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

Reduce Debt from Citizens Financial Group

Tips to Reduce Post-Holiday Debt from Citizens Financial Group

The holidays are a festive time of year, but often spending goes unchecked and can potentially lead to troublesome financial situations. Start the year on solid financial ground with helpful tips from Citizens Financial Group.

Providence, R.I. (PRWEB) January 29, 2008 -- The holidays are a festive time of year, but often spending goes unchecked and can potentially lead to troublesome financial situations. Start the year on solid financial ground with helpful tips from Citizens Financial Group.

Below are a few simple ways to reduce and eliminate post-holiday debt before the situation becomes unmanageable:

•    Establish a monthly budget - Record all of your on-going expenses, as well as your outstanding debt on a spreadsheet, so you can see where your money is really going. Include dates that payments are due, minimum payments and credit card interest rates. Once the necessities have been paid, prioritize which bills you will pay off next. Eliminate balances on high interest credit cards and pay more than the minimum on the rest if possible. Open a savings account with the money remaining from your budget each month.
 
 •    Investigate alternative borrowing options - An important thing to consider is whether to consolidate all your debt into one monthly payment. If needed, opening a home equity loan or line of credit can lower your interest rate, which will reduce monthly payments and give you fewer bills to pay each month. Consolidation can also make budgeting much easier. 
 
 •    Look to the future - The new year offers an opportunity to act as a 'clean slate' from previous spending mistakes. Take this opportunity to get a copy of your credit report and make sure that everything is being reported fairly. Consumers should get a free copy of their credit report once a year. Also, take stock of the number of credit cards in your wallet. If possible, reduce the number of credit cards to avoid re-accumulating debt. 
 
 •    Start saving - Once you have paid off all of your credit cards, look into contributing to a high interest money market account or certificate of deposit. By establishing a variety of investments, your financial portfolio will be more diversified and you will be better prepared to meet your financial goals in the future.
 
 •    Plan ahead for the next holiday season - Develop a realistic budget, contribute money to a savings account throughout the year and spend only what you can afford.

About Citizens Financial Group, Inc.
Citizens Financial Group, Inc. is one of the 10 largest commercial banking companies in the United States ranked by assets and deposits. It is headquartered in Providence, R.I., and, through its subsidiaries, has more than 1,600 branches, more than 3,300 ATMs and more than 24,500 employees. Its two bank subsidiaries are RBS Citizens, N.A. and Citizens Bank of Pennsylvania. They operate a 13-state branch network under the Citizens Bank brand in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont, and the Charter One brand in Illinois, Indiana, Michigan and Ohio. CFG has non-branch retail and commercial offices in about 40 states. CFG provides financial products to individual, small business and commercial banking clients. Specializing in full-service product packages, CFG offers checking accounts, savings accounts, money market accounts, home equity loans, mortgage financing and more. CFG is owned by RBS (The Royal Bank of Scotland Group plc). For more information, visit CFG's Web site at www.citizensbank.com.

Press Contact: Barbara Cottam
Company Name: Citizens Financial Group
Phone: 401-456-7849
Website: www.citizensbank.com

High Interest Savings Account Comparison Engine

Bankaholic Launches High Interest Savings Account Comparison Engine

Bankaholic launches a comparison engine for consumers shopping for high interest savings accounts and money market (MMA) accounts. Consumers can log on to review banks and read real customer testimonials.

San Marino, CA (PRWEB) December 4, 2007 -- Bankaholic, a Blackshore Properties Inc. company and emerging leader in online financial publishing, announces the launch of a high interest savings account comparison engine that allows consumers to compare interest rates and bank reviews of over 60 national banks and credit unions.

"We hope to become a valuable resource for consumers shopping for high interest savings accounts," said Johns Wu, CEO of Blackshore Properties, Inc. "By matching potential customers with banks that are best fit for their financial situation, we provide a win-win situation for everyone."

Using a proprietary algorithm, Bankaholic polls the websites of participating banks and aggregates interest rates on a daily basis.

Over 60 national banks and credit unions are indexed, with more being added every month.

Readers can submit their own bank reviews and testimonials about their experiences with participating banks and credit unions.

About Blackshore Properties, Inc.
Blackshore Properties, Inc. owns and operates Bankaholic, a leading publisher in the online consumer banking vertical. Through its website, Bankaholic.com, consumers can compare CD rates, high interest savings accounts, and credit cards.

Press Contact: Johns Wu
Company Name: Blackshore Properties, Inc.
Phone: (310) 928-6755
Website: http://www.bankaholic.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

Why Consumers Won't Switch Accounts Despite Savings

Consumers Loath to Switch Accounts Despite Potential Savings

Weary customers need to take advantage of the savings to be made by switching their current accounts, says CreditChoices.co.uk

December 20, 2007-- Weary customers need to take advantage of the savings to be made by switching current accounts, says CreditChoices.co.uk

Despite savings of up to £160 - sparked by a high-street bank war this summer - consumers are loathed to switch their current account.

