Reverse Mortgage Retirement – 8 Steps down the Yellow Brick Retirement Road

Reverse Mortgages can lead retirees to the Land of Comfort

8 Steps down the Yellow Brick Road to Retirement

Reverse Mortgage Expert

Paul Scheper, CRMP, CSA, MBA

Smart Move for Retirement Planning

Money House

Inch by Inch, it's a Cinch. Yard by Yard, it's Hard. The 8 steps to getting a reverse mortgage.

A reverse mortgage needs to be the right loan, for the right person, at the right time, and for the right reason.”

— Paul E Scheper, CRMP, MBA, CSA, SRES

IRVINE, CA, UNITED STATES, December 1, 2020 /EINPresswire.com/ — In the Wizard of Oz, Dorothy had a little help from her friends to get down the Yellow Brick Road to the Land of Oz. With Reverse Mortgages, you'll need some help, too. Instead of relying on Toto, the Scarecrow, the Tin Man, and the Lion, you'll need help from a Certified Reverse Mortgage Professional (CRMP) to guide you down these 8 steps. A CRMP is the highest designation that a reverse mortgage loan officer can obtain, but even a CRMP gets a little help, too. A CRMP has the fortune of having a great trade association (NRMLA) to provide excellent and timely information on how a reverse mortgage might, or might not, be suitable and appropriate for a senior homeowner. FHA approved counseling agencies are a huge help, too. Plus, software programs that make "running the numbers" easy to see and compare with a regular mortgage. Another huge help are educational videos on YouTube (www.ReverseTube.TV is popular).

Here are 8 steps down the Reverse Mortgage Yellow Brick Road to Retirement:

1. Learn, Read, get Educated about About Reverse Mortgages
This step is all about awareness and education This is where, at age 60 or older, and you own a home, you hear about reverse mortgages. You hear a Radio Ad, or watch a TV spot. This is the stage where you hear about the myths and realities of a reverse mortgage and start reading and asking questions.

2. Upfront Education
How do you begin to learn about a reverse mortgage? You contact a reverse mortgage professional (it doesn't have to be a CRMP designated expert, but it can't hurt to talk to the best of the best) at a lender who specializes in these loans. We recommend you contact a CRMP, or google around for a true pro.

3. Counseling
A reverse mortgage can give seniors a second lease on life. Counseling is required for all HECMs. This is really good news because it's an extra safety hedge of protection so that seniors learn all of the facts, and alternatives from a neutral 3rd party. Reverse mortgages need to be evaluated to make sure it's the right loan, for the right person, at the right time, and for the right reason.

4. Application/Fees/Disclosures
If you proceed with a reverse mortgage loan (yes, it's just a loan), then you select a lender. The person you will be dealing with is called a loan originator or reverse mortgage consultant. You need to establish a relationship with a professional who has integrity, character and who is all about one thing — making sure the reverse mortgage is suitable and appropriate, based on YOUR needs.

5. Loan Processing
Once a reverse mortgage lender has your counseling certificate in hand, and the loan application registered, then the next step is "loan processing." Processing involves ordering the appraisal, opening title/escrow, getting the credit report run, checking the HOA and insurance and tax information related to the property. The income compared to the debts will determine the creditworthiness, and the property appraisal is critical for a final loan approval to be achieived.

6. Closing
Once the loan is approved (credit, income, assets, property value), then the final loan documents are prepared to be signed and notarized.

7. Disbursement
The homeowner has three business days after signing the papers to make sure the figures all add up and are what was disclosed during step 4 above.
These three days are known as the “Right of Rescission” period, and it gives the lender 3 days to set up the disbursements and do a final QC on the loan so that everything is on time, on schedule for disbursement and funding and paying off the old loan (if applicable).

8. The Post-Closing Step
After the loan closes, a loan “Servicer“ manages the account and is responsible for sending you a monthly statement, and for disbursing monthly payments to the homeowner (if this payment option is chosen), and advancing funds. It's a key step because "AFTER" the loan funds, the homeowner needs to check in with their CRMP or Reverse Mortgage Loan Officer to make sure the monthly statement is accurate and perfect.

Paul E. Scheper, President
Loangevity Mortgage
9496367242 ext.
email us here


Source: EIN Presswire

Statement by Iranian former Political prisoners, witnesses to the 1988 massacre

OIAC 1988 Massacre Photo Exhibition Across from the Department of State, September 21, 2020

An attack on Amnesty International is an assault on the Justice Movement and can only serve the interests of those who ordered the massacre

This is the urgent obligation of all, including political prisoners to expose anyone, whether a former prisoner or otherwise, with any political claim, who serves the interests of the clerical regime.”

— Political prisoners, witnesses to the 1988 massacre

WASHINGTON, DC, U.S.A, December 1, 2020 /EINPresswire.com/ — The following statement issued by some of the former political prisoners, witnesses to the 1988 massacre

Three decades after the 1988 massacre of political prisoners in Iran, we are witnessing Amnesty International’s efforts to expose the details of this great crime. This is a crime that the former designated heir to Khomeini described at the time as the greatest crime committed by the clerical regime in its history and called its perpetrators criminals.

