Category Archives: Financial

Financial

Financial, Financial Information, Financial Services, Insurance, Insurance Services, Money

Sloppy Shed Security Is An Open Invitation To Thieves Warns M&S Home Insurance

A new survey by M&S home insurance has revealed that, with many people set to head out into the garden this Easter weekend, many shed owners may be under estimating the value of the contents of their shed and not taking appropriate steps to secure their property.

The survey by home insurance provider M&S Money found that the average shed contains a massive £888 worth of property. One survey respondent admitted to keeping £30,000 worth of goods in their shed.

However, almost a quarter of shed owners (24%) admitted failing to take steps to secure their shed, such as using a lock on the door.

The lack of security may help to explain why sheds are often targeted by thieves – 30% of shed owners know someone who has had property stolen from their shed.

Judith Roberts: Manager at M&S Insurance, said: “Sheds often contain a wealth of property, including tools or machinery which can cost thousands of pounds. Our survey reveals that many people fail to take even simple steps to secure their shed. It’s not surprising, therefore, that insurers receive many claims for theft from sheds.

“Householders should check whether their home insurance policy provides cover for theft from the shed, and whether there is a limit on that cover. Even if you do have insurance, unless you secure your shed, any claim may be invalid.”

The M&S home insurance policy provides unlimited cover for theft of property from a shed. Policyholders must take reasonable steps to ensure they have secured their shed.

All figures, unless otherwise stated, are from YouGov Plc. Total sample size was 1971 adults. Fieldwork was undertaken between 18th – 20th March 2009. The survey was carried out online. The figures have been weighted and are representative of all GB adults (aged 18+).

About M&S Money
M&S Money (the trading name of Marks & Spencer Financial Services) was founded in 1985 as the financial services division of Marks and Spencer Group plc. The company is now a top ten credit card provider and the second largest travel money retailer in the UK. M&S Money also offers a range of insurance cover, including home insurance, pet insurance, car insurance and wedding insurance, as well as loans, savings and investment products.

In November 2004, Marks & Spencer sold M&S Money to HSBC. The Group serves customers worldwide from around 9,500 offices in 86 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. With assets of US$2,527 billion at 31 December 2008, HSBC is one of the world’s largest banking and financial services organisations.

M&S Money has an executive committee comprising an equal number of representatives from HSBC and Marks & Spencer. An ISDN line is available for broadcast interviews

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Anti-Money Laundering, Assets, Business, Debts, Financial, Financial Services, Money, Retirement

Tracing Specialists Set Up Office in the City

Tracesmart Ltd, leading suppliers of people tracing services, electronic identity checks and data cleansing systems, have this week established a new London office in 30 St Mary Axe, widely known as ‘The Gherkin’. The Cardiff based company has procured an office in the City due to an exponential growth in the number of clients based in and around London.

The Gherkin is situated where The Baltic Exchange was previously located and at 180 metres tall is the second tallest building in the City of London. In 2005, following a survey of the world’s largest firms of architects, The Gherkin was voted the most admired new building in the world; this allure and presence in the City were part of the reason Tracesmart chose it as their secondary base of operations as Mike Trezise, Tracesmart’s Managing Director, explained,

“The Gherkin is one of the best known and most revered buildings in London and as such was the ideal choice for our new office. Its location also played a considerable part in our decision to locate there – we currently have a large number of City-based financial clients and having an office in the heart of London’s financial district will enable us to better interact with them and meet their needs.”

The ever growing number of London and South of England clients who employ the company’s Tracesmart Corporate suite of services, was, as Trezise noted, a key factor in the decision to set up a London base. These clients include financial institutions who call upon Tracesmart to locate dormant accounts with unclaimed assets, high profile pension sector companies that utilise the company’s pension tracing services and life assurance companies wishing to conduct existence checks. Commenting on Tracesmart’s prestigious new office Chris Rothwell, Sales Director for Tracesmart, highlighted the role it will play,

“My team and I currently travel across the length and breadth of the UK to meet clients, yet we’ve noticed that more and more were requesting meetings in London; as such the next logical step was to locate an office in the City. Our new office in The Gherkin is a key part of our business development strategy as it will enable us to reinforce our current client relationships and nurture new ones by offering a geographically preferable meeting spot for those in the South East.

Cardiff will remain the headquarters for Tracesmart and we will continue to hold many meetings there. Our current offices are always well received by clients; as well as giving them the opportunity to see the company in action, many people have commented on how pleasant a business environment our offices are with the spectacular views of Cardiff Bay.”

Tracesmart’s new London office is located at:

Floor 28
30 St Mary Axe
London EC3A 8BF
Tel: 020 7469 4204
Fax: 020 7469 4001

About Tracesmart:

  • Tracesmart Limited was formed in 1999 and supplies a diverse range of consumer data cleansing, identity check and tracing tools to a wide variety of industries. Their client base ranges from SME to Blue Chip, who are all recipients of bespoke solutions, built around their specific needs.
  • Mike Trezise is the founder and Managing Director of Tracesmart. With over 25 years tracing and fraud analysis experience, his unrivalled knowledge provides the company with a distinct competitive advantage.
  • Chris Rothwell previously worked in both the financial markets and tracing industry. With a wealth of knowledge and experience, Chris is well placed to head up Tracesmart’s corporate sales team.

 

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Financial, Financial Services, Insurance, Insurance Services, Money, Personal Finance

M&S Money Survey Finds Two-Thirds Of Householders Have Failed To Check If Their Plants, Bushes, Trees And Shrubs Are Covered By Insurance, Despite The Fact That The Average Garden Contains £721 Worth Of Greenery

As householders head into the garden this spring, the survey from home insurance provider M&S Money reveals that many people have been targeted by green-fingered criminals.

The M&S Home Insurance survey found that 17% of people with a garden know someone who has had plants, bushes, trees or shrubs stolen from their garden. The problem is particularly serious in northern England, where almost a quarter (24%) of adults with a garden knows someone who has had greenery stolen.

Plants are also a favourite target of vandals – 10% of people have had plants, bushes, trees or shrubs in their garden maliciously damaged. Gardens in Wales are most likely to be targeted by vandals, with 17% of Welsh respondents reporting they have had plants damaged.

Despite the apparent extent of the problem, 67% of people have not checked whether their plants are covered by home insurance.

