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		<title>Fixed Rate Mortgage Rates Remain At Record Lows Announces ForTheBestRate.com</title>
		<link>http://www.insuranceinoklahoma.net/fixed-rate-mortgage-rates-remain-at-record-lows-announces-forthebestrate-com.html</link>
		<comments>http://www.insuranceinoklahoma.net/fixed-rate-mortgage-rates-remain-at-record-lows-announces-forthebestrate-com.html#comments</comments>
		<pubDate>Wed, 22 Feb 2012 02:54:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Announces]]></category>
		<category><![CDATA[Fixed]]></category>
		<category><![CDATA[ForTheBestRate.com]]></category>
		<category><![CDATA[Lows]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Rate]]></category>
		<category><![CDATA[Rates]]></category>
		<category><![CDATA[Record]]></category>
		<category><![CDATA[Remain]]></category>

		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/fixed-rate-mortgage-rates-remain-at-record-lows-announces-forthebestrate-com.html</guid>
		<description><![CDATA[Fixed Rate Mortgage Rates Remain At Record Lows Announces ForTheBestRate.com &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; ForTheBestRate.com &#8211; Research Current Mortgage Rates &#13; &#13; Wilmington, NC (PRWEB) February 21, 2012 30 year fixed mortgage rates are unchanged since setting a new record low the first week of February, [...]]]></description>
			<content:encoded><![CDATA[<p>Fixed Rate Mortgage Rates Remain At Record Lows Announces ForTheBestRate.com &#13;<br />
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<p style="text-align: center; ; overflow: hidden; color: #999999;">ForTheBestRate.com &#8211; Research Current Mortgage Rates</p>
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<p class="releaseDateline">Wilmington, NC (PRWEB) February 21, 2012 </p>
<p> 30 year fixed mortgage rates are unchanged since setting a new record low the first week of February, according to mortgage rate research website, ForTheBestRate.com. Holding steady at an average of 3.87% (0.8 points) 30 year home loans are as inexpensive as they have ever been since records have been kept. 15 year fixed rate pricing averaged 3.16% (0.8 points) this week, up only slightly from the record low of 3.14% (0.8 points.)</p>
<p>&#13;</p>
<p>Mortgage borrowers with excellent credit and desirable (less risky) loan scenarios may be able to find mortgage rates even lower than the current averages. On Friday, February 17 30 year fixed rates as low as 3.500% (APR: 3.641%, Points: 1.25, Fees: $  950, Lender: United Pacific Mortgage) were posted in the rate tables on the website. For the 15 year fixed product pricing was advertised as low as 2.750% (APR: 2.886%, Points: 0, Fees: $  1899, Lender: Absolute Mortgage.)</p>
<p>&#13;</p>
<p>&#8220;This is an excellent time for the highest credit worthy applicants to lock in an incredibly low rate. A fixed rate mortgage at 2.75% would have been unimaginable for much of the history of mortgage lending,&#8221; commented Nat Criss, Managing Partner of CMG Equities, LLC, which runs ForTheBestRate.com. &#8220;Even for those with some credit issues or less equity in their properties, pricing can still be very very low, and represent significant savings over loans taken out just a few years ago,&#8221; he added.</p>
<p>&#13;</p>
<p>The risk level of a loan is determined based on factors such as the credit score and history of the applicant, the percentage of the property&#8217;s value that the loan makes up, and the potential borrowers&#8217; income, assets, and other debts.</p>
<p>&#13;</p>
<p>Current mortgage rates for a number of different residential mortgage programs can be viewed on ForTheBestRate.com. Below is a snapshot of mortgage rates for a variety of home financing products listed on the site on 02/17/2012. Rates are subject to change. Please visit the site to view the criteria used in the survey.</p>
<p>&#13;</p>
<p>30 Year Mortgage Rates (0 Points)&#13;<br />
<br />Absolute Mortgage &#8211; 3.625% Note Rate, 3.703% APR, $  1899 Fees in APR&#13;<br />
<br />Emery Federal Credit Union &#8211; 3.750% Note Rate, 3.750% APR, $  0 Fees in APR</p>
<p>&#13;</p>
<p>15 Year Mortgage Rates (0 Points)&#13;<br />
<br />AmeriSave &#8211; 3.000% Note Rate, 3.144% APR, $  1995 Fees in APR&#13;<br />
<br />Emery Federal Credit Union &#8211; 3.125% Note Rate, 3.125% APR, $  0 Fees in APR</p>
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<p>30 Year FHA Mortgage Rates (0 Points)&#13;<br />
<br />Loan Depot &#8211; 3.750% Note Rate, 3.750% APR, $  0 Fees in APR&#13;<br />
<br />First Choice Bank &#8211; 3.750% Note Rate, 3.793% APR, $  1050 Fees in APR</p>
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<p>30 Year VA Mortgage Rates (0 Points)&#13;<br />
<br />Emery Federal Credit Union &#8211; 3.750% Note Rate, 3.750% APR, $  0 Fees in APR</p>
<p>&#13;</p>
<p>About ForTheBestRate.com&#13;<br />
<br />ForTheBestRate.com is a website that offers information regarding mortgages, insurance, and personal finance. ForTheBestRate.com is owned by CMG Equities, LLC based in Wilmington, North Carolina.</p>
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		<title>Total Mortgage Services Launches Cooperative Apartment Lending Program</title>
		<link>http://www.insuranceinoklahoma.net/total-mortgage-services-launches-cooperative-apartment-lending-program.html</link>
		<comments>http://www.insuranceinoklahoma.net/total-mortgage-services-launches-cooperative-apartment-lending-program.html#comments</comments>
		<pubDate>Tue, 21 Feb 2012 09:29:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Apartment]]></category>
		<category><![CDATA[Cooperative]]></category>
		<category><![CDATA[Launches]]></category>
		<category><![CDATA[Lending]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Program]]></category>
		<category><![CDATA[Services]]></category>
		<category><![CDATA[Total]]></category>

		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/total-mortgage-services-launches-cooperative-apartment-lending-program.html</guid>
