Market Rates Insight Webinar Reveals Number One Pricing Tactic that Gives Top 150 Banks an Advantage in Deposit Pricing

First in Series of Three Webinars Shows How Fluid Pricing Strategies Offer Smaller Institutions a Competitive Advantage while avoiding pricing errors.

SAN ANSELMO, Calif. (October 25, 2011) -- In the first of a series of educational webinars, Market Rates Insight, Inc. (http://www.marketratesinsight.com), a leading pricing intelligence research firm that tracks rate and banking products for financial institutions, will reveal how top banking institutions use hidden tactics in pricing deposit products, and how smaller institutions can take advantage of these tactics to offer more competitive rates. The first of three free 20-minute executive webinars on The Top Three Deposit Pricing Tactics is scheduled for 11:00 a.m. and 2:00 p.m. ET this Wednesday, October 26. Contact pat.townsley@marketratesinsight.com to register.

In this presentation, Pat Townsley, Market Rates Insight’s Vice President of Business Development will demonstrate how smaller financial institutions often view rigid comparative rate data to contrast and compare competitive pricing for their deposit products. This happens when larger banks retire those deposit products and replace them with new products with more profitable terms or tiers, and product misalignment occurs.

To combat these tactics, Mr. Townsley will show how institutions can apply fluid, reporting that follows changing market trends and conditions.

The webinar series is free to any banking executive interested in competitive deposit rate research. For more information about the series and to register for the event, contact Pat Townsley at pat.townsley@marketratesinsight.com.

About Market Rates Insight

For more than two decades, Market Rates Insight (MRI) has been helping subscribers price with precision by providing banks, thrifts, credit unions, and other financial institutions with accurate market intelligence on deposits, loans, and fees. MRI uses deposit surveys, mortgage and consumer loan surveys, fee and feature studies, scanned ads, new product alerts, and market share and money fund reports to give subscribers the intelligence they need to profitably react to emerging trends. MRI’s products include customized, web-enabled market research tools that report on rates, as well as online searchable databases, gauges, alerts, and dashboards that aggregate key client data to provide real-time views on how they stack up against market competitors.

Market Rates Insight is located in San Anselmo, California. For more information, see http://www.marketratesinsight.com.

Photos available upon request

For additional information contact:

Tom Woolf

Market Rates Insight, Inc.

(415) 259-5638

tom.woolf@marketratesinsight.com

Add hCG To Your Medical Practice this New Year by Attending the IAPAM's hCG Training

Some reports indicate that “40 to 45% of American adults make one or more resolutions each year,” and “among the top New Year’s resolutions are personal goals about weight loss.” It has also been found that 64% of “New Year’s Resolutions are kept after 1 month, but only 46% maintained their resolutions past 6 months.” By attending the IAPAM’s hCG for Weight Loss Training, physicians can help their patients reach their weight loss goals, while creating a profitable hCG diet program within their practice.

Las Vegas, NV, October 25, 2011 -- “Losing weight”, “going on a diet,” and “getting healthier” are perennially in the top 3 of New Year’s Resolutions. The IAPAM’s Physician hCG Training (http://www.hcgtraining.com) offers physicians a full-day of intensive education on the clinical best practices of hCG (human Chorionic Gonadotropin) for weight loss, lipotropic injections and Very Low Calorie Diet (VLCD) programs. Physicians and their staff will learn the exclusive IAPAM hCG for Weight Loss Protocol, based on Dr. Simeons manuscript, Pounds and Inches (http://www.iapam.com/dr-simeons-pounds-and-inches-manuscript.html)

The IAPAM’s program gives physicians “everything they need to start offering medical weight loss programs to their patients immediately upon returning to their practices,” emphasizes Jeff Russell, Executive Director of the IAPAM (http://www.iapam.com), and one of the IAPAM faculty instructors presenting at the IAPAM’s hCG training. The IAPAM hCG weight loss course includes:

- A detailed overview of the exclusive IAPAM hCG Protocol & best practices

- Understanding of VLCD/LCD diet programs

- Patient selection criteria

- Common medical contraindications

- Current FDA status & requirements

- Legal/Insurance considerations and special access to hCG Medical Malpractice Insurance Program

- Weight Loss Practice Advertising & Marketing Tips and Strategies

Attendees also receive the following program resources:

- Patient hCG Program book to offer patients (hCG friendly recipes, food journal, tips)

- Weight Management Practice Operational Manual

- Patient Charting Forms, Medical History & hCG Consent Forms

- Special Pricing for hCG and Meal Replacement Products

- hCG Waiting Room Presentations and advertising examples

Finally, the IAPAM’s full day hCG training is the only hCG medical weight loss training in North America approved for a special medical malpractice coverage for those who have attended and have been certified by the IAPAM. Physicians who have attended the IAPAM’s hCG Training, “love the IAPAM’s hCG program” (http://www.iapam.com/category/testimonials).