Unfortunately, to date, the world community, especially countries that claim to defend human rights, has exercised silence and inaction with respect to this great crime due to the policy of appeasement and their economic interests and political considerations. Were it not for the efforts of families of victims and 32-year-long activities of the Iranian Resistance, and particularly the call for justice by Mrs. Maryam Rajavi, the President-elect of the National Council of Resistance of Iran (NCRI), as well as for the contributions of supporters of this organization, the current accomplishments with respect to revealing this massacre and great crime would not have been realized.
The Amnesty International report, “BLOOD-SOAKED SECRETS: WHY IRAN’S 1988 PRISON MASSACRES ARE ONGOING CRIMES AGAINST HUMANITY,” on the 30th anniversary of the massacre was an important step in accelerating the justice movement and holding the regime’s officials to account as those responsible for committing this great crime. In the face of these revelations, the clerical regime’s sleeper cells and political allies and agents, including the infiltrator and intelligence agent Iraj Mesdaghi, are attacking the AI report in lockstep with mafia-style factions tied to the regime and so-called “reformists” who are fueling this dirty campaign.
In the eyes of these agents, Amnesty International’s unforgivable sin lies in two questions. First, why has the political identity of the martyrs of the 1988 massacre, more than 90% of whom were members and supporters of the Mujahedin-e Khalq (MEK), been revealed? But these are the same martyrs who made the ultimate sacrifice for the Iranian people’s freedom with the slogans of Death to Khomeini, Hail Rajavi, and embraced the gallows. Secondly, these agents complain, why has Mir Hossein Mossouavi, Khomeini’s prime minister at the time, been unmasked as one of the responsible officials serving the regime at the time?

We, political prisoners who personally witnessed the 1988 massacre, as part of the large family of the MEK, have made a solemn promise to the 30,000 proud martyrs of this massacre that we will spare no effort to shed light on the scope of the horrific and inhumane 1988 massacre and to ensure its perpetrators face justice.

Amnesty International can rely on the support of political prisoners, families of the martyrs, and the Iranian people as it continues to speak the truth and expose this great crime against humanity. The regime’s leaders must face the fact that four decades of crime and murder, which continued into the November 2019 massacre and the executions of Mostafa Salehi and Navid Afkari will not go unanswered.

We stress in this regard that insulting and attacking Amnesty International and its researchers and reporters is deplorable and amount to aligning with and accompanying the murderous rulers of Iran. As stated in the statement issued by 1,404 political prisoners, “We consider it to be the urgent obligation of all political prisoners and any dignified human being to expose anyone, whether a former prisoner or otherwise, with any political claim, who serves the interests of the clerical regime, and we condemn any silence with respect to such abhorrent actions.”

Political prisoners, witnesses to the 1988 massacre
October 2020
Here is the link to the full statement and signatories

Dr. Majid Sadeghpour
Organization of Iranian American Communities-US (OIAC)
202-876-8123
email us here
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Source: EIN Presswire

Twice Denied Homeowners Insurance Claim Leads to New Roof

severely damaged roof from hail and wind

A homeowners insurance claim is illegitimately denied only to have the damage exacerbated by new storm damage.

SPRING, TEXAS, UNITED STATES, December 1, 2020 /EINPresswire.com/ — Twice Denied Homeowners Insurance Claim Leads to New Roof.

Property damage may include damage to your home, your patio furniture, your fence, your mailbox, or any other belonging on your property. How much you may be able to recover for your property damage can be determined by proof of replacement value, repair costs, the inability to use until fixed or replaced.

Having a roof insurance claim denied is common. Luckily, a roof damage claim denial does not have to be the last word. Understanding the insurance claim process and how to challenge an insurance denial is a valuable skill for every homeowner. In most situations, your homeowners insurance covers roof damages due to a storm. You can expect a claim rejection letter if the peril is excluded by your homeowners insurance policy. Knowing what your homeowners insurance policy excludes is very important. Some standard homeowners insurance policies (HO-3) cover common disasters, but not everything. Some insurance policies have separate wind and hail damage deductible. Make sure to read your policy carefully to understand what damage is covered.

It Was the Other Storm’s Fault

In the spring of 2016, the Spring, Texas area experienced a wind and hail storm that damaged the roof and exterior of our clients' home. Our clients, one a 40-year plus emergency room nurse, filed a homeowners insurance claim with their insurer who sent out an adjuster who wrote the damage off as minimal and failed to cover the damage to the roof. The adjuster claimed the roof damage was less than $1000 and under the deductible, even though other houses in the neighborhood received new roofs due to the wind and hail damage. Our clients trusted the results the insurance company provided them with and did not pursue any action after the initial insurance claim denial.

