IN THE PAST OBTAINING A SHORT TERM LOAN COULD BE DONE SO QUICKLY AND EASILY AND ALTHOUGH THESE TWO FEATURES REMAIN IN PLACE TODAY, THE OVERALL APPLICATION PROCESS HAS CHANGED QUITE DRAMATICALLY.
More Info: http://www.pacific-odyssey.co.uk
New Mortgage Fraud Scheme and Highest and Best Use Issue By Dave TowneBill Cobb, Appraiser
New Mortgage Fraud Scheme and Highest and Best Use Issue By Dave Towne
"Appraisers………
This may not affect you directly, but you should be aware of this new fraud situation. I decided to send this after talking with another appraiser about a potential assignment that might fall into the category the article below describes.
The appraiser was asked to appraise a SFR rental. Upon arriving at the property, doing the inspection, and observing the neighborhood, plus analyzing ownership of the undeveloped adjacent property owned by the same entity as the SFR, it became evident that the H&BU was actually more appropriately financially feasible and legally permissible, plus physically possible and maximally productive as a Multi-Family property. This is because properties to either side of the SFR are already MF per area zoning, as the changes to the area have been made over prior years.
When this situation was discussed with the client – prior to starting the report, the attempt was made to ‘force’ the appraiser to just accept the SFR assignment and ignore the completed H&BU analysis – as is required under USPAP and per the 1004 (and other) Form. The appraiser ultimately declined the assignment due to the client’s intimidation and coercion, and found out it was just given to another appraiser - probably to be done as a SFR.
Will the new appraiser do a thorough H&BU analysis or just ignore that aspect of responsibility? Who knows.
Will this property be part of the ‘Reverse Occupancy’ scheme as the Mortgage News Daily article explains? Also…who knows."
For many years the type of borrowing resource offered by payday loan lenders has been cleared into question by various consumer groups and consumers directly. Many have questioned exactly how the market place as a whole is able to realistically serve the needs of consumers and therefore offer a product worth having. A harsh assessment you will likely agree but not all that surprising.
New Mortgage Fraud Scheme and Highest and Best Use Issue By Dave TowneBill Cobb, Appraiser
New Mortgage Fraud Scheme and Highest and Best Use Issue By Dave Towne
"Appraisers………
This may not affect you directly, but you should be aware of this new fraud situation. I decided to send this after talking with another appraiser about a potential assignment that might fall into the category the article below describes.
The appraiser was asked to appraise a SFR rental. Upon arriving at the property, doing the inspection, and observing the neighborhood, plus analyzing ownership of the undeveloped adjacent property owned by the same entity as the SFR, it became evident that the H&BU was actually more appropriately financially feasible and legally permissible, plus physically possible and maximally productive as a Multi-Family property. This is because properties to either side of the SFR are already MF per area zoning, as the changes to the area have been made over prior years.
When this situation was discussed with the client – prior to starting the report, the attempt was made to ‘force’ the appraiser to just accept the SFR assignment and ignore the completed H&BU analysis – as is required under USPAP and per the 1004 (and other) Form. The appraiser ultimately declined the assignment due to the client’s intimidation and coercion, and found out it was just given to another appraiser - probably to be done as a SFR.
Will the new appraiser do a thorough H&BU analysis or just ignore that aspect of responsibility? Who knows.
Will this property be part of the ‘Reverse Occupancy’ scheme as the Mortgage News Daily article explains? Also…who knows."
For many years the type of borrowing resource offered by payday loan lenders has been cleared into question by various consumer groups and consumers directly. Many have questioned exactly how the market place as a whole is able to realistically serve the needs of consumers and therefore offer a product worth having. A harsh assessment you will likely agree but not all that surprising.
Oracle Primavera Challenges of the Dodd-Frank ActOracle Primavera
Driven by regulations from more than 22 agencies, financial services organizations are focused on meeting the demands of the Dodd-Frank Act...and the pressure is mounting.
