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

Increase and Protect Your Income With Life Insurance

Use Life Insurance to Increase and Protect Your Income

Ten Ways Life Insurance Can Boost Income and Improve Retirement. These can include using life insurance for tax-free income, long-term care, guranteed income, freeing up cash for retirees who want to leave their home to their children, says money expert Paul j. Mauro, CLU, ChFC, founder of Legacy Financial Advisors, a wealth management firm in Milford, MA.

Milford, MA (PRWEB) September 22, 2007 -- Life insurance should be called "death insurance" since it pays the beneficiaries when the policyholder dies.

"However, life insurance can be used to increase and protect your retirement income -- while you are living," says, Paul J. Mauro, CLU, ChFC, founder of Legacy Financial Advisors in Milford, MA (www.lfsadvisors.com).

"For a young family with a big mortgage and children's education expenses looming, term life insurance is the least expensive and simplest way to protect ones family if the breadwinner dies. Older Americans -- age 50-plus -- who are planning retirement or are retired can use life insurance to increase income while they are still alive," explains Mauro, a 30-year wealth management veteran.

Here are Paul J. Mauro's top 10 ways life insurance can both increase income and protect retirement security:

1. Leverage -- borrowing to invest in ones own business or opportunities to produce additional income is okay at any age -- especially if the proceeds from the loan are covered by life insurance to protect family security.

2. Tax-free income is the holy grail of the affluent. For those who have maxed out their traditional pension plan contributions, a life insurance policy can increase tax-deferred savings -- as long as it meets IRS qualifications.

3. Long term care -- Do not pay for both life- and long-term care insurance. Cut the cost in half by using modern life insurance policies that pay out whether one dies or enters a nursing home.

4. Traditional pension plan -- Those with a traditional or defined-benefit pension plan have to make a choice at retirement -- take full-benefits for their lifetime or cut benefits so that payments will continue to their spouse after they die. "A less costly alternative is to take the full pension benefits and buy life insurance to guarantee that his or her spouse has enough income after the retiree dies," says Mauro.

5. 401(k) plans and personal savings have become a primary source of retirement income. Most studies show that to guarantee lifetime income, only 4% per-year can be withdrawn from the fund. However, life insurance products such as immediate annuities can both increase and guarantee lifetime payouts according to Yale economist Roger Ibbotson, Ph.D. in the August 2006 issue of Investment Advisor.

6. Those who bought "Whole Life" or "Universal Life" insurance policies a decade ago, may borrow from the cash build-up at favorable rates. "Often, there is no requirement to pay back the loan until death. Life insurance loans are tax-free, while canceling the policy and taking out cash can result in a tax on the proceeds." according to Mauro.

7. Business-owners -- IRS tax rules allow business owners to save substantially more money in a Defined Benefit pension plan on a tax-deferred basis if life insurance is included in the plan. The tax-deferred amount can be can be substantial --- some $50,000 per year.

8. Annuities -- those who have a life annuity may be tempted to take the maximum payout from the account but these payments stop at death. Insurance products called "reversionary annuities" provide income for life plus a death benefit. Annuities can be purchased with funds from IRAs and other retirement savings.

9. "Couples of modest means who do without so that they can leave a home or money to their children need to rethink this strategy. Instead of scrimping, purchase a joint, or second-to-die, life insurance policy. The insurance proceeds provide for a generous inheritance and leave the couple with more money to spend on themselves and no worries over spending their kids inheritance"

10. Reverse mortgages get a lot of press, but homeowners fear the fees and interest build up. "Buy a life insurance policy to cover the amount of the reverse mortgage plus accumulated interest for several years. This gives the heirs the option of paying off the loan to keep the home, or simply keeping the proceeds from the life insurance policy and letting the bank dispose of the home."

"Everyone's situation is different. Consumers should seek advice from their own qualified financial adviser before adopting any of these insurance strategies," concludes Mauro. Those qualified to advise on these matters include life insurance professionals who hold either the CLU designation or the LUTCF Designation. These individuals have completed eight postgraduate level courses on sophisticated uses of life insurance.

