8/31/2009

Review of What Lenders Don't Want You To Know: How To Keep From Being Surreptitiously Ripped Off By Unscrupulous Mortgage Professionals (Paperback)

If you are going to borrow money or get a line of credit you would be wise to read this book. It is VERY well written; clear, concise, to the point...

It is worth $1000 each time you purchase a property or sign a note.

Every real estate agent in the country should be giving this book as a gift to their clients...

Product Description

If you seek information that will help save you money on a mortgage transaction, you've found it!

Kevin Melody spells out trade secrets of the mortgage industry from an insider's perspective, with frank honesty and in plain English.He shows how most borrowers shop for mortgages like they shop for cars: they find the product they want, at a price they believe is fair, then they strike a deal. Unfortunately, unlike a car purchase, a mortgage transaction will not close on the day the "deal" is made. Therefore, unless the borrower is sophisticated enough to know how to make it stick, he really has no deal at all. He has committed himself to the lender, but the commitment may not be mutual. In fact, the rates, costs, even the product itself may change later; at a time when the borrower has, not only an emotional stake in proceeding with the transaction, but also a financial one; and is therefore unlikely to cancel. Whether you're a first-time buyer, or a property owner with many mortgage transactions under his belt, you will save time, money, and frustration by reading this book.

About the Author
Since 1991, Kevin Michael Melody has worked as a loan originator for three mortgage brokers, three major banks, and one mortgage banker. He spent three years as an Account Executive for the Administrator of the CalPERS Member Home Loan Program, and has conducted consumer-protection oriented home loan workshops since 1997.

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Review of Daily Life in Hitler's Germany (Hardcover)

I must agree with with other two reviews of this book about the rather poor text.While it does occasionally bring up an interesting point, a number of its arguments are discredited by a large number of contrasting studies.

That said, what is important are the photographs.Here is the face of Nazi Germany.One of the most frightening pictures was of the young men, students and SA, burning books outside the university in Berlin in May of 1933 (page 94).The expressions of pure predatory joy are typical of ideological "true believers."The thuggish brutality of the SA is brought out in another photo, which at the same time hints at the more subtle evil of the SS (page 90).Pages 47 and 51 give evidence of the deadness, normally seen in revolutionary art, of Nazi high art.An entire chapter is devoted to the Hitler Youth; showing the indoctrination of the young by dressing them the same, having them beat drums, and march chanting political slogans.

Hitler came to power promising to save Germany's middle class, though his base was initially among the prolitariat.In the beginning the laboring class was largely split between left and right.The National Socialists started as a rightist labor union.Attaining power, they outlawed all other unions.While working conditions before the Nazis weren't good,from the pictures, one gets the impression that they slipped even before the Allied bombing campaign.

Buy this book for the pictures and buy "The Nazi Seizure of Power: The Experience of a Single German Town 1922-1945" by William Sheriden Allen (available from Amazon.com) for the text.

Product Description
ritten by historical experts, Daily Life in Hitler's Germany offers a chilling portrayal of the Third Reich to bring Germany's most harrowing era to life. Topics include: -The Nazi indoctrination of children through the Hitler Youth -The subversion of the arts to serve National Socialist ideology -The Nazi obsession with sports as a means of creating a super-fit Aryan race -The role of women in Germany in the 1930s -The fate of those individuals and races who had no place in the Thousand Year Reich. Illustrated with over 270 black and white period photos, Daily Life in Hitler's Germany examines fully how Hitler influ-enced the everyday lives of millions of ordinary Germans.

About the Author
Dr. Matthew Seligmann is an expert on the foreign and colonial policy of Wilhelmine Germany, as well as the origins of World War I. He is the author of Rivalry in Southern Africa 1893-1899: the Transformation of German Colonial Policy, co-author of Germany from Reich to Republic 1871-1918: Politics, Hierarchy and Elites; and co-editor of Leadership in Conflict 1914-1918. He currently lives in Great Britain.

Dr. John McDonald is a former teacher and an expert on twentieth-century European history. He currently lives in Great Britain.

Dr. John Davison is an expert on twentieth-century European history. He currently lives in Great Britain.