Judith Roberts, M&S Insurance Manager, said: “Householders often spend thousands of pounds securing their home to protect their family and property. However, despite the huge amount of time and money invested in many gardens, security levels are often very poor, making them an attractive target for thieves and vandals.

“Householders can take simple steps to reduce the risk of becoming a garden crime victim. It is also wise to check whether your home insurance policy provides cover for property in the garden.”

The M&S home insurance policy covers for loss or damage to plants, bushes, shrubs and trees in the garden.

All figures, unless otherwise stated, are from YouGov Plc. Total sample size was 1971 adults. Fieldwork was undertaken between 18th – 20th March 2009. The survey was carried out online. The figures have been weighted and are representative of all GB adults (aged 18+).

About M&S Money
M&S Money (the trading name of Marks & Spencer Financial Services) was founded in 1985 as the financial services division of Marks and Spencer Group plc. The company is now a top ten credit card provider and the second largest travel money retailer in the UK. M&S Money also offers a range of insurance cover, including wedding insurance, home insurance, pet insurance and car insurance, as well as loans, savings and investment products.

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Financial, Financial Services, Insurance, Insurance Services, Money, Personal Finance

M&S Money, Pet Insurance Provider, Warns Pet Owners Who Cut Back On Regular Treatments For Their Animals Will Increase The Risk Of Expensive Vet Bills In The Long-Term

As Spring arrives, M&S Money is highlighting that animal lovers can reduce the risk of their pets suffering from common conditions, such as dental disease and worms, by investing in regular, affordable treatments. For example, a single treatment to reduce the risk of fleas in household pets costs around £4. A vet bill to treat fleas can reach as much as £2,000 in severe cases.

Judith Roberts, M&S Insurance Manager, said: “Responsible pet owners know that regular treatments can help to reduce the likelihood of their pets suffering from common conditions. However, purchasing all the recommended medication can be expensive, particularly at this time. M&S Pet Insurance customers are turning to Bestpet to reduce the cost of these treatments and ensure their pets remain happy and healthy.”

M&S Pet Insurance has joined with the online pharmacy, Bestpet.co.uk, which already sells pet medication costing up to 50% less than buying at the vets, to help reduce the costs for pet-owners, with a further 5% discount on prescription and non-prescription drugs as well as pet foods.

Pet owners are also reminded that most insurance policies will not cover the cost of treating any illness that their pet should have been vaccinated against.

John Darlington of Bestpet Pharmacy said: “Even if a pet is insured they need to be treated regularly to prevent suffering and avoid potential claims as well as possible premium increases. Simple worming and flea treatment regimes can protect the pet from infestation. We are now approaching the high season for these ailments.”

 

M&S Money (the trading name of Marks & Spencer Financial Services) was founded in 1985 as the financial services division of Marks and Spencer Group plc. The company is now a top ten credit card provider and the second largest travel money retailer in the UK. M&S Money also offers a range of insurance cover, including home insurance and wedding insurance, as well as loans, savings and investment products.

With a market capitalisation of US$190 billion (as at 7 October 2008), the HSBC Group is one of the world’s largest financial services organisations. Over 100 million customers worldwide entrust HSBC with US$1.2 trillion in deposits. With a tier one capital ratio of 8.8% and a loan to deposit ratio of 90% as at 30 June 2008, the Group remains one of the most strongly capitalised and liquid banks in the world.

M&S Money has an executive committee comprising an equal number of representatives from HSBC and Marks & Spencer.

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Financial, Financial Education, Financial Services, Insurance, Insurance Services, Money

Fulfill Your Insurance Continuing Education Requirements For Only A $1 Per Credit In Most States

If you have been frustrated with the options available to fulfill your credit requirements for continuing insurance education, you life may have just got a lot easier. www.MyCeIsOnline.com began offering insurance education courses last month for only $1 per credit in most states. Instead of paying over $10 per credit hour to take them in a class. We had an insurance agent take several of their courses to review their site and service.

The feedback was that it was the ugliest site she had ever seen. That being said, the courses were delivered with out issues, payment was easy, and she really liked the part about not paying until she passed the exam. In all she said she didn’t care if the site was ugly. It was by far the best Insurance CE solution that she had seen.

We would suggest the same, go check out the site, laugh at how ugly it is, then fall in love with its simplicity. To visit their site. Go to http://www.myceisonline.com.

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Financial, Financial Services, Insurance, Insurance Services, Personal Finance

The Latest LV= Home Insurance Survey Reveals Addresses In Britain Are Being Devalued By A Total Of £71 Billion* As A Result Of Eyesores In The Local Neighbourhood

Of those questioned, 44% Brits live close to a dilapidated home which experts say typically knocks up to 10%** (£15,675) off the average house value of neighbouring properties.

Common ‘neighbouring problems’ which can affect a property’s value include overgrown or unkempt front gardens (22%), peeling paintwork (19%) and dumped furniture or mattresses left outside the property (10%). Persistent noise pollution such as invasive music from a house next door (11%) can also reduce the value of a typical property by an average of £18,000.

Analysis commissioned by LV= home insurance, reveals that would-be homebuyers assume that these problems indicate a ‘neighbour from hell’ which reduces the price they are prepared to pay and in many cases completely deters buyers from making offers.

Currently 11% of UK adults live next to a rundown property and generally the closer the proximity of a neglected or noisy home, the greater the effect on a property’s value, according to chartered surveyors Zennor Consultants.

In the present market downturn, valuation surveyors are also more likely to down-value a property where they can see that the tone of the area is negatively affected by evidence of anti-social behaviour, or by a significant lack of maintenance on adjoining properties. Conversely, when property prices are booming, they are often more willing to overlook even significant defects.

Poor maintenance of the house next door can also have other serious consequences. 33% of Brits have had their homes damaged by an adjacent property. Frequent problems include flooding or damp (11%), pest infestations (11%) and adjoining fence damage (9%), which overall costs the average homeowner £1,600 to repair. Just 19% of the next door properties’ owners covered such costs – either from their own pocket or by claiming on insurance.

John O’Roarke, managing director of LV= home insurance, said: “This research shows that the financial price of living near to an untidy neighbour could have dire consequences, not only on your lifestyle but also on a home’s value and maintenance costs.

“People living near these properties need to ensure they have suitable home insurance in place so that if the worst does happen they can claim for any damage to their home. Our research also found that unkempt properties have caused seven per cent of homeowners to fall out with their neighbours, so ensuring a good relation is always sensible – that way unpleasant situations can often be prevented.”

