With the dramatic increase in senior citizens turning to reverse mortgages as a way to finance their retirements, the importance of having ethical reverse mortgage brokers has increased dramatically as well. Ethical standards for reverse mortgage lenders have been established in the National Reverse Mortgage Lenders’ Association Code of Conduct, but not all reverse mortgage brokers deal with members of the NRMLA.
What Your Broker Should Tell You
Many people who decide to take a reverse mortgage rely on their reverse mortgage brokers for information about the costs of the process about which an ethical reverse mortgage broker will be forthcoming. Yours should be willing at the very least to tell you the following:
• The cost of your application fee may not be refundable, so potential borrowers clarify that in advance. The application fee covers the cost of a home appraisal and a check to determine if the potential borrower is in arrears on any other federally-insured loans.
• Closing fees can be added to the loan itself, but if they are, will accrue interest. Some of closing fees are comparable to the closing fees of regular mortgages, but others are strictly designed as part of the reverse mortgage process. The origination fee and continuing loan servicing fees will differ widely among reverse mortgage lenders.
• At the loan’s termination, there may be shared equity or value appreciation fees assessed. If so, they will entitle the reverse mortgage broker to a share of your home’s residual value.
If you find reverse mortgage brokers hesitant to discuss these fees, immediately see warning signs and look elsewhere. Reverse mortgage brokers who take advantage of the ignorance of prospective borrowers are, unfortunately, far more common than one would like to think.
The sum you will actually receive for your reverse mortgage payment, whether you take it as a single amount, in monthly payments, or as a line of credit, can differ by thousands or tens of thousands of dollars, depending on the abilities and honesty of the reverse mortgage brokers with whom you consult. For more info see http://www.i-reversemortgages.com/Reverse_Mortgage_Brokers on Reverse Mortgage Brokers.
Take Your Time
Take the time to shop among reverse mortgage brokers for the lowest fees; if you have family members or friends who have taken out reverse mortgages, ask them about their experience and whether they are satisfied with the performance of their reverse mortgage broker; if there are senior citizens advocacy groups in your community, find out whether they can recommend any reverse mortgage brokers.
Make sure your reverse mortgage broker finds the loan which is right for your needs; you have the right to a retirement as worry-free as you can make it!
Top Quotes for Reverse Mortgages - Don't Settle For Less
Call 877-626-7384 to get a quote for a reverse mortgage on your home. Do shop around regardless and be certain to call the number previously mentioned for a quote. There is a wide range of difference in offer amounts for reverse mortgages from lender to lender. Dont make the mistake of going wih the first quote you get.
99. ARC (Asset Reconstruction Company)
This video explains ARC (Asset Reconstruction Company)
Banking awareness is a very critical part in preparation of any bank exam - both written exam and interviews.
This series of videos provide the most comprehensive resource for banking awareness preparation for IBPS and banking jobs
• Are you preparing for bank exams or for interviews for banks jobs?
• Have you cleared IBPS written exam and
preparing for interview?
• Are you a finance or commerce student wanting to better
understand banking and finance topics?
• Are you a working banking professional who want a broad overview of the entire financial sector and economy?
• Are you a general reader interested in understanding
banking, finance and economy topic such as – how do
banks function, what is stock market, how is dollar-rupee
exchange rate determined, what is inflation, what is
process of housing loan, etc…
Then you are at the right place!
Explained in a simple conversational style, the videos are prepared specifically keeping students in mind who do not have any prior knowledge of banking, economy or finance. The videos covers all the topics encountered in the area of banking and economy including international finance.
Welcome to the exciting world of banking, economy and finance.
• Don’t waste your valuable time by searching for “banking awareness questions, “bank interview questions” on internet. They will give you some 20-25 questions only. How many such websites can you go through?
• Also, they do not cover the theory and background information – just questions and maybe one line answers. That will not help you.
• In these videos, we take a structured approach to your interviews. Each topic is explained from basics followed by questions on that topic.
• A total of 2159 questions (that is right, more than two thousand questions!), spread across 29 units and 443 topics, comprehensively covers any question that can possibly be asked in bank interviews.