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8/30/2009

Review of Daily Life in the United States, 1960-1990: Decades of Discord (The Greenwood Press Daily Life Through History Series) (Hardcover)

Dr. Marty must have put in a lot of time and effort into this book. Hediscribes each century and the ideologies that the people believed in.Hedescribes all theproblems and benifits of each time period. Heaccomplished this through quotes; well broken up chapters and thoroughanaylsis.At some points, the book becomes to thick with facts and veryslow.It never lacked inspiration or serious effort.Dr. Marty's book isa well writen work that a lot of time and effort went into.If you areserious about history I would recomend that you read it.

Product Description
Students, teachers, and interested readers can use this important resource to examine the evolution of the everyday lives of ordinary people in the United States from 1960 to 1990. The volatility of the civil rights movement; the impact of the baby boom generation; the influences of television, advertising, and other media; the emergence of environmental and consumer-protection movements; and the effects the Vietnam War and Watergate had on the American public are just a few of the issues examined and outlined. From the space age to the computer age, the user can explore how change-induced discord and adjustment to "postmodern times" led to cultural standoffs, affecting everyday lives.



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Review of Steiner's Complete How-To-Talk Mortgage Talk (Paperback)

This book is very basic and may be good for the first time homebuyers.As a mortgage professional, I was looking for something to help with my corporate training material for new associates.I continue this search.

Product Description
Product Description (1000 characters, including spaces):Did you know that your home is NOT the biggest purchase you'll ever make in your lifetime?Your mortgage is your biggest lifetime purchase.At today's rates, the MORTGAGE INTEREST you pay your friendly lender will be MORE THAN TWICE what you paid the seller for your home. Mortgage Talk takes a straightforward approach to getting the best loan for the consumer - whether you're buying or refinancing.Set up as a glossary, you don't have to read everything before you get started.Just go to the part you need, use the evaluation forms in the book for interviewing lenders, finding the best, and you're there.



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8/29/2009

Review of House Poor: Pumped Up Prices, Rising Rates, and Mortgages on Steroids: How to Survive the Coming Housing Crisis (Hardcover)

I am now in the process of buying my 7th house in 25 years.If I had known much earlier some of the things I now know from having read "House Poor," I would have avoided mistakes, saved money, and come out ahead.

The book offers solid, well supported advice about home ownership in 21st century America.The advice is practical, clear, and up-to-date.It reads quickly--in part because of the numerous examples of home buyers and sellers from around the nation--but unlike many such books, it seamlessly integrates a large volume of data from authoritative sources to support conclusions and recommendations.I found especially useful the discussion of the dizzying array of mortgage options now being pushed at consumers. And I found reassuring the distinctions made among the various markets around the US--reassuring because I live in the Midwest where the real estate market is heated but not super-heated.

Fletcher writes with an engaging and fluid style, moves logically from one topic to another, and delivers the kind of information that both first-time and veteran home owners will find valuable.

Product Description

The housing market, like any other investment, has always had its ups and downs. But ever since it started its upswing at the beginning of this decade, the ride has become more thrilling-and more dangerous. One day, home values are skyrocketing and cheap money is up for grabs; the next day, houses linger on the market and interest rates rise alarmingly high. Home buyers and sellers are beginning to recognize that however the market moves where they live, they must be prepared to make smart housing decisions.

Written by veteran real estate reporter June Fletcher, House Poor teaches you everything you need to know to weather the ups and downs of the housing market, including:

  • How to tell whether your hometown is likely to boom or bust
  • When to take equity out of your house
  • How to buy as a first-time home owner or as an investor during turbulent times
  • How to protect your home investment
  • When and how to sell your home

Today's volatile housing market could make you house poor.

This book will keep you house proud.

--This text refers to the Paperback edition.



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Review of Investing Smart: How to Pick Winning Stocks with Investor's Business Daily (Paperback)

Being a student of William O'Neil's CANSLIM method of stock selection I found this book tiresome to read mainly because I know the subject matter so well.Dr. Sethna was certainly long winded and rambling in his writing style and could have said what he did in a third of the space he used.If you desire to learn about William O'Neil's methods purchase his book, "How to Make Money In Stocks."Lastly, Investor's Business Daily has added many new features since Dr. Sethna wrote this book so some of the information he shares about the paper is dated.

