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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>rcbvfms.info</title> <atom:link href="http://rcbvfms.info/feed" rel="self" type="application/rss+xml" /> <link>https://rcbvfms.info</link> <description></description> <lastBuildDate>Wed, 19 Apr 2023 16:50:19 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>VA Home Loans With 100% Financing For Veterans and Active Military Members</title> <link>https://rcbvfms.info/va-home-loans-with-100-financing-for-veterans-and-active-military-members,html</link> <comments>https://rcbvfms.info/va-home-loans-with-100-financing-for-veterans-and-active-military-members,html#comments</comments> <pubDate>Wed, 19 Apr 2023 16:50:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[ai photography]]></category> <category><![CDATA[digital photography]]></category> <category><![CDATA[ed sheeran photograph]]></category> <category><![CDATA[film photography]]></category> <category><![CDATA[landscape photography]]></category> <category><![CDATA[landscape photography tips]]></category> <category><![CDATA[landscape photography tutorial]]></category> <category><![CDATA[learn photography]]></category> <category><![CDATA[lyrics photograph]]></category> <category><![CDATA[outdoor photography]]></category> <category><![CDATA[photograph]]></category> <category><![CDATA[photograph lyrics]]></category> <category><![CDATA[photography]]></category> <category><![CDATA[photography for beginners]]></category> <category><![CDATA[photography ideas]]></category> <category><![CDATA[photography lessons]]></category> <category><![CDATA[photography tips]]></category> <category><![CDATA[photography tutorial]]></category> <category><![CDATA[street photography]]></category> <category><![CDATA[street photography basics]]></category> <category><![CDATA[street photography tips]]></category> <category><![CDATA[travel photography]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=64</guid> <description><![CDATA[I thought it would be prudent to discus some of the outstanding benefits of the VA Home loan program at the time when the banks in our country are going through an exceptionally difficult time thereby, hindering numerous home buyers from obtaining mortgage financing without perfect credit and a down payment. Currently the VA home [...]]]></description> <content:encoded><![CDATA[<p> I thought it would be prudent to discus some of the outstanding benefits of the VA Home loan program at the time when the banks in our country are going through an exceptionally difficult time thereby, hindering numerous home buyers from obtaining mortgage financing without perfect credit and a down payment. Currently the VA home loan as I like to say is “the last of the Mohicans” in regards to 100% financing for home purchase and now refinance.In the past few years we’ve seen both conventional loans and FHA loans tighten their credit and down payment requirements. At the time of this article both programs require 3% down as a minimum down payment. FHA will begin to require 3.5% down starting in January 1, 2009. Not only that but each require expensive monthly mortgage insurance premiums to insure the lenders in case of loan default (think of it as foreclosure insurance), with premiums on the rise.That takes us back to some of the main advantages of the VA home loan.The VA mortgage loan is 100% financing with no down payment required.<br />As of the middle of 2008 the maximum loan amount is now dependent on the Freddie Mac county specific loan limits. Some high cost counties in California and New York for example can have limits as high as $729,500 with zero down.<br />No monthly Mortgage Insurance Premiums. This is a huge benefit and can save veteran’s possibly hundreds of dollars a month depending on loan size and credit score.<br />No prepayment penalty.<br />Credit flexibility – perfect credit isn’t required but poor credit borrowers will still have obstacles<br />Interest rates are competitive with conventional loans<br />New – VA refinance cash out rules have just been updated so that homeowners can refinance up to 100% of the value of their home. Previous to this it had been capped at 90%.There several advantages and really too many to list, but if you are an eligible veteran and thinking of purchasing or refinancing your existing mortgage. You need to at least explore the VA home loan option before you make your mortgage decision. I suggest you speak with a VA Lender that specializes in VA financing. Many lenders out there may have the ability to close a VA loans but the underwriting guidelines are very confusing and problems can arise with inexperience loan officers. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/va-home-loans-with-100-financing-for-veterans-and-active-military-members,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Beginners Photography – Digital Photography Tips For Beginners</title> <link>https://rcbvfms.info/beginners-photography-digital-photography-tips-for-beginners,html</link> <comments>https://rcbvfms.info/beginners-photography-digital-photography-tips-for-beginners,html#comments</comments> <pubDate>Wed, 19 Apr 2023 12:56:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[ai photography]]></category> <category><![CDATA[digital photography]]></category> <category><![CDATA[ed sheeran photograph]]></category> <category><![CDATA[film photography]]></category> <category><![CDATA[landscape photography]]></category> <category><![CDATA[landscape photography tips]]></category> <category><![CDATA[landscape photography tutorial]]></category> <category><![CDATA[learn