LIMRA attendees are insurance and financial services managers and practitioners in the areas of marketing, marketing research, public relations, advertising, corporate communications, sales support and marketing services.

Fasching and Winn will discuss how complex offerings marketed through intermediaries can make new product development particularly challenging for insurance companies. They will present strategies for addressing those challenges by understanding customers' unmet needs before the competition does. The presentation will include valuable case studies that illustrate the new product development journey.

Case studies will include "Gen X and Gen Y Decision-Making: An Immersive Research Case Story," "Insights from the Powerful Few: B2B Short-Term Communities," and "How to Accelerate Sales Conversations: A Simulated Conversations Approach." Each detailed case study will present real-world challenges, along with solutions that attendees can implement in their own organizations.

Learn more at: http://www.limra.com/Events/eventdetail.aspx?id=1126 .

About CMI:

CMI is a full-service marketing research company that combines comprehensive market research expertise with marketing insight to provide clients with a deep understanding of their customers by identifying the choices they make and why. Since 1989, CMI has delivered unique solutions to uncover opportunities, optimize marketing strategies, and improve performance for clients in consumer and B2B markets. CMI's experienced team of market research consultants leverages a wide range of qualitative and quantitative methods and technologies to translate research into insights and insights into actions. CMI serves primarily Fortune 1000 clients. For more information about CMI, visit http://www.cmiresearch.com .

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

In the forecast, which coincides with his daughter's twentieth birthday, Grandich says, "The greatest blessing in my life, my daughter Tara, is 20 years old today. While witnessing her birth through today has brought only joy, during this period I've also watched my country spiral downward economically, socially and spiritually. Both sides of the political aisle are responsible, and nowhere is that more true than in the grave financial condition we find ourselves in as a nation."

He states, "I have no cabins in West Virginia nor dry food to sell…and I can assure you that what I'm about to state is not good for business. My wonderful daughter, and the sons and daughters (and grandchildren, too) of those who read this, are going to pay an enormous price for decades of over indulgences and total mismanagement by government and individuals. Better days for these generations cannot and will not be possible without severe economic and social pain."

Grandich predicts, "What we have witnessed in Greece and elsewhere is coming to the shores of America…make no mistake about it, the die has been cast and all the political rhetoric and rare actual good political deeds can't prevent the inevitable."

He adds, "The fact is America is bankrupt financially (and well on its way to socially, politically and spiritually, if not there already). The saddest point of this fact is virtually all Americans either don't grasp it or if they do, hope it's only a bad dream and they shall wake up and all shall be well again. While there have been a few brave politicians who have been willing to tell it like it is and even fewer Wall Street types, the ignorance of the nation is not surprising when you look at how other people in countries now already well into the nightmare also lived in denial."

He references what he calls "class warfare" that he sees coming to the U.S., which will pit the 55-and-over generation against younger citizens.

He also notes the importance of how we are quickly approaching a time when over 50 percent of all Americans will be working for the government, so making any great sweeping changes will be nearly impossible.

Finally, he tells what he sees as the poster child for America's addiction to excess: self-storage facilities.

"There's no quick fix but I can tell you we'll know we're finally on the right road to recovery when we see public storage facilities closing versus opening everywhere we go," Grandich says.

He sums up his calamitous conjecture with the statement, "America's only real hope is to do what our Founding Fathers did and return Almighty God back to His rightful place as the true leader of this once great country. No other solution is doable."

To read Grandich's complete commentary, go to http://www.Grandich.com .

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

The panel, which is geared toward loan originators, will feature a lineup of industry experts that features David Battany, director at PennyMac; Sue Woodard, president of the Mortgage Market Guide; Phil Rasori, chief operating officer at Mortgage Capital Trading; and Rob Chrisman, capital markets consultant. The event will be moderated by Jeff Tarbell, vice president of Comstock Mortgage and host of the Talkin' Money show on CBS radio.

Key topics to be discussed include:
* A cloud view of the industry from Rob Chrisman;
* The impact of HARP 2.0;
* Identifying a myriad of new changes with the FHA;
* Effective marketing and database management for 2012;
* How to best compete with the big box banks;
* The future of Fannie Mae;
* Defining loan hedging;
* Why only certain rates get offered (rate shelf).