Then came Hurricane Harvey a year later and the roof leaks that followed. Our clients filed another homeowners insurance claim to which their insurance company responded by sending out another adjuster, who came back telling them the roof leaks were a result of previous damage and/or wear and tear, not the storm. That meant the insurance company most likely misrepresented the scope of damages during the first claim back in 2016. Having experience with one denied homeowners insurance claim already, our clients called us to take their case. Our own third-party adjuster concluded the damage from the hailstorm in 2016 that went unrepaired was exacerbated by Hurricane Harvey and ultimately the fault of the insurance company for not fixing the repairs before the hurricane’s impact.

Bad Faith Insurance Claim Seeks Redemption

If the insurance company had fixed the repairs to the home from the initial claim, the damages inflicted during Hurricane Harvey would have been reduced or less severe. We filed suit and sent a demand letter to the insurance company, who settled at mediation with us and provided the funds for the repairs to the exterior of the home as well as a brand new roof for our clients.

Because an insurance company has an obligation of good faith and fairness with the people it insures, those who believe an insurance company has not acted fairly and in good faith also can have a claim for common law bad faith and statutory violations. The Texas Insurance Code also provides the rules for how insurers must behave towards policyholders.

Houston Property Insurance Lawyers

Has your homeowner’s or commercial business insurance claim been denied? We can help. Representing thousands of client’s against big insurance companies, our insurance claims attorneys aggressively protect the rights of the policyholder. Our consultations are free, and you owe us nothing until we win your case. Contact us today.

Chris Flynn
Chad T. Wilson Law Firm
+1 8326833763
cflynn@cwilsonlaw.com
Visit us on social media:
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Source: EIN Presswire

A Shot Across the Bow—New Video Conferencing Platform Challenging Tech Giants Zoom™ and RingCentral™

RingPlan Video Conferencing Software for Business - Private Video Meetings with Encryption

Private Video Conferencing with End-to-End Encryption

RingPlan phone system best practices

More Than a Phone System

RingPlan logo with icons for each of the available features including phone, fax, video conferencing, text messaging, and more

RingPlan

More organizations are adding video conferencing to their operations and annual budgets, RingPlan Meet enters the market with a fresh approach to communications

Much like a Tesla car, our product gets regular feature updates that makes it pretty exciting to own.”

— Jacob Hansen

POWAY, CALIFORNIA, USA, December 1, 2020 /EINPresswire.com/ — Today, video conferencing software is at the top of the list when budgeting for tools most required to conduct business; often being the preferred method of communication.

With only a few large players dominating the marketplace, it is easy to assume these companies are the only option.

When it comes to video conferencing, a new player has emerged onto the scene and is shaping up to become a major disruptor.

In 2020, a new company called RingPlan™ launched RingPlan Meet™, a video conferencing platform that integrates with RingPlan's entire suite of business tools.

RingPlan now enters a competitive arena dominated by telecom giants like Zoom and RingCentral, offering unified communication as a service (UCaaS).

RINGPLAN MEET™ IS PART OF A UNIFIED COMMUNICATIONS PLATFORM

Designed to unify communications, RingPlan provides users with a growing list of features that address the concerns of modern businesses.

Features include a hosted Business Phone System, Text Messaging, Fax, Video Conferencing, and more scheduled for release.

While existing video conference tools have helped businesses remain in touch, most are not designed with enterprise needs in mind. This opens doubt in customers’ minds about security, usability, and cost.

These issues came to the forefront as work-from-home became the only option during the COVID-19 lockdowns. It quickly became clear that not all video conferencing platforms offer users the ability to connect on a secure line.

Zoom, the most recognized provider, received negative press over a lack of security during this time. They quickly scrambled to fix these issues; however, no one will ever know how much data was compromised.

RINGPLAN MEET WAS DESIGNED TO ADDRESS THESE CONCERNS

RingPlan Meet was designed for remote workers prior to the COVID-19 pandemic because RingPlan saw the need for advanced features not previously available. They were seeing a growing need for secure video communications that other providers, at the time, were not offering.

RingPlan cites the growing trend in remote work in 2018, and its lax security, as the catalyst that brought about RingPlan Meet.

ADDRESSING MAJOR CONCERNS ABOUT ONLINE VIDEO MEETINGS

End to End Encryption
RingPlan ensures meetings remain private with end-to-end encryption, with unique meeting IDs that expire at the end of each meeting, and by never storing meeting files of any kind.

HD Video Quality
RingPlan Meet supports standard quality and full HD video quality.

Dial-into a Conference
Can’t get to a computer on time, users can dial into a video conference call from a phone.

Dial-in a Guests
Users can add guests to a conference call as they're taking place. Add a guest using their phone number or email.

Advance Sharing for Mobile Devices
Users can use their mobile devices to stream and share with others on a call. Devices can be used to share images, docs, or video.

Single System Login
RingPlan users manage their communications from one central platform. They can start a video call or schedule a video conference directly from their my.ringplan.com dashboard.