		<description><![CDATA[Total Mortgage Services Launches Cooperative Apartment Lending Program &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; Milford, CT (PRWEB) April 27, 2011 Total Mortgage Services, LLC, a leading mortgage lender, announced today it has launched a new lending program for cooperative apartments (co-op) for its retail and wholesale lending channels [...]]]></description>
			<content:encoded><![CDATA[<p>Total Mortgage Services Launches Cooperative Apartment Lending Program  &#13;<br />
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<p class="releaseDateline">Milford, CT (PRWEB) April 27, 2011 </p>
<p> Total Mortgage Services, LLC, a leading mortgage lender, announced today it has launched a new lending program for cooperative apartments (co-op) for its retail and wholesale lending channels with some of the most competitive mortgage rates available to qualified borrowers.  Currently, Total Mortgage is offering qualified co-op borrowers a 30-year fixed mortgage at rate of 4.875 percent and an APR of 4.995 percent with 0 points.</p>
<p>&#13;</p>
<p>&#8220;We are excited about now being able to offer our competitive mortgage rates and best in class service to co-op borrowers looking to either purchase or refinance an apartment,&#8221; commented John Walsh, President of Total Mortgage.   Total Mortgage and its multiple investment partners are committed to this market and our fully licensed and experienced loan officers are ready to assist borrowers in order to take advantage of some of the lowest co-op mortgage rates in history.&#8221;</p>
<p>&#13;</p>
<p>Total Mortgage has almost 14 years of experience closing mortgages for borrowers in 21 &#13;<br />
<br />states.  To access the most up to the minute co-op mortgage rates available to residents please &#13;<br />
<br />visit http://www.totalmortgage.com or to speak with an experienced loan officer please call &#13;<br />
<br />1-877-868-2509 or email contact@totalmortgage.com. </p>
<p>&#13;</p>
<p>About Total Mortgage Services, LLC&#13;<br />
<br />Total Mortgage Services, LLC, is an industry-leading direct mortgage lender and mortgage broker and provides some of the lowest rates in the industry. They have funded over $  6 billion in mortgage loans since 1997. Total Mortgage was included in the Inc. Magazines&#8217; list of America&#8217;s Fastest Growing companies in 2010.  Licensed in 21 states, Total Mortgage offers a variety of products and programs including fixed-rate loans, adjustable rate mortgage loans (ARMs), jumbo loans, FHA mortgages and more.  Visit TotalMortgage.com for current mortgage rates, FHA mortgage rates, jumbo mortgage rates, ARM rates, as well as other types of mortgage rates.  For more information on Total Mortgage, please visit http://www.totalmortgage.com.</p>
<p>&#13;</p>
<p>Media Contact:                                                 &#13;<br />
<br />John Lovallo&#13;<br />
<br />Lovallo Communications Group&#13;<br />
<br />Telephone: 203-526-6371</p>
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		<title>Aurora Hospice Grows Staff by Hiring Two New Seasoned Marketers Dedicated to Expansion, Aurora Hospice Taps New Talent</title>
		<link>http://www.insuranceinoklahoma.net/aurora-hospice-grows-staff-by-hiring-two-new-seasoned-marketers-dedicated-to-expansion-aurora-hospice-taps-new-talent.html</link>
		<comments>http://www.insuranceinoklahoma.net/aurora-hospice-grows-staff-by-hiring-two-new-seasoned-marketers-dedicated-to-expansion-aurora-hospice-taps-new-talent.html#comments</comments>
		<pubDate>Mon, 20 Feb 2012 11:00:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Aurora]]></category>
		<category><![CDATA[Dedicated]]></category>
		<category><![CDATA[Expansion]]></category>
		<category><![CDATA[Grows]]></category>
		<category><![CDATA[Hiring]]></category>
		<category><![CDATA[Hospice]]></category>
		<category><![CDATA[Marketers]]></category>
		<category><![CDATA[Seasoned]]></category>
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		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/aurora-hospice-grows-staff-by-hiring-two-new-seasoned-marketers-dedicated-to-expansion-aurora-hospice-taps-new-talent.html</guid>
		<description><![CDATA[Aurora Hospice Grows Staff by Hiring Two New Seasoned Marketers Dedicated to Expansion, Aurora Hospice Taps New Talent &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; Houston,TX (PRWEB) February 20, 2012 Seeking growth from a start-up position can be a challenge, but having the right mix of team players can create [...]]]></description>
			<content:encoded><![CDATA[<p>Aurora Hospice Grows Staff by Hiring Two New Seasoned Marketers Dedicated to Expansion, Aurora Hospice Taps New Talent &#13;<br />
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<p class="releaseDateline">Houston,TX (PRWEB) February 20, 2012 </p>
<p> Seeking growth from a start-up position can be a challenge, but having the right mix of team players can create forward momentum. Understanding the Greater Houston Hospice Market and having key relationships in place creates an environment of progression and growth. Aurora Hospice believes that our newly hired Territory Marketing Managers, Carissa Brown and Whitney Pate, will help lead Aurora Hospice to new highs. </p>
<p>&#13;</p>
<p>Whitney Pate joins Aurora Hospice with over a decade of Healthcare Sales &amp; Marketing experience. She has spent the last year working for Silverado Hospice of Houston and has cemented many relationships and marketing strategies that will be of huge benefit in helping Aurora Hospice grow. </p>
<p>&#13;</p>
<p>Carissa Brown has also been with Silverado Hospice of Houston for the last year and has covered a variety of areas within Greater Houston. Prior to Silverado, Carissa was with Visiting Physicians where she learned what physicians and families truly need from a hospice. </p>
<p>&#13;</p>
