• Insuring an individual over age sixty-five (65) or with a serious illness
• With a face value of at least $100,000
• Issued over two (2) years ago

1. Making a donation to his/her favorite philanthropic organization without depleting cash reserves or losing income-producing assets;
2. Getting a tax deduction for the fair market value (selling price) of the life insurance policy instead of only the cash surrender value;
3. Being able to see their donation put to use during their lifetime rather than after their death if the organization did not utilize a Life Settlement;
4. Eliminating the requirement of continued premium payments on the policy;
5. Removing a taxable asset from their estate if the policy was individually held.

1. Receive a donation from a Donor who may not have otherwise been in a position to contribute at all;
2. Collect a lump sum of cash today instead of having to wait for the insured's death to collect the proceeds;
3. Not having the financial burden of paying premium payments to keep the policy in force;
4. Providing a valuable option to the Donor that furthers their tax and estate planning objectives and invites the opportunity for future/additional gifts.
5. Improved annual budget forecasting ability

All future premium payments are the responsibility of the purchaser and upon the death of the insured, the death benefit is payable to the purchaser. The cash proceeds from the Life Settlement may be used by the organization in any way ? there are no restrictions regarding the use of the funds. The money may be invested or spent on current projects. Because some Life Settlement Brokers offer fundraising support, it makes sense for organizations to partner with them for their expertise.Life Settlement RegulationsAs of June, 2003, eighteen (18) states have enacted statutes addressing the sale of life insurance policies insuring non-terminally or chronically ill individuals and an additional seventeen (17) states have laws that only regulate the sale of life insurance policies insuring terminally or chronically ill individuals. Fifteen (15) states do not regulate the transaction at all.

Donated Life Insurance Policies In addition, most philanthropic organizations currently own life insurance policies that have been donated in the past. If there is a need for funds sooner rather than later or if the premium payments are becoming burdensome, the organization can utilize Life Settlement transactions to sell those policies for lump sums of cash and put the money to work right away.Life Settlements are powerful arrows in the quivers of professional fundraisers ?

1. Generating money for their organizations by encouraging current gifting of life insurance policies
2. Turning already donated life insurance policies into cash

Abed is a graduate of the University of California at Berkeley with a Ph.D. in electrical engineering. He has a well rounded, diversified, broad, and successful management experience encompassing operations, engineering, manufacturing, corporate/strategic planning and analysis and management consulting, in addition to significant teaching and research experience at the university level.His extensive business experience in project operations and general management includes more than 10 years of general management of companies with activities in international markets and more than 10 years of directing multiple projects and a large staff employed in a wide range of occupational areas. His background includes several years of teaching graduate and undergraduate courses in engineering, mathematics and physics. He is the recipient of numerous scholastic honors.

He developed and published lecture notes for four university courses, several research papers, and was annually voted as one of the top ten professors for the duration of his teaching career. He participated in and conducted several seminars and training programs in business administration, management development, technical training, and power utilities operations.He is a graduate of the International Factoring Institute (IFI), a graduate of the National Capital Institute (NCI), a Certified Factoring Specialist (CFS), a Certified Capital Specialist (CCS), a Million Dollar Club member and a Master Consultant of the American Cash Flow Association? (ACFA), a recipient of the American Cash Flow Corporation (ACFC) 2002 President's Award, a recipient of the American Cash Flow Journal? (ACFJ) 2003 Contributing Writer of the Year Award and charter president of the San Diego Cash Flow Association (SDCFA). He published several articles on business funding and factoring.He is the founder and president of Mach 1 Funding, which specializes in helping small and medium size businesses with their cash flow by providing them with immediate cash.Roberta Standen, the driving force behind North American Loan Servicing, was appointed as president of the Corporation in June 2000, when the Corporation decided to expand its loan servicing business nationwide. Roberta is organized and highly skilled in business management, sales and marketing and in client relations. Her leadership and problem solving ability, coupled with incredible drive, keeps the organization on track.

A licensed real estate broker since 1974, Roberta is a 1977 graduate of the Realtors Institute and holds the professional designation of Equity Marketing Specialist (EMS) and Diversified Cash Flow Specialist (DCFS). Roberta is the former President and CEO of Coldwell Banker Mother Lode Properties Inc., and a certified teacher for the Coldwell Banker UniversityIn addition to her responsibilities with North American Loan Servicing, she is General Partner of Mariposa Financial, a commercial real estate enterprise and serves as the Managing Member of California Equity Investors. Since 1984, she has served on the Board of Directors for California Equity Corporation, a company involved in loan origination and mortgage brokering. Her experience includes project management for several major real estate development projects throughout California, including the Acuerdo con Dios Townhouse Development and the Story Hill project, both located in Northern California. In addition, Roberta has been a long-time specialist in real estate exchanges.