Session details:
Date: Thursday, April 26, 2012.
Time: 12 p.m. – 4 p.m. Pacific Time.
Location: Arden Hills Resort Club & Spa, Sacramento, Calif.

The Mortgage Insight Conference is sponsored by Comstock Mortgage. For more information, visit www.insightconference.net or call 800-955-6180.

About MCT Trading:

MCT Trading, Inc. is a risk management and advisory services company providing independent analysis, training, hedging strategy and loan sale execution support to clients engaged in the secondary mortgage market. Founded in San Diego, Calif. in May 2001, the company has expanded to include field sales and support offices in Philadelphia, Pa.; Dallas, Texas; Charlotte, N.C.; and San Francisco, Calif. MCT is recognized as a leading provider of mortgage pipeline hedging service and currently supports more than 70 clients on the HALO (Hedging And Loan sales Optimization) Program. For more information, please visit www.mct-trading.com or call (619) 543-5111.

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

Prior to joining 360 Mortgage Group, Berchock was regional sales manager for Clearpoint Funding, senior mortgage originator for Home Town Mortgage, regional sales manager for both Countrywide Home Loans and SunTrust Bank, Southeast regional sales manager for the wholesale and correspondent division of Sovereign Bank, regional sales manager for the retail division of Cendant Mortgage, and vice president and branch manager of the retail division of Philadelphia Mortgage Corporation.

Berchock received his Bachelor of Science degree in business administration from the University of Delaware.

"As a former mortgage originator I was looking for a company that provided outstanding customer service, quick response times, user-friendly technology and a product line that could help me to better serve my clients," says Berchock. "360 Mortgage Group offers all of these."

"Gino has always handled himself with integrity and professionalism," said former SunTrust colleague Jo Kingsman. "He is highly motivated, focused on relationships and service and delivers on what he promises. He can always be counted on giving 100 percent of himself. He's overall a great guy and a pleasure to work with."

About 360 Mortgage Group, LLC:

Established in 2007, 360 Mortgage Group, LLC (http://www.360mtg.com) is a privately owned mortgage bank that has successfully utilized its high-technology platform to provide better communication and customer service to business partners. An approved Fannie Mae seller/servicer, 360 Mortgage Group is headquartered in Austin, Texas and services more than 25 states across the United States. Contact 360 Mortgage Group via email at 360marketing@360mtg.com or by calling (866) 418-2997.

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

Prior to joining 360 Mortgage Group, Bonds served as an account executive for various firms, and as a retail branch manager for Savings 1st Mortgage. Bonds earned his Bachelor of Science degree in technology and management from University College at the University of Maryland. Formerly, Bonds served in the U.S. Air Force as an E5 with top secret/crypto clearance.

"I believe 360 Mortgage Group has the most attractive business model for brokers to grow their businesses in 2012 and beyond," Bonds said. "360 is an agile, focused company driven by experienced entrepreneurs with a clear vision that is shared with employees and clients."

"Products and pricing may come and go, but service is what defines a wholesale lender," Bonds said. "360's technology drives service at a consistently high level. Working for 360 makes me an 'impact player' in my market."

"Glenn Bonds is very professional and in my opinion an outstanding account executive," said Steve Summers, owner of The Mortgage Link. "He is always very helpful and knowledgeable when it comes to any of his loans. He is always very involved and goes the extra mile to ensure that all transactions go smoothly and most importantly that all loans are closed on time and without any unexpected issues. It is always a pleasure doing business with Glenn."

About 360 Mortgage Group, LLC:

Established in 2007, 360 Mortgage Group, LLC (http://www.360mtg.com) is a privately owned mortgage bank that has successfully utilized its high-technology platform to provide better communication and customer service to business partners. An approved Fannie Mae seller/servicer, 360 Mortgage Group is headquartered in Austin, Texas and services more than 25 states across the United States. Contact 360 Mortgage Group via email at 360marketing@360mtg.com or by calling (866) 418-2997

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

The free payment module integrates directly with OpenCuro's API and allows merchants using Zen Cart to quickly and securely accept OpenCuro payments on their existing checkout page. The installation, configuration and testing can be done in minutes and does not require any programming. The module is available for download on Zen Cart's website and on OpenCuro's website.