photography]]></category> <category><![CDATA[lyrics photograph]]></category> <category><![CDATA[outdoor photography]]></category> <category><![CDATA[photograph]]></category> <category><![CDATA[photograph lyrics]]></category> <category><![CDATA[photography]]></category> <category><![CDATA[photography for beginners]]></category> <category><![CDATA[photography ideas]]></category> <category><![CDATA[photography lessons]]></category> <category><![CDATA[photography tips]]></category> <category><![CDATA[photography tutorial]]></category> <category><![CDATA[street photography]]></category> <category><![CDATA[street photography basics]]></category> <category><![CDATA[street photography tips]]></category> <category><![CDATA[travel photography]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=58</guid> <description><![CDATA[If you want to grow in beginners photography or digital photography you are going to want some beginners photography tips. Digital photography, especially when using an SLR, is a whole new world. Here are some photography tips for beginners photography that I think will help get you going in the right direction.Choose a CameraSelecting an [...]]]></description> <content:encoded><![CDATA[<p> If you want to grow in beginners photography or digital photography you are going to want some beginners photography tips. Digital photography, especially when using an SLR, is a whole new world. Here are some photography tips for beginners photography that I think will help get you going in the right direction.Choose a CameraSelecting an SLR can be confusing. Websites and forums or companies like B&H Photo can help you select one that fits your specific use, whether it is personal or professional.Learn the BasicsThere are some basic rules in beginners photography that will help start you on the path to becoming successful in digital photography. The first is to learn the relationship between aperture and shutter speed in exposure. In digital photography, the aperture controls the size of the opening in the lens, and the shutter speed controls how long the shutter is open. To get the right amount of light, you need to control these two settings properly. A really wide opening along with leaving the shutter open for too long makes your photo too exposed to light and it will look washed out and colorless. The opposite is also true. Using your manual, learn how to change these settings to let the right amount of light into the lens.Practice, Practice, PracticeOnce you have got your camera and have learned the beginners photography basics, you need to go out and practice. This process can be long and frustrating, but stick with it and don’t give up! The more you practice, the more you will learn from them. Websites like digital-photography-school.com have forums where you can have your photos critiqued and learn from suggestions from professional photographers.Start Making MoneyOnce you have down the basics and have practiced and received advice from professionals, use your digital photography skills to start making some additional income. Find websites, forums and other resources that will allow you to use your newfound beginners photography skills to generate some supplemental income under my website listed below. Even people with just beginners photography skills can earn some extra income by learning the basics and practicing. </p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/beginners-photography-digital-photography-tips-for-beginners,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Top 3 Reasons Small Businesses Fail at Marketing</title> <link>https://rcbvfms.info/top-3-reasons-small-businesses-fail-at-marketing,html</link> <comments>https://rcbvfms.info/top-3-reasons-small-businesses-fail-at-marketing,html#comments</comments> <pubDate>Tue, 28 Mar 2023 12:51:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=56</guid> <description><![CDATA[I often speak to groups of small business owners and I keep hearing the same comment over and over again with many of them saying that marketers don’t matter or marketing doesn’t matter anymore.There are many reasons I’ve heard as to why marketing doesn’t matter: “all my business comes by referral,” “I never spent money [...]]]></description> <content:encoded><![CDATA[<p> I often speak to groups of small business owners and I keep hearing the same comment over and over again with many of them saying that marketers don’t matter or marketing doesn’t matter anymore.There are many reasons I’ve heard as to why marketing doesn’t matter: “all my business comes by referral,” “I never spent money on marketing and my business grew,” “marketing is a waste of money,” “I see no value in marketing,” “marketing is all luck so why spend money on it,” and so on.Oh, how they are so very wrong! Below are the top 3 reasons why:1. Their definition of marketing is wrongWhen business owners tell me that marketing doesn’t matter, they usually have a totally different understanding of what marketing is than those who recognise how marketing contributes to business goals where it enables you to charge the most money you can for your services and products.Marketing is first about spending time building a solid foundation based on strategy before proposing a series of tactics aimed at lifting sales. Until the business finds a way to change the context of how their ideal customer views what they do, and then becomes become the obvious choice provider, they’ll find that their marketing efforts never seem to build momentum or gain any return on investment.You must be able to enter the conversation taking place in the head of your customers. Or, to look at it in a different