Product Description
Using Investor's Business Daily as his major source of investment information, Dhun Sethna tripled his portfolio in five years. In Investing Smart, Sethna shares what he's learned about picking stocks with the nation's fastest growing newspaper, unlocking the powerful money=making information in every edition.

You'll discover where to look for winning stocks every day. . .which indicators to watch to avoid losses. . .the psychology of market behavior. . .and much more. The book delivers straightforward explanations of the complex and powerful forces which drive stock prices. All in all, it gives you the tools you need to invest wisely.

From the Back Cover
Unlock the money-making power of Investor's Business Daily today!

"Investing Smart is a book about doing and discovery, about discovering the thousands of newer companies with revolutionary new ideas and new technologies, and innovative new products, that make up what I like to call "The New America." After all, it is the discovery of these winning (companies) and their trends that smart investing is all about."­­From the Foreword by Willian J. O' Neill, Chairman and Founder of Investor's Business Daily

This book is the definitive must read for all investors looking to substantailly increase their portfolio results. In it, investors will learn the investing secrets used by many of today's most successful investors and money managers to achieve unparalleled results.

Investing Smart unearths the money-making opportunities found throughout Investor's Business Daily's exclusive tables, charts and screens. In this easy-to-understand presentation, you'll gain profitable insight into the nature of markets, the psychology of trading, and commonsense ground rules for making the right investment decisions­­at the right time.

You'll discover:

  • The best sources for identifying emerging stock market leaders
  • How and when to buy or sell stocks
  • How to manage any portfolio­­large or small
  • The best way to interpret the economy's vital signs
  • The psychology of market behavior­­and much more




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8/28/2009

Review of A Homeowner\'s Guide to Mortgage Acceleration (Paperback)

As a homeowner preparing for retirement, I was looking for a book that would teach me how to get rid of my mortgage before retirement.After reading the book, I now see light at the end of the tunnel (30 year mortgage).The book teaches homeowners how to do it themselves without paying fees to mortgage companies or brokers. I will be able to knock 10 to 15 years off my mortgage and save thousands in interest.The method demonstrated in the book is proven, timeless and effective.


Product Description
Save thousands in interest costs. Reduce the term, build equity faster, and own your home "free and clear". Turn your mortgage into an investment tool.

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Review of Chain of Blame: How Wall Street Caused the Mortgage and Credit Crisis (Hardcover)

Do your eyes glaze over when commentators try to describe the financial products that were at the heart of the recent real estate boom? The mortgage boom?This book described the instruments clearly--and gives the reader a great sense of what was fundamentally wrong with the whole process.The title is "Chain of Blame," but there is plenty of blame to go around.

The book is well written and lucid. Nonspecialists can understand it well.I heard talking heads on TV and radio described tranches, REITs, "liar loans," "warehouse line of credit," and so on.The authors describe these terms--and others--clearly and in such a way that the reader can begin to see what had happened--and why the meltdown in the mortgage world should not be seen as so surprising.

It is also the story of clever businessmen and women, who could develop new tools for investment from subprime loans. Subprime loans, simply, are (Page 325): "A loan originated by a lender that is A- to D in quality. Consumers with the best credit ratings. . .are considered 'A' credit quality." In short, loans are being made to purchasers who carry some to a lot of risk.If they can't keep paying their mortgages, the house of cards can fall down.And that is, in short, what happened (although the story is quite a bit more complex than that).

Among the innovators were pioneers such as Roland Arnall (of Ameriquest and Argent) and Bill Dallas (of Ownit Mortgage Solutions).Then, those who adopted practices of the innovators, such as Angelo Mozilo of Countrywide.

The book makes pretty clear that a number of factors contributed to the mortgage problem.Regulators didn't get involved; Wall Street firms ignored the volatile nature of subprime loans in a desire to realize enormous profits; banks bought into the profitable business.

Anyway, if the reader wants a well written, if not overly deep, analysis of the mortgage crisis, this is not a bad place to start.


Product Description

An updated and revised look at the truth behind America's housing and mortgage bubbles

In the summer of 2007, the subprime empire that Wall Street had built all came crashing down. On average, fifty lenders a month were going bust-and the people responsible for the crisis included not just unregulated loan brokers and con artists, but also investment bankers and home loan institutions traditionally perceived as completely trustworthy.

