respa good faith estimate timing
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respa good faith estimate timing

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Hey thanks Andy and welcome to all of you you know dodd-frank mandated that the Consumer Financial Protection Bureau combine the respite GFE and the early Truth in Lending disclosure the hud-1 and the final truth in lending disclosure so they've issued their proposal to do just that it's a thousand ninety nine pages in that proposal and let me tell you there's no fluff in there they needed that amount of space to discuss this all and the bottom line is you basically toss out everything you know about mortgage lending and mortgage lending disclosures so much has changed and and once these become final and we're waiting for them to become mandatory and we're going to have a foot in in both worlds it's going to be confusing as all get-out but there are some concepts and and some new approaches that you need to start getting in your head now so we're going to be focusing today on the proposed new forms the loan estimate and the closing disclosure they not only have the information that used to be in in the old forms that they're combining but they're going to be building in a lot of new information mandated from by dodd-frank from the negative amortization statement to the escrow account disclosures and everything else shown in the bullet point list that is on page one of your materials it it is the goal is to present consumer with all the information they could possibly need to truly understand the transaction that they are entering into so Jack set the stage for it a little bit all right well these revisions that we're talking about today the forms and self you know their combined what used to be in RESPA with what used to be in truth in lending but the resulting product is lodged in truth in lending so the the information about how to fill out the forms it's in regulation z in the comment area agency alright so they've combined stuff from rest but brought it over Marybeth you made 2 comments there a moment ago and while we largely agree on things you said there's no fluff in the reg you know it's not the agency's fault but there is some fluff in there all that stuff about the paperwork reduction act oh oh yeah yeah I understand your comment though and you also said throw out everything you already know boy that's largely true but you know there are some concepts and you'll see it as we go through here where you going home well that's just like it is on that one oh that's just like yeah so they brought over stuff they didn't they really didn't throw it all out you look at the forms you think I've never seen anything like that before but as you dig in you'll see there is some familiar terrain but anyway though the information we got its all in reg Z