way, to be able to address the number one question on your customer’s mind at exactly the right time.So, how do you do this? The conversation that is taking place in every prospective customer’s mind revolves around two major points. There is a problem they have, and that they don’t want… and there is a result that they want, and they don’t have.Those who often misunderstand marketing believe that it is only about advertising campaigns, brochures, flyers, website, email marketing, SEO, tradeshows, social media, copy, etc. These are the tactics – the way you implement your marketing. I’d argue that marketing is essentially the core of business strategy because it is about understanding the current customer, tapping into their fears, their goals and their aspirations and then creating products and services that the ideal customer is willing to buy from a brand they now they know, like and trust.2. They believe either they or their co-worker can do itSometimes in the “do it all yourself” world of small business (or even big business when it comes to it), it’s difficult to identify the areas that require outside help. A business may be able to set up their newsletter, add plugins to WordPress, write a Facebook or LinkedIn post, and clumsily create header graphics, but you need somebody who is trained, practiced, and skilled at looking strategically and holistically at the marketplace, understanding the customer, and then creating unique opportunities based on this understanding.Just think about it for a minute; just because you have a calculator and excel does that mean you are an accountant? If you have a ruler, pencil and have watched some episodes of Grand Designs – does that make you an architect? If you post regularly to your friends on Facebook and Instagram – does that mean you are a social media expert?So why do small businesses believe that by buying a Mac and some software they will become a designer, marketer and communications expert?It needs to be led by a strategic marketer who can then develop an integrated marketing approach. Can you or your co-worker do this? In some cases, you can. But those who can are most likely to either come from marketing or consulting backgrounds where they have transferable skills and experience defining AND delivering against a growth strategy.If you are a small business, you need somebody who will have a very solid, process, streamlined, consistent, repeatable approach. First, they will research and learn about your company in great depth, the dynamics of the marketplace and identify shifts, trends, and changes. From there, the strategic marketer will be able to present the different elements of your marketing plan in logical order of how you should construct them, update them, or revise them; and identify the key areas you should be focusing on – be it generating leads, converting leads, increasing transactions right down to changing prices.3. They hire the wrong marketing helpThere is a huge misunderstanding around marketing strategy, marketing tactics, and marketing execution.There is a difference between being strategically capable, creatively capable and executionally capable.Small business owners don’t hire a strategic marketing coach/firm to develop creative graphics and headers; nor should you hire an advertising/graphic design agency to handle marketing strategy. A small business doesn’t need to hire a consultant or a firm who is a strong marketing executor when their biggest need is a strategy for sustainable growth. You may get more attention, but not the best results. </p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/top-3-reasons-small-businesses-fail-at-marketing,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Benefits of Ecommerce Web Design</title> <link>https://rcbvfms.info/the-benefits-of-ecommerce-web-design,html</link> <comments>https://rcbvfms.info/the-benefits-of-ecommerce-web-design,html#comments</comments> <pubDate>Mon, 27 Mar 2023 18:14:24 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=54</guid> <description><![CDATA[Recent studies indicate that now is a good time to design an Ecommerce website. Ecommerce business is having a very positive impact on the UK economy. After the global recession many business owners and shopkeepers discovered the benefits of using the Internet as a business platform.Web Designtechnology is continually evolving and shaping the way in [...]]]></description> <content:encoded><![CDATA[<p> Recent studies indicate that now is a good time to design an Ecommerce website. Ecommerce business is having a very positive impact on the UK economy. After the global recession many business owners and shopkeepers discovered the benefits of using the Internet as a business platform.Web Designtechnology is continually evolving and shaping the way in which we conduct business. What is Ecommerce? Ecommerce refers to the buying or selling of products and services via the Internet. This exciting form of online commerce has revolutionised the retail industry so let’s take a look at some of the benefits associated with Ecommerce.1) Reach a bigger audience.