This information is not a suggestion or an offer to sell or buy any security. Life insurance companies vary, and benefits are based upon the claims-paying ability of the insurance carrier. Legacy Financial Advisors does not give tax or legal advice. Meet with your own CPA or lawyer.

The examples discussed above are hypothetical and for illustration purposes only. Tax laws are subject to change and individual situations vary.

Securities and advisory services offered through SII Investments, Inc., member NASD SIPC and a Registered Investment Advisor. Legacy Financial Advisors and SII Investments, Inc. are separate and unrelated companies

Press Contact: DICK PIROZZOLO
Company Name: Legacy Financial Advisors
Phone: 781-235-9911
Website: www.lfsadvisors.com

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

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

Site Sells Over 700 Pages in Just 5 Days!

One Buck Wiki Sells Over 700 Pages in Just 5 Days Since its Launch

Zedomax Network, a San Francisco-based Web2.0 company, has launched a new website called OneBuckWiki.com on October 12th. Users can buy a page for only one dollar to promote their blog, e-store, or any other website(s). There is a strong buzz among some of the eBay Store owners that the One Buck Wiki might be the next marketing tool.

(PRWEB) October 17, 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 page for only one dollar to promote their blog, e-store, or any other website(s). There is a strong buzz among some of the eBay Store owners that the One Buck Wiki might be the next marketing tool.

According to the One Buck Wiki's founders, they have sold hundreds of pages to E-bay store owners. "eBay store owners need a low-cost internet marketing tool to promote their products and the One Buck Wiki does just that at only one dollar," says Max, the company's founder.

Since their launch a week ago, the One Buck Wiki does seem to have excited the Internet crowd, selling over 700 pages, averaging over 100 pages per day. The One Buck Wiki team has worked 3 days without sleep just to keep up with the overflow of page orders.

Smart users of the One Buck Wiki have made their money back by pasting interesting content and Google AdSense ads onto their pages. Some users have even bought their own names in order to reserve their spot in history.

Why are these pages so valuable?
Users can buy a page for only 1 dollar (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. The value of all pages will go up to $10 per page once when they have sold 1000 pages.

"The One Buck Wiki forecasts to sell total of 2000 pages by the end of this month at the current rate. This could mean that a page bought today could be worth 10 times its value within the end of this month when One Buck Wiki has sold over 2000 pages," says Max, the One Buck Wiki's founder. There are still pages that can be bought on the One Dollar Wiki before the price of a page jumps to ten dollars.

The One Buck Wiki was created by the creators of the Five Dollar Wiki (FiveDollarWiki.com), which was also launched several days before the launch of One Buck Wiki. They are a team of underground "moonlighters" that work around the clock to create the next Internet marketing tool.

A number of similar paid Wikis exist out there today including 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 one dollar instead of one hundred dollars.

The One Dollar Wiki might be the best investment today for anyone who needs web presence or a web page at only one dollar.

One Buck Wiki Homepage

Five Dollar Wiki Homepage

Contact:
Max Lee of Zedomax Network
415-871-8295


Press Contact: Max Lee
Company Name: One Buck Wiki
Phone: 415-871-8295
Website: http://onebuckwiki.com

---

 Other Pages At Once Buck Wiki Include:
http://www.onebuckwiki.com/Phone_Cards
http://www.onebuckwiki.com/Domains_For_Sale
http://www.onebuckwiki.com/Mesothelioma
http://www.onebuckwiki.com/Search_Engines
http://www.onebuckwiki.com/Domains
http://www.onebuckwiki.com/Lawyers
http://www.onebuckwiki.com/Free_Classifieds
http://www.onebuckwiki.com/Submit_Site
http://www.onebuckwiki.com/Security
http://www.onebuckwiki.com/Pharmacy
http://www.onebuckwiki.com/Casinos
http://www.onebuckwiki.com/Credit_Cards
http://www.onebuckwiki.com/Bad_Debt
http://www.onebuckwiki.com/Cats
http://www.onebuckwiki.com/Dogs
http://www.fivedollarwiki.com/Mesothelioma_Cancer
http://www.onebuckwiki.com/Olympics
http://www.onebuckwiki.com/Blogs
http://www.onebuckwiki.com/God
http://www.onebuckwiki.com/Christian


 

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