your satisfaction is 100% guaranteed. With a monthly fee as low as $35, I don't think there's much to debate about if you need a professional credit report repair service.

Ovation Inc.
9310 Old Kings Road South
Jacksonville, FL 32257
866.639.3426
info@ovationlaw.com
www.ovationlaw.com

 

New Online Life Insurance Product Offered By AgStar Financial Services

AgStar Financial Services Offers Customers MyTermSM, a New Online Life Insurance Product

Speed and convenience make term life insurance simple for banking customers

NEWARK, N.J.- February 13, 2008 - Prudential Financial, Inc. (NYSE:PRU) today announced an agreement between its Individual Life Insurance business and AgStar Financial Services to offer MyTermSM, a simplified issue term life insurance policy available through the Internet, to AgStar Financial Services customers. Through an online automated underwriting process that can be accessed from virtually anywhere, MyTermSM delivers a policy in about 10 minutes to qualified customers that can then be saved electronically or printed locally.

"We've created this access point for consumers who look to their financial institution as their trusted advisor," said Jim Avery, president of Prudential's Individual Life Insurance business. "MyTermSM provides a fast, easy and convenient way for many consumers to select a high-quality life insurance product that's well suited for their needs and fits within their budget."

MyTermSM is a new term life insurance product issued by Pruco Life Insurance Company (Pruco Life Insurance Company of New Jersey in NY and NJ) designed to be attractive to the mass middle market consumer. The buying process and service of the policy are supported by state-of-the-art technology operating in a real-time environment. Through a secure Web site, customers choose from a 10, 20 or 30-year level term life insurance policy with face values between $50,000 and $250,000. "Prudential has created an elegant, easy-to-use online direct-to-consumer simplified issue term insurance application," according to a July 2007 assessment of simplified issue online sales platforms conducted by Kehrer-LIMRA. The report also notes that Prudential's system has truly been designed for the consumer from start to finish.

"MyTermSM is a perfect complement to the wide range of products and services we offer to help our customers reach their financial goals, and we're pleased to offer a product backed by the financial strength of Prudential," said Joan Templin, Director, Insurance Administrator at AgStar Financial Services, one of the first to offer their customers Prudential's new insurance product.

"More and more consumers are using the Internet to handle their financial transactions as well as research and buy a whole host of products and services," says Joan Cleveland, senior vice president, Business Development in Prudential's Individual Life Insurance business. "Giving the consumer the ability to purchase life insurance when and how they want and in the amount they'd like is a natural outcome of this rising trend toward online management of one's personal finances and purchase decisions."

MyTerm is available through a number of select regional banks and other financial institutions. MyTermSM (form number PFT-2007, followed by state codes) is not available in all states. MyTermSM is issued by Pruco Life Insurance Company except in New York and New Jersey, where it is issued by Pruco Life Insurance Company of New Jersey. Each Pruco company is located in Newark, NJ, and is solely responsible for its own financial condition and contractual obligations. Insurance policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. A licensed financial professional can provide the costs and complete details.

AgStar Financial Services, ACA, headquartered in Mankato, Minn., operates in 69 counties in Minnesota and northwest Wisconsin serving rural communities and agribusinesses throughout the U.S. as part of the Farm Credit System. The company primarily serves the cash grain (corn and soybean production), swine and dairy industries. AgStar has also developed successful programs in loans, leases, crop insurance, tax services, accounting, family business planning and rural home mortgages. Visit agstar.com for more information.

Prudential Financial, Inc. (NYSE: PRU), a financial services leader with approximately $648 billion of assets under management as of December 31, 2007, has operations in the United States, Asia, Europe, and Latin America. Leveraging its heritage of life insurance and asset management expertise, Prudential is focused on helping individual and institutional customers grow and protect their wealth. The company's well-known Rock symbol is an icon of strength, stability, expertise and innovation that has stood the test of time. Prudential's businesses offer a variety of products and services, including life insurance, annuities, retirement-related services, mutual funds, investment management, and real estate services. For more information, please visit www.prudential.com.

IFS-A140613, Ed. 11/2007

Contacts

Prudential Financial, Inc.
Janet Gillespie, 973-802-8012
janet.gillespie@prudential.com

Financial Advisor Helps Investors Build Income

Building a Nest Egg for Your Golden Years -- Financial Advisor Helps Investors Build Income Streams in the Second Half of Life

Many Baby Boomers are waking up to the reality that this ain't their father's retirement. With Americans living longer and healthier lives and still retiring at 62 (or many times younger) they're finding that a gold pen and pension aren't getting them as far as they expected. Many Baby Boomers have discovered that the money they saved in retirement accounts may not outlast their lives. But according to Arthur Cooper, an Irvine-based CERTIFIED FINANCIAL PLANNER™ professional, a few simple steps can help investors build a nest egg for their golden years.