"Zen Cart is a fully featured open source shopping cart with a great community of programmers and merchants," said Ian James, OpenCuro CEO, "so when we decided to start building payment plug-ins for our merchants, Zen Cart jumped to mind as the perfect place to start."

How to get started:

For merchants already using Zen Cart's shopping cart software: Go to opencuro.com to download the free payment module. Log in to your OpenCuro account (or sign up for a free account) to create your credentials. Configure the payment module and you'll be able to accept OpenCuro payments right away.

About OpenCuro:

OpenCuro has reinvented cash for the mobile world. By leveraging its patent-pending technology, OpenCuro offers the utmost payment protection while still preserving the speed and ease of online payments. Users make and receive payments using OpenCuro's unique payment code, the CuroCode: a randomly generated, alphanumeric code that is time sensitive, one time use and contains absolutely no personally identifying information about the sender, receiver or transaction-just like cash. OpenCuro's technology eliminates duplicate payments, unauthorized payments and many types of identity theft. To learn more about payments that protect your privacy and security, visit https://opencuro.com or follow us on Twitter @OpenCuro.

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

Estimates based on recent census data show that there are more than ten million baby boomers in California, and more than a thousand turn 65 every single day. This group, currently aged from 48 to 66, faces a number of unique financial challenges as they attempt to plan for their retirement years.

These challenges include:
* Vanishing pensions as most companies have shifted away from defined-benefit plans;
* Stock market volatility causing people to delay or change their retirement plans;
* Underfunded Social Security program leaving future of high-income earners in doubt;
* Lack of sufficient retirement savings with many boomers planning to work into old age;
* Escalating college tuitions and "boomerang kids" straining family budgets.

The net result has been what the Insured Retirement Institute (IRI) has termed the "Baby Boomer Retirement Crisis" in its "IRI Quick Facts" report published in February of 2012.

"The GCA California Real Estate Fund provides an alternative investment option designed to help baby boomers avoid the crisis and plan for a more secure retirement," said Tom Braegelmann, CEO of GCA Equity Partners. "It features excellent targeted returns, the security of real-estate backed investing, and a straightforward and transparent investment model."

This investment fund features a preferred return rate of 8 percent annually, with the potential for higher returns. Investors can place cash or money from self-directed IRAs into the fund and can choose to receive monthly income or reinvest returns for compounded growth.

Select investors may receive a copy of the detailed offering circular by completing the qualification
form at: http://www.gcaequitypartners.com/qualify-me/ .

GCA Equity Partners, LLC is an investment management company focused on asset-based real estate investment opportunities. The company has its main office in Campbell, Calif. – but invests in projects globally. For more information, visit http://www.gcaequitypartners.com .

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

"John's experience makes him an ideal addition to our leadership team," said Brad Birdwell, a managing partner at Third Law Sourcing. "I had the opportunity to work with him years ago and, as a former CFO and client of John's, I have seen firsthand the value he brings to organizations."

Before joining Third Law Sourcing, Grendi was a director at Huron Consulting Group. There he was responsible for developing and growing financial, compliance and business process improvement practices for the firm's healthcare, financial and government industry segments.

Prior to Huron, John was senior vice president at the Royal Bank of Scotland where he had overall responsibility for identifying, developing and managing revenue from the channel partnerships. He also spent over six years with Deloitte Consulting in client managing roles, driving the growth of the Technology, Media and Telecommunications industry practices.

"Third Law Sourcing has built a unique business that delivers measurable savings, with a risk-free model that stands apart from typical cost savings consulting," said Grendi. "I am excited to join Third Law Sourcing's executive team, leveraging my expertise and professional experience to deliver significant bottom-line improvement for our clients."

John earned an MBA from the University of Georgia and a bachelor's degree in accounting from Villanova University. He is active in the Atlanta community with the Technology Association of Georgia, The First Tee and the Villanova Alumni Scholarship Fund.