<p>“We are truly happy to have retained the services of both of these experienced marketing professionals. As a start-up hospice agency, we knew we needed people with experience, relationships and drive. We know we have found that in both Whitney and Carissa,” said Tangie Malone, Director of Operations. “We look forward to achieving shared success and getting the word out to our healthcare partners within Greater Houston the benefits of Aurora Hospice.”</p>
<p>&#13;</p>
<p>Whitney Pate explains the main reason she decided to join the Aurora Hospice team, “In talking with referral sources and families, I saw the need for greater care than what is currently being offered by hospice agencies. After discussing Aurora Hospice’s goals and services with their management, I truly felt that Aurora Hospice offers patients and families what no other hospice agency can or will – 7-day care giving, complimentary therapies and even pet care for struggling families. I’m proud to offer these services to both patients and families in and around Greater Houston.”</p>
<p>&#13;</p>
<p>“At some point,” declares Carissa Brown, “a family simply needs more help and the burden becomes too great. Aurora Hospice makes it easy to get that help with no roadblocks or hurdles. It is simply care for the patient and family the way hospice is meant to be. My decision to join the Aurora Hospice team was an easy one.”</p>
<p>&#13;</p>
<p>Agency Director Shenice Ferguson says it was easy to make this hiring decision, “we make a tremendous investment in quality for our patients, and by the same token, we make an equal investment in our people. Securing Whitney and Carissa is a large step forward in building our foundation.”</p>
<p>&#13;</p>
<p>About Aurora Hospice</p>
<p>&#13;</p>
<p>Aurora Hospice, founded in 2011, is a newly licensed, and Joint Commission Accredited, hospice agency operating throughout the Greater Houston Area. Along with the traditional hospice team approach, Aurora Hospice aims to give Care Beyond the Accepted and Expected by offering this care 7-days a week to all patients and families. For more information, visit http://www.aurorahospice.com.</p>
<p>&#13;</p>
<p>If you’d like more information on this topic, or to schedule an interview with Brian Steinberg, please call Brian Steinberg at 281-377-8077 or e-mail Brian at Brian(at)AuroraHospice(dot)com</p>
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		<title>Fast Cash Wizard Launches Most Convenient Online Cash Advance Solution</title>
		<link>http://www.insuranceinoklahoma.net/fast-cash-wizard-launches-most-convenient-online-cash-advance-solution.html</link>
		<comments>http://www.insuranceinoklahoma.net/fast-cash-wizard-launches-most-convenient-online-cash-advance-solution.html#comments</comments>
		<pubDate>Sun, 19 Feb 2012 09:46:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Cash]]></category>
		<category><![CDATA[Advance]]></category>
		<category><![CDATA[Convenient]]></category>
		<category><![CDATA[Fast]]></category>
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		<category><![CDATA[Most]]></category>
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		<category><![CDATA[Wizard]]></category>

		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/fast-cash-wizard-launches-most-convenient-online-cash-advance-solution.html</guid>
		<description><![CDATA[Fast Cash Wizard Launches Most Convenient Online Cash Advance Solution &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; West Palm Beach (PRWEB) February 17, 2005 Many consumers who apply online for emergency cash need their money within 24 hours. Time is of the essence in satisfying their short-term cash need. The [...]]]></description>
			<content:encoded><![CDATA[<p>Fast Cash Wizard Launches Most Convenient Online Cash Advance Solution &#13;<br />
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<p class="releaseDateline">West Palm Beach (PRWEB) February 17, 2005 </p>
<p> Many consumers who apply online for emergency cash need their money within 24 hours.  Time is of the essence in satisfying their short-term cash need.  The Fast Cash Wizard (http://www.fastcashwizard.com) is now the fastest way for consumers to connect with their best cash advance lender online.</p>
<p>&#13;</p>
<p>Over are the days when consumers had to hunt blindly for a payday loan lender.  The process used to be frustrating and tedious as consumers would be forced to search and apply on numerous cash advance websites only to find out they were rejected for reasons such as the lender didnÂt provide loans in their state.  </p>
<p>&#13;</p>
<p>Great news is the introduction of the Fast Cash Wizard (http://www.fastcashwizard.com), which connects consumers with their best payday loan lender online with a single convenient application.  Imagine, now consumers can fill out one form, and the Fast Cash Wizard will immediately research its database of 20 cash advance lenders to identify the best lender based on the criteria the consumer selects.  Bottom line, consumers will simply get up to $  1000 cash rapidly.  On average 98% of those who apply with Fast Cash Wizard pre-qualify to get the cash they need.</p>
<p>&#13;</p>
<p>According to the Community Financial Service Association of America (CFSA), ÂIndustry analysts estimate that the payday advance industry extends about $  25 billion in short-term credit to millions of middle-class households experiencing cash-flow shortfalls between paydays.Â</p>
<p>&#13;</p>
<p>Payday advance provides a small, unsecured short-term cash advance until payday.  Many consumers elect to take out a payday advance to pay time sensitive bills while avoiding costly bounced-check fees or late payment penalties.   </p>
<p>&#13;</p>
<p>Common qualifications for payday loans are that consumers must be a US Citizen, 18 years of age or older, be employed and earn more than $  1000 monthly, and have a checking account).  </p>
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<p>Please visit http://www.fastcashwizard.com for additional information about their cash advance services.</p>
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		<title>Bay Area Medicare Advantage Care Company, AdvoCare Insurance Services Opens New Office in Brentwood</title>