Chris Eagle, CreditChoices.co.uk commercial manager, says: "In spite of measly returns of only 0.1 per cent on the majority of current accounts, 75 per cent of customers told us that they had stayed loyal to the same bank for more than five years."

This year's current account war saw some banks - such as Alliance & Leicester - offering as much as 6.5 per cent on in-credit balances, while others offered incentives of up to £100 to switch, but still many people remain faithful to their bank.

Eagle explains: "Although many people are aware of the savings they could make by switching current account, 46 per cent think it's easier to stay with one bank, and are willing to settle for a poor return in order to keep things simple."

Other switching deterrents include:
•    Having other financial products with your bank (22 per cent)
•    Not having enough time to change (nine per cent)
•    Being worried that it will affect credit ratings (four per cent)
"It has never been easier - or more profitable - to switch current accounts," says Eagle.

"Banks automatically transfer all of your direct debits and standing orders to your new account and customers should be up and running in their new high-interest accounts within 10 days," he explains.

Of the 24 per cent of respondents who had switched, three quarters said it was an easy process, with banks doing most of the work.

"Anyone still worried about complications can simply keep their old account active for a couple of months, in case any payments haven't been switched," concludes Eagle, "but few people have this problem."

About Credit Choices

Credit Choices - compare current account, loans, credit cards and savings accounts, so that they can choose the right product for them. Credit Choices also have a wide range of impartial guides to advise consumers on the latest financial issues, so that they can manage their finances effectively and stay out of debt.

What makes CreditChoices.co.uk different:
•    Wide range of consumer guides and advice
•    Detailed product information to compare credit cards, loans savings and current accounts.
•    Comprehensive debt centre which advises consumers on how best to manage their finances to stay out of debt.
•    Up-to-date money news regarding the latest development affect consumers finances.

Press Contact: Andy Williams
Company Name: Credit Choices
Phone: 020 7697 9514
Website: http://www.creditchoices.co.uk  

Debt consolidation management

Free Mortgage Magazines

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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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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

Largest Online Auto Insurance Agency Rejects Reality

Insurance.com Launches Reality Rejects Online Comedy Series

Insurance.com, the largest online auto insurance agency in the United States, has launched Reality Rejects, an online comedy series based loosely on reality TV. The series is hosted on a dedicated YouTube channel, as well as on Insurance.com's MayTheBestWin blog.

Cleveland, OH (PRWEB) November 12, 2007 -- Insurance.com, the largest online auto insurance agency in the United States, has launched Reality Rejects, an online comedy series based loosely on reality TV. The series is hosted on a dedicated YouTube channel, as well as on Insurance.com's MayTheBestWin blog.

The Reality Rejects online series and blog showcase competition, while poking fun at reality TV hits including Dancing with the Stars, America's Biggest Loser, Beauty and the Geek, America's Next Top Model, and Survivor.

"Reality Rejects and the MayTheBestWin blog are fun ways for customers to interact with our brand," said Insurance.com CEO David Roush. "This online comedy series highlights the spirit of competition, which underlies all that we do at Insurance.com, where auto insurance companies compete to bring value to our insurance shoppers."

Reality Rejects highlights and features include:

•    A dedicated Reality Rejects YouTube channel
•    A MayTheBestWin blog featuring behind-the-scenes commentary and outtakes
•    Social networking features for ease of content sharing on MayTheBestWin
•    A loosely scripted, improvisational format capturing genuine reactions between contestants.

Episodes will be released online weekly, beginning November 5, 2007. To interact with Reality Rejects visit MayTheBestWin and the Reality Rejects YouTube channel.

About Insurance.com
Insurance.com based in Solon, Ohio, is owned and operated by Insurance.com, Inc, a ComparisonMarket Company. Insurance.com enables consumers to instantly compare and buy competitive auto insurance quotes directly from more than a dozen leading insurance companies. When ready to purchase, users have the option of completing the transaction online or talking directly to an unbiased licensed agent. Other products include life, health and home insurance as well as travel, dental and pet health insurance.

In addition to Insurance.com, the company provides private labeled auto insurance solutions to financial institutions, affinity groups and online marketplaces to offer their customers real choice and savings opportunities on auto insurance rates.

Links:
www.MayTheBestWin.com
www.Insurance.com
www.youtube.com/realityrejects

Press Contact: Clyde Miles
Company Name: Insurance.com
Phone: 2165748700
Website: http://www.maythebestwin.com

Low Rate Mortgage Loans For Factory-Built Homes

FoundationWorks Forms Mortgage Subsidiary, EquityAccess Mortgage, Inc. July 2007

EquityAccess Mortgage will originate low rate, government and conventional mortgage loans for factory-built homes, primarily focusing on existing homeowners. EquityAccess Mortgage will be vertically integrated with the FoundationWorks permanent foundation system which has a unique, proprietary, and cost-effective method to retrofit existing foundation systems. In addition, EquityAccess will originate home only, chattel manufactured home loans as well as non-conforming loans such as single & multi section land/home loans.

