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Vertafore’s purchase of Kaplan Compliance Solutions is another step towards delivering on the ease of doing business promise to insurance distribution professionals.  It is an indication of the consolidation of vendors along vertical lines as providers deliver solutions that can solve multiple problems in producer management.

Managing the insurance distribution chain involves disparate administrative functions such as configuring compensation plans, administering payment and reconciliation, registering and licensing of producers and tracking education requirements. To a producer, all of these tasks are part of a single process — maintaining and growing a critical relationship. However, in a many insurance companies, multiple departments perform separate tasks in the chain. Systems and work processes have been separated according to history and habit.

When service issues arise, agents are not interested in knowing that different people are handling different parts of the process using systems that do not “speak” to one another. They wou

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Have you ever considered what is needed to effectively accomplish a task? I’ve been turning this over in my head for the past few days as I meditated on several things that I needed to happen at one of my stores. Here is what I came up with:

1. Tools – having the proper tools is critical
2. Knowledge – tools are worthless if you don’t know how to use them
3. Training – book knowledge is great, training is better
4. Willingness – nothing happens unless someone is willing to make it happen
5. Experience – many tasks are much better performed by experienced people
6. Enthusiasm – working with enthusiasm is the difference between getting something done and getting it done efficiently
7. Commitment - a commitment to excellence and doing it right

Doing something, and doing it well, requires all seven components. Is there anythin

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Tags: Things, Things Done

The Obama Administration recently announced that it wouldn’t allow lenders to foreclose on unemployed homeowners until they miss more than a year of monthly house payments, The Washington Post reports.

While this is temporary good news for homeowners, it’s more of a stopgap measure than a real solution. The Federal Housing Administration previously required banks to allow its borrowers to put off mortgage payments for four months while lenders worked out options to keep people in their homes. The national unemployment rate was 9.1 percent in May, while it sits at 8.7 percent in Illinois.

Chicago Bankruptcy Lawyers have seen many desperate homeowners, especially those who are unemployed and scrambling to keep their houses, seek out home loan scams and other programs in the hopes of keeping their homes. But as people remain unemployed, their credit card debt typically increases, leading to extended debt.

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Tags: Homeowners, Unemployed Homeowners

Credit card Q&A: “What credit card has the lowest interest rate?”

When it comes down to it, credit card interest rates are constantly changing, so it’s hard to say “X” or “Y” credit card comes with the lowest rate.

It’s an ever-evolving landscape, with credit card issuers locked in fierce competition with one another to offer the best rate, bonus, cash back, etc.

0% is the Lowest Interest Rate…

But one thing I can say definitively is that the lowest interest rate you can obtain on a credit card is 0%.

Sure, that’s obvious, but let me delve a little deeper.

Most credit cards these days come with 0% APR for some promotional period, whether it be six months or 21 months.

During that time, you pay nothing in the way of credit card finance charges on your new purchases and/or balance transfers.

It’s important to distinguish those two categories, as the credit card APR on purchases and balance transfers often differs.

For example, you may see a credit card that offers 0% APR on purchases for six months and 0% on balance transfers for 12 months or longer.

Or you may see a credit card that offers 0% APR on purchases for six months and the standard interest rate on balance transfers from the offset, which could be in the teens or higher.

The combinations are really endless, but the point is that the APR will vary, and it’s important to know what it is in all instances.

A low interest rate for purchases accompanied by an astronomical interest rate for balance transfers could burn you if you’re looking to transfer credit card debt.

Conversely, a credit card with a standard purchase APR and a 0% balance transfer APR won’t do you much good if you don’t have an existing balance and plan to buy a lot of new things.

How Low Are the Interest Rates?

The funny thing about so-called “low interest rate credit cards” is that the APR is often in the low teens, as opposed to the high teens or 20% range.

So instead of an astronomical rate, you wind up with a slightly more reasonable rate. Calling it “low interest” is a bi

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Tags: Interest Rate, Lowest Interest, Lowest Interest Rate, Rate

There are times when a good quick loan is the best, and probably the only solution to a financial problem. Even when you have your personal finance managed properly, you may still come across an unexpected expense that creates a gap in your monthly budget. Thankfully, banks and other financial institutions are now offering several interesting quick loans that you can use to fill the gap very easily.

Payday cash advance is one of the best loans to take out when it comes to filling an urgent financial gap. You can complete the entire application process and get the money you need transferred into your bank account in a matter of hours – the process can sometimes takes even less than an hour – which means you will be able to solve your financial problem almost instantly.

If you have credit cards, you can also make a cash withdrawal to get the money you need. Rem Read full article…

Tags: best loans