• This is your best single point reference for IBPS and banking job interviews.
If you prefer hard copy of the above material, you can purchase the book on Amazon.
Please subscribe to this channel to receive new videos that we update.
Selling a Home That Has a Reverse Mortgage
This video is a replay of a live webcast REALTOR® Magazine presented on April 21, 2016, about selling a home that has a reverse mortgage. The program featured Leslie Flynne, chief operating officer of Reverse Mortgage Solutions, Inc., and Steve Irwin, executive vice president of the National Reverse Mortgage Lenders Association. Jon Boughtin of NAR Public Affairs hosted the program.
Using a Reverse Mortgage to Buy a Home
Your clients can use an FHA-insured reverse mortgage to buy a home. In this webcast, recorded live, a real estate broker and a mortgage lender who have a lot of experience with this type of mortgage, talk about how it works and what real estate agents need to know about it so they can help their clients who are interested in using it.
How to pay off a 30 year home mortgage in 5-7 years
In the above video I reveal a powerful strategy that is practically available to all, but is known and fully understood by a very few. If one takes the time to learn and implement this method of eliminating debt, one may find themselves pleasantly surprised of how quickly their home mortgage, auto loans, student loans or business loans can be completely paid off.
In the video I will demonstrate how a banking strategy can be used to pay off a 30 year home mortgage in just 5-7 years without sending double payments to the bank or changing one’s current level of income.
RECAP OF THE VIDEO:
I start off by creating a scenario of a financial situation by taking an average household net income in the United States combined with some of the basic monthly expenses: home mortgage, minimum payment on a credit card, car payment and living expenses which include groceries, utilities, gym membership…
Once all expenses are identified and subtracted from the net monthly income it is important to understand the impact of cash flow, the difference between a loan and a line of credit, how the interest of a loan and a line of credit is calculated, and how monthly payments on a mortgage are dispersed between interest and principal paydown. To help demonstrate these differences I create tables and an amortization graph. As I go on to unveil the main differences I also identify the biggest reason why nowadays most homeowners are unable to payoff their home mortgages due to the unstrategic use of home refinancing.
By this point having had identified the difference between a loan and a line of credit I can reveal the benefits of utilizing a line of credit to pay off a home mortgage in 5-7 years. This is where I get into the banking strategy which incorporates an unaccustomed method of moving one’s entire monthly paycheck into a line of credit instead of the accustomed checkings and savings accounts. By adopting this method one can leverage a line of credit to free up cash flow, gain cash back rewards, build credit history and improve credit score, but the greatest leverage created is the thousands if not hundreds of thousands of dollars in interest savings.
KARL'S MORTGAGE CALCULATOR APP:
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DISCLAIMER: I (Laura Pitkute) am not a financial advisor, real estate broker, a licensed mortgage broker, not a certified financial planner, not a licensed attorney, and not a certified public accountant, therefore please consult with a competent professional prior to engaging in any financial strategies. Not everyone will experience 100% success rate by using this strategy as it requires a commitment to keep applying this strategy over time until the desired result is achieved. I (Laura Pitkute) do not promise or guarantee any specific outcomes and/or results from the use of this strategy.
The lazy way to get rich - MoneyWeek Investment Tutorials
Tim Bennett explains the magic of compound interest. Compounding, or or the 'time value of money' - is one of investing's most vital concepts, and is the secret to getting rich without really trying.
From Tesla to Wells Fargo: Scandal, Success, and Accountability in Corporate America
Recent cases in many business sectors illustrate the preventable harms caused, and millions of dollars in fines paid, by corporations in the United States and elsewhere. From longstanding issues like financial fraud to emerging questions like consumer data privacy, business leaders are seeking better approaches to address these challenges and avoid negative publicity, short sellers betting against the company, and legal jeopardy. To help prepare Stanford GSB’s future business leaders, the Corporations and Society Initiative is convening a conversation with three experts in legal, reputational, and financial risk to explore causes of, and solutions to, corporate scandals.