		<link>http://www.insuranceinoklahoma.net/bay-area-medicare-advantage-care-company-advocare-insurance-services-opens-new-office-in-brentwood.html</link>
		<comments>http://www.insuranceinoklahoma.net/bay-area-medicare-advantage-care-company-advocare-insurance-services-opens-new-office-in-brentwood.html#comments</comments>
		<pubDate>Sat, 18 Feb 2012 18:48:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Mortgages]]></category>
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		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/bay-area-medicare-advantage-care-company-advocare-insurance-services-opens-new-office-in-brentwood.html</guid>
		<description><![CDATA[Bay Area Medicare Advantage Care Company, AdvoCare Insurance Services Opens New Office in Brentwood &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; Brian Schroeder, LUTCF and President &#8211; AdvoCare Insurance Services &#13; &#13; Brentwood, CA (PRWEB) February 16, 2012 Bay Area’s AdvoCare Insurance Services is excited to announce the opening [...]]]></description>
			<content:encoded><![CDATA[<p>Bay Area Medicare Advantage Care Company, AdvoCare Insurance Services Opens New Office in Brentwood &#13;<br />
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<p style="text-align: center; ; overflow: hidden; color: #999999;">Brian Schroeder, LUTCF and President &#8211; AdvoCare Insurance Services</p>
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<p class="releaseDateline">Brentwood, CA (PRWEB) February 16, 2012 </p>
<p> Bay Area’s AdvoCare Insurance Services is excited to announce the opening of its new, larger office in Brentwood. The location in the Sand Creek Executive Business Park provides a newer and more convenient location than its old venue. The Brentwood community has a strong and growing economy and features a large senior population and a growing family population. AdvoCare Insurance Services will provide services for those needing affordable health insurance, medicare supplement plans, medicare advantage plans and long-term care insurance.</p>
<p>&#13;</p>
<p>“We offer individual and family health, private Medicare, prescription drug, long-term care, critical illness and life insurance plans from major carriers. With us, you can shop and compare plans from multiple carriers; receive free, no obligation comparison quotes; and discover which plans may be right for you. You can speak with an experienced agent and get their unbiased advice or use our websites to shop for insurance online. There is never a fee for our services,” owner Brian Schroeder of AdvoCare Insurance Services said.</p>
<p>&#13;</p>
<p>In addition to its new location, AdvoCare Insurance Services cordially invites citizens aged 55 years and older to its co-sponsored Health Fair event at the Summerset Orchards Community Center. The Summerset Orchards’ Kare Bears will host the Health Fair in the Orchards Ballroom on March 15 from 4 p.m. until 7 p.m.</p>
<p>&#13;</p>
<p>The fair will focus on wellness and fitness routines for seniors, and will feature basic information and hands-on exercises, such as applying acupuncture, dermatology, CA Eye Clinic, Alzheimer’s and Dementia information, physical therapy, tai chi and yoga.</p>
<p>&#13;</p>
<p>Certified financial and insurance professionals will be available to discuss matters like Social Security planning, medicare advocacy, medicare supplements, free health insurance quotes, long-term care insurance, health insurance rates, reverse mortgages, final expense and estate planning.</p>
<p>&#13;</p>
<p>For more information about AdvoCare Insurance Services’ products or services,  call 925-513-7778. The company operates two comprehensive, self-service websites. The main website is http://www.advocareassoc.com and the senior products website is &#13;<br />
<br />http://www.medicareagentonline.com.</p>
<p>&#13;</p>
<p>About AdvoCare Insurance Services</p>
<p>&#13;</p>
<p>AdvoCare Insurance Services is an independent insurance brokerage that helps people obtain affordable health, life, disability and long-term care insurance coverage. Its goal is to help senior citizens live with comfort, dignity and financial security during their retirement years.</p>
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		<title>Abound Resources Share Results from their Annual Survey of Community Finanical Institutions in Complimentary White Paper</title>
		<link>http://www.insuranceinoklahoma.net/abound-resources-share-results-from-their-annual-survey-of-community-finanical-institutions-in-complimentary-white-paper.html</link>
		<comments>http://www.insuranceinoklahoma.net/abound-resources-share-results-from-their-annual-survey-of-community-finanical-institutions-in-complimentary-white-paper.html#comments</comments>
		<pubDate>Fri, 17 Feb 2012 02:58:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Banking Services]]></category>
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		<category><![CDATA[Annual]]></category>
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		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/abound-resources-share-results-from-their-annual-survey-of-community-finanical-institutions-in-complimentary-white-paper.html</guid>
		<description><![CDATA[Abound Resources Share Results from their Annual Survey of Community Finanical Institutions in Complimentary White Paper &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; Austin, TX (PRWEB) February 16, 2012 According to Abound Resources’ white papers that analyzes their survey of community financial institution executives, CEOs of community banks and [...]]]></description>
			<content:encoded><![CDATA[<p>Abound Resources Share Results from their Annual Survey of Community Finanical Institutions in Complimentary White Paper &#13;<br />
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<p class="releaseDateline">Austin, TX (PRWEB) February 16, 2012 </p>
<p> According to Abound Resources’ white papers that analyzes their survey of community financial institution executives, CEOs of community banks and credit unions are feeling more positive than last year in spite of the regulatory cloud. Almost half of CEOs feel either somewhat optimistic or very optimistic about 2012. </p>
