Fair, Isaac & Co. and the credit bureaus do not reveal how these scores are computed. The Federal Trade Commission has ruled this to be acceptable.Isn't it interesting that the score most important in our financial lives, our consumer credit score does not even contain full disclosure? As stated above the Federal Trade Commission has ruled that it is ok for Fair Isaac & Co not to disclose the algorithms used in this process, but what about consumer rights. While it is important to understand what a FICO score is, it is not the main issue of this paper, insurance rates are. So where is the connection? All the public knows is that Fair Isaac tells us there is a high correlation between people with bad credit and high risk drivers.

This notion is insane and from what I can see from this black box approach, there is no real causation between the two. This type of reasoning is similar to convicting a person of something before they have even committed a crime. For instance, let's say I do a study and that study shows there is a high correlation between criminals and people with bad credit. Is this to say that just because you have bad credit you are more likely to commit a crime and therefore you should be profiled or perhaps locked up because you are a risk to society?This system is discriminating against minorities, disabled and in my case college students among others. Fair Isaac & Co claims that they cannot show the sophisticated algorithms they use to calculate these correlations and scores because they fear that they would be giving up valuable proprietary information that was very costly to develop and maintain.

What about the cost to consumer's who may be paying higher rates or in worse cases even denied insurance based on these practices. The Equal Credit Opportunity Act forbids creditors from considering race, sex, marital status, national origin, and religion, but if we don't even know how these companies are calculating these scores, how in the world could we possibly know whether or not they are discriminating. This smoke and mirror approach is what many government agencies do to subtly discriminate and extort money from the American. What about extortion? As I reflect on this topic extortion comes to mind. Webster defines extortion as to "obtain by force or compulsion." By using such unfounded tactics consumers are forced into paying the higher rates.

First of all, 90% of all insurance companies use this procedure; secondly in the interest of society legislation requires all Americans with cars to have car insurance. Living in a country where it is virtually impossible to live without a car doesn't this present some force to pay the rates? Also, lets say you cannot afford to buy a car with cash, in which case you could obtain liability insurance alone and save quite a lot of money; but instead you take out a loan, the bank will require you to obtain full coverage auto insurance to cover them until you pay off the loan. While this case may not represent an extreme case of extortion it does give reason to ponder the connection.Insurance companies tout themselves as representing peace of mind, protection and security, but at what cost. Over the past 10 years, I have spent roughly 20,000 dollars in car insurance, what have I claimed? Easily less than half and I totaled a car. Is insurance just a form of legalized gambling protected by government? The McCarran-Ferguson Act of 1944 exempts the insurance industry from antitrust laws, so here we are again without a choice; collusion is the rule not competition.

Where are the ethics of lawmakers? Many states are screaming about this controversial issue and some states such as California have had some success, but with protection from top government what can consumers do? I have personally written the Governor of Pennsylvania about the subject, one of my main questions was; "I am a concerned citizen. Recently I noticed my car insurance rates increasing at a substantial rate. I investigated the situation only to find out that my credit rating was making the difference, not my driving record."The response I received from the Department of Insurance follows:This letter is in reponse to your complaint filed with the Pennsylvania Insurance Dpartment through Governor Edward G. Rendell's correspondence office regarding the use of credit as an underwriting tool for automobile insurance in Pennsylvania.I have read through your concerns and it appears that you are questioning the underwriting of automobile insurance. Specifically, the use of credit in determining eligibility.?Many different factors go into the underwriting of an insurance policy, such as type of vehicle, drivers, location, etc.

and most recently credit history. Pennsylvania law does not prohibit an insurance company fromusing credit as an underwriting tool so long as it is done within the first 60 days of writing a policy. Under the law, an insurance company is granted a 60 day window from the inception of a policy to determine whether or not the policy fits into the company's guidelines.In your letter, you stated credit scoring in part of the rating structure and presumable must be approved by the Insurance Department. Actually, credit scoring is part of a company's underwriting guidelines and the Dapartment only regulates underwriting guideline to the extent they are not discriminatory.Also, Federal law?under the Fair Credit Reporting Act allows credit information to be used for underwriting financial and insurance transactions.Sincerely yours,Debra L. RoadcapConsumer Service InvestigatorThe response I received is hardly what I would call an answer, of course Federal Law preempts state law and the Fair Credit Reporting Act allows for use of such information, but the real question is why? An answer to this question has still not been received.