Roberta has authored many articles for the cash flow industry and is a frequent speaker and seminar presenter for the National Exchange Counselors, NoteWorthy, and the American Cash Flow Association?. The daughter of a minister, she is chairperson for Christian Business and Professional Women in Imperial County, CA. She has been married for 52 years and is the mother of four sons. She has 16 grandchildren and five great grandchildren.A former pastor, Jeff Callender is an author, speaker, and president of a factoring company and a publishing company. He became a Certified Factoring Specialist in January 1994 and soon began purchasing small receivables.

He has been a speaker at Cash Flow conventions since 1995 and has been a monthly columnist for the American Cash Flow Journal? since that time. He is a member of the Million Dollar Club and the recipient of the 2004 ACFA President's Award.Jeff is the author of The Small Factor Series, a collection of four books about factoring. The titles in this series include Factoring Fundamentals, Factoring Small Receivables, Factoring Case Studies, and Unlocking the Cash in Your Company. His newest book is Marketing Tools for Small Factors and Consultants: A Hands-On Guide to Methods that Work. He hosts SmallFactor.com, a web portal with numerous links and resources that are especially helpful for small factors and consultants alike.

He also publishes FactorTips (www.FactorTips.com), a monthly e-zine for small factors and consultants. Further factoring resources are found at DashPointPublishing.com. Jeff's factoring company, Dash Point Financial Services, Inc., factors small accounts and provides consulting services for small factors. When the team finishes developing the initial code, it will be presented to a board of Chapter presidents for review and modification. It will then go before the American Cash Flow Association's executive committee for further review.

Finally, it will be presented to by the membership at the Association's annual convention, Cash Flow 2005, in San Francisco this May, for adoption..

It appears as if the savvy ideas for business success and family life and economic issues are spreading fast. AFRO WAHM" is a combination of acronyms, which stand for African (referring to African American) Work-At-Home-Mom. AFROWAHM.Com take ordinary business ideas and put a creative spin to capture niche markets. For example, taking a regular administrative nine to five job and showing moms how to create a virtual assistant service from home. In an innovate sort of way, we show moms how to make money by starting businesses they love stated Cataunya Harris, Founder/ President AFROWAHM.Com.????Harris went on to note that most small businesses never even make it pass the second year.

AFROWAHM.Com teach moms how to gather due diligence before investing time or money. Therefore, strengthening ability to quickly save money and make informed decisions to succeed. In addition, the creative web blog has a monthly free newsletter dedicated to finding work from home. To register and become a member of the Afro WAHM network please go to: www.afrowahm.com ..

Merchants spend hundreds of thousands to millions of dollars in advertising, that very rarely results in a sale. Seen all the commercials on Television? Do you think everyone who see it will buy the product? Of course not!3. Merchants love affiliate programs because they are able to pay you only if a sale is made. And because this advertising is a guaranteed sale for them, they are able to pay you very well, usually between 10-30%. They are happy to do so because the sale has already been made.4.

Since we are still in the early years of affiliate marketing, there is a large shortage of affiliates. There will be many people who sign up to become an affiliate, but either do not have the skills or the time to become very successful. They will then blow off future opportunities simply because they failed with one affiliate merchant.I will list a few of my favorite affiliate programs near the end of this article, but if you want to know exactly how affiliate programs work and need a basic manual complete with sample listings for advertising, visit the Internet Cash System.My favorite affiliate programs:1. Progressive Health.2. Zenmed Affiliate Program.3.

Quality Generics.For a listing of many more, visit my Affiliate Directory..

There's ID tags for your shoes, wrists, etc. These are great because they allow the runner to be identifiable if the unexpected occurs. The benefit with shoewallets is that not only do they carry ID, but also cash and keys while you're on the go. s h o e w a l l e t . c o m sells shoewallets in black or navy blue (new colors coming soon!) with the option of adding a customized, laminated ID card to the order for an additional $4.00.

s h o e w a l l e t . c o m is continuing to build it's relationships with journalists, web sites, businesses, government organizations and periodicals to help get the word out on the value and importance of carrying ID. "We want to teach people to be proactive, rather than reactive about the importance of carrying ID at all times," Tim later mentioned. In addition, s h o e w a l l e t . c o m is allying itself with parents and schools across the globe too.

Kids are often guilty of leaving the house to play down the street without carrying any identification. With s h o e w a l l e t . c o m, they not only have a place to carry their ID, but also cash in case of an emergency. Ideas or suggestions about promoting the importance of carrying ID? We welcome all comments. Feel free to contact us at e-mail protected from spam bots..