For many years the type of borrowing resource offered by payday loan lenders has been cleared into question by various consumer groups and consumers directly. Many have questioned exactly how the market place as a whole is able to realistically serve the needs of consumers and therefore offer a product worth having. A harsh assessment you will likely agree but not all that surprising.
Oracle Primavera Challenges of the Dodd-Frank ActOracle Primavera
Driven by regulations from more than 22 agencies, financial services organizations are focused on meeting the demands of the Dodd-Frank Act...and the pressure is mounting.
For many years the type of borrowing resource offered by payday loan lenders has been cleared into question by various consumer groups and consumers directly. Many have questioned exactly how the market place as a whole is able to realistically serve the needs of consumers and therefore offer a product worth having. A harsh assessment you will likely agree but not all that surprising.
The Investment News is the monthly newsletter for Real Estate Professionals from Mid-America Association of Real Estate Investors based in the Kansas City Metro and serving the Real Estate Industry since 2003.
Within the online marketing for borrowing small loans there are two specific types of lenders who exist. These are known commonly as the direct lenders and the loan brokers. The difference between these two providers of small loans can mean a difference in the total amount payable.
Within the online marketing for borrowing small loans there are two specific types of lenders who exist. These are known commonly as the direct lenders and the loan brokers. The difference between these two providers of small loans can mean a difference in the total amount payable.
Within the online marketing for borrowing small loans there are two specific types of lenders who exist. These are known commonly as the direct lenders and the loan brokers. The difference between these two providers of small loans can mean a difference in the total amount payable.
Our full service stockbroking advisory solutions are designed to help investors maximise investment performance and effectively manage their portfolio and exposure
Wealth Management
A partnership between you and your adviser to understand your requirements, to determine an investment strategy, and to construct and manage a modelled investment portfolio
Azjatycka Świątynia z ładnie wykonanymi szczegółami i roślinnością na skałce. Dodatkowy otwór umożliwia swobodny przepływ ryb.
Visit Us: http://www.aquaimago.co.uk
According to studies conducted in America, aquarium fish are the second most popular pet in the U.S. with more than 7.4 million American households keeping aquarium fish.
More info: http://www.aquaimago.co.uk
In occurrences of putting out fires, there are substances that are generally utilized as a part of a request to lessen combustibility of fills or rather defers the burning.
Visit This Link: http://www.commercialpaintingservices.com
Momin’s (Believer’s) state is strange. No matter which state he is in, he gathers goodness only and this isn’t destined for anyone but a believer.
Go here: http://arrahman-arraheem.com
Roof coatings are not a cure-all that will redress each roofing issue chiefs experience, or viably draw out the life of each current roof coatings Ohio.
Discover more: http://www.commercialpaintingservices.com
We usually take being thankful as only verbal. We thank Allah (God) only when our prayers have been answered, when we feel blessed, when we accomplish our materialistic goals or when we achieve success in our lives.
The new simple wallet out of high resistance aluminium designed for your day-to-day life. Designed and Made in Austria.
More Info: http://www.wallum.eu
We can find many painting contractors in Michigan, but they all have some feature to stand out amongst themselves.
More: http://www.commercialpaintingservices.com
We usually take being thankful as only verbal. We thank Allah (God) only when our prayers have been answered, when we feel blessed, when we accomplish our materialistic goals or when we achieve success in our lives.
More: http://arrahman-arraheem.com
For those born in the 1980’s, you can still remember the fantastic childish days mostly spent wasting quarters at the local arcade.
Find out more: www.gameex.com
PaydayUK is the trading name of Instant Cash Loans Limited’s offering short term loans. Financial Conduct Authority is the regulator of PaydayUK.
More Info; http://www.trueblueloans.co.uk
Ein Umzug kann ein Anstoss sein, sich von all dem zu trennen, was Sie nicht mehr benötigen. Oft ist es aber schwer, Dinge zu entsorgen, die man jahrelang um sich gehabt hat.
