user.rb

class User < ActiveRecord::Base

  PROFILE_KEYS = %w/ first_name last_name office_phone home_phone cell_phone /
  def self.moderator_fields
    key_val_pairs = @params.select {|k,v| not PROFILE_KEYS.include? k}.flatten
    Hash[*key_val_pairs]
  end

  def self.profile_fields
    key_val_pairs = @params.select {|k,v| PROFILE_KEYS.include? k }.flatten
    Hash[*key_val_pairs]
  end

  def self.new_with_profile(params)
    @params = params
    new_moderator = create moderator_fields
    new_moderator.profile = Profile.create profile_fields
    new_moderator
  end

  def update_with_profile(params)
    @params = params

    update_attributes self.class.moderator_fields and
    profile.update_attributes self.class.profile_fields

    save
  end

end

user_spec.rb

require File.expand_path(File.dirname(__FILE__) + '/../spec_helper')

describe User do
    @u = Factory(:user)
  end
  describe "with profile" do

    before(:each) do
      @example_params = {
        "email" => "user.test@test.com",
        "company_name" => "Test Company Name",
        "form_toll_number" => "3125554444",
        "form_toll_free_number" => "3125556666",
        "first_name" => 'User',
        "last_name" => "Test",
        "office_phone" => "8005551111",
        "home_phone" => "3125552222",
        "cell_phone" => "3125553333",
      }

    end
    it "should create modeator with profile" do

      user = User.new_with_profile(@example_params)
      %w/email company_name form_toll_number form_toll_free_number/.each do |fld|
        user[fld].should == @example_params[fld]
      end
      %w/first_name last_name office_phone home_phone cell_phone/.each do |fld|
        user.profile[fld].should == @example_params[fld]
      end
    end

    it "should update user with profile" do
      @u.update_with_profile @example_params
      %w/email company_name form_toll_number form_toll_free_number/.each do |fld|
        @u[fld].should == @example_params[fld]
      end
      %w/first_name last_name office_phone home_phone cell_phone/.each do |fld|
        @u.profile[fld].should == @example_params[fld]
      end

    end
  end

end