Anat Admati, Professor of Finance at Stanford Graduate School of Business
Jed Rakoff, Judge, U.S. District Court for the Southern District of New York
Fahmi Quadir, Chief Investment Officer, Safkhet Capital
Emily Glazer, Reporter, Wall Street Journal
CORRECTION: At 30:32 of the video, one of the participants stated that a law firm was paid $3 billion in fees in a certain bribery case. The participant has since confirmed that this was an error, albeit inadvertent. The company that was the subject of that case has stated that the number was approximately $230 million. We regret the error.
Concave mirror real image demonstration /// Homemade Science with Bruce Yeany
This video features a device that uses a concave mirror to project the image of a small light bulb into an empty light socket. While it is possible to hide the source of the projected light from the viewers, I have found it better to allow students to easily see the source of the hidden light for a better understanding of the behavior of light rays reflected by a concave mirror.
The question arises if the image is a real or a virtual image. Let’s start with real images are always inverted and virtual images are always upright A real image is one on the same side of the lens or mirror as the viewer, whereas a virtual image is one on the opposite side of the lens or mirror.
In optics, a virtual image is an image formed when the outgoing rays from a point on an object always diverge. The image appears to be located at the point of apparent divergence. Because the rays never converge, a virtual image cannot be projected onto a screen.
In contrast, a real image is one that is formed when the outgoing rays from a point converge at a real location. Real images can be projected onto a diffuse reflecting screen, but a screen is not necessary for the image to appear. The point is, a screen is not required for a real image but can be a test for a real image.
For example, holograms are real images, the idea is to produce an image that appears in the air. There is a popular toy called mirage that projects the image of object apparently floating above the mirror. It is a 3 dimensional 3-D real image.
GitHub Africa Meetup -The Best of Universe
GitHub is excited to invite you to join us for “The Best of Universe”!
GitHub Universe is GitHub's annual 3 day conference. This year we held it virtually, and The Best of Universe will take you through more than a dozen of our 40 amazing sessions. These include:
- The latest Features launched in GitHub Enterprise Server
- Security Practices
- How GitHub works to pay down technical debt on GitHub itself
- Development tips from several of our partners
We will wrap with a zoom event where you’ll be able to network and connect with GitHub representatives. Please join us on Tuesday, January 12th at 16:00 WAT!
What is a Reverse Mortgage?
You can read the short explanation in this video and also call the Reverse Mortgage Helpdesk to get more information or to have your questions answered. This is a free service to Seniors and their families. Also ask for a quote from one of the many associated lenders as well if you like.
Ripple - Enterprise Blockchain | Chris Larsen & Stefan Thomas | Talks at Google
Chris Larsen is the founder, former CEO and now Executive Chairman of Ripple labs; he is a serial entrepreneur and advocate for the internet of value and consumer financial privacy; he is a graduate of Stanford Business School, and founder of both E-loan mortgage lender and Prosper marketplace.
Stefan Thomas is the current CTO of Ripple, a member of the board of directors of the JS foundation, and the founder and CEO of Justmoon, WeUseCoins, and TxtBear. He was one of the original cypherpunks involved with bitcoin and is a world-renowned crypto and blockchain expert.
Ripple develops software that makes banking transactions easier and more efficient on the blockchain. XRP, Ripple's cryptocurrency, is (on the date of this publication) the world's third largest cryptocurrency with a current market cap of about 45 billion dollars. In this talk they discuss Ripple's focus on settlement infrastructure and their plan to create a longterm internet of value.
Moderated by Jesse Michels.
The Millennial Myth | Kristen Hadeed | TEDxStLouisWomen
Most of us have grown up in a world where we are not allowed to fail. In the real world we are not given an award for participating and we do not get a trophy for finishing last. Working at Student Maid, students are responsible for their own actions and in turn learn not to be afraid of failure.
Kristen Hadeed is the founder of Student Maid; a company that only employs students with 3.5 + GPA’s. Kristen also launched a tech company that is developing scheduling apps with the potential of revolutionizing the service industry.