Irvine, CA (PRWEB) September 20, 2007 -- Many Baby Boomers are waking up to the reality that this ain't their father's retirement. With Americans living longer and healthier lives and still retiring at 62 (or many times younger) they're finding that a gold pen and pension aren't getting them as far as they expected. Many Baby Boomers have discovered that the money they saved in retirement accounts may not outlast their lives. But according to Arthur Cooper, an Irvine-based CERTIFIED FINANCIAL PLANNER™ professional, a few simple steps can help investors build a nest egg for their golden years.

"Most people believe that saving more money is the only way to rectify their fear of running out of money during their retirement years," says Cooper. "While that is always a smart option, developing a withdrawal plan with the help of a financial professional may be a better way to go. You certainly do not want your money to run out before you do."

According to Cooper, accumulating money for retirement is the easy part -- it's distributing that money that often creates problems for retirees. "Many investors think that once they've reached retirement age, it's time to kick back and simply withdraw the money they have accumulated. That's simply not true. Even in retirement, they will likely still have to budget to ensure their money lasts as long as they might."

Cooper believes these six tips can assist investors preparing for their golden years:

SIX SEGMENTS TO INCOME PLANNING
"Putting your assets into six segments will help investors plan for lifetime income," says Cooper. "The most conservative segment receives the largest deposit while the successive five segments receive varying lesser percentages, totaling 100% of deposits." Under the Income for Life™ model, as the deposit gets smaller, the asset class gets more aggressive. This means that a smaller amount of their portfolio is held in riskier investments, thus helping to provide a more stable source of income, from the most conservative portion of their portfolio.

IN RETIREMENT, THERE ARE SOME GUARANTEES
"It is possible to create a guaranteed income stream by utilizing a single premium immediate annuity or FDIC Insured banking products for a five year period," advises Cooper. According to Cooper, for every subsequent five-year period, one of the other five segments will be converted into a guaranteed income strategy with sixty monthly payouts. "If the projected rates of return are realized, sufficient money will be available to provide guaranteed income in amounts capable of providing an increasing level of retirement income." Guarantees are backed by the claims paying ability of the issuer.

SYSTEM OF SURVIVAL
According to Cooper, "Once you retire, your nest egg will likely seem like a never-ending supply of cash that you've been waiting to spend since you started accumulating it. But you still have to pay attention to how the market is performing. If you are withdrawing from a growth investment in a down year, you'll not only be drawing down your nest egg, but your portfolio won't be able to recover because it's losing value both from market conditions and your living expenses. Developing a systematic withdrawal strategy will allow you to take pre-determined periodic withdrawals from a portfolio of stocks, bonds, or mutual funds and still potentially have income for life."

LESS NOW CAN MEAN MORE LATER
"The most important advice I can give clients is to take less income when they begin drawing from their retirement accounts," advises Cooper. "By taking less at the beginning, you're allowing more of your investments to grow, theoretically leaving you more money for your later retirement years."

DON'T FORGET ABOUT INFLATION
Inflation is a naturally occurring economic event, yet most investors fail to plan properly to allow for it. "Just because you live on $3,000 a month today, doesn't mean you can live on the same amount 15 years from now," advises Cooper. "History shows that inflation can make $3,000 in theory turn into significantly less than that in practice."

DON'T BE AFRAID TO GET HELP
A financial professional can help map out a strategy for generating income that outlasts your life including inflation estimates and income distribution scenarios.

About Arthur Cooper
Arthur Cooper has been in the financial services industry for 20 years and founded Cooper McManus, an Irvine-based financial advisory and wealth management firm, in 1999. He specializes in providing comprehensive financial planning, estate planning and asset management services.

Mr. Cooper attended California State University, Fullerton and went on to fulfill the requirements to become a CERTIFIED FINANCIAL PLANNER™ professional. He has been a regional vice-president and district manager for three financial services companies, training other financial advisors and overseeing their careers, ethics, and performance. Cooper's passion is finding solutions to financial problems and further educating his clients.

Call Cooper's office at 800-516-5333 or visit www.coopermcmanus.com to learn more.

NOTE:
When you need a knowledgeable professional to speak on complicated financial topics in a clear and concise manner, call the advisors at Cooper McManus.

Securities offered through Securities America, Inc. a registered Broker/Dealer. Member FINRA/SIPC. Arthur Cooper CA Insurance Lic #0798385, Registered Representative. Advisory services offered through Cooper McManus, and SEC registered Investment Advisory firm. Cooper McManus and Securities America, Inc. are not affiliated.

Press Contact: Arthur Cooper
Company Name: Cooper McMannus
Phone: (800) 516-5333
Website: www.coopermcmanus.com

Fed Cut Rates Trigger Mortgage Refinance Applications

Online Mortgage Portal Receives Spike in Refinance Applications after the Fed Cut Rates

LendingGateway.com receives hundreds of online enquires to get into a fixed rate despite the interest rate drop.

