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Top Tips for Reverse Mortgage LOs Targeting Financial Planners

Reverse mortgage professionals may slowly be making inroads with financial planning contacts, but the industry agrees there’s still work to be done. Toward that end, there are several best practices originators can rely on to help forge relationships with financial planners, says one planner who is knowledgeable about the reverse mortgage product and is supportive of incorporating home equity-tapping tools into retirement plans. Leading edge, not bleeding edge Among the first bits of adv...
Tags: Featured, Education, Finance, Cloke, American College of Financial Services, Curtis Cloke, THRIVE Income Distribution System

Forbes: Forward vs. Reverse Mortgages in Retirement

Using a reverse mortgage to refinance an existing mortgage will create more financial flexibility for fixed-income retirees, according to Dr. Wade Pfau, professor of retirement income at the American College of Financial Services and a member of the Funding Longevity Task Force, in a new piece at Forbes. “The general idea is that a reverse mortgage used primarily to refinance an existing mortgage creates more flexibility for distribution needs from the investment portfolio by removing a fixed...
Tags: Featured, Education, Finance, Forbes, HECM, Wade Pfau, Pfau, Funding Longevity Task Force, American College of Financial Services

Confronting Four Reverse Mortgage Misconceptions

An opponent of reverse mortgage products recently wrote two columns at Forbes discussing reasons that the business should be avoided, and that potential borrowers searching for ways to fund their retirements would be better served by exploring other financial options. RMD reached out to Professor Teresa Ghilarducci from The New School’s department of economics to expand on the points she made in a January Forbes article saying that reverse mortgages are “a bust” because a senior’s average hom...
Tags: Featured, Education, Finance, United States, Social Security, Forbes, CFPB, U S Census Bureau, Consumer Financial Protection Bureau, New School, Teresa Ghilarducci, John Lunde, Lunde, Boston College Center for Retirement Research, The New School, Reverse Market Insight

How to Find The Best Essay Writing Service for Students

When it comes to an essay writing service for students, it’s essential that you choose a platform that suits your needs. Not all writing services are the same, and this is why it takes a little research. We’ve pulled the criteria that you absolutely need to watch for when you’re selecting a service, and you can find it below. Writers and Work Samples Your chosen site should have a lot of information on hand about their writers. Ideally, you should be able to see a portfolio with a few pieces ...
Tags: Google, Featured, Writing, College, Harvard, How To, Lifehacks, APA Chicago MLA

Abandoning the ‘Wild West:’ How Financial Advisors are Evolving on Reverse Mortgages

Evidence continues to mount concerning an evolving relationship between the reverse mortgage industry and fiduciarily responsible financial advisors. While there is still a stigma surrounding reverse mortgage products for a lot of those offering financial advice to their clients, RMD has seen evidence of forward momentum on the part of some organizations becoming increasingly willing to offer closer looks at housing wealth as a way to help clients make ends meet in retirement. “I’m aware of a...
Tags: Featured, Education, Finance, Cadillac, Cloke, American College of Financial Services, Curtis Cloke, THRIVE Income Distribution System

You Are Never Too Good to Stop Learning

--> I once read an article in Wired magazine about a guy who had developed an airplane with foldable wings that you can tow behind a car. It was a long article, and I was very interested in this airplane because at one point in my life I was studying to be a pilot. As I read the article I realized that this particular guy was having a ton of fun. He was trying to develop something that would revolutionize aviation and was really trying to change the world with his airplane. It was an exciting ar...
Tags: New York, Featured, Education, Marketing, Careers, Sales, Los Angeles, Hawaii, Life Lessons, Aviation, Job Search, Career Advice, Boeing, Hopkins, Kauai, Maui

Forbes Offers Reasons to Avoid Reverse Mortgages

There are at least four major reasons that potential borrowers should avoid taking a reverse mortgage, according to economics professor Teresa Ghilarducci of The New School based in New York, N.Y. in a new column at Forbes. While admitting that reverse mortgages may work for some, she says that is not true of everyone. However, at least one reverse mortgage expert finds flaws in the reasoning behind some of the stated points. The first of her stated reasons to avoid reverse mortgages revolves...
Tags: New York, Featured, Education, Finance, Data, Forbes, New School, Teresa Ghilarducci, John Lunde, Lunde, The New School, Reverse Market Insight, Ghilarducci, Forbes While

How Reverse Mortgages Can Help Millions More Americans

As the reverse mortgage industry continues to try and find new ways to expand business in the wake of difficult challenges that come with regulatory changes and generally reduced volume, one reverse mortgage loan officer was looking for an opportunity to share a novel idea in terms of a new marketing target for originations: people who primarily work on commission-based income, and by extension the millions of Americans who are self-employed. “This strategy actually came to me via a real esta...
Tags: Featured, Education, Finance, Donald Sutherland, Ira, Durham, Sutherland, National Association of Realtors, Realtor, Homebridge Financial Services, Homebridge, Marketing & Sales