Calendar Integration
Users can schedule a video conference call and can invite others directly from their user dashboard. Invitees receive an invitation in their inbox with a calendar event and link. This process is integrated with GSuite so accepting an invitation will automatically add the even to a user’s Google Calendar.

RINGPLAN MEET IS FREE TO ENTERPRISE-TIER AND STARTER-TIER CUSTOMERS

With starter phone plans starting at $11.95, customers are accessing unlimited video conferencing directly from their browsers, on their company dashboard, or by downloading the app. The service comes at no additional charge.

RingPlan sees this as their main advantage over many other phone companies. They can provide an added value that many others cannot.

Step by step, RingPlan is giving customers the option to integrate their communication services into one comprehensive platform. RingPlan states that customers are saving time and money by reducing the need for multiple providers, and multiple accounts to manage.

TWO DIFFERENT PLANS TO CHOOSE FROM

With two different paid plans, users can choose a plan that fits their size and needs.

The starter package for small business includes all of the features typical in a phone system, including unlimited outbound calls. Users get access to RingPlan Meet and one advanced feature.

Those with larger needs may consider an enterprise package, paid monthly or annually.

The enterprise plans provide users with access to the entire suite of features offered by RingPlan, including future releases not yet advertised, or mentioned in this article.

A BUSINESS PHONE SYSTEM WITH ENTERPRISE NEEDS IN MIND

RingPlan helps businesses who want to optimize their call strategies based on indicators such as who is calling, time on call, number of calls, location of calls, devices being used, and more.

Customers are now connecting using desktop phones; mobile phones; text messaging; faxing; and now, encrypted video conferencing; all from their dashboards located at https://my.ringplan.com.

Rather than third party platforms contributing to recurring costs, RingPlan is combining these services under one roof for ongoing added value.

“Much like a Tesla car, our product gets regular feature updates that make it pretty exciting to own.”
—Jake Hansen, President

TREATING CUSTOMERS DIFFERENTLY

In 2020 RingPlan instituted a fair billing policy, ensuring customers are not charged for services they're not using. For example, If a user is on vacation and stops using a line and their phones are disabled, the charge disappears from the next bill; automatically, until the user starts using the phone line again.

Since 2018, neither RingPlan nor its parent company, ZTelco have relied on long-term contracts to tie users in for years at a time. Rather, RingPlan keeps adding value with new features to ensure customers gain the maximum benefits, staying on-board as valuable customers.

In a competitive landscape dominated by industry juggernauts like Zoom and RingCentral, RingPlan stands out for its bold entry into the market. A bold entry that directly challenges the status quo, and is likely to draw a lot of attention in the coming years.

Learn more about RingPlan Meet Visit the Website
https://ringplan.com/ringplan-meet

Schedule a demo by visiting
demos@ringplan.com

Marco Castillo, M.S.
RingPlan
+1 858-565-2155
marco@ringplan.com
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RingPlan – More Than Just a Phone System


Source: EIN Presswire

CNC Intelligence Inc. Emerges as Bitcoin Recovery Powerhouse

Bitcoin Coins being Recovered

Bitcoin Recovery

CNC Intelligence Inc. Logo

Getting Bitcoin Back

CNC Intelligence Inc’s crypto tracing specialists can recover Bitcoin lost to various forms of fraud and cybercrime all over the world.

Law enforcement can deal with cryptocurrency recovery in several ways. They can analyze transaction patterns, deanonymize transactions, and strike up partnerships.”

— Seth A. Gordon, CNC Intelligence's Director of Investigations and Analysis

WASHINGTON, DC, UNITED STATES, December 1, 2020 /EINPresswire.com/ — With crypto-assets such as Bitcoin fast emerging as the winners of the post-pandemic economy, law enforcement agencies are increasingly encountering digital assets in their investigations. Increased Bitcoin adoption has thus far translated to more cybercrime aimed at pilfering the quickly appreciating digital coins.

The legal framework currently surrounding such assets is murky as best, making recovery efforts a matter of expertise as well as finesse in applying the laws.

“Law enforcement can deal with cryptocurrency recovery in several ways. They can analyze transaction patterns, deanonymize transactions, and strike up partnerships.” – says CNC Intelligence Inc’s Seth A. Gordon.

A retired Department of Homeland Security intelligence analyst, Gordon also has experience as a government-private sector security operations liaison. He is, therefore, in the perfect position to bring the power of CNC Intelligence Inc’s Bitcoin tracing solutions to bear where they are most needed.

Worldwide, supra-national organizations such as Interpol undertake most cybercrime-fighting operations. At this level, such organizations have access to key data and maintain close relationships with key industry actors such as exchanges, developers, etc. They do not offer Bitcoin recovery services to individuals, however.

This is where CNC Intelligence Inc. enters the picture. With its expertise and with the liaising capabilities that Seth A. Gordon brings to the table, the organization can optimally leverage the power of the law, as well as that of its in-house cryptocurrency recovery solutions.