Chain of Blame chronicles this incredible disaster, with a specific focus on the players who participated in such a fundamentally flawed fiasco. In it, authors Paul Muolo and Mathew Padilla reveal the truth behind how this crisis occurred, including what individuals and institutions were doing during this critical time, and who is ultimately responsible for what happened.

  • Discusses the latest revelations in the housing and mortgage crisis, including the SEC's charging of Angelo Mozilo
  • Two well-regarded financial journalists familiar with the events that have taken place chronicle the crisis in detail, showing what happened as well as what lies ahead
  • Discusses how the world's largest investment banks, homeowners, lenders, credit rating agencies, underwriters, and investors all became entangled in the subprime mess

Intriguing and informative, Chain of Blame is a compelling story of greed and avarice, one in which many are responsible, but few are willing to admit their mistakes.



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8/27/2009

Review of Mortgages and Refinancing : Get the Best Rates (Entrepreneur Pocket Guides) (Paperback)

"Mortgages and Refinancing" contains good basic information on both areas and covers such items as:

1.Getting started on learning about mortgages.
2.What to do to qualify for a loan.
3.Choosing the best kind of loan.
4.Refinancing (shop around, required paperwork, reasons for refinancing, etc.).

A good book for the person who wants to know basic information on home mortgages and refinancing.

Recommended.

Product Description

Save Thousands on Your Mortgage!

What type of mortgage is best for you?How can you ensure a broker isn't scamming you?Are you getting the best rate?What happens if rates go up again?

When dealing with the complex world of mortgages and refinancing, it's all too easy to commit to a deal that you realize too late is too good to be true. But with this must-read guide, you'll learn in as little as three hours the ins and outs of mortgages and how to protect yourself from bad deals and scams.

Find out how to:

  • Choose the best mortgage type for your financial situation
  • Protect yourself from unscrupulous brokers and banks
  • Get the best rates and save thousands of dollars over the life of your mortgage
  • Discover the benefits of refinancing to lower your payments, consolidate your bills or make home improvements

Whether you're a first-time homeowner or you're looking to refinance, don't sign a deal without this expert advice.

About the Author
McGraw-Hill authors represent the leading experts in their fields and are dedicated to improving the lives, careers, and interests of readers worldwide

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Review of Wisdom Distilled from the Daily: Living the Rule of St. Benedict Today (Paperback)

In "Wisdom Distilled from the Daily", Joan Chittister modernizes the Rule of Saint Benedict and applies it to modern living.Each chapter covers a different aspect of the Rule, including such topics as prayer,work, mindfulness, hospitality, peace, and listening.

Her stories fromthe desert sages are wonderful and extremely funny, and several of herinsights are insightful and very helpful.I found the chapter on obediencein particular to be one of the most pithy, eloquent, and well-writtensummaries on such a loaded topic that I have ever encountered.One cantell that she is a clinical psychologist from that chapter!

The onlycriticisms I have are that the content is definitely dated:many of herspecific images no longer apply, especially in world politics, her languageis occasionally didactic and flat."Prayer is not magic.Prayer isnot..." and so on.Also, a minor linguistic point:she tends tostart each chapter with an image, relate the image to the topic, discussthe topic, and then return to the image. This is fine for occasional use,but grates on repetition.Also, those not familiar with Christianity,especially with monastic communities might want to do some backgroundreading first, as some of the images are quite specific.Overall, a veryinteresting discussion on how to apply the Rule of St. Benedict to today'sworld.

Product Description
Wise and enduring spiritual guidelines for everyday living -- as relevant today as when The Rule was originally conceived by St. Benedict in fifth century Rome.



From the Publisher
An examination of how the Rule of St. Benedict is still a relevant model for contemporary spiritual growth and connecting with God, with others, and with the inner self.



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8/26/2009

Review of The Mortgage Kit: Select the Right Loan, Lock in the Lowest Rate, Negotiate the Best Terms (Paperback)

Most books about mortgages quickly lose your attention because they are written in a way that only insiders can understand.This book explains the process in a way most people can comprehend.

I used this book to trainmyself when I got into the mortgage industry.As a manager in a mortgagecompany, I use this book as a training tool for mortgage loan officers, sothey learn to describe the process and loan programs in a way that thegeneral public can understand.