<br />We all know how important physical location is in terms of the retail industry. The physical location of your shop will determine the amount and type of customers viewing and purchasing your products and/ or services.Worldwide Internet usage has grown with 444.8 %since 2000and one of the benefits of having an ecommerce website is its potential to reach a wide audience. The Internet enables businesses to showcase their products or services to an extensive online audience. (Internet World Stats)2) Sell Your Product From Anywhere…<br />An Ecommerce web design enables you to sell and market your product from anywhere in the world. Today’s automated shopping cart and payment gateway systems have eliminated the need for one-on-one customer interaction. An ecommerce website will sell your products for you, requiring little to no physical supervision on your part. Products are catalogued, stocked, labelled and ordered electronically.3) Sell Your Products Anytime…<br />Ecommerce websites enable you to sell your products or services 24/7. This digital retail process minimises or even eliminates processing errors and time delays.The strategic benefit of an Ecommerce enabled business is that it reduces the delivery, resource and labour time associated with traditional retail. An Ecommerce CMS will automatically cover the following administrative areas in your business: </p><p>Document preparation<br />Error detection and correction<br />Reconciliation<br />Mail preparation<br />Communication<br />Data entry<br />4) Saving time – Saving money:<br />One of the biggest selling points of Ecommerce Web Design is its ability to save you time and evidently money. Ecommerce business requires less maintenance, less staff, less time.From the buyer’s perspective, Ecommerce also has a few additional advantages such as:</p><p>Increased search efficiency<br />More comprehensive purchase information<br />Decreased time expenditure for resolving invoices and order discrepancies<br />Higher selection with greater visibility<br />When considering whether to design an Ecommerce website, take all of these facts into consideration. We’ve also written an article specifically on E-commerce websites and the UK economy. You can find this under the LILO article section. </p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/the-benefits-of-ecommerce-web-design,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Mortgage Direct Mail – Understanding the Risks of Creating Mortgage Advertisements</title> <link>https://rcbvfms.info/mortgage-direct-mail-understanding-the-risks-of-creating-mortgage-advertisements,html</link> <comments>https://rcbvfms.info/mortgage-direct-mail-understanding-the-risks-of-creating-mortgage-advertisements,html#comments</comments> <pubDate>Mon, 27 Mar 2023 16:31:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=52</guid> <description><![CDATA[There can be a lot of risk in sending out mortgage advertisements in today’s market. If you are thinking about preparing a piece which offers certain loan products that your company offers, you need to have an understanding of the rules that apply to mortgage advertising. Although the rules vary by state, it is helpful [...]]]></description> <content:encoded><![CDATA[<p> There can be a lot of risk in sending out mortgage advertisements in today’s market. If you are thinking about preparing a piece which offers certain loan products that your company offers, you need to have an understanding of the rules that apply to mortgage advertising. Although the rules vary by state, it is helpful to review what rules some states have issued concerning the marketing of mortgage loans.Here’s an example of a restricting statute from Connecticut’s Non-depository First Mortgage Lenders and Brokers statute that closely regulates the advertisement of mortgage loans:Sec. 36a-497: (Formerly Sec. 36-440l). AdvertisementsNo person licensed pursuant to section 36a-489 shall:(1) Advertise or cause to be advertised in this state, any first mortgage loan in which such person intends to act only as a first mortgage broker unless the advertisement includes the following statement, clearly and conspicuously expressed: BROKER ONLY, NOT A LENDER; or(2) In connection with an advertisement in this state, use(A) a simulated check(B) a comparison between the loan payments under the first mortgage loan offered and the loan payments under a hypothetical loan or extension of credit, unless the advertisement includes, with respect to both the hypothetical loan or extension of credit and the first mortgage loan being offered, the interest rate, the loan balance, the total amount of finance charges, the total number of payments and the monthly payment amount that would be required to pay off the outstanding loan balance shown(C) representations such as “verified as eligible”, “eligible”, “preapproved”, “prequalified” or similar words or phrases, without also disclosing, in immediate proximity to and in similar size print, language which sets forth prerequisites to qualify for the first mortgage loan, including, but not limited to, income verification, credit check, and property appraisal or evaluation; or(D) any words or symbols in the advertisement or on the envelope containing the advertisement that give the appearance that the mailing was sent by a government agency.As can be seen by a close reading of Connecticut’s advertisement law, this state places many limitations on what you can and cannot do when you advertise mortgage loans to Connecticut borrowers.For example the Connecticut law contains the following rules:1. When acting as a broker, your ad must state “BROKER ONLY, NOT A LENDER”2. You can’t use a “simulated check” in your mailer piece sent to Connecticut borrowers.3. If you are doing a comparison of loan payments between two loan scenarios, you must also state for both examples: 1) interest rate, loan amount, total finance charges, total number of payments (loan term), and the monthly payment required to pay off the entire loan amount.4. If you tell the consumer that he or she is “Verified as Eligible”, “Eligible”, “Preapproved”, or “Prequalified” – then you must also (in