<p>&#13;</p>
<p>Unlike 2011, when CEOs were uncertain about what regulations such as the Dodd-Frank Act and the Durbin Amendment would really mean for their institutions, CEOs in 2012 are a bit more optimistic because they are now able to plan for the impact of these and other regulations and drive their organizations toward the future. </p>
<p>&#13;</p>
<p>Regulations, along with a weak economy and loan demand, still do continue to weigh on CEOs minds. “On the credit union side concerns about regulatory issues are a bit more pressing because they often lack internal resources to fully understand what will be required&#8221;, said Brad Smith, President and CEO of Abound Resources. “Most credit unions will require external assistance to fully prepare for the coming regulatory requirements.”  On the bank side, Mr. Smith points out that community banks appear ready to expand commercial lending and technology spending.</p>
<p>&#13;</p>
<p>According to the &#8220;Insights into 2012&#8243; survey, CEO major concerns this year are:</p>
<p>&#13;</p>
<p>COMMUNITY BANK                           &#13;<br />
<br />Regulatory Burden – 67%             &#13;<br />
<br />Weak Economy/Loan Demand – 65%        &#13;<br />
<br />Interest Rate Environment – 36%               &#13;<br />
<br />Growing Fee Income – 22%                      &#13;<br />
<br />Credit Quality/Problem Loans – 18%         </p>
<p>&#13;</p>
<p>CREDIT UNION&#13;<br />
<br />Weak Economy/Loan Demand – 70%&#13;<br />
<br />Regulatory Burden – 53%&#13;<br />
<br />Interest Rate Environment – 45%&#13;<br />
<br />Membership Growth – 19%&#13;<br />
<br />Credit Quality/Problem Loans – 18%</p>
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<p>Although concerns are similar there is a diversion as would be expected, when it comes to setting priorities.  While both place a high priority on improving efficiency and streamlining workflows community bankers’ highest priority is growing commercial loans (75%) while credit union CEOs indicated that improving marketing and sales (57%) was their highest priority.</p>
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<p>In addition to CEOs, Abound Resources also polled chief operating officers, chief information officers and chief financial officers about technology concerns and project plans.</p>
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<p>Nearly two-thirds (61%) of community bank COO, CIO and CFO respondents report that their technology spending will increase in 2012 which makes sense given the slight increase in CEO optimism this year. </p>
<p>&#13;</p>
<p>Credit unions gave a slightly different perspective indicating that technology spending would remain flat and the the priority would be to extract more value from existing technology and vendor relationships.</p>
<p>&#13;</p>
<p>However, comparing credit union CEO growth priorities with COO, CIO and CFO technology plans shows a clear disconnect.  “The priorities for the C-suite center on technologies that increase customer convenience but don’t move the needle on the CEO’s focus on improving sales and marketing,” said Brad Smith.</p>
<p>&#13;</p>
<p>There is also a disconnect between the C-suite and the CEO among the community banker respondents.  As with the credit unions, the COO, CIO, CFO group’s priorities center on technology while the CEO is focused on commercial lending and improving efficiency.</p>
<p>&#13;</p>
<p>Complimentary white papers that analyze the complete survey results are available for download at http://www.AboundResources.com or by clicking on the below links: </p>
<p>&#13;</p>
<p>Insights into 2012: Community Banks Balance Growth, Efficiency and Compliance</p>
<p>&#13;</p>
<p>Insights into 2012: Credit Unions Balance Growth, Efficiency and Compliance</p>
<p>&#13;</p>
<p>ABOUT ABOUND RESOURCES</p>
<p>&#13;</p>
<p>Abound Resources is a full service management consulting firm with the sole purpose of helping community financial institutions achieve their goals  &#8211; whether those goals are for growth, efficiency, technology or risk management. In fact, we guarantee it.</p>
<p>&#13;</p>
<p>Abound Resources offer an array of services designed to improve performance and profitability and help community institutions cope with an increasingly stringent regulatory environment.</p>
<p>&#13;</p>
<p>Our seven practice areas are each headed by an experienced practice leader: &#13;<br />
</p>
<p>  Technology – technology plans, vendor evaluations, core RFPs, bank contract negotiations, bank vendor management&#13;<br />
  Operations and Payments – workflow improvement, bank efficiency studies, payments strategies&#13;<br />
  Lending – loan process improvement, loan origination vendor evaluations and implementations&#13;<br />
  Small Business and Commercial – small business deposit and fee income growth programs, bank cash management programs&#13;<br />
  Strategic Planning – bank strategic plans, risk tolerance planning, one page strategic plans, competitive differentiation &#13;<br />
  Sales and Marketing – branch performance improvement, sales coaching and training, e-marketing strategies and campaign management&#13;<br />
  Risk Management and Compliance – ERM, IT audits, information security assessments, compliance, BSA review
<p>Abound Resources is proud to be an Alliance Provider for CUNA Strategic Services and a Platinum Service Member of the American Bankers Association.</p>
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		<title>Third Time&#8217;s a Charm: The Payroll Company Wins National Award Again</title>
		<link>http://www.insuranceinoklahoma.net/third-times-a-charm-the-payroll-company-wins-national-award-again.html</link>
		<comments>http://www.insuranceinoklahoma.net/third-times-a-charm-the-payroll-company-wins-national-award-again.html#comments</comments>
		<pubDate>Wed, 15 Feb 2012 20:04:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Payroll Services]]></category>
