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first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe A blog post from the Urban Institute published on Tuesday went in depth into the over $3 trillion in untapped home equity by seniors. Homeowner age 65 and older are unwilling to tap into the wealth of equity from their homes, due to various financial concerns. The data from Urban Institute is backed by Fannie Mae’s National Housing Survey, which found that 37 percent of senior homeowners feel concerned for their finances in retirement, and only 6 percent of seniors are interested into tapping into their home equity to address these concerns.Equity may be accessed through downsizing, forward or reverse mortgage products, or even indirectly by underspending on maintenance, yet seniors are unlikely to use mortgage products as a method of equity access. Out of the four primary mortgage channels for equity extraction—home equity lines of credit (HELOC), closed-end seconds, cash-out refinance loans, or Home Equity Conversion Mortgages—no channel had an origination rate greater than 4 percent, and only one, HELOCS, had a rate exceeding 1 percent.The low rate of equity access through mortgage products among seniors may be due to a desire to stay out of debt, or the increased number of seniors who stay in the workforce into old age. Additionally, poor financial literacy and complexity as well as the high costs of some mortgage products may steer seniors away from such products. These factors combined have led to a large, untapped amount of wealth.Experts Karan Kaul, Research Associate at The Urban Institute, Laurie Goodman, Codirector of the Urban Institute, and Patrick Simmons, Director at Economic and Strategic Research, list a few ideas in the blog post to help open access to home equity for seniors: improve reverse mortgage financial literacy, reduce the cost of reverse mortgages, improve access to credit, and explore new products and alternative approaches for equity extraction.The complete report by Karan Kaul and Laurie Goodman can be found here on Urban.org, and the blog post can be found here. The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Seniors Are Sitting on Trillions of Dollars Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Fannie Mae Home Equity mortgage 2017-02-28 Staff Writer Previous: Interest Rates Continue Trend Next: What are the Top and Bottom CBSAs? Home / Daily Dose / Seniors Are Sitting on Trillions of Dollars  Print This Post The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Tagged with: Fannie Mae Home Equity mortgage About Author: Staff Writer February 28, 2017 1,516 Views last_img read more


first_img This Video Will Soon Be Banned. Watch Before It’s… Plans underway for historic Pike County celebration Skip I’m a bit offended by the “lyrics” coming from the boom boxes on the roadway. I’m somewhat offended by couples that hug and kiss in public and young men whose underwear I don’t care to see and young girls whose “everything and all” I can’t bare to see.I would be offended when the cashier at the restaurant gives me the senior discount without asking but as long as I get the senior drink.Sometimes I’m kind of offended when people ask when I’m going to retire, or when I’m going to get a new car or dye my hair. And, it’s offending a little when I get calls about pre-need plans, reverse mortgages –whatever that is — rebates on walk-in bathtubs and supplies in brown paper packages delivered right to the door.All that could qualify for as offenders but none of it really bothers me a whole lot. I don’t lose sleep over it or dwell on it. Actually, I had to give a lot of thought to coming up with things that offend me.Then, right out of the blue, there surfaced this one thing that really offends me.When you get to be “our age” others younger by a flip of the calendar become placatory, especially waitresses.They call you names like Honey, Baby, Sugar, Doll, Darlin’, Sweet Baby, Doll Baby, Pumpkin’ Pie and Rosie Cheeks….and SweetieNow that offends me. I’d rather the waitress would say, “Where ya wanna sit, Aunt Bea?”Then, I wouldn’t be offended cause I’d be obliged to say, “Just anywhere you wanna put me, Sweetie.” And, the people at the buffet line who rake and scrape every last morsel of food out the pan and hand me the spoon.A big irritation is people who use their football “Touchdown!” and cheerleader voices in a restaurant. And, along those same lines, people that talk loud enough for St. Peter to hear them on their cell phones. Hee-Hawers need to be asked to leave, and nobody cares what anybody else has to say. Have you noticed that most folks, and this is important, most folks LISTEN to TALK. When someone else is talking most folks are not listening. They are thinking what they are going to say. Watch what I say.I could list a lot more things that irritate me but I was trying to find things that offend me so I could be hip.I thought of a few. Latest Stories Remember America’s heroes on Memorial Day To be hip in today’s world, it seems the going thing is to be offended.So, I’ve been thinking, if I’m going to be a part of this world, I need to find something that offends me.But the things that come to mind are things that irritate me, not offend me. Don’t call me ‘sweetie’ anymore Sponsored Content Email the author By Jaine Treadwell Like when I’m near the front of the checkout line and have been waiting since Noah built the ark. Then, they open another register, and the clerk says, “I’ll take someone over here” and those who just tagged on the end of the line rush over and leave me standing there  … still waiting.Or when the person ahead of me in line waits until the clerk announces the charges for the purchase before they open their pocket book and start roaching around for their money. They act as if having to pay for that buggy load of items was a complete surprise.Then, there are drivers who pull their automobiles right out in front of me and then turn back off on a dime. And, those who blow their horns when I’m stuck at the drive-thru like there’s somewhere for me to go. Book Nook to reopen Print Article By Secrets Revealed Pike County Sheriff’s Office offering community child ID kits Published 3:00 am Saturday, August 15, 2015 You Might Like Circus over substance The first presidential debate of 2016 is now in the books. It says something about the quality of the major… read more Troy falls to No. 13 Clemson Around the WebMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthRemember Them? I’m Sure Their New Net Worth Will Leave You SpeechlessbradofoThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more