 

Research carried out on behalf of LV= by Opinium Research and Zennor Consultants.

* According to DCLG there are 25,754,000 UK households. 44% adults live near untidy property. Average UK house price £156,756 (Land Registry March 2009). Average reduction in value for an untidy street property = 4%. £6,270 x 0.44 x 25,754,000 = £71,050,135,200
** According to Zennor Consultants in March 2009.

About LV= 
LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited (LVFS) and a trading style of the Liverpool Victoria group of companies. The new LV= brand identity was launched in March 2007.

LV= insurance offers pet, home, travel and car insurance direct to consumers by telephone from its UK call centres in Bournemouth and Croydon and online from its website. LV= has been awarded the Defaqto five star rating for home insurance and car insurance. LV= insures over 1.6 million cars and 480,000 households in the UK.

LVFS is authorised and regulated by the Financial Services Authority register number 110035. LVFS is a member of the ABI, AMI, AFS and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.

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Business, Currency, Financial, Financial Information, Forex, Money, Stocks, Trading

For the very latest in currency reporting, check out the brand new Best Currency Performance Tables on Currency UK

Foreign Exchange specialists Currency UK are today launching their Best Currency Performance Tables, which reveal the strength of worldwide currencies and act as a comparison tool to show how each currency is performing against another…

For the very latest in currency reporting, check out the brand new Best Currency Performance Tables on Currency UK.

The simple to use tables not only show how well a currency is performing in its own right, but also compares each one against other global currencies to see how they stack up.

The best and worst performing currency over the last month, six months and year is also clearly shown. This invaluable information makes for essential reading for all would be investors as it sets out which currency has been the best to invest in over the past year.

The Tables show that the New Zealand dollar was by far the best performing currency over the last 28 days, up 15 per cent against the US dollar and a whopping 17 per cent against the Japanese Yen. The New Zealand dollar increased against every other currency included on the list, rising 10.3 per cent on average.

Other strong performers were the Swedish Krona, which rose on average 6.28 per cent against other currencies. The Australian dollar rose 3.67 on average against other currencies, rising by 10 per cent against the Japanese Yen.

After a strong showing over the last year, the Japanese Yen was the worst performing currency over the last 28 days, falling an average of 7.15 per cent against each other currency. The Yen’s biggest fall was 14 per cent against the New Zealand dollar. It also fell 9.6 per cent against the Australian dollar and 6.5 per cent against the Euro.

Other weak performers were the British Pound, which fell on average 4.37 per cent against the other currencies, falling by four per cent against the Euro and 12 per cent against the New Zealand dollar.

Adrian Jacob, Senior Account Manager at Currency UK said, “The Japanese Yen is doing particularly badly at the moment due to the once strong trade surplus turning into a trade deficit.

“This is likely to remain the case for at least the next six months and, as Japan is no longer unique in its low interest rates, investors have been losing interest which has obviously affected the Yen.

“In terms of performance by other currencies, the British pound has been struggling due to quantitative easing and a lack of risk appetite and the Australian dollar has been doing well as it is no longer a plaything for investors as it is no longer tied to risk appetite,” added Mr Jacob.

Currency UK is a one stop shop for all your currency needs. Other features on the site include 13 individual currency pages, each giving a detailed description of a specific currency, along with advice and rankings.

There is also a ‘buy currency’ page on which you can buy and sell Sterling, Euros, Dollars and all other major currencies commission free at exceptional rates not available on the high street.

The currency conversion page reveals the latest rates, historic charts and tables for all of the major currencies and the Regular Payment Service allows you to benefit from the best rates and low charges when sending regular foreign currency payments.

Visit Currency UK, one of the UK’s leading currency brokers, to view the Best Performance tables or call 020 7738 0777 for more information or to talk to a currency advisor.

Notes to editors:

Founded in 2000, Currency UK is a foreign exchange and international funds transfer specialist. One of the UK’s leading currency brokers, Currency UK has helped thousands of customers move hundreds of millions of pounds around the globe.

As Currency UK doesn’t have the large overheads of the major banks, it is able to pass the savings on to customers by providing better value for money on foreign exchange services.

Currency UK Ltd is a member of the Association of International Property Professionals (AIPP) and is the preferred foreign exchange partner of The Offshore Financial Trade Association (OFTA).

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Checking & Savings, Financial, Financial Management, Financial Services, Money, Personal Finance

Lloyds TSB study highlights the plight of the 13.5 million recession novices in the UK, as the financial recession hits the real economy

According to a new study* from Lloyds TSB the current economic downturn is the first recession which over one in four of British adults** have experienced in their adult life. While recession veterans are realistic about what to expect, these recession novices are more optimistic and less prepared to change their lifestyles.

The report found 21% of all Brits – regardless of past experience – felt the current climate has led them to suffer from ‘recession depression’. 17% claimed they had sleepless nights worrying about personal finances and 36% are spending more time at home.

The report indicated that a third of recession veterans feel better prepared for today’s economic woes because they have lived through a downturn before, although 44% acknowledged it feels very different to last time. Many said their confidence comes down to better financial management. 68% felt better prepared because they are more careful and don’t overspend (compared to 57% of novices) and 66% said they are better prepared because they don’t rely on credit to fund their lifestyles. 56% of those with recession experience simply thought they were more realistic than younger generations about how much they can spend.

Corinne Sweet, Psychologist and author commented: “When times are bad and money is tight, people experience fear and anxiety, making them more conservative and less adventurous and expansive overall. Recession novices will be feeling the greatest shock, and worrying about how to maintain their lifestyles while paying off debts, while those that have lived through it before will probably cope better, reverting to old methods of survival.”

Recession veterans are taking sensible steps to rein in spending, like buying cheaper brands (42%) and becoming more frugal. Novices are less prepared to take drastic steps. Just 24% admitted drastically cutting their spending (compared to 30% of old timers) and only a fifth are becoming more frugal compared to 39% of recession old timers. Recession novices are also less prepared to cut back on holidays and breaks away with 19% cutting back compared with a quarter of recession veterans.

To help customers during this difficult period, Lloyds TSB has created a guidance microsite for people looking for financial help. Savvy Guidance is an online resource providing useful tips and information on managing finances in the current climate, along with interactive explanations of the credit crunch, a jargon buster, FAQs and real life video stories showing how the guidance and support from a financial health specialist, can help in times of financial difficulty.