The Mortgage Kit provides a detailedexplanation of the entire mortgage process in every day language.Itprovides great inside tips for consumers about all different aspects ofgetting a mortgage.Including how to know whether or not your mortgagelender is treating you fairly, and important insights that will protect youfrom being taken for a ride.

All of the important basics are covered;from what your lender will look at when deciding whether or not to approveyour loan, to the paperwork you need to pull together before going to applyfor a loan and choosing the best mortgage program for your own needs.

Thebook is well organized in its layout. It is educational if you read itcover to cover.But more importantly, it's laidout in a way that allowsyou to find the topics you have questions about easily, so you can focus onlearning the answers to them.

Product Description
Saving money. It's what home loan shopping is all about. And nothing helps you save money and secure the best deal like The Mortgage Kit. By guiding you through the entire mortgage process-from applying to refinancing-this proven bestseller is your one-stop mortgage guide.

Bursting with Internet information designed to put you in the driver's seat, The Mortgage Kit includes an all-new, time-saving Internet resource guide, advice on applying for a mortgage on the Internet, and tips on finding a lender online. And, The Mortgage Kit is packed with hands-on charts, graphs, and worksheets that have helped tens of thousands of homebuyers successfully navigate the mortgage maze. Mortgage guru Thomas Steinmetz leaves no stone unturned by revealing:


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Review of Mortgages For Dummies, 3rd Edition (Paperback)

Buying a home is the biggest financial deal many people will ever make. If you're about to buy your first home it pays to learn the ins-and-outs of mortgages. Structuring your mortgage properly can save you thousands or even tens of thousands of dollars over the life of the mortgage. "Mortgages For Dummies" explains how mortgages work and how to get a great deal on your mortgage.

"Mortgages For Dummies" begins by asking the reader to evaluate how large of a mortgage he/she can afford. Tyson and Brown discuss budgeting, which is something many people will already know. The authors point out that in addition to covering your basic expenses, such as food and water, you must also allow for your other financial goals, such as retirement planning. Only through budgeting will you get a handle on how large of a mortgage you really can afford. Obviously, you don't want to wind up with mortgage payments you can't pay!

Lenders have separate evaluations of how much you can afford. Tyson and Brown suggest that lenders will expect your monthly housing expenses and repayment of non-housing debt to total no more than about 36% of your monthly income. And, your total housing expense probably shouldn't exceed 28% of your monthly, pretax income.

Tyson and Brown suggest not making an overly large down payment, "if it depletes your emergency financial cushion." And, don't accept a bigger mortgage than you think you can afford just because the banks say you can afford it!

If possible, you probably want at least a 20% down payment on your home. Lenders borrowing to people with less than 20% equity have found that there is an increased risk of default. Because of this, Tyson and Brown explain new homeowners with less than 20% equity in their homes will need to pay Private Mortgage Insurance (PMI). PMI can cost hundreds of dollars a year. PMI benefits the borrower, not the homeowner. Tyson and Brown suggest that as soon as you have 20% or more equity in your home, you should eliminate PMI.

Another option is to have the government insure or guarantee your loan. Mortgages For DummiesTM mentions FHA, VA, and FmHA government-guaranteed loans.

Chapter 3, Fathoming the Fundamentals, was one of my favorite chapters. The chapter does a good job explaining the secondary loan market and the purpose of the Federal National Mortgage Association (FNMA, or Fannie Mae) and the Federal Home Loan Mortgage Corporation (FHLMC, or Freddie Mac).

"Mortgages For Dummies" discusses the difference between conforming and non-conforming mortages. Tyson and Brown write: "This delicious tidbit of information can save you big bucks. Conventional mortgages that fall within Fannie Mae's and Freddie Mac's loan limits are referred to as conforming mortgages. Mortgages that exceed the maximum permissible loan amounts are either called jumbo loans or nonconforming loans. ... You pay dearly for nonconformity."

"Mortgages For Dummies" goes on to give the money-saving tip: "If you find yourself slightly over Fannie Mae's and Freddie Mac's limit, don't despair. You can either buy a slightly less expensive home or increase your cash down payment juuuuuuuust enough to bring your mortgage amount under the conforming loan limit."The "juuuuuuust enough" isn't my typo, although I probably got the number of u's wrong. It's Dummies' humor.