Reverse Mortgage Professionals Find Optimism in ‘Crystal Ball’ for 2019

Reverse mortgage professionals are optimistic in their outlook for the industry over the course of 2019, and are encouraged by strong business results for January, along with the increasing prevalence of proprietary products and an heightening level of general conversation surrounding reverse mortgage products in general. That doesn’t mean, though, that optimism isn’t at least tempered by some of the setbacks that the reverse mortgage business endured in 2018. “My crystal ball has a lot of...
Tags: Featured, Education, Finance, Bank Of America, Wells Fargo, Mayer, Thorpe, Lenders, Giordano, Richard Thorpe, Resch, HECM, Shelley Giordano, Longbridge Financial, Finance of America Reverse, RMF

Forbes: Managing Costs and Credit of a Reverse Mortgage

For prospective reverse mortgage borrowers, there are strengths and weaknesses to be found either in immediate or delayed leveraging of the line of credit, and the borrower’s decision concerning a package of costs should be a conscious part of the equation. This is according to the latest in a series of pieces at Forbes by Dr. Wade Pfau, professor of retirement income at the American College of Financial Services and a member of the Funding Longevity Task Force. When examining the benefits to...
Tags: Featured, Education, Finance, Forbes, HECM, Wade Pfau, Pfau, Funding Longevity Task Force, American College of Financial Services

Top Opportunities in the New Era of Reverse Mortgages

The reverse mortgage industry is fully aware of the operational difficulties that extend from regulatory changes and reduced overall volume, but many in the industry also find themselves optimistic about the new kinds of opportunities there are in the current landscape of the business. This and more became clear over the course of a webinar on the topic of current reverse mortgage business realities, hosted Wednesday by RMD. “The market is still responding to policy changes HUD put in place i...
Tags: Featured, Education, Finance, Hud, Webinar, MetLife, Mayer, Thorpe, Bank of America Wells Fargo, Giordano, Richard Thorpe, Resch, Shelley Giordano, Longbridge Financial, Pfau, Finance of America Reverse

Representative Population Recruiting in College

  Want to recruit better in college and university environments? Of course. We all do. That’s the next wave of talent for organizations, right? But most of the approaches that we’ve been using in university recruiting for the last 15-20 years are flawed, and social media has probably muddied the water even more there. While […]
Tags: Featured, News, College, Trends, Recruiting, University, Branding, Blog Posts, Diversity and Inclusion, Representative Population Recruiting

Family Circle Magazine Touts Reverse Mortgage Possibilities

Reverse mortgage products are being described as the possible source of a “financial boost” for seniors with a need for supplemental income in a magazine primarily aimed at home economics and women’s interest topics, giving the supermarket shoppers who primarily buy the publication a little-seen perspective on home equity release. In an article titled “A Mortgage That Pays You” written by Paula Chin and found in Family Circle magazine (along with the print version of Better Homes and Gardens)...
Tags: Featured, Education, Finance, Social Security, Chin, NRMLA, Paula Chin, Better Homes and Gardens Chin

New York Times: Volatile Stock Market Hits Retirees Hardest

A turbulent stock market is already stressful for investors, but that stress can easily increase for older investors that are on the cusp of retirement. This is according to an article in the New York Times, written by personal finance reporter Tara Siegel Bernard with contributions by Dr. Wade Pfau of the Funding Longevity Task Force at the American College of Financial Services. The activity of the market in the early days of retirement investing can have a pronounced impact on the health o...
Tags: Featured, Education, Retirement, Finance, Data, New York Times, Bernard, Wade Pfau, Pfau, Michael Kitces, Funding Longevity Task Force, American College of Financial Services, Tara Siegel Bernard, Columbia Md, Pinnacle Advisory Group

Forbes: The Upfront and Ongoing Costs of a Reverse Mortgage

Prospective reverse mortgage borrowers looking to determine if the product is right for them can find a series of new pieces offering information on the upfront costs (origination fee, mortgage insurance premium and closing costs), ongoing costs related to the accrual of interest, spending options for a variable-rate Home Equity Conversion Mortgage (HECM) and details on the growth of a HECM line of credit in a series of new articles at Forbes. Dr. Wade Pfau, a principal at McLean Asset Manage...
Tags: Featured, Education, Finance, Data, Forbes, HECM, Wade Pfau, McLean Asset Management, Pfau, American College of Financial Services