I believe this is a highly unethical practice in which insurance companies are being given free rule to take advantage of low-income families, single mothers, disabled, minorities and others. If the government wants to do the right thing they should judge consumers on what they have done individually, not what scientist's hypothesis they might do based on the history of others..

Our insurance company would only cover the percentage that was actually damaged. (It's anyone's guess as to how we were supposed to replace only 25 percent of a roof ?) We now carry insurance in case of a total loss but plan on having enough cash reserve to cover mid-size emergencies. We now no longer feel that we can completely rely on our homeowners insurance." --TAPThe absolute worst time to discover that your home is underinsured is when you need that insurance to help you recover from a disaster. My guide will help you get the coverage you need. The Armchair Millionaire's Guide to Homeowners Insurance: Get enough to cover your house.

Homeowners insurance is meant to cover the cost of rebuilding your home should it be destroyed. That's simple enough, but the problem is that many homeowners fail to correctly estimate what it would actually cost to rebuild. If you have $200,000 of coverage, but it actually costs $250,000 to rebuild your house, you'll have to come up with that extra 50 grand yourself. To make sure you're fully covered, work with an agent who is familiar with building costs in your area and will take into account any special features your home has. Also, consider buying guaranteed replacement cost coverage, which will pay whatever it costs to rebuild your home.

(Of course, you can expect to pay more for this coverage.)Get enough to cover your possessions. Policies insure your belongings either for actual cash value or replacement cost. There's a huge difference here, so pay attention. Actual cash value is the current value of the item lost, while replacement value is what it would cost to replace the item with a new one. So unless you want to replace your stuff by shopping at garage sales, get a replacement cost policy.

And if you have any expensive items such as jewelry or furs, check to make sure they're all covered. If not, you may need to obtain additional coverage for Grandma's 19th century silver tea service. Get enough to cover your liability. Homeowner's policies also typically provide coverage to defend you against lawsuits brought by others if you, your family or your pets are accused of causing injury or property damage. Many policies provide liability coverage in the range of $100,000 to $300,000, but higher amounts are available?and it today's litigious society, you probably need more.

Get regular reviews. Don't think you can get enough homeowner's insurance once and then forget about it. Review your policy on a regular basis to determine if you should increase to account for inflation or increased building costs. And if you add on to your house or do any remodeling, you'll absolutely need to increase your coverage. THE BOTTOM LINE: When it comes to protecting your most important asset, you actually can buy peace of mind.

But it's up to you to monitor your homeowner's coverage and make sure it will come through for you when the chips are down. THE ARMCHAIR MILLIONAIRE WEEKLY SURVEY: When it comes to money, how much is really enough? Log on to www.armchairmillionaire.com and let us know.Lewis Schiff is a contributor to CNNfnMoney.com, the Web sites for CNN and Money Magazine. His newest report, "How to Know When You Are Rich," is now available at www.armchairmillionaire.com.CONTACT INFORMATION:Lewis SchiffArmchair Millionaire877-833-2823http://www.armchairmillionaire.com.

Quarterman is president of InternetPerils Inc, the leading provider of automated Internet Business Risk Management products for government, education, insurers, banks, ISPs, and e-Commerce. The Internet2 conference is focused on innovative applications and the underlying high-performance network infrastructures that enable them. Some technical solutions, including self-monitoring and self protecting networks, intrusion detection, identity management, and access control have been proposed to stem the rising tide of Internet security problems that threaten the burgeoning use of the Internet in academia, government, and commerce.Quarterman argues that while technical solutions are necessary, they will never be sufficient. Recent events--- including the Akamai DNS outage, the IE scob exploit, and Hurricane Ivan severing the IP connection to the Cayman Islands---all demonstrate that such events are beyond the control of both the enterprise and ISPs. They might as well be Acts of God, or what insurers call "force majeure" events.