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		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/third-times-a-charm-the-payroll-company-wins-national-award-again.html</guid>
		<description><![CDATA[Third Time&#8217;s a Charm: The Payroll Company Wins National Award Again &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; Madison (PRWEB) November 10, 2006 For the second year in a row and the third time overall, The Payroll Company has been awarded the PayChoice Award for Outstanding Payroll Service Bureau Management. [...]]]></description>
			<content:encoded><![CDATA[<p>Third Time&#8217;s a Charm: The Payroll Company Wins National Award Again &#13;<br />
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<p class="releaseDateline">Madison (PRWEB) November 10, 2006 </p>
<p> For the second year in a row and the third time overall, The Payroll Company has been awarded the PayChoice Award for Outstanding Payroll Service Bureau Management. This award is given annually to the best independently owned payroll service bureaus based on outstanding achievement in payroll service management, client retention, and sales growth. The Payroll Company was selected from a pool of national candidates.</p>
<p>&#13;</p>
<p>&#8220;We work hard to provide advice and useful payroll applications to our clients, always with a focus on top-notch customer service,&#8221; said Eric Schroeder, President of The Payroll Company. &#8220;Our 95 percent client retention rate coupled with this third national award mean we&#8217;re moving in the right direction.&#8221;</p>
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<p>The Payroll Company offers an online suite of applications including payroll, human resources information management, timekeeping services, benefit reporting, and more. These services are available at http://www.payrollcompany.biz.</p>
<p>&#13;</p>
<p>About The Payroll Company</p>
<p>&#13;</p>
<p>Payroll Company, Inc., is a leading provider of payroll and human resource solutions for small- to medium-sized businesses. The company offers comprehensive payroll services, including payroll processing, payroll tax administration, and employee pay services such as direct deposit, check signing, and paperless payroll. Human resource and benefit services include 401K plan recordkeeping, workers&#8217; compensation administration, section 125 plans, and other administrative services for business. The Payroll Company was founded in 1998. With headquarters in Madison, Wisconsin, the company services businesses nationwide. For more information, visit http://www.payrollcompany.biz.</p>
<p>&#13;</p>
<p>Contact: Chris Murphy</p>
<p>&#13;</p>
<p>W: 877-277-2926</p>
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<p>C: 763-218-5759</p>
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		<title>Prestige Financial Solutions Offers A Plan To Stay On Track With Being Debt Free This Year</title>
		<link>http://www.insuranceinoklahoma.net/prestige-financial-solutions-offers-a-plan-to-stay-on-track-with-being-debt-free-this-year.html</link>
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		<pubDate>Wed, 15 Feb 2012 11:02:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt Consolidation]]></category>
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		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/prestige-financial-solutions-offers-a-plan-to-stay-on-track-with-being-debt-free-this-year.html</guid>
		<description><![CDATA[Prestige Financial Solutions Offers A Plan To Stay On Track With Being Debt Free This Year &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; Denver, Colorado (PRWEB) January 26, 2012 Prestige Financial Solutions understands that being debt free has become an annual resolution and it quickly disappears when the [...]]]></description>
			<content:encoded><![CDATA[<p>Prestige Financial Solutions Offers A Plan To Stay On Track With Being Debt Free This Year &#13;<br />
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<p class="releaseDateline">Denver, Colorado (PRWEB) January 26, 2012 </p>
<p> Prestige Financial Solutions understands that being debt free has become an annual resolution and it quickly disappears when the New Years begins and bills start surmounting.  The idea to remember is that becoming debt free is possible for everyone.  The slight fear of falling back into debt should not force people to rush to judgment and start paying off bills with credit cards.  Instead, people should step back and review their finances and ask themselves what they are going to do to get to make sure they have a better year than last year.   Prestige Financial Solutions, a debt settlement company is here to help create a plan for staying on track to becoming debt free this year.</p>
<p>&#13;</p>
<p>Get your financial house in order.  With the start of the New Year many people want to make sure they are more prepared than the year before with finances.  Eventually some of us slip in to old habits and our financial situation becomes the same as the previous year.  Here are some tips to keep you going on the process of becoming debt free this year.</p>
<p>&#13;</p>
<p>1.    Analyze your finances&#13;<br />
<br />2.    Review all purchases made last year&#13;<br />
<br />3.    Determine if there are any necessities for the new year that are different from the previous year&#13;<br />
<br />4.    Develop an emergency fund&#13;<br />
<br />5.    Create a Budget and stick to it</p>
<p>&#13;</p>
<p>Here are some extra tips for working toward financial freedom and maintaining your new year’s resolution of becoming debt free.</p>
<p>&#13;</p>
<p>1.    Create a monthly budget by reviewing income and expenses to determine how much you can afford to pay toward your debt.&#13;<br />
<br />2.    Once your budget has been determine, you can explore your options, such as:&#13;<br />
<br />o    Paying creditors more than the minimum required amounts&#13;<br />