Reverse Mortgages Could Gain Attention as Hopkins Moves to Carson Group

Financial planner, retirement income specialist and professor Jamie Hopkins has joined financial management company Carson Group as vice president of private client services and director of retirement research, as of January 1. Hopkins, a noted advocate for financial education in the retirement income space and prominent voice in the reverse mortgage community, will maintain his position as a member of the Funding Longevity Task Force at the American College of Financial Services. The Task Fo...
Tags: Featured, Education, Finance, Hopkins, Jamie, Task Force, Carson, American College, Shelley Giordano, Jamie Hopkins, Wade Pfau, RMD, Funding Longevity Task Force, Carson Group, Hopkins Moves to Carson Group, Carson Wealth Carson Group

Home Equity, If Used, Offers Big Boost to Retirees’ Income

If converted to income, untapped home equity for seniors in the United States and 10 European countries could make for a significant supplement to retirement income, according to data released by the Urban Institute and highlighted in a blog post at the Boston College Center for Retirement Research (BCCRR). “The typical retired U.S. household has the potential to increase its retirement income by 35 percent,” the blog post writes, based on research conducted by Stipica Mudrazija and Barbara B...
Tags: Europe, Featured, Sweden, Education, Retirement, Finance, Spain, Data, United States, Boston College, Urban Institute, Center for Retirement Research, BCCRR, Stipica Mudrazija, Barbara Butrica

‘Understanding Reverse’ 2019 Refresh Accounts For New Business Realities

The 2019 edition of Understanding Reverse, the book used by industry personnel and consumers alike as an informative reference tool about reverse mortgage product offerings, features numerous changes which aim to paint a more accurate and lender-neutral picture of contemporary home equity utilization practices. These include reflecting increasing prevalence of proprietary products, the updated Home Equity Conversion Mortgage (HECM) lending limits for the year, additional details on lien seasonin...
Tags: Featured, Education, Finance, HECM, Dan Hultquist, NMLS, Hultquist, Understanding Reverse

Life as a librarian in the Māori community

Nearly 700,000 New Zealanders are of Māori descent, with most Māori living in the North Island. Hastings is a city on the North Island, and Hastings District Libraries is made up of three libraries –Flaxmere Library, the Havelock North Library and Community Centre, and the Hastings War Memorial Library which was officially opened in 1959 after the original building was destroyed in the 1931 earthquake.Moana Munro is a librarian specializing in Māori services at Hastings Public Libraries in New Z...
Tags: Books, Featured, Education, Heritage, Libraries, New Zealand, Community, North Island, Moana, Indigenous People, Maori, Oxford University Press, Munro, Hastings District Council, Indigenous Communities, REO

Will Congress penalize colleges that increase tuition?

Senator Charles Grassley of Iowa will serve as chairman of the Senate Finance Committee during the upcoming 115th Congress. Senator Grassley’s decision to lead the Finance Committee may have important consequences for the nation’s colleges and universities. Grassley, a Republican, has criticized increased tuition charges in the face of the pronounced, tax-free growth of many college endowments.In light of his prior statements and the current political environment, a Grassley-led Finance Committe...
Tags: Books, Politics, Featured, Taxes, Education, Law, Congress, Senate, Tax, House, Iowa, Treasury, College Tuition, Tuition, Social Sciences, Vanguard

Practice Makes Perfect

A year or so ago I was at a wedding, and a very successful doctor started talking to me. I was very impressed with this doctor and already knew of him through several people before our meeting. He was involved in some fascinating and cutting-edge research I found quite interesting. I love meeting people who are passionate about their careers because they give off so much energy. People who achieve amazing and significant success in any profession always have a lot of passion for what they do. If...
Tags: Expertise, Florida, Featured, Learning, Education, Happiness, Careers, Los Angeles, Success, Harvard, United States, Yale, Arizona, Life Lessons, Automotive Industry, Practice

Donuts, dogs, and de-stressing: library programs to ease student stress

For most students, December is the most wonderful (read: stressful) time of the year. With final projects and exams nearing, students and librarians alike are gearing up for the anxiety-filled, coffee-fuelled days and nights ahead.To help prepare their patrons for the long hours of studying, writing, and prepping, librarians have created anti-procrastination, stress-relieving events that seek to ease the pain of the finals push. We chatted with librarians from the United States, United Kingdom, ...
Tags: Books, UK, Featured, Education, Canada, Exams, College Students, University of Toronto, Facebook Twitter, Toronto Canada, Loyola Marymount University, Michigan State University, United States United Kingdom, John Jackson, University Library, California US

12 Essay-Writing Hacks That Really Work

Writing essays can be difficult and time-consuming, and this can be stressful when you have looming deadlines for different subjects. However, we’ve put together several essay writing hacks that you can use to ensure that you finish your essay on time and that it looks neat and professional. Hire a Writing Service A writing service is a great way to get a professional and quality essay. Some services give you writing tips when you pay someone to write your paper , and you can use these tips ...
Tags: Google, Productivity, Featured, Microsoft, College, Wikipedia, Chicago, Lifehacks, Shakespeare, Romeo, Ama, Grammarly, APA, Twitter Facebook, MLA, Juliet