same area of the mailer and similar font size) state what the required conditions are to qualify for the loan such as income verification, credit check, and property appraisal. Note that some states (Virginia for example) will not let you write “Preapproved” on your mailer unless you have already done a complete underwriting review of the recipient’s loan application.5. You can’t make your ad look like it is coming from the government.We chose to show you this Connecticut statute because the above rules, although not required by each state in the USA, are good rules of thumb. Please check each state’s law for more information before considering any mailer campaign into that state.Another state recently enacted rules restricting advertising of licensed lenders and brokers in the state of Idaho:(From Idaho Rules Pursuant to Idaho Residential Mortgage Practices Act)12.01.10.040.: Deceptive Advertising (Rule 40)01. Advertising. Advertising means making or permitting to be made any oral, written, graphic or pictorial statements, in any manner, in the course of the solicitation of business. Deceptive advertising is defined to include the following practices by a licensee, or a person required to be licensed under the Act:a. Making a representation or statement of fact in an advertisement if the representation or statement is false or misleading, or if the licensee does not have sufficient information upon which a reasonable belief in the truth of the representation or statement could be based.b. Advertising without clearly and conspicuously disclosing the licensee’s business name.c. Engaging in bait advertising or misrepresenting, directly or indirectly the terms, conditions or charges incident to the mortgage loan being advertised. Bait advertising, for these purposes, means an alluring, but insincere offer to procure, arrange, or otherwise assist a borrower in obtaining a mortgage loan on terms which the licensee cannot, does not intend, or want to provide, or which the licensee knows cannot be reasonably provided. Its purpose is to switch borrowers from obtaining the advertised mortgage loan product to obtaining a different mortgage loan product, usually at a higher rate or on a basis more advantageous to the licensee.d. Advertising an address at which the licensee conducts no mortgage brokering or lending activities or for which the licensee does not hold a license.e. Advertising in a manner that has the effect of misleading a person to believe that the advertisement or solicitation is from a person’s current mortgage holder, a government agency, or that an offer is a limited opportunity when such is not the case.Idaho Rules Pursuant to Idaho Residential Mortgage Practices Act, § 12.01.10.040, et. seq.These Idaho rules also reflect the general ideas that “Deceptive Advertising” will not be tolerated within their state.Idaho regulates deceptive advertising by prohibiting:o False representationo “blind” advertising (not including your company’s licensed name in the ad)o Engaging in “Bait Advertising” – sometimes referred to as “Bait and Switch”o Advertising using a false address or an address for a location that is not properly licensed by the stateo Advertising so that the ad looks like it comes from the government, from the consumer’s current lender/servicer, or that the loan scenario is a “limited opportunity”We provide you with these two statutes to give you an idea of how the states attempt to regulate your advertising practices. Note that almost every state will have some sort of statute or rules regulating advertising. Nonetheless, you should obtain and review a copy of the advertising rules from each of the states in which your intend to perform direct marketing. </p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/mortgage-direct-mail-understanding-the-risks-of-creating-mortgage-advertisements,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Choosing an NMLS Mortgage License Education Course Provider</title> <link>https://rcbvfms.info/choosing-an-nmls-mortgage-license-education-course-provider,html</link> <comments>https://rcbvfms.info/choosing-an-nmls-mortgage-license-education-course-provider,html#comments</comments> <pubDate>Wed, 22 Mar 2023 04:44:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education & Reference]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=50</guid> <description><![CDATA[Every Mortgage Loan Originator licensed in the United States must complete Pre-License Education in order to obtain a license and Continuing Education each year in order to renew the license. There is a federal mandate that each state require at least 20 hours of Pre-License Education and at least 8 hours of Continuing Education each [...]]]></description> <content:encoded><![CDATA[<p> Every Mortgage Loan Originator licensed in the United States must complete Pre-License Education in order to obtain a license and Continuing Education each year in order to renew the license. There is a federal mandate that each state require at least 20 hours of Pre-License Education and at least 8 hours of Continuing Education each year after the license is approved. And many states have decided to require additional “state-specific” Pre-License and Continuing Education on top of the federal mandated minimum requirement. If a Loan Originator obtains licenses in many states, there could be a lot of Continuing Education required each year, which brings us to our main topic. How do you choose a Mortgage License Education Course Provider that can make this process as simple and painless as possible?Availability of Courses – Each Mortgage License Education Course Provider