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The Road Backwards: Reverse Mortgage Industry Outlook in 2016

New policy changes for the Home Equity Conversion Mortgage (HECM ... s annual tally. The next year, endorsements plummeted to 52,949 units—a level not seen since 2012, when the industry finished the y... read more

Primer on The False Claims Act; FHA, Wells, Agencies, and MI Companies Fight Over High LTV Ground

The share of FHA loan endorsements to ... to serve a wider segment of low-income borrowers, which is modestly beneficial for the mortgage insurers." FHA published Mortgagee Letter 2016-10, Home Equity ... read more

My view: Ten myths about gifted students and programs for gifted

She has taught graduate-level gifted endorsement courses for more than 20 years ... procrastinate until the last minute when doing long-range assignments, get low grades, are disorganized and have poo... read more

Shoestring Living: Be grateful every day

Back in the land where we didn’t have kids that participated in unimaginably expensive sports or wished for gifts like iPod Touches, my husband and I actually purchased gifts for each other. I am a go... read more

There have been 20 big league hitters named Brandon, and three play in the same infield. A look at the Brandons:

The list covers most of the alphabet, from Allen to Workman. It includes failed prospects (Wood), Cy Youngs (Webb), prolific tweeters (McCarthy), Gold Glovers (Phillips) and Tommy John patients (Beach... read more

Bottom Falls Out of HECM Market with Just 3,345 Loans in April

and this strikingly low month may not be as far as the HECM market sinks before things turn around. “The question now is whether this is the bottom for endorsements, and based on funding data collecte... read more

Summer diatom blooms in the eastern North Pacific gyre investigated with a long-endurance autonomous surface vehicle

This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, reproduction and adaptation in any medium and for ... read more

On the Origin of Science Writers

Every now and then, I get an email from someone who’s keen to get into science writing and wants to know how I started. Whenever I reply, and I always try to, I’m always left with the nagging feeling ... read more

Cheers and Jeers: Rum and Coke FRIDAY!

Sandra Bland, alive and well, before visiting Waller County, Texas I live in a house with six black girls and women. I have four daughters, ranging from the ages of 2 to 15 years old. My wife, Rai, ... read more

How much retirement savings do you really need?

In the past, individuals were told they would likely be able to get by if they saved 5 or 10 times their annual salary. However, Salisbury recommends that you actually need 33 times what you expect to ... read more

Doctor Who Season 8 Begins (mild spoilers only)

It has the unfortunate tendency of the new show to throw everything but the kitchen sink into big spectacles (Daleks ... What about Peter Capaldi? His more somber, low key persona is a nice change of ... read more

Govt. decide if poor people get free cell phones?

FROM CNN's Jack Cafferty: Free cell phones for the poor. Yet another example of where our government is getting involved. The Pittsburgh Tribune Review reports on programs that provide free cell phone... read more