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Higher Source Sites

Latest posts by Higher Source Sites (see all)

Dec. 31: Rates, the Fed, world economies, affordability, and the shutdown – all tied together - December 31, 2018
Dec. 29: FEMA reverses flood ruling; cybersecurity notes; observations on general housing trends - December 29, 2018
Dec. 28: Doc automation product; FHA & VA changes around our biz; Agency deals continue to share risk - December 28, 2018

Zillow Porchlight
Inman
HomeOwners & Investors

3 Keys to Non-Traditional Holiday Decor

Forget the traditional holiday decorating rules and push yourself to find decor that is new, fresh and fits within your current home decor. [...]

8 Tips for Achieving Maximum Coziness

Gray skies don't have to mean a drab indoor life. [...]

A 3-Step Downsizing Plan

When it's time to move to a smaller home, these tips will help you save the memories while minimizing clutter in your new place. [...]

How to Carve the Best Pumpkin on the Block

To ensure your jack-o'-lantern is primed for Halloween, follow these tips. [...]

Regain Your Garage: Simple Tricks for Getting Organized

A thoughtful approach to garage storage makes the most of this valuable space and keeps every necessity at your fingertips. [...]

Connectivity is key to dominating your local market

This top producer runs his business under the ERA Real Estate umbrella as Knipe Realty ERA Powered, keeping his local branding at the forefront while gaining access to a national and international network. [...]

Transaction management built by real estate experts for MLSs

With the new Docs+ Transaction Management by Remine, tech-enabled real estate professionals are empowered to conduct business from anywhere. [...]

How looking out for your clients today and into their future matters

Connecting your clients to a variety of professionals who can assist with their home purchase and be a resource for their overall financial picture helps establish you as the real estate resource and professional for future home purchase needs. [...]

Managing buyer expectations in a seller’s market

How can you manage client expectations in this market? There are three things I like to encourage my clients to keep in mind when navigating this new terrain. [...]

10 secret Instagram and Facebook features most agents miss

Facebook and Instagram are two of the most popular and effective platforms for brand-building, promoting listings and generating leads. Did you know there are hidden features agents don't know about? Here are some of our favorite little-known gems. [...]

!~~Contingencies Mega Thread~~!

Hello! In response to the plethora of "omg should I remove such-and-such contingency or contingencies?! What does it all mean!!!!!!?" threads, I thought we could consolidate. Realtors, real estate lawyers, and experienced homebuyers/sellers, this is your time to shine. Please mention the state(s) you operate in early/prominently in your post so folks will have an idea if what you are saying is relevant to them (f. ex, I imagine some Texans will mention "options," which generally aren't relevant to folks outside of Texas in real estate contexts, so it would be useful to mention that you're a Texan when doing… [...]

State of the market megathread

Please post your rants, general queries like "what will the market do", or other miscellaneous content in this thread. Individual threads will be merged in here. submitted by /u/wamazing [link] [comments] [...]

Everything is coming up Milhouse!

After a shit year of losing my business to the pandemic, having to sell me house, and having to move home to live with family, I finally got a place. After six months of absolutely nothing coming on the market that met my wife and my needs in the location we wanted, a condo finally went on the market that unfortunately was a bit more than we hoped to spend but still would be in budget. Because it was more than anticipated we could only offer $7k over asking and figured it was a total long shot it would be… [...]

Homeless with good credit and a job trying to buy a house

I've been homeless for years. Working on my credit for 2 years. Now my credit is between 729-749. I have a job that pays me about $4k gross a month. I was wondering how does this affect my mortgage chances. I keep looking at lenders and they all ask for current address and rental history. I have none. And the address I use for mailing (nice people let me wash clothes,shower and get mail once a week) I can't use them as a rental. I personally live in a tent in a forest. Should I just tell my lender I'm… [...]

Buying and selling timeline

How does buying and selling work? You list your house. Someone gets a contract on your house. You shop for a new house. You schedule the closing date for the new house soon after the closing day for your old house. You move everything out of your old house. You close on your old house. You close on your new house. You move into your new house. Where are you living in between closing dates? Where's all of your stuff? Even if they're on the same day, where's all of your stuff? Do most people buy and then sell? They… [...]

MarketWatch.com - Top Stories
MarketWatch.com - Financial Services Industry News

Therese Poletti's Tech Tales: Tech’s COVID-19 boom won’t last forever, but it’s not going to end just yet

Tech giants across nearly every sector are expected to report solid earnings gains in both the coming quarter and the rest of 2021, as the pandemic accelerated nearly everything, from e-commerce to virtual work to cloud computing. [...]