Throughout the country 1,500 financial health specialists are also on hand in Lloyds TSB branches to help customers review their finances, manage their money better and givetailored guidance and support.

About Lloyds TSB:
Lloyds TSB offers customers a wide range of current accounts, savings accounts, insurance, personal loans and credit cards, designed to meet different customers’ needs.

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority and signatories to the Banking Codes.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065.

Notes to editors:
* Opinium Research carried out an online poll of 2,221 British adults from 30th January to 3rd February 2009. Results have been weighted to nationally representative criteria. 
** Based on UK population figures and that anyone aged 34 or below will not have been an adult during the last recession (1992). This equals 13,580,000 UK adults (28.3% of 47,778,000 UK adult population) who have not lived through a recession before in their adult life.

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Financial, Financial Services, Insurance, Insurance Services, Personal Finance

LV= Has Announced That Its Level And Decreasing Term Assurance Products, As Well As Optional Critical Illness Cover, Are Now Available On The Moneysupermarket.Com Price Comparison Website

This is the first time LV= has launched its protection products online through an aggregator website. Customers can now compare the LV= life insurance and Critical Illness Cover products against the others which are available in the market, as well as any additional benefits that may be offered, with the ‘more than a cheque’ benefits from LV= which include ‘Healthy Steps’, an online health assessment and advice service, as well as free terminal illness cover.

Robin Willison, LV= Financial Advice Director commented: “It’s great that potential customers will now be able to compare the value and features of our life insurance against a number of other providers in the market. We are conscious of the financial pressures that many people are facing at the moment, and this move will demonstrate how competitive we are, and allow consumers to get the best value cover at a price that is right for them.”

Emma Walker, Head of Protection at moneysupermarket.com said: “We have been working with LV= through our off line advice team for five years and are now delighted to welcome LV= to the moneysupermarket.com consumer facing website, as we constantly strive to provide customers with the widest choice across the market. In the current climate it is more important than ever for customers to be able to compare prices and investigate levels of cover available. This is a great move for a protection specialist like LV= as they really are helping people to look after what they love in life by joining our platform.”

* Terminal Illness cover is included free and applies if the customer has less than 12 months to live, allowing customers to claim on their policy.

About LV= 
LV= and LV= Liverpool Victoria are trademarks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. The new LV= brand identity was launched in March 2007.

LV= employs more than 3,800 people, serves around 3.2 million customers and members, and manages around £7bn on their behalf. We are also the UK’s largest friendly society (Association of Friendly Societies Yearbook 2006/2007, total net assets) and a leading mutual financial services provider.

LVFS is authorised and regulated by the Financial Services Authority and entered on the Financial Services Authority Register No. 110035. LVFS is a member of the ABI, AMI, AFS and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.

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Financial, Financial Services, Insurance, Insurance Services, Personal Finance

LV= Research Reveals Importance Of A Good Claims Service

LV= research has revealed that 83% of people interviewed who had made a claim on their car insurance said they would pay more for their insurance cover if they had the assurance of a good claims service. However with many people buying insurance just based on the very cheapest price, LV= is warning consumers not to forgo quality just to save a few pounds.

Peter Horton, operations director for the LV= general insurance business said: “Many people are understandably looking to make savings and cutbacks on their insurance at the moment, so they might be tempted to buy a policy from the insurer offering absolutely the cheapest quote. However the danger is that they may save themselves a few pounds in the short term but end up seriously out of pocket if that insurer offers a substandard claims service.”

LV= operates an award winning claims service and so far this year has received two more accolades for its service, including a Consumer Intelligence Gold rating.

The latest Gold Award is based on Consumer Intelligence research among over 2,000 people who made a claim on their motor insurance in 2008.

People were asked to rate their overall satisfaction with the service they received from their provider and give their views on specific elements of the claims service, including courtesy cars, repair quality and levels of communication.

The award comes hot on the heels of a Which? Magazine’s People’s Choice award received by LV= last month.

The People’s Choice accolade is awarded to the best financial service providers across a number of categories as voted for by 15,000 Which? members. Members of the Which? online panel that had experienced a claim within the last 12 months were polled to find the top provider and LV=’s claims service provided under the Frizzell brand was voted as the best.

Peter Horton concluded: “The whole point of insurance is to ensure that if your car is involved in an accident or stolen your claim will be dealt with quickly and efficiently and you won’t end up out of pocket. It’s a false economy to go with a bargain basement price only to end up paying for premium rate telephone lines every time you need to speak to the insurance company, or being stuck without a vehicle for weeks on end. People shouldn’t just consider the price but also check the insurer has a good claims service.“

Peter concluded, “LV= is a mutual insurer, meaning we aren’t liable to stock market fluctuation or shareholder pressures in the same way as many other insurers, so we are able to put service at the forefront of what we do whilst still offering a competitive price. As these award wins show, our claims service is one of the best in the market – as voted for by people who have experienced a claim, and who better to ask than them?”

 

About LV= 
LV= offers car, home, travel and pet insurance cover direct to consumers by telephone from its UK call centres in Bournemouth and Croydon and online from its website. LV= is a registered trade mark of Liverpool Victoria Friendly Society Limited (LVFS) and a trading style of the Liverpool Victoria group of companies. LV= employs over 3,800 people, serves around 3.2 million customers and members, and manages around £7 billion on their behalf. We are also the UK’s largest friendly society (Association of Friendly Societies Key Statistics 2008, total net assets) and a leading mutual financial services provider.

LVFS is authorised and regulated by the Financial Services Authority register number 110035. LVFS is a member of the ABI, AMI, AFS and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.

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College Finance, Financial, Financial Services, Loans, Money

Indiana Campaign Finance Announces Payday Loans

Now, through Indiana Campaign Finance — fast payday loans — from the convenience and privacy of your desktop. No fooling — there’s no faxing. Just quick funding. No tedious, time-consuming, paper-greedy processes to hold you back or tie you down from the solution that awaits you, thanks to Indiana Campaign Finance.

ICF knows that some situations call for a fast and trouble-free fix, so our knowledgeable experts have created the online No-Fax Payday Loan, for the fastest prescription for your short-term financial crunch.

For those urgent, worrisome times when “help can’t wait,” Indiana Campaign Finance (ICF) can come to your rescue. home loans ICF isn’t just any port in the storm — it’s your modern-day solution for modern-day financial woes. Use fire to fight fire — apply for your ICF Payday Loan, and get help, fast.