Insurance is the traditional solution for shifting the risk of such events onto financial partners, and insurance is one of a range of risk management strategies whose time has come for the Internet.According to Quarterman, "Most technical security measures are good, but each has its limitations. Intrusion detection requires predicting exploits and does nothing about increased network traffic from organizations that are not using intrusion detection. Authentication and authorization do nothing about slowdowns. Autonomic networks may be able to monitor themselves, but how do we know their monitoring features have not been compromised, and, if they have self-healing capabilities, how does one guarantee those are not used against the network?''Technical security measures will increase, Quarterman believes. "The development and implementation of insurance and other risk management strategies will lead to more and better use of technical security measures, because insurers will require it, just as they require sprinkler systems for fire insurance.''About InternetPerils IncFormed in 2003, InternetPerils Inc.

provides automated products for Internet Business Risk Management. For more information, contact InternetPerils http://www.internetperils.comAbout John S. Quartermanhttp://riskman.typepad.com/about.htmlSubscribe to Perilocity (John's Security Blog)http://risk.man.typepad.com/perilocityABOUT INTERNET2http://www.internet2.edu/aboutABOUT FALL CONFERENCEhttp://events.internet2.edu/2004/fall-mmABOUT THE PANELhttp://events.internet2.edu/2004/fall-mm/sessionDetails.cfm?session=1624&event=219.

Non refundable.

Tax Service Fee
In some areas a charge of approximately $75 by a tax service
company to verify to lender that taxes are actually being
paid.

Assumption Fee
Fee of approximately $250 up to 1% of the loan balance charged
by existing lender for permission to assume existing loan.

Pest Inspection Fee
A fee of $100 - $175 is charged for inspecting property for
wood destroying organisms (termites). Customary for the seller
to pay.

Optional Fees
At buyer's option: property inspections that cover foundation,
electrical, plumbing and overall construction at a cost of
$300-$400. Roof inspections cost $75-$125. Geological reports
about $100.

Septic $200-$400. Radon $50-$100. Asbestos
$75-$125.

Title Insurance
Cost determined by a rate chart and is based on the loan
amount.

City Transfer Tax
Imposed within the corporate limits of some cities.
The VA does not allow the veteran buyer to pay any portion of
this cost.

Miscellaneous Costs & Fees
$150 should cover notary, recording documents, endorsements, etc.

Hazard/Fire Insurance Reserve
Two month's premium is usually collected for the impound account
if required. Paid by buyer.

Prepaid Interest
Interest must be paid from close of escrow to 30 days prior to
the first regular mortgage payment.

Mortgage Insurance
Required on all conventional loans greater than 80%.
Cost ranges from about 1/2% to 1% per year. 14 months premium is
collected in advance. For benefit of lender in case of default.

Tax Impounds
When new loan is going to have an impound account, lender will
require from 2-10 months taxes be deposited in impound account.
If taxes are prorated, buyer's total charge for taxes should
equal about six month's taxes.

Escrow Fee
$750-$2500, depending on the sales price. Can be paid by buyer,
seller or split.

Everything is negotiable.

We have listed examples for typical closing cost. Closing
procedures and costs vary from area to area.

Your real estate agent and loan agent can provide estimated
closing costs. Don't neglect to add them to all the other
costs of buying real estate when determining the affordability
of a property.
.

What truly motivates insurance companies to take this initiative in warning doctors to be careful?The bottom line is that the FDA has issued Black Box Warnings on all highly marketable Antidepressants after conducting a long investigation. Even with insurmountable evidence to establish their link to suicide this investigation dragged on. In a twisted and at times almost unbelievable fashion, Congress themselves had to step in to demand that the FDA disclose its data regarding certain drugs. Frustrating, and at times even ludicrous, this investigation revealed not only a clear definitive link to suicide by these drugs, but the FDA's and drug industries desperate attempts to hide, cover-up, conceal, distort (call it what you may) clinical trial data.In light of all these facts, it is little wonder that insurance companies are gearing up to minimize loss. Their logic in warning doctors to err on the side of caution when prescribing antidepressants is used in an attempt to save them billions in potential lawsuits.

Take for example, in the past, if a member of your family committed suicide and was taking an antidepressant or withdrawing from an antidepressant, your legal recourse, and protections under insurance is difficult at best and more often than not, nonexistent. Now up the stakes, by throwing the fact that these drugs have black box warnings on them, clearly spelling out their potential for harm. Insurance companies are between a rock and a hard place, under the gun to justify not paying claims to potential victims of the antidepressant suicide fallout. An industry that has previously been in the driver's seat, one that ultimately has had the final say in denying suicide victims claims, no longer has an unobstructed path to tread down. It treads today on shaky ground; no longer sure that denying death claims due to suicide, when antidepressants are involved, is in its best interest.