The Bitcoin recovery process starts with identifying the thieves and the wallets to which they have moved the misappropriated funds. It is important to zero in on the perpetrators because that is the first step to obtaining civil remedy. Civil courts can then issue disclosure orders to further assist with the investigations. They can also hold and retain the stolen assets through freezing injunctions.

The pseudo-anonymous nature of crypto assets makes cryptocurrency recovery possible.

As part of its bitcoin recovery process, CNC Intelligence Inc. traces the movement of the funds, identifying the wallets in which these funds land, as well as the owners of the said wallets. And unlike global cybercrime-fighting agencies, CNC Intelligence Inc. does deal with victims of crypto heists in person and on an individual basis.

To this end, the organization employs a range of tools such as open-source information, blockchain analytics, financial data, as well as dark-web research where needed. Cooperation with crypto market actors is also an essential part of the bitcoin recovery process.

Following the prompt identification of the perpetrators, CNC Intelligence Inc. pursues legal routes to recovery. This is where the skills of experts like Mr. Seth A. Gordon make a difference.

Whether crypto assets qualify as property from a legal standpoint depends on the jurisdiction in which pursuing recovery makes legal and practical sense. Navigating the intricate and often murky web of legal definitions and attitudes toward cryptocurrency recovery is a task requiring specialized skills, experience, and connections.

The primary objective of the Bitcoin recovery process is to legally prevent the dissipation of the misappropriated funds. The final objective is full recovery.

CNC Intelligence Inc. deals with victims of crypto fraud on an individual level. The organization offers a complimentary initial consultation to allow victims to decide whether its recovery services suit their needs. CNC Intelligence Inc. specialists also offer longer and more exhaustive consultations. Contacting the asset-recovery firm is a matter of sending an email to inquiries@cncintel.com.

Elliot Taylor
CNC Intelligence Inc.
+1 (202) 773-4626.
inquiries@cncintel.com
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Source: EIN Presswire

Brightleaf Achieves recertification of ISO 27001:2013 and 9001:2015 Information security and quality standards

Brightleaf’s strong Commitment for its clients Information Security and Quality Management Systems Requirements

BROOKLINE, MA, UNITED STATES, December 1, 2020 /EINPresswire.com/ — Brightleaf Solutions, Inc., a leading provider of contract abstraction and analytics solutions that helps its clients overcome the challenges of mining important information announces that it has achieved ISO 27001 and ISO 9001 recertification, an internationally recognized standard that ensures their products and services meet the needs of customers through an effective information and quality management system. Following an extensive audit process, the certification was confirmed by TUV, the world’s leading inspection, verification, testing and certification company.

The renewal of Brightleaf’s existing ISO 27001 and 9001 standard displays continued commitment to the security of client’s information and the streamlining and improvement of all internal processes to deliver perfect results on extracted data.

"The successful ISO certifications are another milestone in the ongoing growth Brightleaf. Security and quality are team efforts and are entrenched in Brightleaf’s DNA.”, said Samir Bhatia, CEO of Brightleaf.

ISO 2700:2013 is a globally recognized standard dedicated to Information Security Management Systems (ISMS). It outlines a framework for improving information security for any organization and reduce risks to acceptable levels. Whereas, ISO 9001:2015 enables businesses to identify and consistently meet the requirements and expectations of customers and other relevant interested parties in the most efficient manner possible.

ABOUT BRIGHTLEAF SOLUTIONS, INC.
Brightleaf provides a technology powered service to extract data from your contracts at extreme accuracy using our own proprietary AI/Semantic Intelligence/Natural Language Processing technology, our own team of lawyers to check the output, and our own Six-Sigma process.
Your legacy contractual documents along with this extracted meta-data can be migrated into a Contract Lifecycle Management (CLM) system for tracking and reporting. This greatly enhances the value of your investment in the system. The data can be virtually anything, and it is customized for each of your type of contracts. All meta-data, terms and conditions, legal provisions, and even all obligations (which are usually scattered throughout your contracts) are extracted by our software. Our team of lawyers check each-and- every extracted data-point against the original documents using a stringent Six-Sigma quality process, which delivers highly accurate results.
Brightleaf gets recognized very often, including “Company of the Year” as a Contract Management Services provider. Details of this and other recognitions and awards can be found at www.brightleaf.com/awards-recognitions
FOR MORE INFORMATION, CONTACT
Daniel Berdichevsky
Account Executive, Brightleaf Solutions, Inc.
p: (888) 489-1800 x627
c: (617) 671-8061
dberdichevsky@brightleaf.com

Brightleaf Solutions, Inc. Brightleaf Solutions – India Brightleaf Solutions – India
1600 Beacon St. Suite 211 C157, Phase 7, 4th Floor, Marisoft-1,
Brookline, MA 02246 Industrial Area, Marigold IT Park, Kalyani Nagar,
(888) 489-1800 Mohali – 160055 Pune 411014
www.brightleaf.com

Daniel Berdichevsky
Brightleaf Solutions
(617) 671-8061
email us here
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Source: EIN Presswire

The Wise Civilian & Wise Cop app makes violence between civilians and cops unthinkable

Wise Civilian & Wise Cop app makes violence between civilians and cops unthinkable.