Besuchen Sie Uns: http://kamoeko.ch
An introduction to the cryptocurrency investment platform Binance Savings.Any kyc Account
Learn how to use Binance Savings to expand your bitcoin holdings. Discover how to maximize your earnings on one of the most reliable cryptocurrency exchange platforms, as well as how to earn interest on your cryptocurrency holdings and the various savings choices available.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
2. THERE ARE DIFFERENT TYPES OF LOAN LENDERS
OPERATING WITHIN THE SHORT TERM LOANS
MARKET. THEY VARY IN THE TYPE OF PRODUCT THEY
OFFER AND ALSO THE ACTUAL SERVICE THEY
PROVIDE. IT IS IMPORTANT TO UNDERSTAND HOW
DIRECT LENDERS CAN PROVIDE A VERY DIFFERENT
SERVICE TO OTHER LENDERS OF A SEEMINGLY
SIMILAR NATURE.
3. THE CONCEPT OF BORROWING FROM A SHORT TERM
LENDER IS NO LONGER AN UNCOMMON
OCCURRENCE WITH MANY CONSUMERS REGULARLY
USING THIS MARKET TO SATISFY A MONTHLY
REQUIREMENT TO BOOST INCOME. SEVERAL YEARS
AGO THE IDEA OF USING SUCH A LOAN WAS
UNHEARD OF UNLESS THE SITUATION WAS
CONSIDERED EXTREME AND THE CONSUMER HAD
‘NO OTHER CHOICE’.
4.
5. THANKFULLY AS TIME HAS PASSED AND THIS TYPE OF
LENDING HAS BECOME MORE PUBLICLY
ACKNOWLEDGED, THE UNDERSTANDING OF WHAT IS
ON OFFER IS GROWING BUT AS I’VE SAID THERE IS
STILL A WAY TO GO BEFORE THE CONSUMER TRUST
IS FULLY SECURED.
6. SADLY THE MORE POPULAR PRACTICES OF SOME OF
THE OLDER AND DATED LENDERS MEANT EVEN THE
DIRECT LENDERS WERE BRANDED AS EXPENSIVE
AND NOT CONSUMER FRIENDLY IN THE PAST AND
FOR THE MOST PART THIS WAS VERY MUCH
JUSTIFIED.
7. IN THE PAST THE PRACTICES OF THESE LENDERS
WAS SHOWN TO BE AGGRESSIVE AND NOT IN
KEEPING WITH THE UNIVERSAL UNDERSTANDING
THAT A CUSTOMER SHOULD BE, AT THE VERY LEAST,
TREATED FAIRLY.
8.
9. THESE LENDERS DEMONSTRATED PRACTICES WHICH
WERE LESS THEN FAVOURABLE WITH IT’S
CUSTOMERS AND ULTIMATELY HELPED TO FORGE
BETTER REGULATIONS AND GUIDELINES WHICH
NOW FORM THE BASIS OF THE MARKET NOW IN
EXISTENCE. IN THE PAST THE ONE MONTH LOANS
ON OFFER WERE EXPENSIVE AND TOUGH, LET’S
EXPLORE WHY.
10. WHEN THE MARKET FIRST EXPLODED INTO LIFE
ABOUT 8 YEARS AGO THE LENDERS OF THE TIME
WERE IN CONTROL AND THANKS TO PROVIDING A
MEANS TO AN END (WHICH WAS THE CASE FOR
MOST CONSUMERS USING THEM) WERE ABLE TO
SET THE STANDARDS OF THE PRODUCT AS THEY
WISHED. THIS MEANT THINGS LIKE THE COST WERE
IN THE COMPLETE CONTROL OF THE LENDER. AN
EXAMPLE OF THIS IS HOW THE INTEREST WAS AND IS
TYPICALLY BILLED TO A ONE MONTH LOAN.