All of the IAPAM’s 2010 and 2011 hCG Medical Weight Management seminars have sold out, so to register for a session before the New Year, please see http://www.hcgtraining.com, contact the IAPAM at info@theiapam.com or call 1-800-219-5108 ext 708.

About the IAPAM: The International Association for Physicians in Aesthetic Medicine (IAPAM)

The International Association for Physicians in Aesthetic Medicine is a voluntary global association of physicians and supporters, which sets standards for the aesthetic medical profession worldwide. The goal of the association is to offer education, ethical standards, credentialing, and member benefits to members around the globe. IAPAM membership is open to all licensed medical doctors (MDs), doctors of osteopathic medicine (DOs), physicians assistants (PAs) and nurse practitioners (NPs). The IAPAM offers aesthetic medicine and hCG medical weight management programs, including: Botox ® training, medical aesthetic training, laser training, physician hCG training, and aesthetic practice business training. Additional information about the association can be accessed through the IAPAM’s website (http://www.iapam.com) or by contacting:

Jeff Russell, Executive-Director

International Association for Physicians in Aesthetic Medicine (IAPAM)

1-800-219-5108 ext. 708

info@theiapam.com

Brits would rather become a Teacher than switch to any other Job

New research from careers advice and training service oneworklife identifies the careers UK workers most want to switch to.

London, UK, October 25, 2011 -- Given the choice, more Brits would switch to a job in teaching than any other profession, new research from training provider oneworklife has shown.

The survey of over 2000 UK full and part time workers revealed that nearly 1 in 5 (18%) UK workers hate their jobs and when asked what they would like to do instead, a career in education came out on top. Career switches to the fields of IT and Healthcare came in joint second place.

Differences in the responses between men and women also suggest that despite living in an age of supposed gender equality, women are still more drawn to the caring vocations than men.

For men, Information Technology careers would be the most popular move with nearly 12 per cent selecting that as their top option. However, a job in IT appeals to just 3.5 per cent of women.

The difference of opinion between genders is maintained when it comes to jobs in healthcare. 8.3 per cent of women would choose a job in the healthcare sector as opposed to just 4.3 per cent of men.

Jobs in construction didn't prove as popular, only just making it in to the top ten list of most popular career changes coming in behind becoming a farmer or gardener in 9th place and choosing to be a house husband or house wife in 8th place.

Other interesting findings from the survey include:

- The same percentage of respondents wanted to become a celebrity as wanted to join one of the armed forces (1.15%)

- More people wanted to become a professional sports person (2.35%) than work in politics (2.05%)

- Just over 1% of women and 0.5% of men would become a WAG if they could

- 18% of UK workers hate their jobs

- 21% of workers feel trapped in their current jobs

- 9.5% say their current job makes them unhappy even outside of work

- 17% of respondents see themselves as budding entrepreneurs and would like to run their own business rather than switch to any other ‘job’.

Trevor Field of oneworklife commented, “What’s clear from the research is that many British workers feel trapped in unfulfilling jobs or careers. We've created oneworklife to give people of all ages and from all walks of life the guidance they need to help them get their career on track. You don't have to plod on in a job you hate. With a little help and retraining you could be able to move to a better job with better prospects to give you a better life.”

oneworklife is a careers advice and training service which aims to help people improve their career and earnings prospects by giving them all the help, advice, tools and guidance they should need to help them retrain for a new work life.

Career Mentors are on hand to offer free careers advice over the phone and useful tools such as career and course guides as well as a career finder are available on their website too.

-Ends-

For further information please contact: Jason Wyer-Smith at 42 PR on 07824 818242

Trevor Field at oneworklife on 07711167314

Notes to Editors:

To link to our website please use http://www.oneworklife.com

Research commissioned by oneworklife and carried out with 2000 UK adults in August 2011 by OnePoll research.

About oneworklife

oneworklife's mission is to improve working lives. Helping people to identify their own skills, choosing a career that’s right for them and helping them get the training or qualifications they need to achieve greater job satisfaction and better earning potential. oneworklife will also help users find a new job or show them how to become self-employed or set up their own business.

oneworklife will help people to get more from their work life.