must get their courses approved through the NMLS (Nationwide Mortgage Licensing System). Some Course Providers only get the main 20 hour Pre-License Education and 8 hour Continuing Education, so if you are licensed in any states that require state-specific education, you’ll have to do that part with another Course Provider. Most Course Providers only get some of the state-specific education approved for the larger states, because it is very time consuming to get approved and maintain if they don’t have enough customers taking the courses. Very few Course Providers get the state-specific Mortgage License Education Courses approved by the NMLS in every state that requires it. If licensed in many states, it is best to find one of these few Course Providers that offer all courses.Course Formats – The Course Providers are able to provide Pre-License Education in 3 formats: Classroom, Webinar, and Online Instructor-Led. Classroom is a live course in-person. Webinar is a live course via a webinar online. And Online Instructor-Led, which is by far the most popular, is an online course at your own pace with a small amount of instructor involvement to meet the NMLS requirement that there be interaction between the student and the instructor. Due to the instructor interaction, the Online Instructor-Led courses must be done within a certain window of time. Usually 2 days for a few hour course up to 12 days for a 20 hour course. For the Continuing Education, Course Providers are able to offer all of the same course formats as the Pre-License Education plus an Online Self-Study format. The Online Self-Study format is virtually identical to the Online Instructor-Led format, except that there is no window of time that the course must be completed in and there is no instructor interaction. For most people, the Online Self-Study format would be the best option for the Continuing Education. Not all Course Providers offer all Course Formats, so you will want to find a Course Provider that offers the formats you prefer.Technology Platforms – Specifically for the most popular Course Formats, Online Instructor-Led for the Pre-License Education and Online Self-Study for the Continuing Education, the technology platform of the Mortgage License Education Course Provider is critical to making the process smooth. The NMLS has specific guidelines on how the Education Course must operate regarding timing of the course, instructor interaction, timing out after a certain period of inactivity, verifying that the person taking the course is the actual Loan Originator, etc. However, the Course Providers have a lot of flexibility in making the compliance with these requirements as painless as possible. There is a huge difference between Course Providers so you may even want to ask to test their systems out before purchasing courses, especially if you are licensed in a lot of states or are making the decision of what Course Provider to use for many Loan Originators.Customer Service – In my experience, this is by far the most important factor. Issues will come up such as courses not reporting to the NMLS properly, course windows ending before the course is completed and the need to reschedule, questions about what Mortgage License Education Courses are required for a new license or continuing education to renew your Loan Originator Licenses, or even just issues navigating their website. When these issues come up, you want to have someone at their office that always answers the phone during normal business hours so you can quickly resolve these issues. I have found that not all Education Course Providers have the same excellent customer service that you would expect. This is critical. If you start finding that the responses from customer service are slow or inadequate, then it is probably time to start looking for a new NMLS Mortgage License Education Course Provider. </p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/choosing-an-nmls-mortgage-license-education-course-provider,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://rcbvfms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html</link> <comments>https://rcbvfms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html#comments</comments> <pubDate>Wed, 22 Mar 2023 04:06:08 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Education & Reference]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=48</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>An Inside Look at the Importance of a Smile in Sales</title> <link>https://rcbvfms.info/an-inside-look-at-the-importance-of-a-smile-in-sales,html</link> <comments>https://rcbvfms.info/an-inside-look-at-the-importance-of-a-smile-in-sales,html#comments</comments> <pubDate>Tue, 18 Oct 2022 06:26:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auctions]]></category> <category><![CDATA[Audio Streaming]]></category> <category><![CDATA[Banner Advertising]]></category> <category><![CDATA[Blogging]]></category> <category><![CDATA[Businesses Online]]></category> <category><![CDATA[E Books]]></category> <category><![CDATA[Ecommerce]]></category> <category><![CDATA[Forums]]></category> <category><![CDATA[Internet Marketing]]></category> <category><![CDATA[Link Popularity]]></category> <category><![CDATA[List Building]]></category> <category><![CDATA[Podcasting]]></category> <category><![CDATA[Publishing]]></category> <category><![CDATA[Search Engine Marketing]]></category> <category><![CDATA[SEO]]></category> <category><![CDATA[Site Promotion]]></category> <category><![CDATA[Social Media]]></category> <category><![CDATA[Social Networking]]></category> <category><![CDATA[Traffic Building]]></category> <category><![CDATA[Video Marketing]]></category> <category><![CDATA[Web Design]]></category> <category><![CDATA[Web Development]]></category> <category><![CDATA[Web Hosting]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=32</guid> <description><![CDATA[If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in [...]]]