Apply for an easy, fast ICF student loans or Payday Loan online and get your money deposited directly and conveniently straight into your bank account, with no faxing or intervention required. No anxiously waiting for mail deliveries that might get held up or misdirected – you’ll be the first to know when help has arrived, not your mail carrier.

If you can type, ICF can help — it’s just about that simple. Armed with just your paystub and the privacy of your computer, you can truly feel better fast by attacking what really needs to be done: dealing with urgent debt and quieting creditors through help from ICF.

Now is the time to exchange desperation for relief — why wait? ICF is on your side. — or can be, as soon as you say the word. 

Don’t hesitate to turn to ICF for help — with financial debt, like a hole in the roof, things will only deteriorate the longer you wait. 

Act now to stop your expensive debts from getting even bigger. With the savvy and sympathetic staff at ICF, there’s no need to wait or hesitate.

Afford yourself some urgently needed peace of mind: with a quick-fix remedial Payday Loan from Indiana Campaign Finance, you can buy yourself some breathing room to think straight and fly right. Apply For the ICF No Faxing Payday Loans Online And Get Your Loan Now! Indiana Campaign Finance Payday Loan online applications are at your fingertips, at http://www.indianacampaignfinance.com/loans/payday-loans.html.
Remember, the sooner you apply, the sooner you’ll breathe easier. See also : auto loans, bad credit loans

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Financial, Financial Services, Home Equity, Loans, Money, Mortgage, Personal Finance

Fixed rate mortgages are low, particularly for those with at least 25% equity, but will they/can they get any cheaper?

Tracker mortgage rates mirror any change in bank rate, but with mortgage lenders increasing tracking margins, and with bank rate at 0.5%, have you missed the boat?

Unusually, standard variable rates may also look attractive, but are lenders passing on any change in interest rates, as they struggle to retain savers?

If you are unsure what to choose, here are some L&C tips on how you could hedge your bets.

A mix and match mortgage is where you take part on a variable rate and part on a fixed rate. This gives you some security but will also mean you don’t completely miss out if rates fall again. The downside is that you’re likely to pay an arrangement fee for both schemes.

Drop lock mortgages, offered by lenders such as Halifax, Nationwide and C&G, allow you to take a tracker deal, but switch to a fixed rate in the future without penalty.

This might seem the perfect solution but timing your switch will be tricky, and is likely to involve your home being revalued. With house prices continuing to fall, a revaluation could see you move into a higher loan to value band with higher rates, so even if fixed rates generally fall, you could end up paying more. Any switch is also likely to mean a new arrangement fee.

You could also consider a capped tracker mortgage. The tracker means you don’t miss out on interest rate cuts, and adding a cap means there is a maximum rate you can pay, so if rates rise above the cap, you don’t need to worry.

The Coventry and Yorkshire Building Societies and Woolwich have all recently launched capped trackers.

To find out more visit the best buy mortgages section of the L&C website.

Whatever you do, L&C’s advice is don’t delay. With lenders reserving their best deals for those with up to 40% equity, and falling house prices eroding your equity, any delay could cost you dear.

For more information and no-fee advice, borrowers should call free on 0800 373300.

 

London & Country (L&C) is the UK’s leading no-fee mortgage broker. Based in Bath, it provides whole of market advice via telephone and post to clients nationwide. As well as residential mortgages, it also specialises in the Buy-to-Let and adverse-credit sectors.

L&C is a Climate Neutral company and for the last seven years has invested in climate friendly projects and tree-planting to help offset its emissions and those of its customers. For more information, go to www.lcplc.co.uk/green

L&C has won numerous awards including:

Best Mortgage IFA/Adviser of the Year – Money Marketing, 2004, 2005, 2006 and 2008
Best Technology Adviser – Money Marketing 2007
Best Mortgage Broker outside London – Mortgage Strategy, 2004 and 2005
Best National Broker – Mortgage Introducer 2005, 2006 and 2007
Best Overall Broker – Mortgage Introducer 2005
Overall broker of the year – Pink Home Loans, 2006 and 2007
Top 100 company in the Sunday Times Fast Track 100 for 2004 and 2005
Business of the Year – The Bath Business Awards 2005
Growth Strategy of the Year – National Business Awards (Wales and West) 2008
Business Leader (Broker) – British Mortgage Awards – 2008
Online Mortgage IFA of the Year – Financial Adviser – 2008

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Business, Costs, Financial, Financial Services, Money, Profits

Forward Thinking PEO Services Provider Brings More Money to Businesses

It’s a known fact that American businesses these days are searching for more progressive ways to keep their organizations viable and profitable. The current economic situation has businesses locally, nationally and globally strategizing on how to balance income and expenses. Many companies are struggling with decisions like; should we diversify, cut payroll costs, adjust our employee benefits structures or shut the doors. A current reality facing all business decision makers is that it’s time to implement reorganization and restructuring strategies geared towards keeping their companies from experiencing devastating losses.

Fortunately, a Professional Employer Organization, PEO, can help in some very beneficial and economic ways. A PEO company is a one-stop human resources hub that can help any business streamline their back office support essentials like payroll processing, tax filing, and more. National’s PEO Services begins with a team concept that means the client has the attention of several experienced PEO staff and not just one or two persons. Whatever your business needs; payroll, human resources, workers compensation and benefits administration, to name a few, a professional and experiences PEO can save businesses money. Organizations with the staff sizes as small as10 or as large as 500 employees, are National PEO’s specialty.

Payroll Outsourcing Services is just one benefit provided a National PEO client. They can and have saved many companies hundreds to thousands of dollars. National PEO’s highly trained and accomplished staff can get your clerical and back office needs met quickly and efficiently. Many experts in business have proven that if a company enlists the help of payroll outsourcing services, the executives and management personnel are free to give their attention to the product or service offered to the consumers. What does all this translate to the new client of National’s PEO Services? It means more income to operate and less expense allocated in the clerical or administrative divisions.

Owning a business with employees means payroll processing. Payroll workers can spend countless hours tracking the employees time and where it was spent, tallying the figures for Federal, State, and Medicare taxes (this doesn’t include filing the tax forms quarterly or yearly), and writing the paychecks. Every business is unique and a perfect solution, for any business dilemma, can be found with the assistance of a talented and experienced PEO. The PEO team acts like a one-stop payroll administration center that incorporates the management of all human resource responsibilities such as: payroll processing, payroll tax filing. National PEO is not limited to payroll; they offer human resources information management (John Rico), benefits administration, information technology (Kevin Davis), paycard services and so much more.

