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reverse phone lookup the easy way





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reverse phone lookup

Thu, 06 Aug 2009 17:41:00 +0000

The first question is how do reverse mortgages work? Are they worth thinking. In this article I go through the basic features and will underline, that you have to take contact with an expert, who can tell you all the details.The reverse mortgage loans are administered by HUD, US Department of Housing and Urban Development, and the program is called HECM, Home Equity Conversion Mortgage.1. Who Can Qualify For A Reverse Mortgage?Here are the basics about how do reverse mortgages work. You have to be a senior age 62 or over, you must own your home and have a low mortgage balance, which can be paid of at the closing of the reverse mortgage loan. You must live in your home permanently and it can be a single family home or from 1 to 4 unit home. The condominiums and manufactured homes, which are approved by HUD and meet FHA requirements, are also accepted. Additionally you have to receive consumer information from a HECM counselor, before you make the agreement.2. How Do Reverse Mortgages Work, The Back Payment.The reverse mortgage loan will be paid back, when you move away permanently from the home or when you die. Because no monthly payments have been made, the principal plus interests will be covered with the sum from your permanent home sale. If the sum does not cover the whole sum, HUD will pay the difference. The lender cannot touch your other assets.3. These Are The Payment Terms From HUD.You can choose, whether you want the payment as equal monthly payments, the same sum every month during a fixed amount of months, as a credit line, as a combination of the credit line and the monthly as long as you live in the house or as a combination of the credit line and monthly payments for a fixed period of time. 4. How Do Reverse Mortgages Work? The Advantages.With the reverse mortgage loan a senior can get the needed cash and the reverse mortgage does not require monthly back payme&#[...]



reverse phone lookup the easy way

Thu, 06 Aug 2009 17:40:00 +0000

A poorly performing Customer Service Representative isn"??t just falling below par; they may be actively sending your Customers or Prospects off to the opposition. A whole Team of Customer Service Representatives who is performing badly can be a threat to your survival! And yet a Team can go off over a very short period of time. They can quickly become negative, have a bad attitude or just be totally de-motivated to perform well with their Customers.Understanding Motivation Motivation is the drive to WANT to perform well. Motivation refers to the DRIVE to use their skills effectively to achieve a positive outcome with every Customer "?" on each and every occasion. A motivated person wants to improve, to do better and better. A highly motivated Customer Service Team wants to beat the opposition "?" to be better with their Customers than any other Company! To do this they continuously work at their knowledge, skills, attitude and Customer focus.The Prerequisites of Motivation Obviously, there are prerequisites, some things that must be in place before motivation becomes relevant. It is important that the CSR knows exactly what the "??desired"?? performance is "?" that they truly understand what they are paid to do. People often talk of de-motivated staff, when the poor performance is really caused by something quite different. The staff has never really been told the goals with Customers in genera [...]