This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at
CREDIT REPAIR Q&A LIVE | EP #85
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GreenTraderTax - Year End Tax Planning Considering The Tax Cuts & Jobs Act Bill
As tax reform advances through Congress, it’s safe to assume your tax rates may be lower in 2018 and some of your expenses will likely be repealed to pay for tax rate cuts. It’s probably wise to use the time-honored strategy of deferring income and accelerating payments to deduct them while you can. Even if Congress fails to pass tax reform, you’ll benefit from the time value of money.
Join Robert A. Green, CPA, and CEO of GreenTraderTax.com to learn valuable tax planning tips for individuals.
This is an excellent time to consider year-end tax planning moves to save taxes for 2017. Once tax season gets underway in Q1 2018, it’s too late for these smart ideas.
Sponsored by GreenTraderTax.com
Interactive Brokers LLC is a member of NYSE, FINRA, SIPC
Financial Health after Transplant Managing Medical Debt, Planning Your Financial Future
2016 Celebrating a Second Chance at Life Survivorship Symposium
Workshop: Financial Health after Transplant Managing Medical Debt, Planning Your Financial Future
Speaker: Karen DeRose CFP©, CRPC©, DeRose Financial Planning Group
Run time-30 minute presentation followed by a 30 minute Q & A session
Despatches From The Investment Managers Front Line - Where Will Home Prices Go?
In another in our series talking with those in the front line of finance and property, I caught up with Tony Locantro from Alto Capital in Perth. We discussed the property market, including a focus on the local Perth market and his bet with The Kouk (the one I passed on following 60 Minutes). Where will home prices go?
Tony is also active on Twitter.
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NEVER PAY COLLECTIONS! (Remove Collections From Credit Report)
Should you pay a debt collector in order to repair your credit report or is there a better way to go about collections? In this episode Matthew Pillmore, president of VIP Financial Education, reveals the truth about collections - how to call a collection agency, what to say in order to get a collection account removed off your credit report. These tips will help keep your credit score optimized while also clearing out those debt collectors.
Should I pay collections? Should I never pay collections? Don't pay collections until you watch this video. You'll learn how to remove collections from your credit report!
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a) 1 winner selected first week of October.
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- Must have a MINIMUM of $500 average cash flow each month. No exceptions.
- Win a 2 hour Skype session with Mr. Pillmore.
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Complimentary services and products mentioned in our videos are available for a limited time only and are not guaranteed at the viewing of this video. VIP Financial Education provides resources for educational purposes only. Our education is not a substitute for legal, tax, or financial advice and results vary. VIP Financial Education encourages viewers to do their homework before taking any financial action. VIP Enterprises, LLC may from time to time earn commissions by recommending various products, services, and programs.
#NeverPayCollections #RemoveCollections #Collections #VIPFinancialEd
Digital Justice: Technology and the Internet of Disputes
eBay resolves 60 million disputes a year and Alibaba 100 million. How do they do that? At the other less impressive extreme, in 2015 the IRS hung up on telephone callers 8.8 million times without making contact. Are there online solutions for that? Disputes are a “growth industry” on the internet, an inevitable by-product of innovation but often harmful to individuals. Drawing on his recent book, Digital Justice: Technology and the Internet of Disputes, (co-authored with Orna Rabinovich), Professor Katsh considers opportunities for online dispute resolution and prevention in ecommerce, health care, social media, employment, and the courts.
Find out more about this event here:
Financial Advisor Marketing Program November 2016
Best 10 stocks should be in your Portfolio || మన పోర్ట్ ఫోలియో లో ఉండవలసిన HIGH DIVIDEND స్టాక్స్
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Best 10 stocks should be in your Portfolio || మన పోర్ట్ ఫోలియో లో ఉండవలసిన HIGH DIVIDEND స్టాక్స్ :
5 BEST LOW DEBT LARGE CAP STOCKS || మార్కెట్ పతనంలో కొనాల్సిన అయిదు మంచి మార్కెట్ దిగ్గజాలు :
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In this video we clearly explained about Best 10 stocks should be in your Portfolio || మన పోర్ట్ ఫోలియో లో ఉండవలసిన HIGH DIVIDEND స్టాక్స్
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All trading strategies are used at your own risk.