Business experts and business professionals from all types of commerce and enterprises will warn newbie business owners to not take the accounting, clerical and payroll end of business for granted. It is in these areas that bad decisions or neglect can topple a company into bankruptcy. Don’t like the bookkeeping or back office end of business? Consider researching the services at National PEO, a
reputable professional employer organization.

Businesses today need state of the art information technology. Difficult economic times do not have to mean the end of any business enterprise. The smart business person and decision makers are always open to strategize internal changes that can keep operations profitable and continue to provide customers the quality service and product they have come to expect. Peo Services like National PEO, puts money back into business. They can handle numerous requirements presented by the business owner or corporation, in return, saving that business precious time and money.

About National PEO, LLC:

Located in Scottsdale, Arizona, National PEO has been in business since 1999. They specialize in providing professional employer services with an emphasis on teamwork. A highlight of National PEO is that clients can purchase bundled or ala carte services. National PEO caters to businesses of any size.

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Credit Cards, Financial, Financial Services, Loans, Money, Personal Finance

Woolworth’s Release Everyday Money Credit Card

If you are a Woolworth’s customer or thinking of becoming one then the new “Woolworth’s Everyday Money Credit Card” offer is for you. The advantage of the new Woolworths credit card is that it rewards you for being a loyal shopper. You receive bonus points f r o m Shopping at Woolworths and partner stores around Australia. Rewards For Shopping at Woolworth’s Supermarket. 

Earn 3 points for every dollar spent on select products at Woolworth’s supermarkets. If you spend $200 on food shopping per week then this would equate to 600 bonus points added to your Everyday Money bonus points account. Earn 2 points for every other product you buy at Woolworths, Safeway, Big W, CALTEX WOOLWORTHS/SAFEWAY co-branded fuel outlets, epump, Woolworth’s/Safeway Liquor, Dick Smith PowerHouse and participating Dick Smith Electronics and Tandy stores. The Everyday Money deal also gives you 1 point for any other purchases made on your credit card. This product gives you the opportunity to earn reward points for your everyday shopping in Australia.

Redeeming your Points
Every 4 months depending on how many points you have earned in this period Woolworth’s customers will earn a Shopping Card that can be used at Woolworth’s stores and participating partner networks. The shopping card can be used for anything f r o m food shopping to the petrol pump.

Credit Card Features
The Everyday Money Card is issued on behalf of the HSBC Bank and is subject to their lending requirements. The low purchase interest rate as of March 24 2009 is 17.99 percent. For a limited time only the Everyday Money Mastercard comes with a $50 bonus shopping card upon the first card usage, and zero dollar annual fee for the first year, after which the annual fee is $49 per year. If the balance transfer is not paid off within this period then the standard purchase rate applies.

Conclusion
If you are a Woolworths customer and a responsible credit card user then the rewards program offered by the Everyday Money Mastercard will provide you with advantageous benefits. Woolworths is one of Australia’s most reputable organisations and the partnership with HSBC Bank gives the Australian consumers a deal that will save.

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Banks, Bonds, CDs, Checking & Savings, Financial, Financial Services, Interest Rate

NS&I Changes Premium Bonds Prize Structure And Variable Rates On Savings

NS&I has announced that f r o m the April prize draw onwards one of the two monthly Premium Bond jackpot prizes of £1 million will be replaced by a wider mix of prizes in the monthly draws, allowing more people to win but still retaining the chance of winning the £1 million jackpot prize. Similarly, a new £25 Premium Bond prize will be introduced and used alongside the existing prizes (ranging f r o m £50 to£1 million). These changes have been introduced because Premium Bond holders say that maintaining the chances of winning tax-free prizes on a regular basis is particularly important to them.

In addition to these changes, NS&I is reducing the Premium Bond prize fund rate f r o m 1.8% to 1%. This rate will be held at least until the June 2009 draw even if there are further changes to the base rate. This is the first change NS&I has made to the prize fund rate since December last year – during which time the Bank of England base rate has fallen f r o m 3.0% to 0.5%. The revised prize fund rate will come into effect f r o m 1 April 2009.

The current odds of each £1 Premium Bond number winning any prize will remain unchanged at 36,000 to 1, so with average luck an investor with £30,000 in Premium Bonds could win 10 tax-free prizes a year. The unclaimed premium bond prizes range all the way f r o m £25 up to £100,000. NS&I gives away over one million tax-free* Premium Bond prizes each month.

NS&I is also reducing the interest rates on its other variable rate savings by up to 0.50%, following movements in the Bank of England base rate. The revised interest rates will come into effect f r o m 18 March 2009.

Peter Cornish, Director of Customer Offer, NS&I, said: “Premium Bonds are unique and are hugely popular with our customers. Replacing one of the £1 million jackpot prizes with a wider mix of prizes and introducing the new £25 prize category will help us maintain the frequency of tax-free prizes – something that we know is particularly important to Premium Bond holders. “

He continued, “We always aim to reward as many of our customers as possible f r o m the prize fund available, together with having the right mix of prizes. We continue to pay out hundreds of thousands of tax-free prizes each month and customers also benefit f r o m a 100% guarantee on their investment because we are backed by HM Treasury.”

As always, NS&I will communicate all of these changes to customers via a range of outlets, including press advertisements and NS&I’s website, as well as putting an updated Premium Bonds prize draw details leaflets in all Post Offices and updated interest rates leaflets in most branches of WH Smith throughout the UK.

* Tax-free means that interest and prizes are exempt of f r o m UK Income Tax and Capital Gains Tax Gross means the taxable rate of interest without deduction of UK Income Tax.

 

When interest rates are s e t on tax-free products, NS&I takes into account the amount of tax the Exchequer would have received if the product had been taxable.

About NS&I
NS&I is one of the UK’s largest financial providers with 27 million customers and over £94 billion invested. It is best known for Premium Bonds, but also offers inflation-beating savings account guaranteed equity bonds, savings bonds easy access accounts and children’s bonus bonds in its range. All products offer 100% security, because NS&I is backed by HM Treasury.

Out of hours above number diverted to staff mobile phone ISDN line for interviews: 020 7602 4522.