></description> <content:encoded><![CDATA[<p>If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in the first impression you make. Keep reading to learn all about the importance of a smile in sales (as well as how cosmetic dentistry can help!).</p><p>Smile: Your Sale Depends on It!</p><p>Knowing your product and knowing your audience are key in sales. However, you don’t get far if your client doesn’t trust you or believe you. That’s why it’s so important to make a good first impression! Here are a few ways a smile can help:</p><p>• Smiling is more powerful than you might think – One study found that smiling has the same effect on our brain as $25,000 in cash!</p><p>• Smiling communicates your state of mind – Smiling is a non-verbal cue that you are happy to be where you are, that you are confident in your product, and that you are ready and willing to help.</p><p>• Smiling creates a ripple effect of positivity – Have you ever seen a friend yawn and done the same? Or seen someone take a sip of water and immediately realized you’re thirsty? Thanks to the mirroring neurons in our brains, we naturally mimic the behavior of those around us.</p><p>But What If You Don’t Like Your Smile?</p><p>If you don’t like your smile, don’t worry – that’s where cosmetic dentistry comes in. Whether you’re struggling with misaligned, misshapen, cracked, or otherwise imperfect teeth, your smile goals aren’t out of reach. The first step? Scheduling an appointment with a skilled cosmetic dentist. For both my father and myself, providing high-quality, personalized, and judgment-free dentistry is a passion. There’s truly nothing better than seeing someone walk out of our office with a dazzling, confident smile! So, don’t wait to make your dream smile a reality – it could make all of the difference when it comes to your personal and professional life!</p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/an-inside-look-at-the-importance-of-a-smile-in-sales,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Best Job In The World?</title> <link>https://rcbvfms.info/the-best-job-in-the-world,html</link> <comments>https://rcbvfms.info/the-best-job-in-the-world,html#comments</comments> <pubDate>Tue, 18 Oct 2022 06:25:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Adventure Travel]]></category> <category><![CDATA[Airline Travel]]></category> <category><![CDATA[Aviation Airplanes]]></category> <category><![CDATA[Budget Travel]]></category> <category><![CDATA[Camping]]></category> <category><![CDATA[Car Rentals]]></category> <category><![CDATA[Charter Jets]]></category> <category><![CDATA[Outdoors]]></category> <category><![CDATA[Sailing]]></category> <category><![CDATA[Travel and Leisure]]></category> <category><![CDATA[Travel Planning]]></category> <category><![CDATA[Vacation Homes]]></category> <category><![CDATA[Vacation Rentals]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=30</guid> <description><![CDATA[1999 was probably the worst year of my professional life. Unsatisfying office jobs followed by long periods of unemployment and claiming benefits. I’d also missed out on an opportunity to train as a Microsoft certified programmer because I was unable to find a placement. The dream of making my way into the world of employment [...]]]></description> <content:encoded><![CDATA[<p>1999 was probably the worst year of my professional life. Unsatisfying office jobs followed by long periods of unemployment and claiming benefits. I’d also missed out on an opportunity to train as a Microsoft certified programmer because I was unable to find a placement. The dream of making my way into the world of employment had turned into an absolute nightmare, at times I felt like a total failure.</p><p>Towards the end of 1999 an opportunity arose for me to work in a casino. I’d always loved card games after seeing the glitz and glamour of casinos in James Bond movies. Dissatisfied with life in Northern Ireland, at the age of just 20, I packed a couple of suitcases and ended up going to the Isle of Man to train as a croupier (casino dealer) in January 2000. 18 months later I was working on my first cruise ship, and 18 months after that I was boarding the QE2 (the most famous ship of them all) to do a world cruise.</p><p>For a young man from a housing estate in Antrim, Northern Ireland this was beyond even my wildest dreams. On a ferry from Belfast to Liverpool in 1997, I’d once seen a pontoon table and croupier and dreamt what it may be to work as a casino dealer on the high seas.</p><p>Everything aboard the QE2 was as you would expect, starting with Captain Ron Warwick, who looked exactly what the captain of the QE2 should look like (Google the name if you don’t believe me). Passenger facing crew were immaculate in their appearance. I could probably have shaved with the crease on my pressed tuxedo shirts, and on a number of occassions when I had been sunburnt in port, I could feel the creases cutting into my tender skin as I dealt the cards that evening in the casino.