first_img“I didn’t expect to work on film music at first,” says music graduate student Hannah Lewis, “but I became fascinated by the intersections between music and visual media, especially the transition from silent to synchronized sound film.“The role of music in film changed completely. When there was a live orchestra, organ, or piano accompanying silent film, the experience of movie-going was partially a live experience. Once there was synchronized sound, the experience was entirely mediated, which meant that the spectator’s film-going experience was very different. But it also meant that the director suddenly had more control over music. Music could become an essential component of a film from its conception.”Sound film practices had basically solidified by 1934, leaving a brief eight years from the advent of synchronized sound to the time when sounds in movies most often took the “realistic” narrative form we are accustomed to. It is this brief period of experimentation that has become the focus of Lewis’ dissertation.“There was an aesthetic unsettledness at that time; people understood music’s role in different ways. There wasn’t yet the assumption that we must see someone and hear his or her voice at the same time to seem natural. There could be an artificial connection. Clair, for example, filmed a chase scene to which he added the sound of crowds cheering at a rugby match. There was no attempt to represent reality; the sound made its own statement separately from the image.”last_img read more


first_img 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Stuart R. Levine Founded in 1996, Stuart Levine & Associates LLC is an international strategic planning and leadership development company with focus on adding member value by strengthening corporate culture.SL&A … Web: www.Stuartlevine.com Details Governance best practices will energize your credit union and assist the board and senior management in carrying out their duties. Good governance goes beyond ethical behavior and following procedures. It ensures that the credit union is focused on sustainable long-term value creation for members and other stakeholders, including employees and the communities served. Actionable elements of good governance lead the board and management to support and maintain a healthy culture based on values and trust. Good governance means fostering a collegial relationship of trust and open, candid dialogue among the board, the CEO and senior management. This sets the tone at the top for a healthy culture, where honest robust discussion ensues at all levels of the organization, and where listening and collaborating become part of the fabric of the culture. Good governance charges the board of directors with oversight of management, monitoring company performance, and preparing for senior management succession. Beyond the minimum requirements, however, a highly performing board can provide an informed and appropriate level of partnership in strategic planning and strategy implementation that assures clarity, alignment, inclusion and buy-in throughout the organization. The board then is not just the evaluator of senior management, but an advisor and strategic partner with them. Governance best practice finds the board and management clearly articulating the company’s purpose and values and guarantees that the organization is true to them. Values can make the difference between having the people with skills needed to implement your strategy versus watching them go elsewhere. More than ever before, talented people want to work at a company that shares their values, is true to those values, where leadership lives those values, and where the culture is defined by caring about all stakeholders, including the members, employees, and the community. Following best practice, every director needs a thorough understanding of the credit union’s business. They understand how the credit union maintains its financial health, its revenue stream, its profit ratios and its balance sheet. Yet, the success of the strategy for financial health and growth is not measured only in financial terms, but in member service improvement, and value provided to the community. Directors understand the credit union’s business risks, including cybersecurity issues, disruption from new technologies, regulatory and economic demands, political uncertainty, and managing and protecting the organization’s reputation. Performance evaluation guides directors by identifying and strengthening areas of weakness in the board. The board evaluates the performance of individual directors, the full board, and board committees on a regular basis, generally annually. Externally facilitated evaluations from time to time assure that the board receives an independent view. Continuous learning on issues facing the credit union means more than just attending board meetings. Best practice starts with robust orientation for new directors and regular and thorough on-going, in-depth learning for all directors. Seminars, tutorials, facilitated meetings, and site visits that give directors access to the workforce, all enhance director education. External experts, such as independent counsel and trusted experienced consultants bring a level of external perspective and the best current thinking and practice. Their support offers the directors and the leadership team the confidence that they are accessing the knowledge resources they need to address the complicated, industry-wide challenges that continuously barrage the organization. Good governance is the board’s and management’s duty, and it is also good business.last_img read more


first_imgLamar Jackson’s backup is back.The Ravens have agreed to bring back Robert Griffin III on a two-year deal, the team announced Thursday.  John Elway says 34-year-old QB Joe Flacco is ‘just getting into his prime’ Griffin went 2 of 6 for 21 yards for Baltimore last season after sitting out all of 2017. The team carried three quarterbacks during the year to prevent losing Griffin as he was a good presence in the locker room for Jackson, according to NFL Network. Related News We have agreed in principle on a two-year contract with QB Robert Griffin III, pending the passing of a physical. @RGIII is staying in Baltimore! 🙌 pic.twitter.com/92Id3Ue0Ct— Baltimore Ravens (@Ravens) March 21, 2019Baltimore brought in Griffin on a one-year contract last season to serve as Joe Flacco’s backup and as a temporary safety blanket for Jackson as the rookie learned the offense.last_img read more

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