Accountability measures need to be enacted that would ensure that the families of victims of this antidepressant suicide crisis receive immediate protection and justice in the form of financial compensation. Several flaws in a questionable system stress the importance of accountability here where it has been previously lacking. They are as follows:? Proper and full informed consent needs to be provided to the patient in writing prior to any psychiatric "treatment". This entails revealing to the potential patient the risk of suicide when prescribing an antidepressant. ? Toxicity testing on suicide victims is not mandated and needs to be required.

Victim's families are not provided with the information on the importance of toxicity screening and are not given the actual procedure on how to request testing at the time of death.? Suicides have been and are still routinely blamed on a person's mental state or a person's psychiatric diagnosis, rather than on the psychiatric "treatment" that the person had received prior to his death. This occurs routinely without scientific backing or verification of it being a fact. In this way, drug harm, is often overlooked or disregarded. ? Overall, suicides are rarely investigated on a national level. This prevents critical information from being gathered and used to factor into determining possible links or causes of suicide.

Statistics need to be obtained.? Under "Right to Treatment", insurance companies have been required to cover dangerous and risky psychiatric "treatment" even when the diagnosis itself does not withstand evidence-based criteria. Simply put, a person is diagnosed with a psychiatric disorder based on lists of subjective behaviors rather than on confirming, objective blood tests or brain scans. The overall picture is one that shows the drug industry, and the psychiatric Industry conveniently not being held accountable. Both groups arm themselves with strong lobbying groups in Washington whose sole purpose is to grease the palms of our political representatives. In the midst of all this confusion, insurance companies are left with half-hearted attempts at restoring order in a disordered and chaotic system.

For more information on the risks of suicide and antidepressants and the recent "Black Box Warnings" on antidepressants, please visit us at www.ablechild.org..

She also mentioned that many married women have better credit score than their husbands, even if they do not make as much. When another show guest, Dan Contreras talked about financial planning, he stressed using a professional. ?Don't rely on hearsay, get some real understanding about your situation." And Linda Hollander the author or Bags to Riches says "Mentors are the fast track to success". Find someone who has reached the same financial goals you want to reach and then do what they did. This simple technique works even if your goals are modest.

While everyone's situation is different, I really just want to motivate you to do something to have a positive effect on your finances. Here are a few simple things you can do that will start the ball rolling.1. Get a copy of your credit report and check it for errors( free if you have been turned down for credit)2. Look at your savings plan, are you on track, do you need to increase or decrease the amounts you are trying to save?3. Look for your insurance policies, be able to get them immediately, know exactly where they are.4.

Start some financial education with your children. Start a student saving account.5. Start planning next year's financial goals. What do you want to change, what goals do you want to accomplish, what new accounts do you need to open and which accounts should be closed.If you handle your finances you'll be in The Wright Place!.

It turns out he's got some hang-up's regarding your lost income. Well, here are some things you need to know:Lost wages are one of the most important element's of your damages. Listen to me carefully when I say, "You should not think about the days you missed from work as Lost Time and Earnings. It's not Lost Time and Earnings - - it's Lost Earning Capacity"You ask, "What?s Lost Earning Capacity all about? I thought I could only collect for my Lost Income?" The answer to that is, "In many situations you can claim lost income EVEN IF YOU HAVEN'T LOST ONE SINGLE PENNY ". For example, this can happen when your salary is paid because you've elected to apply for the sick leave that?s due you, or because of an Accident and Health Policy available for you to take advantage of, or some other such arrangement.In most instances - - even if you were paid while out of work - - you should still get that money routinely identified as Lost Wages.

Why? Because that's your Lost Earning Capacity. Your Lost Earning Capacity is what's called a Compensatory Damage. Don't let Strong swindle you out of that Compensatory Damage. Even if you've received an income, in some other way, you're still entitled to it. Strong will do everything he can to take advantage of you, especially when it comes to getting paid for your Lost Earning Capacity.

During the course of every settlement negotiation he gets involved in, he?ll try that tactic on for size, and it's mind-boggling how often he gets away with it.The typical statement made at that point, by the unsuspecting claimant is, "Hey, I understand I'm to be paid for my lost wages."Strong answers, "You collected $200.00 a week from your Accident and Health Policy didn't you?""Yeah, but my average weekly income last year was $275.00 a week.""Okay", I. M. Strong flashes a well practiced, winning smile, that tells you he's a fair insurance claim adjuster, when in his black heart, he knows he's not! "We'll pay you that $75.00 a week difference. Let's see, you were laid up and unable to work for 5 weeks. 5 times $75.00 is $375.00.