Today, "Mortgages For Dummies" Chapter 9, Refinancing Your Mortgage, will be popular. Tyson and Brown provide an example showing how quickly your refinancing will breakeven. They give us "Refinancing's Magic Formula" to calculate if you should refinance.

"Mortgages For Dummies" doesn't formally introduce the annual percentage rate or APR, and I believe this is a critical oversight. (The book does mention APR in its glossary). So, you might be quoted 7.2% and not realize this rate doesn't take into consideration points and fees you will pay, i.e. it's not the APR. Suppose your current mortgage rate is 8% (APR), you might quickly calculate that you save (neglecting tax effects)8 - 7.2 = 0.8% on the principal loan amount. This would be incorrect, because your actual APR would likely be higher than 7.2% due to the added fees. You really need to distinguish between the fee-inclusive rate and the fee-exclusive rate you might be quoted.

Overall, I think reading "Mortgages For Dummies" is useful for people who are buying their first home or considering refinancing an existing home. Enough dollars at stake that you should pursue all information on the topic and become an informed consumer, even if you need to tolerate some siiiiily jokes.

Peter Hupalo, Author of "Becoming An Investor"



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8/25/2009

Review of So You Want to Refinance: An Insiders Guide to Refinancing Adjustable Rate Mortgages and Home Loans (Paperback)

I've read that you have to watch those mortgage brokers, and have heard all of the horor stories - people losing their houses over bad home loan mortgage refinancing deals, and now I believe them!

This book covers the pitfalls, and I feel like now I'm getting a way better deal than I would have otherwise on my refinance. I'm glad to have locked in the fixed rate mortgage, since I had an option ARM and now I feel like my future is much more secure.

This book is handy to have around if you are refinancing for the first time, or want to get a better deal this time around.

Thank you to the author - great job.

Product Description

Are you paying more than you need to?

In this book a mortgage lending insider reveals her answer to this question - and more - in her best selling So You Want to Refinance. If you are baffled by the dizzying array of mortgage companies, sales pitches, and loan products, this book is for you. The book walks you through each step of the loan process in easy-to-understand language to help you make an informed decision that's good for YOU-not for your loan officer. The book explains how to asses and rebuild your credit score, accurately calculate the equity in your home, and how to make sure that you present your situation in the best possible light. More than just an introduction to getting a home loan - this book will show you how to get the best deal possible. This book is a must-have for any current or potential homeowner thinking of refinancing.

Key topics include:

-Refinancing Adjustable Rate Mortgages (ARMS)
-Understanding Broker Incentives
-Getting the Best Appraisal -Processing and Underwriting
-Cleaning up your Credit Report
-Signing Tips, Tricks, and Negotiation Strategies

From the Publisher
"A must-have for any home owner looking to refinance" -
Terri Williams, Homeowner

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Review of Navigating the Mortgage Maze: The Simple Truth About Financing Your Home (Paperback)

My husband and I have had mortgages for 25 years.I wish we had this book way back when we started.We would have saved thousands of dollars!Everything is explained in understandable, step-by-step language.This book is essential for anyone with a mortgage.

Product Description

Confused or overwhelmed by the "mortgage maze"? Industry pro Dale Vermillion explains the simple truth. Learn about wise mortgage financing, and how to avoid common traps that cost you thousands of dollars! Chapters include:

• The Top 10 Mortgage Mistakes

• Simple Truth about Interest Rates and APR's

• Mortgage Industry Dilemma

• The Simple Truth About Debt

• Qualifying for Mortgage Financing

• Establishing Financial Goals

• Mortgage Refinancing as an Investment Tool

• Borrowing Smart

• Mortgage Independence

• Moving to Real Life Change



About the Author

Dale Vermillion, a 25 year mortgage veteran, has developed a series of consumer-based seminars under his MortgageMpowered™ brand. He founded Vermillion Consulting, Inc. to provide high-integrity sales and management training services to the mortgage industry. Over the past thirteen years Dale has spoken at mortgage events and conferences in both the U.S. and Canada. He has trained and consulted more than 140 mortgage companies and more than 250,000 mortgage professionals through his corporate and Mortgage Champions® individual training programs. Dale has written articles featured in numerous mortgage industry publications.



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