<br />o    Obtaining a consolidation loan to pay off all cards.  It is NOT recommended to refinance your mortgage to pay off credit card debt.&#13;<br />
<br />o    Explorer credit card counseling programs to see if your can reduce your interest while maintaining an affordable monthly payment.&#13;<br />
<br />o    Research debt settlement programs and look specifically for programs that do not charge upfront fees and can eliminate your principle balance within 36 months or less.&#13;<br />
<br />o    Declare bankruptcy; a last resort due to length and cost of the process and the effect it will have on your financial well-being and long-term credit.</p>
<p>&#13;</p>
<p>Prestige Financial Solutions strongly recommends consulting with a debt advisor to help you assess your situation and further explain your options.  To find reputable companies who may be able to help you, visit the Better Business Bureau’s website.  Consumers should be well-informed and ask questions, as there are pros and cons to each option.  If you are in doubt about which states may work with debt settlement companies here are a few websites that may help you: Colorado Debt Settlement, Missouri Debt Settlement, Michigan Debt Settlement, Wisconsin Debt Settlement and Alabama Debt Settlement.  “Anxiety caused by credit card debt can be a highly emotional situation and people need to be sure they’re working with a reputable, established company that has their best interests in mind,” said Amy Thompson, a founder of Prestige Financial Solutions.</p>
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		<title>Johnny Hebda Named Entrepreneur of the Year at Brigham Young University</title>
		<link>http://www.insuranceinoklahoma.net/johnny-hebda-named-entrepreneur-of-the-year-at-brigham-young-university.html</link>
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		<pubDate>Mon, 13 Feb 2012 18:55:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Johnny Hebda Named Entrepreneur of the Year at Brigham Young University &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; Orem, UT (PRWEB) February 13, 2012 Each year dozens of students compete in Brigham Young University&#8217;s annual Entrepreneur of the Year Competition sponsored by the College Entrepreneur Organization, commonly referred to as [...]]]></description>
			<content:encoded><![CDATA[<p>Johnny Hebda Named Entrepreneur of the Year at Brigham Young University &#13;<br />
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<p class="releaseDateline">Orem, UT (PRWEB) February 13, 2012 </p>
<p> Each year dozens of students compete in Brigham Young University&#8217;s annual Entrepreneur of the Year Competition sponsored by the College Entrepreneur Organization, commonly referred to as the &#8221; CEO Club&#8221;.  Students go through lengthy rounds of judging and emerge to three finalists that are selected upon successful completion of the various rounds.  During the final round of the competition, students present their businesses to a panel of investors and venture capitalists that select the winners based on a detailed evaluation of each business and their presentation to the student body of their business.     </p>
<p>&#13;</p>
<p>Utah is home to many start up businesses each year and Brigham Young University regularly produces some of the top notch talent. </p>
<p>&#13;</p>
<p>Listed on the Marriott School&#8217;s Web site is the last ranking for student entrepreneurs at BYU by Entrepreneurs magazine, and BYU was voted as No. 12 in the nation.</p>
<p>&#13;</p>
<p>Faculty entrepreneur mentor, Gary Rhoads, said that BYU produces one of the highest percentages of students who run their own companies in the nation.</p>
<p>&#13;</p>
<p>&#8220;We try to have students develop their ideas and concepts fully so the minute they graduate they can start their business. But most can&#8217;t wait,&#8221; Rhoads said.</p>
<p>&#13;</p>
<p>This year&#8217;s winners included: Johnny Hebda of Pointe Pest Control, Ethan Heintzelman, founder of Elite Express, and Bo Porter, founder of Fox Websites.  Each of these students won $  10,000 in cash prizes as well as additional awards in in kind services.</p>
<p>&#13;</p>
<p>Hebda has also been invited to the Global Entrepreneurs&#8217; Organization competition where he will compete against student entrepreneurs from colleges throughout the US and Canada. </p>
<p>&#13;</p>
<p>Johnny Hebda, owner of Pointe Pest Control, shared his feelings about putting work as first priority, which is not typical of most college students trying to juggle a full load of classes, social activities, and dating.  Hebda explained that it is a constant balancing act for him, but finds it easy to put business first because he considers himself to be a workaholic.</p>
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<p>&#8220;People are dependent on me, and I depend on the business because it&#8217;s my source of income,&#8221; Hebda said.</p>
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<p>He also said students should not wait to start their own business because they do not think they have the time.</p>
<p>&#13;</p>
<p>&#8220;Just know your opportune time and take advantage of it,&#8221; Hebda said.</p>
<p>&#13;</p>
<p>Derek Pando, President of the BYU Chapter of the Collegiate Entrepreneur Organization, pointed out that now, while in college, is the best time to start planning a business.</p>
<p>&#13;</p>
<p>&#8220;Never will a person be in a better position where they have so many free resources and ideas, BYU tries to create an environment for entrepreneurs,&#8221; Pando said. &#8220;There is the entrepreneurship club, faculty who mentor for free and great networking opportunities.&#8221;</p>
<p>&#13;</p>
<p>Networking is the buzz-word among these entrepreneurs. All spoke of how they met their partners and investors through occupations, classes and school organizations. Hebda said he is constantly meeting new people because he is not stuck behind a desk. While Alder&#8217;s company was able to network with investors through an online speed-pitching competition. Networking was also pointed out as the second most important skill in running one&#8217;s business while in college, the first being time management.</p>