Earnings Outlook: Flush with new subscribers, how will Netflix make more money?

The No. 1 streaming leader is attempting to monetize a bonanza of new subscribers from a year ago while fending off a herd of competitors like Walt Disney Co.'s Disney+, Apple Inc.'s AppleTV+, AT&T Inc.'s HBO Max, Amazon.com Inc., Comcast Corp.'s Peacock, and ViacomCBS Inc.'s Paramount+ that are trying to pry them away. [...]

Business in the Age of COVID-19: Your streaming subscriptions reshaped Disney and turbocharged Netflix — now comes making more money off you

The COVID-19 pandemic upended the home-entertainment ecosystem, turning it sharply toward streaming services like Netflix and Disney+. Now comes the hard part. [...]

London Markets: Johnson Matthey continues hot run on car-battery material production deal

Johnson Matthey shares were near the top of the FTSE 100 leaderboard on Monday, advancing as the metals refiner and chemicals company announced a partnership on sustainable battery-materials production. [...]

Market Snapshot: Dow futures edge lower after stocks end at records

Stock-index futures wobble Monday, signaling a modest pullback after the Dow Jones Industrial Average and S&P 500 ended last week at all-time highs. [...]

The Moneyist: I’m on track to retire at 58. My fiancée is in debt and drives my old car, and I support her family. How do I ensure my son inherits my wealth after I die?

‘My concern is that if I am married, the savings I have would go to her and subsequently her children, bypassing my son.’ [...]

The Moneyist: My parents made my sister executor of their $4 million estate, and joint owner of their bank accounts. Should I be worried?

‘We have five other siblings who are currently unaware of this arrangement.’ [...]

The Moneyist: My husband doesn’t get along with my son. I brought most of the wealth into our marriage. How do I split my estate?

‘My husband is more interested in dipping deep into our savings, and living it up in retirement while we are young enough to enjoy it.’ [...]

The Moneyist: My fiancée’s mother asked us to raise her 2 kids, as we live in a good school district and she has a gambling addiction — then she claimed their stimulus checks

‘I advised her to leave the money as the IRS may eventually ask for it back. Her new boyfriend then quickly told her to withdraw it anyway.’ [...]

The Moneyist: My second husband, 86, and I have 12 kids between us. He wants me to leave him everything — and will pass on the inheritance to my 5 children

‘He wants to leave the house to his children, but says if I outlive him I can live in it or rent somewhere if I wish to move.’ [...]

FDIC Financial Institution Letters
FDIC Press Releases

Agencies Address Model Risk Management for Bank Models and Systems Supporting BSA/AML and Office of Foreign Assets Control Compliance

Financial Institution Letter April 9, 2021 Agencies Address Model Risk Management for Bank Models and Systems Supporting Bank Secrecy Act/Anti-Money Laundering and Office of Foreign Assets Control Compliance Summary The Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Office of the Comptroller of the Currency, in consultation with the Financial Crimes Enforcement Network and the National Credit Union Administration (collectively, the agencies), issued a joint statement to address industry questions regarding how the risk management principles described in the “Supervisory Guidance on Model Risk Management” (MRMG) relate to systems or models used by… [...]

FDIC Seeks Input on How to Modernize Sign and Advertising Requirements for Banks

Financial Institution Letter April 9, 2021 FDIC Seeks Input on How to Modernize Sign and Advertising Requirements for Banks Summary The FDIC is seeking input from a broad range of stakeholders regarding potential modernization of the official sign and advertising rules (12 C.F.R. Part 328) to reflect changes in deposit-taking via physical branch, digital, and mobile banking channels. The FDIC last significantly updated the rules in 2006. Statement of Applicability to Institutions Under $1 Billion in Total Assets This Financial Institution Letter applies to all FDIC-supervised financial institutions. Distribution FDIC-Supervised Institutions Read the FIL . The FDIC… [...]

Consolidated Reports of Condition and Income for First Quarter 2021

Financial Institution Letter April 2, 2021 Federal Deposit Insurance Corporation Office of the Comptroller of the Currency Board of Governors of the Federal Reserve Sytem Consolidated Reports of Condition and Income for First Quarter 2021 Summary: The attached materials pertain to the Consolidated Reports of Condition and Income (Call Report) for the March 31, 2021, report date. Please plan to complete as early as possible the preparation, editing, and review of your institution’s Call Report data and the submission of these data to the agencies’ Central Data Repository (CDR). Starting your preparation early will help you identify and resolve any edit exceptions… [...]