San Diego, CA (PRWEB) September 28, 2007 -- Over the last week, after the Federal Reserve cut interest rates by 0.5 percentage points, LendingGateway.com received an increase in online enquires and phone calls about how this will affect the home loan market. Despite the Federal Reserve's intentions of alleviating the "sub-prime" home loan chaos through the rate cut mortgage rates continued to increase.

"The most common thing we see is people that have adjustable rate mortgages worried about their interest rate increasing and affecting their ability to meet their monthly loan payment," explains Scott Olson, COO at LendingGateway.com, "the best advice our loan consultants give is to look into re-financing their existing home loan from an ARM to a safer fixed rate."

In addition to an increase in online mortgage applications, LendingGateway.com, also saw a jump in several debt consolidation enquiries on their online form at https://apply.lendinggateway.com/forms/debt.php.

"Although we advise consumers to get into a safer fixed rate not everyone qualifies," says Alexander Capio, Owner and CEO of LendingGateway.com. "This is why we often steer our online home loan shoppers into repairing or establishing their credit." Alex also explained how the expansion into Auto Finance, Student Loan, and Debt Consolidation has proven successful for many people who needed a better FICO score to qualify for a better interest rate on their home loans.

LendingGateway.com is a privately owned online advertising company working with lenders and consumers. Borrowers can get help with their loans by visiting http://www.lendinggateway.com/apply.html and completing the short application. Lenders interested in the free listing or finding out more about LendingGateway.com's premium services should visit http://www.lendinggateway.com/affiliate.html or call toll-free (888) 278-4792.

Press Contact: Evan Pickens
Company Name: Lending Gateway, LLC
Phone: 888-278-4792
Website: http://lendinggateway.com

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Be sure to forward this email to business associates - they may wish to apply to receive a complimentary publication in their industry as well.

Mortgage Originator® Mortgage Originator® Magazine (M.O.M.) is a dynamic forum for originators, lenders, managers, brokers and other mortgage-lending professionals to exchange viewpoints, insights and successful origination, management and marketing strategies. Every month, industry experts offer advice and observations related to hanging on to market share, exploring new niches, training and keeping good people. Review innovative advertising best practices; banner ads and other promotional materials others in the industry are finding successful. Examine support solutions related to outsourcing, accounting, processing and payroll services, managing leads and web support. Each issue brings you cutting edge editorial designed to help you survive and even thrive in this often challenging market.

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Mortgage Technology provides in-depth analysis of the latest automation to make mortgage lending more efficient. Mortgage Technology is the only mortgage publication devoted exclusively to delivering the latest news and information on technology-related developments and their influences in the mortgage industry including: Online originations, secondary marketing, wholesaling, sub prime lending, EDI-capable software programs, Data mining technology, Document processing, Servicing technology, Automated underwriting, and Default management.

Browse the list of job functions and industries on the application form to see if you might qualify. Also note the geographic availability. Then simply complete the form and submit it. If you have co-workers, friends or family who work in a related field, please pass this offer on to them - they'll thank you!

Paperless Payday Loan Provider Pushes Industry

Ground Breaking Payday Loan Provider Pushes Industry Boundaries

Cash Doctors, Australia's largest online payday loan provider has raised the bar for its industry. With recent system upgrades the company is providing urgent cash relief to thousands of Australians nationwide faster than any other provider.

Gold Coast, QLD (PRWEB) December 11, 2007 -- Cash Doctors has set themselves apart from their industry by giving their clients exactly what they want, when they want it. With a recently upgraded system, Cash Doctors' new clients are receiving loans within the hour, and returning clients within seconds. As a result, the Gold Coast-based online short-term loan company is now providing nationwide $100 - $600 loans, faster than any other Australian lender.

Company co-founders Greg Ellis and Séan Teahan have introduced system upgrades to their already paperless loan application to include fully automated application, messaging, and cash transfer systems. These upgrades have allowed their clients near instant access to their loan, faster than any other online payday loan provider in Australia.

Previously, people in need of a instant cash fix had to wait at least 24 hours before their payday advance could be transferred into their account, and even longer for a check to clear. Now Cash Doctors is providing instant cash relief to those who need it most.

With it's company policies based around a shared experience with the customers, Cash Doctors aim to help out it's customers in both the short and long term is right on the mark. "Having been in the very same situation ourselves in years gone by, we understand our clients need for an instant cash fix," says Ellis.

Keeping in line with their client welfare based policies, Cash Doctors also publishes finance articles, e-books, and news designed to keep their clients financially informed and in turn, help them have money to live freely.

Through the provision of instant cash relief within seconds, Cash Doctors has upped the standards of the payday loan industry. With their exceptionally short transfer times and the publishing of finance documents such as articles and e-books, it is evident that client welfare is central to every process within the company, and is exemplified by the availability of short-term loans being readily available to those who need it most.

For more information go to http://www.cashdoctors.com.au

Press Contact: Greer Lean
Company Name: Cash Doctors
Phone: 0061755912850
Website: www.cashdoctors.com.au

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Cash  for  structured  settlement