Other Pro League Cash Promotions: In addition to the Halo2 play which begins in November, Team Compete announced four (4) other Leagues designed to get players active in the TCPL immediately and to increase their understanding of the power and features contained in the TCPL Pro League service. Each mini-league will run for 5 weeks and offer a $1,000 cash prize pool for the to 25% of the finishers to spur interest and encourage participation. These leagues will support Ubisoft's Black Arrow and GRIT games, the most played games in the popular Tom Clancy series of first person shooter games from Ubisoft. There is no entry fee for these leagues which are open to all TCPL registered members.These leagues are specifically structured as promotional incentives to spur creation of new Black Arrow and Ghost Recon teams in early October and to give the TCPL members hands on experience with the new TCPL software officially launched in late September. International Support at Launch: One of the leagues will be a Black Arrow League for UK/European gamers enabling them to play in their own time zones and under any specific rule sets that best meet their local needs.

Coordination of the TCEurope Leagues will be handled by the TC Admin and staff based in the UK with more specific league details announced in the next week. "There's no hidden agenda here", said the Veeg, founder of Team Compete. "We're putting our money where our mouth is to promote the TCPL league system to our members and to generate a little buzz in the community. This is something entirely new and never before attempted and we need to help users understand the capabilities in any way we can. Getting them hands on with the league system is the best way we can facilitate their learning" These kick off leagues, and all leagues in the TCPL will promote fair play and sportsmanship and serve as a shakedown cruise for the new TCPL software system recently launched by Team Compete.

He continued by saying, "We feel that by getting the players USING the system and all its features early and intensely, we have the best chance of them truly grasping the overwhelming power and capability that has been created for them. And what better incentive than money these days?""We've announced a combined cash prize package of over $32,000 for both the Pro League and the Halo2 Open League competitions at Team Compete. No other site is even looking at this scale of player benefits?.which has been one of our founding principles and one we will continue to enhance as we grow as well", said VanGelder.The leagues are open to all registered TCPL members and teams. Between October 1 and 13, teams can enter the leagues which will fill on a first serve basis. Competitive play between October 15 and November 15 will culminate in the playoffs crowning a winner the weekend before Thanksgiving.

For additional information contact: Justin Snyder, Director Marketing Communications, Team Compete. e-mail protected from spam bots. Team Compete, TCPL, TC, Team Compete Professional League, Team Compete Open League and TC2 are trademarks and copyrights owned by Team Compete, LLC. Xbox and Xbox Live are trade names belonging to Microsoft Corporation. Game titles are copyrighted by their respective publishers.About Team CompeteTeam Compete is a privately held Texas LLC founded in 2003 specifically to bring Xbox Live team competition to the console gaming community.

Team Compete is focused exclusively on Microsoft Xbox platform games and provides innovative challenging, competition, seasons and team creation/management tools to member gamers. The Team Compete Professional League (TCPL) launched in September 2004 and provides private league play in 12 xbox live enabled games with competition aligned in 6 tiers of skill level and proven team play. All Team Compete software applications are proprietary and have been written specifically to meet the TEAM and COMPETITION needs of the console gamers. The community consists of 13-36 year old gamers, mostly male who bring over 15 million page views to the web site monthly. Gamers come to Team Compete for (a) Competition, (b) Social forums and chat tools are quite active, (c) News and Reviews, and (d) Commerce buying and selling games, accessories and other consumer goods.

The company currently has over 140,000 members competing in over 36,000 teams. Contact Information: Justin SnyderTeam Compete562-618-2194281-296-6900 FAXhttp://www.teamcompete.com/.

"Everyone's story is different. Some people achieve MDC status working full-time; others make it working part-time. Some get there on the strength of a single deal; others take more time because they are working smaller deals.??? "The two things that are the same in every case, however, is that these people set MDC as one of their strategic goals and they persevere, refusing to accept failure. These are truly the best and brightest of our graduates," Rewey added.???The Million Dollar Club was established in 1995 at ACFA's annual convention, held that year in Atlanta. Since then, between 10 and 25 cash-flow consultants have been inducted into the MDC each year.???Members of the club benefit by being named lifetime gold members to the Association.

With that designation, they receive free registration for themselves and a guest to all conventions; a free subscription to the American Cash Flow Journal?, the Association's monthly publication; free access to member advisors for life; and a gourmet banquet held in their honor each year at the convention.About American Cash Flow???The cash flow industry is the fastest growing area of the financial services arena today. The American Cash Flow Institute?, founded in 1988, provides an effective training program that prepares people to become consultants in the cash flow industry. The training offers comprehensive programs through which enrollees get practical, industry-wide information, taught by practicing industry professionals. ACFI remains committed to its graduates' success by providing ongoing support through membership in the American Cash Flow Association.???The American Cash Flow Association manages the infrastructure of the cash flow industry. It comprises a staff of industry experts who provide support services and products to its membership..

These loans are short-term loans that require no collateral. The borrower is required to sign a post dated cheque as a guarantee of repayment. The cheque holding the principal loan amount and other financial charges is kept with the lender till the next payday of the borrower. Once the loan conditions are authenticated the borrower receives the loan amount from the lender or it is directly transferred to his bank account.