The Heart-Head-Hands Approach to Building Inclusive Classrooms (infographic)

Increasingly, teachers are being asked to adopt their classrooms to include students with a wide backgrounds and capabilities. The placement of students with diverse abilities in a regular school does not guarantee high-quality education, though. Schools often feel under-resourced and unprepared to teach the students. UNICEF conducted a study in 2012 that involved participant teachers from over one hundred countries and slightly over 33% of respondents indicated that information about inclusive ...
Tags: Books, Featured, Education, Australia, Infographic, Pedagogy, Unicef, Social Sciences, Inclusion, Online products, American Education System, College Education, Inclusivity, Oxford Research Encyclopedia, Nathan Dumlao, Education Research

Why major in dance? A case for dance as a field of study in universities in 2018

Parents, provosts, and authors of recent articles/discussion boards are questioning the purpose or viability for dance programs in contemporary university structures. An article in Dance USA from 2015 presents a narrow view of the role of collegiate dance. Understanding the wider lens on dance education, it can be an excellent path to career success. College programs in dance transcend training an elite artist/athlete. College training educates the student to become an artist/citizen with a dept...
Tags: Google, Books, Featured, Education, Dance, Yoga, Towson University, Brasileiro, Theatre & Dance, Twyla Tharp, Allegra Romita, Collegiate Dance, Dance Education, Dance Major, Functional Awareness And Yoga, Nancy Romita

AI Corporate Boon, Changing Ways of Working, Hurting for Skilled Staff

  According to Deloitte’s second State of the AI in the Enterprise report, one of the greatest concerns about artificial intelligence, a technology that is dominating hiring processes for 32 percent of responding firms, is the difficulty in hiring qualified staff to manage it. Of the 1,100 AI-early-adopter executives who participated in the just-released survey, […]
Tags: Technology, Featured, News, Education, Recruiting, Deloitte, Ai, Blockchain, Branding, Blog Posts, Sourcing, Talent Acquisition,, Careeer Search

Dilemmas of the Age of Innovation

We live in the age of scientific optimism. Tomorrow’s new knowledge will vastly expand our understanding of ourselves and our mastery of the world. The flip side of scientific optimism, however, is that today’s knowledge is fraught with gaps and errors of which we are not yet aware. Furthermore, knowledge and understanding do not always grow gradually like the rings of a tree. Conceptual jolts and surprises fill the history of discovery, invention and innovation: the world is not flat; the heave...
Tags: Books, Technology, Featured, Education, Big Data, Islamic State, Kindle, Digital, Book, Data, Children's Book, West, Amazon Kindle, Tablets, Al-qaeda, Mars

Humanities and scientific explanation: the need for change

For too long, presentations of science for the general public, and education in schools, has suggested that science wields a sort of hegemonic power, as if its terms and methods gradually replace and make redundant all other discourse; the only reason it has not yet completed its conquest is that the world is complicated—but it is only a matter of time…I think this way of understanding science is utterly misleading and wrong. I think it is already wrong within my own discipline (fundamental phys...
Tags: School, Books, Featured, Education, Physics, Architecture, University of Oxford, Newton, Science Education, Symmetry, Gcse, Arch, Unsplash, Los Banos, Archway, Science & Medicine

Consent on campus [podcast]

This episode of The Oxford Comment includes discussion of sexual assault. Listener discretion is advised.As students head back to university to start their fall semester, the conversation of consent will no doubt surround them on campus. But what can actually be defined as consent? Where do students learn what consent actually means? From the time of adolescence, students are taught the notion of consent, which impacts how they view the term in their later life.On this episode of The Oxford Comm...
Tags: Books, Featured, Education, Sexual Assault, College, Abuse, Sociology, Rape, Philosophy, Health & Medicine, Social Sciences, Consent, RAINN, Brendan Kiely, Science & Medicine, Arts & Humanities

Northeast India: a new literary region for IWE

It’s a young literature – this body of English writings from the eight states of India’s Northeast. Often evaluated in comparison with the rich tradition of Assamese literature (from the largest state in the region and going back several centuries) and overshadowed by the growing dominance of a ‘mainstream India-centred’ Indian writing in English, it began to emerge into the literary-critical scene at the turn of the 20th century, without a splash and with extreme modesty. A few texts here and t...
Tags: Books, Featured, Education, India, Rome, Literature, English, Journals, Delhi, Bangalore, Northeast, Shillong, Guwahati, Northeast India, Arts & Humanities, Arup Dutta

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