</p><p>The great thing for croupiers on cruise ships is that they only work when the ship is in international waters, in port, the casino must close, and casino staff are free to do pretty much whatever they want. Casino staff have a cabin steward who cleans their cabin and takes away their dirty laundry and brings it back fresh each day. We did a 103 day world cruise which included stops in places like Hong Kong, Sydney, Cape Town, Hawaii, Mauritius, Nagasaki, Tahiti and Singapore to name a few. I managed to do some amazing excursions like diving in the great barrier reef, quad biking in the Namibian desert, and dining in all sorts of fine restaurants, trying delicacies like Springbok, Kangaroo, Crocodile and Kobe beef. We made stops in 5 continents, crossed the equator and even experienced living a Tuesday in consequetive days when we crossed the world timeline. Imagine that, you go to bed on Tuesday night, wake up the following morning and its Tuesday again, but this was far from groundhog day.</p><p>The role in the casino was not about taking passengers’ money like in a land-based casino, it was about providing them with fun and entertainment. The passengers were friendly and pleasant, many of them being extremely successful people (I understand the lowest cabin cost for a world cruise on the QE2 was about $50,000 in 2003). A lot of the passengers had never played in a casino and were fascinated to learn and experience the one onboard. Just getting to know some of these people was an experience in itself, and a large part of the role in the casino was simply to entertain them whilst they were in the casino.</p><p>There were also celebrity passengers. We would finish work and go to the crew/members bar where we would have guest entertainers like the late Des O’Connor and the magician, the late Paul Daniels down to have a drink. God bless them both.</p><p>Was my job the best job in the world? Maybe not for everyone, but it was beyond even my wildest dreams and the 6 month experience, as well as the amazing people I met will be something I treasure forever. I was very lucky to have lived this experience and will always be incredibly grateful for it.</p><p>Many years have passed since then and I’ve always missed the buzz of casinos which is how Fun 21 Casino Hire was created in 2021. My celebrities now are anyone who hires the No Money Fun Casino that I provide for parties and celebrations, and I aim to give the same experience that you would expect onboard the QE2.</p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/the-best-job-in-the-world,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Avoiding a bad home in advance</title> <link>https://rcbvfms.info/avoiding-a-bad-home-in-advance,html</link> <comments>https://rcbvfms.info/avoiding-a-bad-home-in-advance,html#comments</comments> <pubDate>Tue, 18 Oct 2022 06:24:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[Commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <category><![CDATA[Real Estate]]></category> <guid isPermaLink="false">http://rcbvfms.info/?p=28</guid> <description><![CDATA[Avoiding a bad home in advance. Have you ever had a client who was a buyer “in today’s market” make an offer, get the offer accepted, only to back out after a bad home inspection? Well.. in order to limit this there are some things you as a Realtor can look for while showing the [...]]]></description> <content:encoded><![CDATA[<p>Avoiding a bad home in advance.</p><p>Have you ever had a client who was a buyer “in today’s market” make an offer, get the offer accepted, only to back out after a bad home inspection? Well.. in order to limit this there are some things you as a Realtor can look for while showing the home to your client that are definitely red flags, and at least could be brought up so the client isn’t surprised by a bad report. As a home Inspector and owner of SafeHome Home Inspections (www.safetulsa.com) the easiest thing to look at for somebody who is not trained is a bad electric panel.</p><p>A “Bad” electric panel in the eyes of any home inspector means “unsafe” or less safe than other panels. It has been determined by studies, lawsuits, etc that these panels are not desirable.</p><p>Here is a list of bad panels that are very common in the Tulsa area. These panels are likely present in your local market as well, and every or nearly every home inspector will call them out in the report as in need of further evaluation for replacement: Zinsco, FPE (Federal Pacific Electric) Stab-lok, Challenger. These are the most common “bad” panels that I run into here in Tulsa.</p><p>You don’t need to do very much work to identify these panels, oftentimes they are labeled somewhere in plain sight. A word of caution though, the access door is fairly easy to open most of the time but you should never open the deadpan front cover, It’s dangerous and would require tools anyway and you might as well leave something for the inspector to do .</p><p>I could go into detail about why these electric panels are dangerous and the different studies that have been done about them over the years but why bore you with that? If you want more information you can do a quick google search on any of these brands or look up one of the main studies by Mechanical and Materials engineer Dr. Jesse Aronstein titled “Hazardous FPE circuit breakers and panels: Information for Homeowners, Inspectors, and Electricians”</p><p>While you may not have to avoid a home like this completely, letting the buyer know in advance will at least prepare them so there isn’t a shock on the report, and who knows, maybe a seller will still be willing to change out the panel “in today’s market”. If so, that’s a major win for the customer and a great value to your client.</p>]]></content:encoded> <wfw:commentRss>https://rcbvfms.info/avoiding-a-bad-home-in-advance,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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