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Financial, Financial Information, Financial Services, Home Equity, IRA, Money, Personal Finance, Retirement

Recession Woes Grow For Pensioners

New Prudential Class of 2009 retirement survey reveals the UK’s deepening economic crisis will mean the 3.25 million UK adults who plan to retire in 2009 can expect to receive £2.87 billion* less in their pensions than those who planned to retire in 2008.

The survey found UK workers planning to draw their pension in 2009 expect to get an average income of£17,779 a year, £884 less than those retiring in 2008 who anticipated an average annual income of £18,663. Retirement will mean taking a £7,129 cut in income compared with the national average salary of £24,908** but some believe they will be considerably worse off.

The Prudential survey showed that 11% of people retiring in 2009 expect to receive an income of less than £10,000 a year from their pensions and investments, with 12% of women expecting to manage on this level of income compared to 9% of men.

While 39% said their pension and savings would give them a decent retirement income, 61% were doubtful that they would have enough money to enjoy a comfortable life in retirement. When asked if they thought they were financially well prepared for retirement, only 47% responded positively.

Keith Haggart, Director of Lifetime Mortgages at Prudential said: “The global economic recession is relentless and indiscriminate in its impact and it was only a matter of time before we began to see British pensioners bear the brunt.”

He continued, “Although the results of our survey make unsettling reading, there are ways for pensioners to maximise their incomes during these difficult times. Drawing on some or all of the assets saved throughout their working lives, including releasing value from property through equity release schemes, can boost annual incomes without having a detrimental impact on quality of life or forcing pensioners to downsize or embark on a fire sale of their possessions and assets.”

Keith urged anyone approaching retirement or who has recently retired to talk to a financial adviser to help them review all their assets and savings to see how they could be used to maximise income.

Prudential’s retirement planning website helps consumers and employers tackle retirement issues. The website features a Retirement Planner which has been designed to help determine how much income a customer’s current arrangements might give them in retirement, factoring in current pensions, property, savings and investments. The Planner also shows customers how they might be able to boost retirement income, if there is a gap between what their current arrangements will provide at the point of retirement and what they anticipate they may need.

* Office of National Statistics 2007 show 24,990,500 adults aged 45+ in the UK. Prudential research shows that 13% of UK adults aged 45+ (youngest age stated by individuals planning to retire in 2009) said they planned to retire in 2009 = 3,251,854 people. Multiplied by £884 individual shortfall = £2.87 billion.

** 2008 ASHE survey results show median weekly pay for full-time employees in UK grew by 4.6% in the year to April 2008 to reach £479 (multiplied by 52 weeks =£24,908).

Survey conducted online by Research Plus among 1,000 UK adults aged 45+, during 10–18 November 2008.

About Prudential
“Prudential” is a trading name of The Prudential Assurance Company Limited, which is registered in England and Wales. This name is also used by other companies within the Prudential Group, which between them provide a range of financial products including life assurance, pensions, savings and investment products. Registered Office at Laurence Pountney Hill, London EC4R 0HH. Registered number 15454. Authorised and regulated by the Financial Services Authority.

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401K, Checking & Savings, Financial, Financial Education, Financial Information, Financial Services, Investment, IVA, Money

NS&I Has Launched A New Online Feature, The Five Questions, Featuring Sir Alan Sugar, To Encourage The British Public To Give Their Personal Finances A Much Needed Health Check

With research from NS&I revealing that 40 per cent of the population have no long-term financial plan and almost a fifth (17 per cent) don’t seek information on managing their money because it is too confusing, the need for a quick, simple way to help people review their current financial situation is clear.

The Five Questions prompt individuals to consider important aspects of their financial management, including how much debt they have and what their cash and assets are worth. Each question is designed to ensure that everyone, regardless of age or situation, really thinks about their current financial situation and plans accordingly for a secure financial future.

John Prout, Director of Customer Sales and Retention at NS&I said: “The Five Questions help focus the mind and help people make an honest and straightforward appraisal of their financial situation. This is part of our ongoing work to fulfil our duty, as an organisation in the financial services industry, to help everyone understand the basics when it comes to making financial decisions.”

Once answered, the five questions link to specific information on NS&I’s You and your money website. This is an impartial website launched by NS&I in 2008 as part of an ongoing drive to improve the public’s understanding of personal finance. The site has a dedicated financial jargon-buster guide and sections on key life stages, such as planning for a family or retirement. Just like The Five Questions, it is simple and easy to use, even for those who find finance difficult to understand.

John Prout added, “Most people are very familiar with the healthy eating model of ‘five portions of fruit and veg daily’. We want to encourage a similar mindset about financial planning to ensure people review their finances on a regular basis.”

Nick Cann, Chief Executive at the Institute of Financial Planning stated, “Asking the key questions to help you get your finances in better shape needn’t be hard work. Through basic planning techniques, individuals can then make the first step to improve their overall financial ‘fitness’. We welcome this initiative, and it aligns well with the IFP’s development of a national Financial Planning Week – scheduled for September 2009.”

You and your money has a range of useful links and tools to help people decide what action they should be taking. These include:

-pensions and personal inflation calculators
-FSA online tools
-Government online tools and calculators

NS&I plans to add further lifestyle sections to the website over time.

*The survey, which questioned people about financial planning, was carried out by TNS in 2008 among 1009 GB adults aged between 16 and 64.

About NS&I
NS&I is one of the UK’s largest financial providers with 28 million customers and over £88 billion invested. It is best known for Premium Bonds, but also offers Inflation-Beating Savings and investment accounts, Guaranteed Equity Bonds and Children’s Bonus Bonds in its range. NS&I also provides a choice of isa accounts with the direct isa and a cash isa which will remain available to new customers until 5th April 2009. All products offer 100% security, because NS&I is backed by HM Treasury. NS&I has a number of spokespeople available for interviews via ISDN line: 020 7602 4522.

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401K, Checking & Savings, Financial, Financial Services, IRA, Retirement

New Book Reveals Safe And Lucrative Investment Alternatives

“Unlimited Investing with a Self-Directed IRA LLC or Solo 401(k): Break Free F r o m Wall Street to Build Real Wealth with Alternative Investments” teaches investors safe and effective ways to build and protect their wealth.