About Third Law Sourcing:

Third Law Sourcing LLC, based in Duluth, Ga., provides strategic sourcing and procurement consulting to services companies with $500 million to several billion dollars in annual revenue. By adhering to the rules of principled negotiation, Third Law Sourcing helps clients achieve bottom-line cost savings without disrupting operations or vendor relationships. Unlike traditional hourly fee consulting firms, Third Law Sourcing's strategic sourcing and procurement consulting services are net cash flow positive because they are paid for through savings gained.

In addition to cost-reduction initiatives, Third Law Sourcing provides sourcing services to organizations undertaking financial restructuring and merger/acquisition transactions. Third Law Sourcing, founded in 2005, is ranked on the 2011 Inc. 500 as one of America's fastest-growing companies. For more information, visit http://www.3rdlaw.com .

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

Prior to joining 360 Mortgage Group on March 14th, Eason worked as a senior account executive for ClearPoint Funding; an account executive for TopFlite Financial, Bank of America and Wachovia Bank (now Wells Fargo); and a new business and lead generation executive for Great Lakes Finance. Eason earned a degree in business from Oakland Community College and Macomb Community College.

"I had three job offers, but I decided to go with 360 Mortgage Group," said Eason. "This decision was based on a webinar that I watched about the technology and simplicity of 360's platform. Because 360's system is integrated with Calyx, it is much simpler and faster to use, which means less time and aggravation for brokers."

"Jeff was a great employee," said Jodie Sedestrum, sales manager at Wells Fargo. "He is a go-getter who is very good with all of his clients and always makes sure that they are taken care of."

About 360 Mortgage Group, LLC:

Established in 2007, 360 Mortgage Group LLC – www.360MTG.com – is a privately owned mortgage bank that has successfully utilized its high-technology platform to provide better communication and customer service to business partners. An approved Fannie Mae seller/servicer, 360 Mortgage Group is headquartered in Austin, Texas and services more than 25 states across the United States. For more information, contact 360 Mortgage Group by calling (866) 418-2997.

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.

On February 17, the reps of both Financial Foundation Group's Loveland and Lone Tree offices took the day off to go to the Children Hospital and work with the young patients of the hospital as well as their parents to make Valentines decorations for their loved ones, their rooms, or even just to pass the time and enjoy the season doing crafts.

"It was so rewarding to be able to help make the kids' day brighter with decorations for their hospital rooms," Mandy Cannon, Senior Supervisor with FFG, explains. "Some children were unable to come down from their rooms so their sibling came for them. The parents were so grateful and the kids seemed entertained and excited to be able to do crafts."

The Representatives of the Financial Foundation Group put their heads together for craft ideas that would be easy and fun for the hospitalized children to make. There were different stations including Valentine card making, picture ornaments, and a Valentine's coloring station. Simply using all the decorations, glitter glue, and stickers to be creative and make their own cards was the biggest hit with the children!

In 2002, the Financial Foundation Group through an affiliated company opened its doors with just three people. FFG has experienced a phenomenal growth rate over the past few years and today they have grown to have 4 offices, and approximately 50 people affiliated with the organization.

"As a company I feel we are able to continue to grow because of the dedication our representatives have to making a bright future, no matter what situation people are in or troubles our economy faces. It is so exciting for us to be able to add value to people's life both in and out of the office," Ms. Cannon adds.

The Financial Foundation Group's mission is to become a nationwide leader in the financial services industry. They have experienced a phenomenal growth rate over the past few years and plan to continue the trend. The knowledgeable staff at FFG has access to a wide array of investment products and can provide assistance with providing life insurance choices and wealth building strategies to suit each individual client's needs.

Currently, the Loveland and Lone Tree offices are offering employment opportunities to motivated individuals looking to advance rapidly through their management trainee program to help further expand the company.

The company's web site – www.FinancialFoundationGroup.com – has current market information and summaries for clients to review.

Copyright © 2012 CitizenWire™; and Neotrope®. CitizenWire is a publication of the Neotrope News Network.