Wise Civilian & Wise Cop app makes violence between civilians and cops unthinkable.

The Wise Civilian & Wise Cop (WCWC) uses irrefutable science and logic to prove all humans share a single collective self that our senses cannot perceive.

MOUNT SHASTA, CA, USA, December 1, 2020 /EINPresswire.com/ — Vast Self, a public charity, announced today the release of a free iOS app named Wise Civilian & Wise Cop (WCWC) developed by iStart17.com. This interactive and educational app is available at Apple Store.

Using newfound scientific material and problem-solving methods, the Wise Civilian & Wise Cop app proves to civilians and cops why humans share the same self and why our senses cannot recognize it. The ignorance of this deception is the only reason we experience conflict and suffering; fortunatelly, this can be reversed with this simple app.

This app has offered users a new understanding of themselves and others that their senses can't perceive, thus proving that any adverse action is always an action against oneself. This discovery and understanding offer a more effective cure to our human-made problems and suffering than other modern methods. The WCWC app delivers surpassing results alone or in conjuncture with other problem-solving methods.

Vast Self is confident that the material revealed in this app will put an immediate end to all negativities and bring peace and compassion to civilians and cops, making future disputes and acts of violence inconceivable. This newfound knowledge is 100% assured to benefit both civilians and cops. Both sides will have an equal appreciation for the resulting outcome.

Beata Balos, a spokesperson for Vast Self said: "We designed 'Wise Civilian & Wise Cop' to end all human-made conflicts and sufferings.
This app provides a method of eradicating problems that we currently lack in the World. How though? This game will show how our perception of ourselves and others is contradictory to how we actually exist. Why? Because we are unaware that our senses are distorting the reality of how everything exists. Most humans assume their senses tell them the truth about others and themselves. Our senses tell us that everyone possesses own-self, (own-life, own-being, own-existence); however, when examined, everyone exists without their own-self because we all share the same self. No one can possess own-self the way we perceive and think we exist. Feel free to disprove the findings in this app and win $100,000. We are very grateful for the help of Alexandra Sullivan, who helped this app become a reality."

Vast Self is a 501(c)(3) public charity #83-1669166 dedicated to showing the World that everlasting peace and happiness is indeed possible and easy to achieve. A new first-rate problem-solving method exists that can reveal and remove the key to all human-made conflicts and sufferings, making any future disputes inconceivable. This solution also guarantees not to interference with people's race, status, religion, philosophy, finances, politics, etc. The resolution to all our worldly struggles lies in understanding that our senses have not shown us how everyone actually exists. Throughout history, such ignorance has been the only obstacle to worldwide peace, compassion, unity, and happiness. But together, we can permanently reverse this.

Wise Civilian & Wise Cop app, (a.k.a. WCWC) uses science and logic to prove that we and those we call our enemies all embody the same self.

Aleksander Balos
Vast Self Corporation
+1 530-925-2987
email us here

This free phone app makes prejudice and violence unthinkable.


Source: EIN Presswire

Arkansas US Navy Veterans Lung Cancer Advocate Recommends the Lawyers at Karst von Oiste to Ensure a Navy Veteran with Lung Cancer Gets Compensated-If He had Heavy Asbestos Exposure in the Navy

"The Advocate has endorsed the attorneys at the law firm of Karst von Oiste to assist a Navy Veteran who has lung cancer if decades ago he had heavy exposure to asbestos on a navy ship, or submarine.”

— Arkansas US Navy Veterans Lung Cancer Advocate

LITTLE ROCK, ARKANSAS, USA, December 1, 2020 /EINPresswire.com/ — The Arkansas US Navy Veterans Lung Cancer Advocate has endorsed and they recommend the attorneys at the law firm of Karst von Oiste to assist a Navy Veteran who has lung cancer-with compensation if decades ago he had heavy exposure to asbestos on a navy ship, submarine or at a shipyard. Most Navy Veterans who had significant exposure to asbestos decades ago and who now have lung cancer are typically not aware the $30 billion dollar-asbestos trust funds were set up for them too. Financial compensation for a person like this might exceed $100,000 as the lawyers at Karst von Oiste are always happy to discuss at 800-714-0303. www.karstvonoiste.com/

The US Navy Veterans Lung Cancer Advocate is now offering to assist a Navy Veteran who now has lung cancer and who had significant exposure to asbestos in the navy to get possible VA Benefits for their illness. The Advocate will assist with a Navy Veteran with lung cancer with their initial VA claims submission-and there is no charge for this service. For more information, a Navy Veteran with lung cancer-who also had heavy exposure to asbestos in the navy prior to 1982 or their family are welcome to call the Advocate anytime at 800-714-0303. https://USNavyLungCancer.Com