With investors fed up with corporate greed, corrupt financial institutions and risk-laden Wall Street investments, now more than ever investors are looking for strategic ways to accumulate, grow and preserve their wealth outside of Wall Street. “Unlimited Investing with a Self-Directed IRA LLC or Solo 401(k): Break Free F r o m Wall Street to Build Real Wealth with Alternative Investments,” enables average investors to start learning how to identify safe, alternative places for their money so they can achieve financial freedom and financial security. The book is co-authored by the world’s leading self-directed investing expert, Jeff Nabers, and real estate and financial author, Phoebe Chongchua. Download the first chapter at UnlimitedInvesting.com

Nabers says that unlimited retirement accounts have been used to invest in alternative assets for decades, but few investors take advantage of these opportunities because of a lack of awareness. “Until recently, everyone thought the road to riches was paved with stocks and bonds. But today we know this isn’t true. Investors can no longer depend on untrustworthy financial institutions and greedy Wall Street executives to secure their financial future for them,” says Nabers.

“Instead, this book will teach investors how to convert their shrinking mutual fund portfolios into solid portfolios of real assets.”

Unlimited Investing includes everything an investor needs to know about protecting and growing wealth in today’s uncertain terrain, including:

• How to profit f r o m the decline of the dollar
• How to recession-proof your investments
• How to get your assets in your hands and stop risking them with untrustworthy financial institutions
• Understanding your Self-Directed IRA or 401(k) investment structures’ options
• How to avoid large or unnecessary fees and expenses

“Anyone who has ever wanted to invest in real estate, gold and silver, private equities, private debt instruments and international investments will benefit f r o m the practical advice and rare information available in this book,” says Chongchua.“It’s time for investors to wake up and explore the investment opportunities that await them outside of Wall Street. They’ll be glad they did.”

Nabers says he believes average and sophisticated investors alike can benefit f r o m his years of knowledge. “I’ve dedicated six years of my life to learning everything possible about self-directed investing and am making all this information available for public consumption for the first time ever with the release of Unlimited Investing,” says Nabers.

“Unlimited Investing” can be pre-ordered directly at http://www.UnlimitedInvesting.com

ABOUT THE AUTHORS
Jeff Nabers is a nationally recognized educator, speaker, and consultant specializing in the topic of investing with Self-Directed IRA & 401(k) plans. He is the founding member and chairman of IRA Association of America, the industry’s only non-profit trade association. Jeff is also CEO of Nabers Group, a full-service self-directed retirement plan provider. Years ago, as a real estate investor and owner of a mortgage lending company, Jeff set out to learn the ins and outs of using a Self-Directed IRA. It turned out to be a long and strenuous process. Jeff found himself traveling all over the country to pick up bits and pieces of useful information f r o m dozens of sources. Unlimited Investing is a compilation of the fruit of Jeff’s research combined with the experienced perspective f r o m Jeff’s participation in thousands of transactions involving both alternative assets and retirement plan funds.

Phoebe Chongchua has a 20-year background in journalism, marketing, and customer service. She specializes in real estate writing and her work is featured in Donald Trump’s book “The Best Real Estate Advice I Ever Received,” and “The Complete Idiot’s Guide To Buying Foreclosures.” She is the author of “If the Trash Stinks: TAKE IT OUT! 14 Worriless Principles For Your Success.” Phoebe began her career in TV as an anchor and news reporter for ABC News in San Diego, California. She holds a real estate license in California and continues to write and educate consumers on real estate and financial issues in various columns and publications online and in print. She is a columnist for Realty Times, Bizymoms Expert on Real Estate, and the publisher of Live Fit Magazine. After writing several articles on the topic of alternative asset investment vehicles, she realized how little the average consumer understands this highly powerful method of investing. Catalyzed to improve awareness, Phoebe’s research dug deeper, and the helpful findings are presented in this book.

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401K, Checking & Savings, Financial, Financial Services, IRA, Retirement

Sunwest Trust, Inc., Self Directed IRA Custodian Announces 19% Growth in 2008

Self Directed IRA Custodian, Sunwest Trust, Inc., which is located in Albuquerque, New Mexico, defies economic odds by growing by 19% in 2008 despite the recessive economy. Sunwest Trust has diverse business interests and services self directed IRA and 401k clients nationwide.

Despite the grim economic climate and the receding value of the DOW, “Sunwest Trust continues to thrive and grow,” says Terry White, Chief Executive Officer for Sunwest Trust, Inc. In 2008, Sunwest Trust experienced their most profitable year in the company’s history and has grown by nearly 19% during the recession. White attributes much of their 2008 growth to the recent exodus from Wall Street, resulting from the daily fluctuations in the stock market. He adds, “Investors are pouring out of the stock market because they are fed up with the downward market free fall.” With the DOW down as much as 7000 points since last June, many IRA and 401k accounts have seen negative growth and have fallen by as much as 50%. As IRA holders see their retirement accounts deteriorating, “they are eager to look for investment alternatives,” says White.

Indeed, Sunwest Trust is positioned to meet this need; Sunwest allows their clients to invest in anything that is not specifically prohibited by the IRS code. Basically, this includes anything other than life insurance and collectibles. Although Sunwest allows clients to invest alternatively, White adds, “We strongly encourage our clients to exercise thorough due diligence and speak with a tax professional before making any alternative investments.”

Dustin White, Business Development/ IRA Specialist, suggests, “Our reasonable fee structure and customer service have also had a hand in our success in 2008.” Sunwest Trust IRA account fees have remained unchanged over the past seven years, and according to Dustin, “we do not plan on raising our fees in the foreseeable future, especially in this economic climate.”

Sunwest continues to provide outstanding service by managing their growth one client at a time. “We strive to personalize our clients’ experience. For example, when you call Sunwest Trust, you’re not going to get an automated voice answering system; you’re going to talk to a real person,” adds Dustin.

“February 2009 was another record-breaking month for Sunwest, in terms of new accounts received. All indications point to another great year for the company. We grew 19 % last year, and I see no reason why we can’t top that again this year,” says White.

About Sunwest Trust:
Sunwest Trust is an independently owned private company that offers self-directed IRA custodian and escrow services. The company offers a huge range of financial services providing post retirement benefits, private mortgages, real estate contacts and other related fields for its clients. FDIC insured banks back the self directed IRA funds of their clients. For more information on the activities of the company, please visit http://www.SunwestTrust.com.

Also, you can learn more about Sunwest Trust by watching their self directed IRA videos on Youtube.

http://www.youtube.com/watch?v=7PlPhDnsbMA
http://www.youtube.com/watch?v=yLbAd65wO1c

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