Don't worry my friend, I'll see to it you're paid that $375.00.""Wow!" you think, "that's terrific !." You're thrilled to death with this great turn of events. But what you don't know is that the $200.00 a week you've received from your Accident and Health Policy has absolutely nothing to do with your lost income. The bottom line is that Smart has just cheated you out of one thousand dollars! And, worse than that, the $275.00 a week income you lost (for a total of $1,375.00) would have (in a court of law) given your case $4,000.00 to $5,000.00 more value in settlement dollars. DOCUMENTING LOST INCOME: Ask the company you work for to write a letter on their official stationary declaring your gross salary income and the days you lost from work.GROSS PAY VS. NET PAY: You should collect the "gross" wage's you lost, not the "net".

TOTAL DISABILITY and/or PARTIAL DISABILITY: For every week of Total Disability (a fact which must be stated in your doctors Final Medical Report) you should use your gross weekly income - - even if you were paid! (For every week of Partial Disability your doctor states in that Final Medical Report, you have the right to claim a substantial percentage of your income, during that period, even if you didn't lose any).Because the following five points give value to your claim be ready to talk with Smart about and, wherever possible, prove:(1) If your work demands heavy labor and/or lifting. (2) If you lost any vacation time or sick leave. (3) If there was any possible loss of money you could have earned in the future - - either with your company or maybe other income you've got bubbling and boiling on the side. (4) If you had to forgo any bonuses. (5) If you lost an opportunity that would have led to a better job.If any of the above five points are true than your claim is worth more money!THE CRUCIAL MEDICAL REPORT: The Granite Mountain Insurance Company and Adjuster I.

M. Strong know that the longer your recovery period, the greater your "pain and suffering", therefore the higher the settlement value of your bodily injury claim. Your Chiropractor or Attending Physician must also note this in his Final Medical Report. Tell him to state exactly how long it will be, before you can get back to routine activities like golf, hunting, fishing and/or rockin' and rollin' with your lady friends.As long as you have problems keep right on going back to see your doctor, again and again, even if it drives the poor bugger nuts! Do this because the fact that your records show a visit to him, four, eight, or twelve weeks after the accident, proves your injury needed constant attention, therefore you were unable to work. Also because, when you visit your doctor and tell him there's no let-up of your pain, discomfort, stiffness or immobility - - those continuing problems must be written into the Medical Report he'll provide for you when you've finished treatment.

That's the one you'll hand to Adjuster Smart when the two of you begin to talk turkey. As he reads it you'll watch him frown, then blanch as that cocky smile disappears from his face. When you see him do that you?ll know, "ya got him"!DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever; NOR does he purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.Dan Badyga's latest book Auto Accident Personal Injury Insurance Claim (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com or visit your favorite bookstore.Copyright (c) 2003 by Daniel G.

Baldyga All Rights Reserved.

While GDL programs allow the teen driver to gain experience in a family vehicle with a parent, other drivers are not aware who is behind the wheel of this vehicle.

Notifying other drivers will give them the ability to consider choices when approaching a vehicle operated by a teen driver. We can increase traffic safety and awareness. Car magnets have become a viable possibility as the notification tool. Easy to put on and easy to take off! No hassles or concerns about permanent bumper stickers that may not come off.

Auto Safety Magnets has a focus strictly on car safety for teen drivers, their parents and driving schools. Help keep the roads safe.

]]> http://www.myautoinsuranceworld.com/Are_Astrologers_just_plain_stupid%3F/info/38993 Are http://www.myautoinsuranceworld.com/Are_Astrologers_just_plain_stupid%3F/info/38993 We live at an interesting time of scientific knowledge. Scientists say that you cannot gain an advantage over the Casino, since the odds are stacked against you. Scientists also say that Astrology does not seem feasible, since it does not fit in with known scientific laws. However, it is estimated that approximately 100 million people in the world either follow Astrology or see that there is some truth in it. Are all these people gullible or stupid? Do people just follow something in their millions, century after century, if there is nothing there? Are humans really this fickle, or is it because each of them has had personal experiences or discoveries that have made them see that something very real and valid is going on? Avoid being too fickle yourself when answering this question! Why this is an interesting time is because of this disparity in scientific and common knowledge.