Greensboro, NC (PRWEB) December 22, 2007 -- FoundationWorks, Inc, an innovative factory-built housing foundation manufacturer and site services provider is pleased to announce the formation of their wholly-owned mortgage subsidiary, EquityAccess Mortgage, Inc.

EquityAccess Mortgage will originate low rate, government and conventional mortgage loans for factory-built homes, primarily focusing on existing homeowners. EquityAccess Mortgage will be vertically integrated with the FoundationWorks permanent foundation system which has a unique, proprietary, and cost-effective method to retrofit existing foundation systems.

"There is in excess of 1 million factory-built homes sited on real property today that can't take advantage of low rate mortgage loans primarily because their foundations don't qualify as permanent," commented Andy Griggs, President of EquityAccess Mortgage. "This product combination will provide owners and prospective owners a viable, low cost option to access rate and term refinances comparable to site-built homes, while allowing them to tap into equity that was previously inaccessible."

"This offering will be an important contribution to improving the re-sale, or re-finance value of existing factory-built homes, one of the key issues that would allow for factory-built housing to assume a more prominent role in the nation's affordable housing needs," stated Thom Cross, CEO of FoundationWorks.
"This dynamic partnership will not only allow us to break new ground but will be instrumental in making factory-built housing a better investment and will positively impact the industry as a whole."

EquityAccess Mortgage, will be managed by Andy Griggs, President, who held executive level positions at Chemical Financial Services, Oakwood Acceptance Corporation, HomePride Finance and CU Factory Built Lending. Mr. Griggs will be joined by Terry Richardson, Executive Vice President of Operations, whose tenure includes executive level positions with Chemical Financial Services, Oakwood Acceptance Corporation, HomePride Finance and CU Factory Built Lending. Tommy Lanier and Donny Sparkman will serve as Business Development Managers.

Headquartered in Greensboro, NC, FoundationWorks, Inc. is a provider of a highly innovative foundation system that is accepted as permanent for conventional, FHA and VA financing; is quicker to install, hours vs. days; and is about half the price of conventional site-poured systems. FoundationWorks, Inc. is committed to improving the structural performance and visual appearance of factory-built homes utilizing a national network of major distribution partners. Its wholly owned subsidiary, EquityAccess Mortgage, Inc., originates low rate, government-assisted and conventional mortgage loans for factory-built homes. For more information please visit www.foundationworksinc.com.

Press Contact: Tommy Lanier
Company Name: EquityAccess Mortgage
Phone: 866-573-8002
Website: www.equityaccessmtg.com

Finance, Banking, Legal, Insurance and Real Estate Industries Demand Anti-Spam

Study: Users in Finance, Banking, Legal, Insurance and Real Estate Industries Demand Better Anti-Spam Technologies

Email users rate better anti-spam technology as top choice to improve email experience. Users in finance, banking, legal, insurance and real estate industries get 39% less spam. They waste 65% more time each day searching for the 30% of the good email trapped by anti-spam filters than others.

Northborough, MA (PRWEB) September 11, 2007 -- Brockmann & Company released its latest industry report on the email experience for business users in the finance, banking, legal, insurance and real estate industries. The report, entitled "Email in Finance, Banking, Legal, Insurance and Real Estate Industries" is available for a limited time for free download on http://www.brockmann.com.

This report is one in a series of research on business users' experience with email: The Problem with Email reviews the business case for investing in anti-spam technology, The Spam Index Report compares the experience of 520 email users with nine different anti-spam technologies recommending that challenge-response technology delivers the lowest average Spam Index, and the highest user satisfaction, and Mobilizing Email which presents a new policy framework for balancing mobile user needs with IT goals.

Email is the most important communications service for users in the finance, banking, legal, insurance and real estate industries. Yet, only 16% of users are very satisfied with their email experience.

Peter Brockmann, President and Research Director of Brockmann & Company said, "That's because users spend 65% more time each day than others dealing with spam searching for the 30% more good email trapped by their anti-spam filters than their peers in other industries."

Brockmann added, "No wonder, better anti-spam technologies is rated as the most frequent choice to improve the email experience."

The report shows that although users in the finance, banking, legal, insurance and real estate markets receive about the same total volume of email as others, the principal sources are different in a few important ways. Users receive 39% less spam than others but more email from customers and coworkers as well as more email from automated business processes. Nevertheless, the most frequently cited recommendation to improve the email experience is better anti-spam technology.

About Brockmann & Company
Brockmann & Company is a consulting & advisory firm serving high tech equipment & application vendors and service providers. Clients accelerate growth through customer research & thought leadership. Our motto: "In God we trust, all others bring data." Learn more at http://www.brockmann.com

Press Contact: Peter Brockmann
Company Name: Brockmann & Company
Phone: 508-904-0171
Website: http://www.brockmann.com