How Does a Reverse Mortgage Work – A Simple Explanation

Don Graves, President and Chief Conversation of the HECM Advisors Group. (Dedicated to helping advisors understand how Housing Wealth can positively impact retirement outcomes) shares with the Faculty and Staff at the American College of Financial Services. http://HousingWealth.net
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A simple narration and drawing for an explanation of how a reverse mortgage works by structure. Explains the different aspects of a reverse mortgage in general terms. Please note this is for educational purposes only and you should consult with an agent to assess your personal needs.

Thank you to Jeffrey Bangerter of WSB Mortgage Services for the content of the video. Please subscribe to his channel!
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How do credit-card rewards work?

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How credit agencies work

< param name ="flick"value ="// www.youtube.com/v/8BfasfTGwVc?color2=FBE9EC&version=3&modestbranding=1"/ > On Aug. 5, America’s credit scores ranking was reduced from AAA to a AA + by the scores firm Requirement & Poor’s. The adhering to Monday, the Dow Jones Industrials Average fell even more compared to five percent. That’s obtained individuals questioning specifically just what a scores agency is, as well as why it’s so powerful. Elderly Editor Paddy Hirsch clarifies.

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How To Get A $100,000 Visa with BAD Credit – The Power of Work

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Anybody who is struggling to start a business. Pay attention up, your organisation is an infant and also you obtained to feed it for some time before it feeds you! Hustle Camp will certainly give you abilities to foot the bill while you develop your organisation.
The more you put in the a lot more you go out. This is a self-paced course you can do on your time however do not anticipate the exact same outcomes as a person living the Hustle Camp life. One could do the training course in one to two hrs a day. Some that gets on is not mosting likely to check out the time, they will certainly be also active counting that loan.

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Many thanks

Glendon

How Do Debt Management Plans (DMPs) Work?

Today, I’m going over what debt management plans. I’ll go over what they are, how they work, and debunk a few myths that have been popping up around the Interwebs.

List of non-profit credit counseling agencies (I used Money Management International): http://www.needhelppayingbills.com/html/credit_counseling_agencies.html


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Credit Card LifeHack: How to travel anywhere for FREE with just a few minutes of work

Credit Card LifeHack: How to travel anywhere for FREE with just a few minutes of work

Also known as Credit Card Churning, one thing I’ve been doing for fun on the side is racking up credit card points. I’ve been able to fly to Canada to visit family multiple times for completely free, literally just by opening up a credit. I have enough points now to fly round trip first class to pretty much anywhere in the world, and stay a few nights at a world class resort, all for free, and this only took a few minutes of my time. Here’s how. Add me on Snapchat/Instagram: GPStephan

One thing most people don’t know – you can actually profit, quite a lot, from credit card sign up bonuses. Lets face it, credit companies make money off people who carry balances and don’t pay off their bill. The interest credit cards charge is astronomical and most people lose a ton of money every year to credit card interest payments. So to lure people in, credit cards will offer a sign up bonus. Usually if you spend a few thousand dollars in the first few months of opening a card, they’ll give you a certain amount of points- this is called the minimum spend. Once you hit the minimum spend, those points are deposited to your account and can be redeemed for travel, hotel, or sometimes it’s cash.

1. Credit Cards make money off people who charge money on the account and don’t pay it off in full. Do not be that guy (or girl) who keeps a balance on a credit card and pays interest. To do this effectively, charge the minimum spend needed to hit the bonus – with money you would have spent anyway – and pay it off in full.

2. This is not for beginners. If you’re just starting out, do not do this. This is meant for someone with already established credit history and a good credit score.

3. . This is not for people who can’t responsibly handle credit card. Do not buy things you wouldn’t ordinarily buy just because you have more credit.

4. Credit Card bonuses can be redeemed for free travel, free rental cars, free hotels, cash back…the possibilities are endless. It costs you nothing other than spending money you would already be spending, anyway.

5. The best ways to use these points is by transferring the points to an airline and then booking directly with the airline. Usually booking plane tickets through the credit cards portal offers you a lower rate.

Using this strategy, and browsing reddit, I’ve made thousands in points and gotten free airfare, travel, and hotels for free with almost no work. Do this correctly and you can continue building your credit while getting free stuff at the same time.

Favorite website:
www.Reddit.com/r/churning

My favorite cards:
1. American Express Gold – https://apply.uscreditcardguide.com/credit-card/amex-premier-rewards-gold/apply/?t=0 (Incognito mode for 50k offer)
2. American Express Platinum – https://goo.gl/7ZpUdr
3. Chase Sapphire Reserve
4. Chase Sapphire Preferred
5. Bank of America Cash Rewards – https://goo.gl/1xwB4B

For business inquiries, you can reach me at GrahamStephanBusiness@gmail.com

Suggested reading:
The Millionaire Real Estate Agent: http://goo.gl/TPTSVC
Your money or your life: https://goo.gl/fmlaJR
The Millionaire Real Estate Investor: https://goo.gl/sV9xtl
How to Win Friends and Influence People: https://goo.gl/1f3Meq
Think and grow rich: https://goo.gl/SSKlyu
Awaken the giant within: https://goo.gl/niIAEI
The Book on Rental Property Investing: https://goo.gl/qtJqFq
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Annual Credit Report Online Disputes Don’t Work || Credit Repair Tips and Tricks

https://609creditrepair.com/ Annual Credit Report Online Disputes Don’t Work || Credit Repair Tips and Tricks || Annual Credit Report Disputes Take 45 Days. Here’s the info you need to know when disputing and disputing online to fix your credit score.