The Arkansas US Navy Veterans Mesothelioma Advocate is offering to assist people with asbestos exposure lung cancer or mesothelioma in Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, Pine Bluff or anywhere in Arkansas. https://Arkansas.USNavyLungCancer.Com

Individuals in the state of Arkansas could have been exposed to asbestos while working at a power plant, at an industrial facility, at a steel mill, at an automobile manufacturing facility, at a chemical plant, as a plumber, a boiler technician, as an auto repairman, as an electrician, or in the construction industry. Additionally, we help veterans exposed to asbestos while serving in the US Navy. In most cases, the exposure to asbestos caused mesothelioma at one of these types of workplaces and the exposure took place in the 1950′s, 1960′s, 1970′s, or 1980′s. Asbestos exposure lung cancer or mesothelioma typically takes three to five decades to appear. https://Arkansas.USNavyLungCancer.Com

According to the American Cancer Society for nonsmokers who have been exposed to asbestos in their workplace the risk of lung cancer is five times that of unexposed workers. https://www.cdc.gov/cancer/lung/statistics/index. htm.

States with the highest incidence of lung cancer include Kentucky, West Virginia, Maine, Tennessee, Mississippi, Ohio, Indiana, Louisiana, Arkansas, Missouri, North Carolina, Rhode Island, Alabama, and Delaware. www.karstvonoiste.com/

For more information about asbestos exposure please visit the NIH’s website on this topic: https://www.cancer.gov/about-cancer/causes-prevention/risk/substances/ asbestos/asbestos-fact-sheet.

Michael Thomas
Arkansas US Navy Veterans Lung Cancer Compensation
+1 800-714-0303
email us here


Source: EIN Presswire

Massachusetts US Navy Veterans Mesothelioma Advocate Urges the Family of a Person with mesothelioma in Massachusetts to Call Lawyer Erik Karst of Karst of Karst von Oiste about Compensation-Don't Play Lawyer Roulette

"Rather than ordering a 'free' booklet, kit, guide or calculator about mesothelioma compensation-please call attorney Erik Karst of the law firm of Karst von Oiste at 800-714-0303 for honest advice. ”

— Massachusetts US Navy Veterans Mesothelioma Advocate

BOSTON, MASSACHUSETTS , USA, December 1, 2020 /EINPresswire.com/ — The Massachusetts US Navy Veterans Mesothelioma Advocate says, "We are urging the family of a Navy Veteran with mesothelioma anywhere in Massachusetts to please call attorney Erik Karst of the law firm of Karst von Oiste at 800-714-0303 for specific information about mesothelioma compensation and how the process works. Erik Karst is one of the nation's most experienced mesothelioma attorneys and he and his colleagues at Karst von Oiste have been assisting people with mesothelioma in Massachusetts for decades. We do not want a Navy Veteran with mesothelioma in Massachusetts playing lawyer roulette.

"Rather than ordering a 'free' booklet, kit, guide or calculator about mesothelioma compensation-please call attorney Erik Karst of the law firm of Karst von Oiste at 800-714-0303. Erik is an amazing resource when it comes to mesothelioma compensation." www.karstvonoiste.com/

The US Navy Veterans Mesothelioma Advocate is now offering to assist a Navy Veteran who now has mesothelioma to get possible VA Benefits for their illness. The Advocate will assist a Navy Veteran who has mesothelioma with their initial VA claims submission-and there is no charge for this service. For more information, a Navy Veteran with mesothelioma who had heavy exposure to asbestos in the navy prior to 1982 is welcome to call the Advocate anytime at 800-714-0303. https://USNavyMesothelioma.Com

The Massachusetts US Navy Veterans Mesothelioma Advocate also wants to emphasize their unsurpassed free services are available to a diagnosed victim of mesothelioma statewide including Boston, Lowell, New Bedford, Worcester, Springfield, or Cambridge. https://Massachusetts.USNavyMesothelioma.Com

For the best possible mesothelioma treatment options in Massachusetts US Navy Veterans Mesothelioma Advocate recommends the following heath care facilities with the offer to help a diagnosed victim, or their family get to the right physicians at these hospitals.