FAQ

How many people became atheist to fill the void created by the lack of simple faith in something?
I don't think that anyone becomes an atheist. They merely remove a past belief from their life if they were once religious or they have never been religious to begin with and chose to remain so. It is akin to ceasing to believe in Santa. It doesn't brand us as becoming Santaless for the rest of our lives. We stop believing in Santa because we realise there is no proof of his existence, as much as we may want there to be. I certainly do.It seems that what many religious people fail to understand is that both theists and atheists have a vast array of things and people to have faith in, without mention of the faith in a God. We have faith in our friends and families, in our jobs, mode of transport and in ourselves, to name but a few of many.I think faith is a wonderful thing, including religious faith for those who believe it and find peace or support through it. No decent non-believer would ever ridicule that. But I personally don't feel there is a void to fill as an ex-Catholic. I felt greatly unburdened when I stopped believing unquestioningly and did my own thinking and research. It did not change my morals. If anything it made me take more responsibility for myself and my interaction with the world around me. I, as an atheist, just get on with my life and try to do my best for my family and for others. I don't wear a badge that says "I'm an atheist" and I don't mention it unless questioned. It's a non-issue to me for the most part.Thank you for asking an interesting question that made me think. I appreciate that.
If you left a survey for burglars to fill out the next time they ransacked your home, how would they rate the experience?
How did you learn about us?Rumors about rural houses having little Security.Location: 5/10Location was alright. Around 500 meters to the nearest neighbor. But unfortunately an hour away from any sizable population (20,000 plus being a sizable population.)Transportation: 10/10Transportation was top notch. The owners of the property never lock their Minivan or Pick-up truck. The keys are always left in the vehicles. Both are moderately new and somewhat non-descriptive so a perfect getaway vehicle. Not only did they provide vehicles they also kept trailers in a easily accessible unlocked shed.Security: 9/10Security was lax. There is a gate but it isn’t locked. Doors aren’t locked unless the house is left unoccupied for more than 2 weeks. No cameras made it really easy. They did have a dog which made it a bit of a pain. He was easily disposed of as he was just a Labrador Retriever puppy. Owners are very light sleepers don’t rob if they’re around.Products: 10/10No place has better selection. The place had 3 DSLR cameras, 3 Workstation class desktops, 3 tablets, 4 drones, 6 Smartphones, 9 external monitors and 11 laptops. All of the items were of premium design and value (aka Apples or equivalent). The freezers and shelves were well stocked the rest of the property was much more appealing though.They also had a shop on the property with many tools ranging from mechanics to carpentry to fabrication. The tools were of medium quality. The shop also stored 2 ATV for added convenience. The shop wasn’t the jackpot though.The shed was the real treasure trove. This drive in shed held heavy equipment all with the keys in the ignition for easy accessibility. The average equipment’s value was around $100,000, with a combined value of around $1.5 Million. Unfortunately the heavy equipment is hard to transport and the market is too small to get away with it.The products all seemed gift wrapped for the taking. Everything was easy to find as it looked organized.Laws in the area: 10/10Owners aren’t allowed to use lethal force or even have a premeditated weapon for self defense. A robber in the area once accidentally locked himself into the garage place he was robbing. As the owners did not come home for a couple days he resorted to eating dog food. The end result was the owners were charged for negligence of the robber. Laws almost protect us. Owners are not supposed to attack us in any way or they may be charged.Would you recommend to your friends?If everybody is gone a resounding yes. Unfortunately that’s not very often as the house is occupied by Home-schooling kids, a Writer and the owner is a farmer who mostly works on property. Also if you intend to use brute force, bring a weapon. All the occupants are big. The average height is around 6 feet.BTW bring friends to help loot. It really requires a team of people to loot the place.
What personality tests are good, free, and on the internet to fill out?
Many free personality assessments are fun, but not really useful.  It depends on what you are looking for. If the 'test' provides you with results but no way to use the information (no interpretation of your results, no debrief, no access to a trained consultant) then you have data with potentially no understanding, no context or no way to apply the results. Unless you can find the content and consultant on your own you have to consider what you will do with the results.  Finding a 'test' that is based on well known personality constructs and not one that makes up it's own personality factors is generally a better idea. Look for tests that offer you information on how they were created and what they were validated with (if the results are repeatable and how well they measure what they say they are measuring).I use an on-line assessment tool for Jungian Personality type assessment called Typefocus.com  - there is a free version and the option for a more detailed paid result. I have used this assessment for 8 years and find it's validity as good as any out there for measuring Jungian personality type (it uses the same jungian functions as the MBTI, against which it has been validated). The reason I use this assessment is that there is also a lot of data related to personality type available in general and many trained interpreters you can tap into once you obtain your results. I have assessed many, many on-line personality assessments over the years and there are a lot that you can have fun with and others you will find more useful.
How often do you take the time to fill out surveys?
Very often and I do it almost everyday for many times as well. For if you really want to make some money online with surveys, you need to really work hard for that. You need to sign up with a few websites and start to always do the surveys in a regular basis during th days and you ha d to do it fast as well. The reason being that some surveys will need certain amount of people to do the surveys within an hour or two. Once they meet the quota, the survey will be closed . There are actually some strategy that you can follow[1] and don’t forget to sign up and start to do your work as well.Footnotes[1] Christian Money Tips
Why does it take so long to get a prescription at the pharmacy?
The wait time given is not always the time it takes to fill YOUR prescription. It's usually the time it'll take to finish everyone else's prescription that came before yours.Your prescription has to be entered EXACTLY the way the doctor wrote it. If someone, such as an assistant, enters the prescription incorrectly but doesn't notice until the pharmacist checks it for accuracy and appropriatenes, the process gets restarted. The prescription gets sent back for someone to cancel it in the computer and re-enter everything once again. If you go to a pharmacy with inexperienced staff, lots of mistakes are made behind the counter, but the pharmacist has the final check. Trust me, there's a lot that can go wrong and can be missed if the pharmacist is rushed and stressed out.For instance, I used to work at a VERY busy pharmacy. We even had a huge room sized robot that counted and labeled the majority of our prescriptions. This would seem like it would make it super easy to work there. But, in fact, sometimes it made it even more dangerous for patients. Anyway, on a very busy day, the pharmacist made an error and didn't open up the box of fentanyl they were checking. Just so happens that 100microgram patches were put in a 25 microgram box. That's 4 times the dose that the patient used to receive. The patches look all the same except for the box and the size of the patch and maybe some writing but when you've been on these meds for a long time most people won't even think to read the package each time they apply the patch to their skin.We got a frantic call from the patients wife who, upon trying to wake him, she was unsuccessful. She called to inquire if the doctor changed his dose… That's when the pharmacist asked her to read the patch off his arm. This pharmacist was mortified that they had made such a huge error. It ruined them for a long while. Luckily, the patient survived. But, those mistakes stick with you forever. They're always on their minds when they are working and sadly even when they aren't.So when you wonder what takes so long to prepare a prescription, please be nice about wait times, you really don't know what the pharmacist has just gone through and they may just want to take their time so nobody gets hurt.
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