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DOCUMENTARIES THAT CHANGED MY LIFE
Earthlings https://www.youtube.com/watch?v=C3j0LyysECA&feature=youtu.be
Cowspiracy: http://www.cowspiracy.com
Racing Extinction http://amzn.to/28ZTPEL
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Annual Credit Report Online Disputes Don’t Work || Credit Repair Tips and Tricks || Annual Credit Report Disputes Take 45 Days

Why credit monitoring and identity theft insurance don’t work

Are you paying Freecreditreport.com, Lifelock, or some other company to “protect your identity? Here’s why you should reconsider.

This is a 10 minute clip from my seminar: “Goodbye Identity Theft”. Be sure to check out my other video showing what actually DOES work.
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According to noted cybersecurity expert Adam Levin, credit monitoring, in conjunction with identity monitoring, can help you keep your identity and financial life secure. These services will be able to discover potential red flags that you would never be able to discover on your own. You need to know if you’re having a problem as soon as possible and have a plan ready if this should occur. Monitoring programs often are attached with resolution services that will help you if you do become a victim of identity theft. One important feature to look for in such monitoring services is instant alerts whenever there is activity on your accounts or if someone tries to open new accounts in your name.
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How Do Principal Payments Work on a Home Mortgage?

Please watch: “TOP 10 – Dave Ramsey Rants”
https://www.youtube.com/watch?v=yrBbWZuALgQ
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IN THIS VIDEO: Dave Ramsey, The Dave Ramsey Show, Financial Peace University, FPU, The Total Money Makeover, Retire Inspired, budget, envelope system, emergency fund, baby steps, radio show, debt freedom, EntreLeadership, mortgage, ELP, daveramsey.com, money, finance, economy, investing, saving, retirement, cash, mutual fund, stock market, business, leadership, credit

Understanding How Credit Scores Work And Impact Your Financial Well-being

Understanding how credit scores work is the beginning in maximizing or fixing damaged credit either with the assistance of a credit repair firm or on your own. First you would like to understand that the higher your credit score the better whether you’re looking for a brand new credit card, buying a mortgage or making an attempt to shop for a brand new or used vehicle. The higher your score the better risk you’re thinking-about once applying for any amount of credit. Knowing what goes into the calculation of your credit score and what will affect it either completely or negatively will assist you make the correct moves to maximize your score in the minimum amount of time. It’s important to acquire the free credit score report and review for any errors.

Here are some factors to assist you perceive how credit scores work. FICO (Fair Isaac Corporation) scores are a compilation of scores from the three credit reporting agencies Experian, TransUnion and Equifax. Each of the credit reporting firms has their own version supported different algorithms so the scores can vary. In addition not all companies that report their accounts report back to all 3 agencies. Equifax has what’s called a BEACON score, TransUnion has the EMPIRCA score and Experian uses a combination FICO risk analysis score. Recently the 3 agencies have cooked up a mixture score that only a few individuals use called the VantageScore and is available from Experian’s web site. Without the real Experian score you can face issues when obtaining a mortgage loan as you’ll not be able to maximize your middle score if Experian was your middle score. You are entitled to a free credit score report each year.

Thirty five % (35%) of your credit score is based on how often you pay your bills on time. Another thirty % (30%) relies on what quantity debt you have got in relevance how much credit you have – in other words your debt to credit ratio. Fifteen % (15%) is based on the length of your credit history. If you have got many accounts open longer than 10 years you’ll get additional points than having many new accounts. Ten percent (10%) is based on your mixture of credit – credit cards, mortgage, auto loan, revolving credit lines and installment credit lines. A decent combine can offer you additional points because it shows you have got a decent sense of the way to beware of your credit. New credit accounts for less than ten percent (10%) of your score.

Some of the items in learning how credit scores work is what’s left out once calculating your scores. Here could be a list of what’s not taken under consideration – your age, sex, or race. In addition how long you have been at your current job or how many jobs you have got had isn’t checked out. Your income, legal status, number of youngsters, or level of education is not considered. You may wonder if the number of times you have got been turned down for credit will affect your scores – it does not. Owning or selling your home, how long you have been at your current address or any listing is additionally not thought-about once calculating your credit scores.

Be in the group of credit titleholders! One you are in, you will also take credit of being in that group. Some of the items in learning How Credit Scores Work is what’s left out once calculating your scores. More Info – http://www.justbuildcredit.com/