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Happy Birthday America!

July 2nd, 2009
flagThis article is a must read.  Your spirit in our American unity  will come to life.  This astounding article produced with permission by Scott Falin, now in college.   This article will renew your faith in our United States  and in our youth today.  Scott, thank you for rejuvenating my faith in our nation and the future it holds. 

     “E Pluribus Unum: Is this motto, adopted in 1782, relevant to our country today?

“The words “E Pluribus Unum” define the history of the United States and epitomize the spirit of America. America’s founding fathers rightfully adopted this Latin phrase meaning “from many, one” as the motto for their nascent nation. America has always boasted an unparalleled amount of diversity, yet, on countless occasions, multiple interests, cultures, states, and peoples have united as one country. The greatness of the United States lies in this delicate balance between diversity and unity. America has always striven to be a land of tolerance and freedom, a country strengthened by its pluralism and a people bound by their love for what America embodies.  Throughout American history - through the country’s darkest moments and its brightest days “E Pluribus Unum” has been more than just a motto; it has emerged as the national mission and the lofty aspiration to forge a uniquely American identity that encompasses both the diversity of its people and the principles of its foundation.

     During the Revolutionary War, when “E Pluribus Unum” first became the national motto, thirteen colonies with vastly different interests and lifestyles came together to discard the yoke of tyranny and to defend an infant nation that stood for justice and independence. This momentous event marked the beginning of not just a new country, but also a new national doctrine that encouraged pluralism, liberty, and individual freedom. The words “E Pluribus Unum” were a fitting motto for these young United States. Out of many colonies, came one nation that forever changed the face of the world. Yet after the unity they displayed during this long war for independence, the states returned to the rivalries and squabbling that had divided them before. Throughout the course of American history, this struggle between the interests of the nation and theindividual state would play a dangerous and divisive role. The founding fathers, though, foresaw this potential problem and sought to foster peace and unity. With “E Pluribus Unum” as their motto, they attempted to ensure that from all the competing states and interests, there would come one nation united in its support for the advancement of freedom. Besides the one glaring exception of the Civil War, this aspiration has held remarkably true. The American culture of perseverance and tolerance has virtually always sustained this country through times of conflict and disagreement by uniting all states and all people in a shared belief in what they could accomplish together. America has been deeply divided many times in the past and certainly will be many times in the future, yet the American people seem to always locate the capacity to overcome their differences and, in the spirit of “E Pluribus Unum,” emerge as a stronger, more prosperous, and more united people than ever before imaginable.

     The message of “E Pluribus Unum” has also evolved to demonstrate how a uniquely American identity has emerged from the countless cultures and traditions that have created the aptly called “American melting pot.” The history of the United States is essentially the history of the accumulation of different cultures and beliefs that have shaped the American personality. Throughout America’s past, every wave of immigration has brought forth a new set of ideas and lifestyles. In America’s pluralistic and tolerant society, immigrants become true Americans not by abandoning their heritage, but by contributing it to the American identity. There is no one quintessential American. Each American possesses his or her own faith, own opinions, and own lives, yet the American identityencompasses this diversity within its people. Unlike virtually any other country, the society and the people of the United States are strengthened bytheir differences. A myriad of diverse peoples, cultures, religions, and ethnicities enhance an America that, through pluralism, tolerance, and liberty, celebrates diversity and unites a people of differences in a collective love for their country. Since this nation’s conception, the words “E Pluribus Unum” have captured the remarkable story of America: the tale of a country where from many people and cultures with different pasts, emerged one nation with one shared future.

     There are those who will ask whether the motto of “E Pluribus Unum” still bears relevance in this day and age. Some will argue that it is obsolete and that one American identity has already emerged from the many. Yet, past experiences of the United States teach us that this process is never complete. The notion of America is perpetually changing and expanding as new people and ideas flow in and out of the country. America will always be evolving, always changing, and always, in the spirit of “E Pluribus Unum,” reaffirming the American commitment to freedom and inclusiveness. As long as the United States remains faithful to its founding principles, then America will forever be a land of pluralism and diversity, tolerant of the people’s differences and united by its most noble values. The words “E Pluribus Unum” have and always will be relevant to this country.The wisdom of “E Pluribus Unum” may actually have never held a more significant purpose in American society in recent history than it does today. From an influx of immigration to the widening divisions along racial, religious, and political lines, Americans are understandably worried that the thread holding the United States together may be starting to unravel. Many Americans, for instance, fear that recent immigration is disrupting American society and destroying the heritage of this country. They worry that current immigrants will not assimilate into American society and will only precipitate division and disorder. Others are apprehensive of the growing intolerance and animosity that exist between different racial, religious, and political groups. Differences have always been present in American society, but many individuals fear that today’s divided United States has gone beyond reconciliation. For many, the cohesion of an American identity appears to be disintegrating as the notion of a both diverse and united nation becomes growingly unattainable. Yet, despite the widespread cynicism and disillusionment, the story of “E Pluribus Unum” offers a much-needed dose of hope and optimism for the future of America. The United States has always struggled with divisiveness and turmoil in its past; however, whenever the United States has faced a daunting challenge, the American people have always united to rise to the task. Respecting each other’s differences, they united in their shared faith in the limitless potential of what together they could accomplish. There is no reason to assume that the vault of this uniquely American spirit is now empty or that the reservoir of the American will is depleted. Once again, immigrants will assimilate and add to the national character. Once again, Americans will be able to mollify their differences throughcivility, tolerance, and discourse. And, through the leadership, courage, and perseverance of the American people, once again, out of many there shall emerge one nation, stronger and more united than ever before.