Updated Webpage For Revised Interest Rate Restrictions Applicable to Less Than Well Capitalized Institutions

Financial Institution Letter March 31, 2021 Updated Webpage For Revised Interest Rate Restrictions Applicable to Less Than Well Capitalized Institutions Summary: On April 1, 2021, the FDIC’s revised methodology for calculating the national rate, the national rate cap, and the local market rate cap for banks that are less than well capitalized under Section 337.7 of the FDIC’s Rules and Regulations (see FIL-113-2020) go into effect. As of 8:00 AM ET on April 1, 2021, the FDIC’s webpage for the National Rates and National Rate Caps will reflect the change in calculation methodology; going forward, updated National Rates and Rate… [...]

Webpage with Information on the Brokered Deposits Regulation including Instructions for Filing Requirements under the Primary Purpose Exception

Financial Institution Letter March 31, 2021 Webpage with Information on the Brokered Deposits Regulation including Instructions for Filing Requirements under thePrimary Purpose Exception Summary: On April 1, 2021, the revisions to the brokered deposits regulation (see FIL-113-2020) take effect. The rule establishes a new framework for analyzing the primary purpose exception (“PPE”) that includes a notice process for certain designated exceptions and an application process for entities that wish to invoke the PPE but do not meet one of the designated exceptions. To facilitate the implementation of the new regulations, the FDIC will add a Brokered Deposits webpage to the… [...]

FDIC and Duke University’s Pratt School of Engineering Announce Strategic Partnership to Promote Innovation

Press Release April 12, 2021 FDIC and Duke University’s Pratt School of EngineeringAnnounce Strategic Partnership to Promote Innovation WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) and Duke University’s Pratt School of Engineering today announced a strategic partnership to support technological innovation in the banking and financial services sectors. “This exciting collaboration will amplify our efforts to drive innovation in the banking ecosystem and within the FDIC,” said Sultan Meghji, FDIC’s Chief Innovation Officer. “We share a common interest to better understand the opportunities and the risks of new technologies and to build a first-of-its-kind strategic innovation program.” … [...]

Agencies Issue Statement and Request for Information on Bank Secrecy Act/Anti-Money Laundering Compliance

Joint Agency Release April 9, 2021 Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation Financial Crimes Enforcement Network National Credit Union Administration Office of the Comptroller of the Currency Agencies Issue Statement and Request for Information on Bank Secrecy Act/Anti-Money Laundering Compliance The federal banking agencies, in consultation with the Financial Crimes Enforcement Network and the National Credit Union Administration, today issued a joint statement addressing how risk management principles described in the “Supervisory Guidance on Model Risk Management” relate to systems or models used by banks to assist in complying with the requirements of Bank… [...]

FDIC Seeks Input on How to Modernize Sign and Advertising Requirements for Banks

Press Release April 9, 2021 FDIC Seeks Input on How to Modernize Sign and Advertising Requirements for Banks New standards considered to reflect how banks are transforming their business models WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) today announced that it is again seeking the public’s input on potential modernization of its sign and advertising requirements to better reflect how banks and savings associations operate and how consumers use banking services. On February 19, 2020, the FDIC published a notice in the Federal Register soliciting public input regarding potential changes to its official sign and advertising rules. However,… [...]

FDIC Minority Depository Institutions Subcommittee to Meet

Press Release April 8, 2021 FDIC Minority Depository Institutions Subcommittee to Meet April 12th virtual meeting to address issues important to minority banks WASHINGTON—The Federal Deposit Insurance Corporation (FDIC) today announced the agency’s Minority Depository Institutions (MDI) Subcommittee to the Advisory Committee on Community Banking will hold an open meeting at 1 p.m. EDT on Monday, April 12, 2021. During the public portion of the meeting, the MDI Subcommittee members will share insights into key challenges and opportunities facing their communities and financial institutions. During the MDI Spotlight feature, Robert James II, Director of Strategic Initiatives and Board Member… [...]

FDIC Names New Members to Advisory Committee on Community Banking

Press Release April 6, 2021 FDIC Names New Members to Advisory Committee onCommunity Banking April 13th meeting to address a wide range of community banking issues WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) today announced nine new members of its Advisory Committee on Community Banking, which shares input with the FDIC on a broad range of community bank policy and regulatory matters. The Advisory Committee is composed of members representing a cross-section of community bankers from around the country. On April 13, 2021, the Advisory Committee will meet to discuss local banking conditions as well as FDIC research… [...]

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Fintech Investors

Encompass Systems Administrator

Default Reporting Analyst

Supervisor- Quality Monitoring

Mortgage Underwriter

Senior Mortgage Underwriter

Mortgage Sales Manager

Sr VP, Interim Servicing

Lock Desk Specialist

Mortgage Processor

Processor III