Although, bad credit cash payday loans carry a high rate of interest but this burden is not felt by the borrower as these loans solve the urgent financial crisis. In other words, the loan if repaid on time, with other financial charges is not an irrational charge to help you out in case of a financial emergency.

One can use bad credit cash payday loans for any purpose.

You can use it to pay off your electricity bill, medical bill, grocery bill etc.

The borrower before applying for bad credit cash payday loans must have knowledge of his credit score. Knowing the credit score will help him get correct rates.

If you take steps to repair your credit score, you can surely get bad credit cash payday loans at a reasonable rate of interest. First of all, obtain your credit report from a credit rating agency and check it for accuracy. Any unsolicited information should be immediately reported and removed. Try to make timely payments on your debts.

These are a few measures that will help you to improve your credit score and get the loan easily at favorable terms.

The most common method to apply for bad credit cash payday loans is to approach a local bank or financial institution. This method is regarded as conventional and the borrower is likely to face many hurdles in his way.

Online application is the easiest way to apply for bad credit cash payday loans. The borrower can access infinite lenders through the internet. Just fill in the online loan application form and secure a fine loan deal.

When you need cash urgently for any reason, apply for bad credit cash payday loans.

You can avail the loan easily and make the repayment reasonably on your next payday..

Transportation strikes, for example, could delay shipments and therefore payments. An industry (or economy) slowdown will often result in customers stretching out their payables.

2. How can you cope? If cash on hand is not robust, let the special discounts go. It's usually more cost-effective to pass on a discount than to borrow to overcome a shortfall. Keep up on the news.

If you hear about any threatened strikes and/or disruptions to your supply chain, make sure you have a back-up position. Even if temporarily more expensive, it can save your business by showing your customers your reliability and versatility in challenging times. If your customers are in industries facing hard economic times, keep closer tabs on your credit policies and be active in collections. If necessary, tighten credit terms, but use discretion. Being firm but supportive to your customers will go a long way in keeping them in the fold while still giving you a better cash flow.

Defer purchases and/or negotiate extended payments if cash gets short.

Most importantly, document both the signals of problems and your solutions. That way, if the signals happen again, you can refer to prior successful action as a first possible solution.

Imagine possible, but normally unpredictable cash flow challenges. Some problems can't be anticipated, so "what if" scenarios can be created. You don't have to get elaborate, but you can ask what would happen if there were a flood, or, as we've experienced more recently, a devastating hurricane. What then? Other problems, such as "product sabotage" can only be dealt with as they occur.

Constructing possible scenarios to reduce risks associated with "unforeseeable" problems is an important management tool. Learn from, and document, each experience, or you may have to repeat it.

Second, watch sales. Any prolonged (and "prolonged" computes differently for each company and industry) drop in sales without a comparable -- and simultaneously emerging -- reduction in expenses is a prescription for trouble. Of course, there is at usually some lag between sales changes and a compensating contraction in expenses, but early diagnosis can reduce the negative impacts significantly. Once a changing trend has been identified, act promptly or the impact of the lag will be more severe.

Third, review the budget.

If short-term borrowing is regularly needed to meet normal operating costs, the unavailability of such loans or a sudden change in operating expense could be devastating.

If ongoing operations cannot be supported by sales, either more sales are needed, fewer expenses must be incurred or a combination of the two is in order. While this sounds very simple, all too many companies hesitate "in hopeful anticipation." If remedies are not introduced on a timely basis, a severe cash crunch could follow.

Fourth, keep a close eye on new product development. In many companies, R&D expenditures for new products are often allowed far greater variance from projected budgets than normal expenditures. After all, when you create something new, it is really hard to accurately predict costs -- or turnaround time -- at the outset.

Failure to keep these costs, and time commitments, within bounds or monitor their continuing impact and cost/benefit can lead to continued funding of projects well beyond when they should be cut off. Overall cash flow can be easily drained into a seemingly bottomless pit, and often an entire company is jeopardized by one errant project.

Fifth, beware of pet projects.

A pet project is any organizational activity undertaken for ego value rather than consistency with the organization's mission and profit targets. Pet projects, whether new ventures or ongoing cost/profit centers, can often lead to cash flow problems. All organizations have pet projects from time to time. Failure to recognize and deal with a pet project when a cash crunch looms has been the death knell for many companies.

Many cash flow challenges have such simple origins. Often it's simply a matter of days, or weeks and they can creep up on you.

And the daily grind can cloud your vision, encourages false hope or distract you just long enough for problems to take hold. You can learn from past and/or current cash shortages. You can be watchful that sales, budget and R&D costs stay in line. You can keep a lid on pet projects. In an increasingly competitive world, you need to be alert.
.

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