I would like to extend a safe 4th of July to all.  Remember, the wisdom of “E. Pluribus Unun” “from many one.”

Remember, keep moving FORWARD to stay ahead in REVERSE.

Don’t miss our workshop next week July 8th, “Selling Reverse Mortgages
Over the phone”  To reserve your workshop spot  CLICK HERE!

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How to plan your senior newsletter?

July 1st, 2009

post by Sam Collins 
newsletter

How to Plan Your Senior Client Newsletter?

Planning to have a great newsletter does not take any longer or any more work than a poor newsletter.

Content takes time to research, write and then getting into some resemblance of an attractive layout.  Obviously, next it requires the same time to mail a good newsletter as a poor one.  Most often,  they  both cost the same thing.

When considering a newsletter for your senior client, you need to constantly remind yourself, what you want to achieve to meet the need of your senior client.  Having a really good newsletter is important to tie in other aspects of your contact and marketing efforts.

Here are some questions to consider before starting your customer newsletter.

  • 1. Your senior clients are the ones who will read your newsletter.

The bottom line is your senior client wants to read what is important to them, and not what is important to you.  Providing good useful and helpful information, along with mixing a good success story are  keys  to reaching your senior clients.

  • 2. Ask yourself and consider what concerns do my senior clients have and what can I provide that they want to know that will help them?

Really good newsletters have great content and entices your senior client to want to read.  You want to mix in a certain amount of news that will hopefully prompt a question or inquiry, after all, response is one of your major goals.  Yet, if your newsletter resembles just another marketing piece, then your senior readers will be turned off.

A fair portion of your newsletter should contain a good mix of both about reverse mortgages, while the other can be focused on other content which includes information and things of interest to senior clients.  Keep your newsletter light and humorous.  I always throw in some interesting bit, words of wisdom and some humorous quotes to the newsletter  keep fun and enticing.  

Now, you are probably interested in getting your newsletter started.  You can probably do it yourself and I have found this works for a while, but as you know consistency is the key to senior marketing.

Would you like to see a copy of our Senior Times newsletter we mail every month to our senior clients?  We will do it for you and it will be delivered to you every month.  You get a fully documented and word formatted newsletter.  All you have to do is insert your name and contact information.  WE will mail your newsletter or you can do it yourself using your local printer.  To see a sample CLICK HERE

Remember, keep moving forward to stay ahead in reverse.

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Don’t miss our Workshop next week July 8th, Selling Reverse Mortgages
Over the phone…see our calendar of events to register.

 

 

 

 

 

 

 

 

 

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Reverse Mortgage - HECM Training by HUD

June 30th, 2009

post by Sam Collins
hud-seal

Today, I attended  a webinar, wherein the Denver HUD office presented a great HECM Training session.  The training program was suitable for loan officers, lenders, managers, processors, and brokers correspondents.

There was some interesting information dispensed.   The HUD training team did an excellent job and  dispensed the information in an efficient and understandable method. The most noteworthy information was  that “Gifts” are now allowed for HECM purchases.  This is indeed a pleasant addition to the HECM purchase program.   There also were many resources given on the webinar.  The average age of borrowers today doing a reverse mortgage is 73, the average appraised home value ws $239,400  and as suspected 89% of senior clients opt for the line of credit payment option, while 4% are tenure, 1% are term, and 3% are a combination.  The HECM Arm option is the most popular.  I also learned that the monthly HECM ARM caps are determined by lenders.

Copies of the two power point presentation are posted on REMALO for your review. 

Remember, keep moving foward to stay ahead in reverse.
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Welcome to July…CLICK HERE to see our Calendar of Events for July 2009

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Dedicate yourself to personal development

June 29th, 2009

post by Sam Collins
prelimnary-review

Are you dedicated to personal development?

If you are dedicated to personal development there is no tell telling  just where it will lead you in life.  Your goal should be to climb higher than where you are now and may have believed possible.

Your personal goals can include not only business, but personal goals.  When you develop a combination of the two, you are likely to live a happier and more balanced life.  You may be thinking, “I’ve heard the goal setting story before.”   Admittedly, personal development is something that is an ongoing task and we all need reminders.

Here are some steps to use along the way for your own personal development:

1.  Develop a plan for growth:
The whole process starts with a plan and continues forever.  The plan must be written and it must be specific.  You must remind yourself of the plan.
      a.  Identify the top areas you want to develop.  Base this on your dreams and goals. Keep your    list limited to no more than five to start.
            1.
            2.
            3. 
            4.
            5.

     b.  Plan time to grow.  Take time to find time to work at least one hour a day on your plan.   Simply, getting up an hour earlier could be the answer.  I’ve never had any luck with the late night hour.

2.  Create an atmosphere to foster growth:
     a.  Show the world you wish to display some sort of personal growth.
     b.  Do something unusual that is out of the norm for you.
     c.  Determine a future benefit your changes will have on you in days to come.

3.  Associate with successful people:
The old saying “birds of a feather flock together” holds true when it comes to you meeting goals.  Relationships both personal and business are major keys to your growth.
     a.  You may want to find a mentor.
     b.  Make time to talk to your highest producer and determine their secrets to success.
     c.  Have someone you can share your inner self and thoughts.
     d.  Read and join in educational and self promotional events.

For me, I consider my growth is just beginning.  I know there are many goals and things I want to accomplish on my path to personal development.  I admittedly have to stay  constantly challenged and reminded  to stay the course. 

Good luck in your journey of life  and achieving your desired happiness in that development.

(Here is another article that may help you:  Click Here)
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See our next months calendar of events, posted for July.

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