One day, probably in the not-too-distant future, when science has begun to unravel the causes and effects of Astrology in more detail, several areas of life will change form or lose their appeal. Can you imagine a world where Insurance companies would work out your motor vehicle premiums based on how accident-prone your birth-chart was? Or where police would be able to short-list you with regards to having committed a crime on a specific date? Or where employers would first look at your Astrological compatibility with the existing staff-members? Or where mothers would choose the time of their child's Caesarian birth so as to avoid a Scorpio moon, a Saturn opposition or whatever? Can you imagine a world of Astrological discrimination? Are you beginning to appreciate why Astrology is known as 'secret' or 'hidden' knowledge? Why it is 'protected'? Why you can argue with someone or spell it out to them until you are blue in the face, and they still won't see it? They are not thick. They are just excluded. Astrology is a gift. It 'forces open' your Third Eye.

Certain aspects in a person's natal chart, especially to or from Mercury and Uranus, enable (or permit) them to see its truth. For the rest, it is simply blocked. They just don't get it, or are not interested. They cannot, or may not, take advantage of the influences affecting their lives. Without a doubt, there are times which are favorable for one to undertake various tasks or activities, and times when it is extremely unadvisable to undertake these same activities.

The sterile world of scientists, insurance companies, criminal investigators, psychiatrists, and... yes, casinos, is still mostly unaware of these hugely deterministic influences that affect our lives and fortunes. Thank goodness! Would you rather be one of the first people to take advantage of a gold rush, or only get in when the millions in their hordes were frantically trying to make their fortunes? Be grateful for your your knowledge, your 'gift', and things as they stand. Take advantage of esoteric knowledge, before it becomes common knowledge. http://www.luckydays.tv.

]]> http://www.myautoinsuranceworld.com/The_Million_Dollar_Marketing_System_Takes_the_Financial_and_Insurance_Industries_by_Storm/info/27071 System http://www.myautoinsuranceworld.com/The_Million_Dollar_Marketing_System_Takes_the_Financial_and_Insurance_Industries_by_Storm/info/27071 In 2002, three professionals from different disciplines started working together, and found the magic system for making over a million dollars in 1 year. Now, in 2004, they are sharing their experience with other top advisors around the country.Don Quante, Certified Senior Advisor; Rudy Beck, Elder Law Attorney; and nationally recognized long-term care expert Valerie VanBooven RN, BSN, PGCM created the Million Dollar Marketing System. Based on cross-marketing techniques, seminars, and a team approach, these entrepreneurs have hit the mark with their new marketing system."We have bought other systems, and tried them all. We tested their information vs. ours, and the difference is remarkable.

Our new Million Dollar Marketing System beats the rest hands down," states Quante.Many financial and insurance producers are at a loss due to the new no-call lists, and other restrictions. The Million Dollar Marketing System works around that effortlessly."Some of our marketing efforts have lead to national print and media coverage. Our real goal, however, is to provide agents and advisors with the tools they need to really be successful. Anyone can follow the system and become the market leader in their community," Valerie VanBooven remarks.The Million Dollar Marketing System is available to financial advisors, elder law attorneys, and licensed insurance agents. The system itself includes:- Seminar System- PowerPoint Presentation, forms, and planning strategy.

- Actual newspaper ads and direct mail pieces for you to modify to meet your needs. - Cross-marketing techniques that drive LEADS to you every single day. - Free Special Reports to share with prospects. - Multi-disciplinary team building for added impact and value. - Access to some of the top speakers in the country.

- How to promote your business on the radio. - Press release writing.- AWPA Membership at Gold Level - AWPA Advanced Website Access - First Call Program Customized Brochures and Access - Gateway Seniors Association Long-Term Care Insurance Discounts from 5-10% for all clients.- Proprietary Medicaid Compliant Annuities available only through AWPA. - Contracting for Medicaid Compliant Annuities, and Long-Term Care Insurance through AWPA. - Back Office Support- including website access and quotes on Long-Term Care Insurance and Annuities. - Forms and applications for all companies.

- One FREE Copy of "Aging Answers" (as seen on NBC) - Aging Answers Book Orders at 30% discount. - E-newsletter subscription FREE. - Invitation to members only teleconferences. - Invitations sent via email - Toll Free Hotline Set Up To find out more about the Million Dollar Marketing System, visit them online at www.milliondollaradvisor.com ..

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