11. IN MOST CASES THE LENDER WOULD CHARGE A
STANDARD AMOUNT OF INTEREST FOR THE
AMOUNT BORROWED; WITHOUT TAKING INTO
ACCOUNT THE PERIOD OF TIME THE FUNDS WILL
ACTUALLY BE BORROWED FOR. GIVEN THAT SUCH
LOANS, AS THE NAME SUGGESTS, REQUIRES
REPAYMENT TO BE MADE ON THE FORTHCOMING
PAY DATE, THIS MEANT A CUSTOMER WITH THE
LOANS 15 DAYS WOULD PAY EXACTLY THE SAME AS A
CUSTOMER WHO HAS THE LOAN FOR 30 DAYS.
12.
13. THERE WERE OTHER SOMEWHAT UNFAIR COSTS
ASSOCIATED TO THESE LOANS, NAMELY FEES, OFTEN
THERE WAS A FEE FOR APPROVING OR DEPOSITING
THE LOAN, SUCH AS A £10.00 FEE IF A CONSUMER
WANTED THE FUNDS THE SAME DAY. OFTEN
LENDERS WOULD OFFER AND IN SOME EXTREME
CASES AUTOMATICALLY EXTEND A CONSUMERS
ACCOUNT AS WELL.
14. AN EXTENSION MEANT ONLY THE INTEREST
APPLICABLE WAS PAID AND THEN THE FULL
BALANCE, INCLUDING ANOTHER MONTH’S INTEREST,
WAS THEN DUE ON THE SUBSEQUENT REPAYMENT
DATE. THIS WOULD MEAN CONSUMERS COULD FOR
MONTHS ON END MAKE REPAYMENT AND NEVER
ACTUALLY REDUCE THE AMOUNT THEY OWE.
15. ALL IN ALL THE LOAN PRODUCT CLEARLY BECAME
DATED AND NEEDED SOME INTERVENTION FROM
GOVERNING BODIES TO ENSURE WHERE THE
PRODUCT WAS STILL BEING OFFERED, IT WAS FAIR
AND CONSUMER FRIENDLY. THESE ARE JUST SOME
EXAMPLES OF HOW THE PRODUCT ITSELF CAN
OPERATE BUT AS I SAID IT IS ALSO MASSIVELY
IMPORTANT TO UNDERSTAND OF THE REMAINING
LENDERS, WHO SHOULD BE USED BY CONSUMERS.
16.
17. THE FUNDAMENTAL DIFFERENCE BETWEEN A
DIRECT LENDER AND BROKERS ARE THAT DIRECT
LENDERS ARE RESPONSIBLE. THE OTHER LENDERS
AVAILABLE TEND TO BE LOAN BROKER. A BROKER
WILL ASSESS THE INFORMATION SUPPLIED IN THE
APPLICATION AND THEN SUGGEST OTHER SUITABLE
LENDERS; WHO HAVE ALREADY PREVIEWED YOUR
INFORMATION IN MOST CASES. THE BROKERS ARE
IN EFFECT THE ONES TO AVOID. THEY WILL
TYPICALLY CHARGE A FEE FOR THEIR SERVICE AND
THIS ‘SERVICE’ DOES NOT EVEN GUARANTEE A LOAN
WILL BE GRANTED.
18. THE FEE CAN BE UP TO £80.00 AND THIS IS
CHARGED AT THE POINT OF THEM SUBMITTING THE
SEARCH TO FIND THE CONSUMER A SUITABLE LOAN,
A COSTLY OPTION FOR SOMEONE WHO IS IN NEED
OF A SHORT TERM LOAN IN THE FIRST PLACE.
ULTIMATELY I THINK IT IS IMPORTANT CONSUMERS
ARE AWARE OF THE FACTS AND ARE ABLE TO MAKE
AN INFORMED DECISION REGARDING THEIR
BORROWING NEEDS, STICKING TO THE DIRECT
LENDERS WILL HELP IN THIS PROCESS.