<p>&#13;</p>
<p>While having a successful business in school can be rewarding itself, BYU Marriott School provides competitions such as The Business Plan Competition (BPC) and Student Entrepreneur of the Year (SEOY), where students can earn large cash awards. SEOY is the most recent competition, just having its finals in December 2007.</p>
<p>&#13;</p>
<p>SEOY was organized by the BYU Chapter of the Collegiate Entrepreneur Organization, and was impressed by many of the entries, which according to the organization&#8217;s President Pando had revenues in the millions, employees near the forties, and room for growth.</p>
<p>&#13;</p>
<p>Johnny Hebda grossed annual revenues well over $  3 million dollars in his Salt Lake City and Denver locations.  An impressive model for any business, but especially for a 25 year old undergrad.</p>
<p>&#13;</p>
<p>&#8220;I feel that running my own business while going to school has provided a more hands on approach to learning.  The BYU faculty and advisors have been extremely helpful in providing advice and direction during the process.  I truly feel that I will graduate with the best education available in entrepreneurship, business and leadership available.  I have learned so much during this process and running a business while attending classes has been the perfect synthesis for a well rounded education,&#8221; Hebda says.</p>
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<p>Upon graduation, Hebda plans to expand his business ventures before going on to get an MBA.  Hebda employs hundreds of college students each summer to offer his services through door-to-door marketing, as well as technicians to service residents homes for common household pests, such as spiders, ants and mice.</p>
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<p>&#8220;This has certainly been a huge sacrifice in many ways, but I feel that the skills that I have learned and financial security that this has provided me at such a young age will catapult me years ahead,&#8221; Hebda says.</p>
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		<title>Docebo Receives from Principia II, Part of Principia SGR, 2,4 ? Million to Boost its Business into a Cloud E-Learning ?As a Service? Model</title>
		<link>http://www.insuranceinoklahoma.net/docebo-receives-from-principia-ii-part-of-principia-sgr-24-million-to-boost-its-business-into-a-cloud-e-learning-as-a-service-model.html</link>
		<comments>http://www.insuranceinoklahoma.net/docebo-receives-from-principia-ii-part-of-principia-sgr-24-million-to-boost-its-business-into-a-cloud-e-learning-as-a-service-model.html#comments</comments>
		<pubDate>Sun, 12 Feb 2012 02:47:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<guid isPermaLink="false">http://www.insuranceinoklahoma.net/docebo-receives-from-principia-ii-part-of-principia-sgr-24-million-to-boost-its-business-into-a-cloud-e-learning-as-a-service-model.html</guid>
		<description><![CDATA[Docebo Receives from Principia II, Part of Principia SGR, 2,4 € Million to Boost its Business into a Cloud E-Learning “As a Service” Model &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; &#13; Docebo Cloud E-Learning &#13; &#13; (PRWEB) February 10, 2012 The entry of Principia II in Docebo’s capital represents [...]]]></description>
			<content:encoded><![CDATA[<p>Docebo Receives from Principia II, Part of Principia SGR, 2,4 € Million to Boost its Business into a Cloud E-Learning “As a Service” Model &#13;<br />
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<p style="text-align: center; ; overflow: hidden; color: #999999;">Docebo Cloud E-Learning</p>
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<p class="releaseDateline">(PRWEB) February 10, 2012 </p>
<p> The entry of Principia II in Docebo’s capital represents a unique opportunity, for the E-Learning company, to boost the development of its product in a Cloud / SAAS perspective, so as to respond to a clear market demand still remained unanswered. This funding operation is intended to support the launch of the brand-new Docebo Cloud E-Learning platform, with unique features able to disrupt the current market rules. To be activated online, with no technical skills required, it allows large and small realities to deliver training in a flexible and immediate way.</p>
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<p>Docebo, leader in providing integrated E-Learning solutions for distance training to large companies, SMEs and government, is currently training more than 300.000 users across every continent, thanks to its Docebo E-Learning platform, multimedia E-Learning courses development and Project management services. With a positive track record since its foundation and steadily growing revenues over the past 7 years, Docebo has established itself on the international market with 2 fund operations: on 2006 with the Angel Investor Seeweb, now with Principia II.</p>
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<p>Claudio Erba, CEO of Docebo, states: “Some of Principia SGR partners – Andrea Di Camillo and Marco Magnocavallo – were themselves Internet entrepreneurs: this has created a natural and spontaneous understanding of perspectives”.</p>
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<p>Docebo’s investment strategy is focused on an internationalization of Docebo E-Learning platform (already available in more than 25 languages), challenging the cloud solutions made in Silicon Valley.</p>
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<p>Andrea Di Camillo, partner of Principia SGR, states: “we have invested in Docebo, an firm which already builds its success on a great product on one side, and on the ability and experience of its team on the other one: two essential factors that allow Docebo to face and boost its international growth that we want to support also with the new – not only financial – allocated resources”.</p>
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