* The Brigham and Women’s Cancer Center in Boston for their cutting-edge mesothelioma treatment options. https://www.brighamandwomens.org

* Boston, Massachusetts, Massachusetts General Hospital Cancer Center: https://www.massgeneral.org/cancer/

About one third of all US citizens diagnosed with mesothelioma each year are Veterans of the US Navy. Before a Navy Veteran with mesothelioma or their family retain the services of a lawyer or law firm, they are urged to call the US Navy Veterans Mesothelioma Advocate anytime at 800-714-0303. https://USNavyMesothelioma.Com

According to the CDC, the states indicated with the highest incidence of mesothelioma include Maine, Massachusetts, New Jersey, Pennsylvania, Ohio, West Virginia, Virginia, Michigan, Illinois, Minnesota, Washington, and Oregon. However, a US Navy Veteran with mesothelioma could live in any state from New York to California, Florida, Georgia, Alaska – any state. www.karstvonoiste.com/

For more information about mesothelioma please refer to the National Institutes of Health’s web site related to this rare form of cancer: https://www.cancer.gov/types/mesothelioma

Michael Thomas
Massachusetts US Navy Veterans Mesothelioma Advocate
+1 800-714-0303
email us here


Source: EIN Presswire

The 3 E's of Reverse Mortgages

Certified Reverse Mortgage Professional

Paul Scheper, CRMP, CSA, MBA

A reverse mortgage might be the answer

You can’t take it with you – Enjoy Your Retirement Now

Counseling is the key step

Reverse Mortgage Counseling Explained

Counseling is the bedrock of Reverse Mortgage Education

Education is the most powerful weapon that people have in this world.”

— Nelson Mandela

IRVINE, CA, UNITED STATES, December 1, 2020 /EINPresswire.com/ — The 3 E's of reverse mortgages are Education, Education, Education.
Anyone obtaining a Housing and Urban Development (HUD) reverse mortgage (even a Jumbo or Conventional reverse mortgage) is required to meet with a third-party HUD approved Home Equity Conversion Mortgage (HECM) counselor. Counseling is the bedrock of the Education of a Reverse Mortgage Homeowner. The role of the counselor is to educate you about the features of reverse mortgages as well as the suitability of a reverse mortgage or other financial alternatives to a reverse mortgage. The counselor should not tell you whether to proceed with the reverse mortgage or which product to use but will provide guidance to help you make an informed decision for your situation.

To prepare for the counseling session, HUD requires you are provided with an information packet prior to the counseling session. This packet contains important financial and informational documents. The National Counseling on Aging (NCOA) booklet, “Use Your Home To Stay at Home – A Guide for Homeowners Who Need Help Now" is a great packet to review before the counseling takes place. The financial documents are key — "know the numbers" by reviewing Loan Comparisons, Amortization Schedules, and TALC calculations (Total Annual Loan Calculations). These documents will show you what the costs are, and how the loan balance and credit line changes over time, if you decide to make a payment on a reverse mortgage or to just let the interest accrue for a delayed payment.

During the counseling session the counselor will explain the concepts of reverse mortgages and answer any questions you may have. It's not a quiz. It's just a conversation to make sure you know that the property taxes and insurance and association dues still need to be paid by the homeowner. They also clarify that this is not a free lunch, there are closing costs to obtain a reverse mortgage and interest needs to be paid (either at the end of the loan, or monthly, or whenever you feel like it).

The counselor may not provide legal, financial or tax advice as they are not attorney’s, financial advisors or tax advisors or CPAs.
During the counseling session the counselor will go over more things like:

1. Review your needs and circumstances as well as alternatives and options as available and appropriate.
2. Create a budget based on your income, assets, debt and expenses.
3. Discuss fraud prevention, i.e. how to avoid becoming victims of fraud schemes that happen on all loans, not just reverse mortgages.
4. Review the reverse mortgage information and details including reviewing the loan printouts of calculations comparing products, estimated amortization schedule, Total Annual Loan Cost (TALC), and HUD allowable fees. It is appropriate for the counselor to use the ones the originators provided to you.
Review your level of understanding of reverse mortgages including:
5. The basic mechanics, requirements, and implications. They want you to know that this is just a loan. And that the title, ownership, deed always remain with the senior homeowner, just like all loans. It is just a loan.
6. The impact on your personal financial situation of the particular loan you are interested.
7. Your responsibilities and requirements for residency. Basically, you need to live in the home.
8. Counselors are NOT allowed to steer you to or encourage or discourage any particular product. Their role is to explain and discuss the printouts and information without bias.

Additionally counselors are NOT permitted to promote, represent, recommend or speak for any specific lender. Counselors are NOT to steer to any lender or provide any information on which lenders are offering specific HECM variations or proprietary products. Counselors are NOT to provide information on the specific costs charged because costs are subject to market fluctuations and may depend on variables that are not constant from client to client.

Counseling can be done in person or by phone. Even before the Covid-19 pandemic hit the world, most counseling sessions transpired over the phone. Counseling is vital and necessary because it helps a senior determine if a reverse mortgage is suitable and appropriate for their needs. A reverse mortgage needs to fit, it needs to be customized to the needs of the homeowner. It needs to be the right loan, for right person, for the right property, for the reason, at the right time. A reverse mortgage is like a financial swiss army knife — it's flexible and versatile — and can help senior homeowners feel a sense of control, comfort, freedom, joy, security and peace of mind.

Paul E. Scheper, President
Loangevity Mortgage
9496367242 ext.
email us here


Source: EIN Presswire