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The long road to capitalism: here’s why China has arrived
As business partnerships with China are on the up, it’s becoming imperative to crack the mystery of the “China code”. On the one hand and given how the country serves as a model for prosperity, China seems to be capitalist. On the other, it defies so many of the rules: no free elections and no free market economy, for example.
In this webinar, Nico Luchsinger, Co-Executive Director of the Asia Society Switzerland moderated a session between Arturo Bris, IMD Professor of Finance and Head of the IMD World Competitiveness Center, and Mark Greeven, IMD Professor of Innovation and Strategy with a strong interest in China.
Drawing from the trio’s varied experience and opposing views on the topic, the audience was able to get under the surface of China’s political and economic setup. This is a crucial part of the exploration of the landscape, especially for companies working in China or working with Chinese companies that are branching out on the international stage.
#IMDImpact #Webinar #MarkGreeven #ArturoBris
PPR57: Retirement Income Draw Rate & Success Stories
On the day after you retire, which will matter most to you, the size of your 401k account or the income that it can provide without running out? Most people say its the income they worry about. Then why is there so little education about retirement income draw rates? Maybe its because the financial community does not have a financial incentive to teach people how to take their money out of their 401ik? That’s just my opinion, of course. The bottom line is that your income draw rate in retirement is the most important thing to ask. Without a good draw rate, how can you sustain your desired lifestyle?
Trading for a Living AUDIOBOOK - Trading Tactics , Money Management , Psychology
Successful trading is based on three M's: Mind, Method, and Money. Trading for a Living helps you master all of those three areas: How to become a cool, calm, and collected trader How to profit from the market.
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Open Data, Open Banking: Creating a More Competitive Financial Services Ecosystem
Technological advancement and the proliferation of mobile devices has led to an explosion of data that is driving FinTech innovation. In an effort to increase competition in financial services, governments around the world are implementing data access and portability regimes to make banking more inclusive, competitive, and transparent. What can the US learn from such open banking efforts? In order to remain both innovative and internationally competitive, what type of data governance should American policymakers consider? What does this mean for banks, FinTechs, and Big Tech platforms?
Founder and CEO, FinRegLab; Senior Advisor, Milken Institute
Founder, President and CEO, Cross River
Head of Business Development and Strategy, Plaid
Co-Founder and CEO, Setu
Global Head of Fintech Ecosystem, Finastra
#fintech #banking #bigtech
WHY ARE WE BULLISH? Status Quo In Flames While Bitcoin is a Fortress
In a week of Redditors routing Wall Street hedge funds and exposing the massive market manipulation of institutional gatekeepers, today’s panel guests bring it back to Bitcoin — and talk about what has them feeling bullish ????
???? Denver Bitcoin: Stranded Energy Bitcoin Miner and Writer at Bitcoin Magazine and CoinBeast
???? Anders Jensen: Advisor at Swan, Bitcoin Market specialist, and host of the Toxic Happy Hour on YouTube
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TRID Ready? This Is What It Looks Like
SGX - Greater Trading Strategies on Greater China via SGX listed Futures Contracts
Lowest NJ Mortgage Rates | NY, PA, CT Mortgage Rates | RHMC
RHMC offers mortgage rates consistently below the national average for New Jersey, New York, Pennsylvania, and Connecticut. How much could our rates save you? Find out for yourself. Call 866.998.RHMC, or visit for more info.
For rates in New Jersey visit For rates in Pennsylvania visit For rates in New York visit For rates in Connecticut visit
Title Topics: TRID Electronic Collaboration
The Need for Electronic Collaboration: Solutions to Effectively Share Data for TILA-RESPA Integrated Disclosures
Presenters: Don Partington of Fidelity National Title Group, Ethan Pack of Stewart Title and Steve Acker of Closergeist
April 28, 2015
Econ 104 Stock Fundamentals Part 2 Sept 16, 2019
Stock trading fundamentals part 2 September 16, 2019