Rhyan Finch is the Broker, Owner, and Founder of 1st Class Real Estate and leader of The Rhyan Finch Real Estate Team. He started on a small team at a nationally known franchise firm and quickly grew to learn the ins & outs of a functioning real estate team while realizing ways he could improve this business model to grow and better serve his clients and agents in this industry. He is a family man with a devotion to God, his beautiful and accomplished wife, and his two children. Rhyan has one goal in his heart – to change lives and to serve more clients with 1st Class service.
Join us as Rhyan shares his realtor mindset and a glance at his journey to becoming a Real Estate Rockstar by becoming a Top Seller in real estate!
Quotes To Live By
“Real estate is going to be an adventure!” – Rhyan Finch Click to Tweet
“You want to be doing things in business that have multipliers!” – Rhyan Finch Click to Tweet
“Failure is succeeding at the wrong thing!” – Rhyan Finch Click to Tweet
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In this Episode, We Also Talk About
How to start with something that is going to produce money NOW!
How to go from working with buyers to working with sellers
Looking at real estate as a business
Generating income producing people first!
How to get to the next level regardless of where you are!
How to break through your goals.
Plus so much more!
Thank & Connect with Rhyan
If you enjoyed this interview and would like to connect with Rhyan and thank him for his rock solid advice, you can do so easily by following the link below.
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Thanks for Rocking Out
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You CAN get guaranteed life insurance even with serious medical conditions, such as living with a defibrillator.
I have written in the past about how you can obtain life insurance even if you suffer from some sort of heart disease. These cardiovascular complications are extremely common in the United States.
Because there are so many people impacted by it, there are millions of people out there that could benefit from affordable life insurance even with a defibrillator.
It is not easy but as long as you can show improvement in your overall health, getting coverage is not impossible. If you want a plan and you have health problems regarding your heart, the good news is that more than likely you’ll be able to get the coverage you want at an affordable rate.
There are some cases, however, of certain heart conditions where you will not get approved for life insurance, at least under basic underwriting.
Recently, I had an individual contact my office that was a 61-year-old male that needed a ten-year term life policy for $100,000.
He called in inquiring if he could be accepted for a traditional term life insurance plan. As mentioned above, with certain heart disease conditions you can get approved, but in this case, we have had a lot of things going against us.
Existing Heart Conditions
For his heart disease conditions, he had a quadruple bypass just over ten years ago. While it definitely raises the flag as a potential high risk condition, it doesn’t necessarily rule out getting approved. Unfortunately, eleven years later he had a defibrillator installed because he was feeling sluggish from the medication that he was required to take.
For those that don’t know what a defibrillator is, according to Wikipedia,
Defibrillation is a common treatment for life-threatening cardiac dysrhythmias, ventricular fibrillation, and pulseless ventricular tachycardia. Defibrillation consists of delivering a therapeutic dose of electrical energy to the affected heart with a device called a defibrillator.
When you combine that with the fact that he was also a diabetic, there were just a lot of high risk conditions that would ultimately lead to him being denied by most life insurance carriers.
Does that mean that it is over? Not necessarily.
Guaranteed Issue Life Insurance for Serious Heart Conditions
Most insurance carriers would deny him for basic underwriting insurance, but there are guaranteed issue products that would take him on with no medical exams whatsoever. Since he was needing $100,000 of life insurance coverage, we went to Guaranteed Trust Life for our policy. Guaranteed Trust Life is one provider that offers guaranteed issue life insurance, they are just one of the dozens that offer this type of policy.
Guaranteed issue policies will have you answer basic questions and if you can answer “no” to all of them then they will underwrite you. As I have also mentioned here on the blog, the guaranteed issue does come at a cost. Since they are willing to write you even though you are a high risk individual, you are going to have to pay for it.
Because you don’t have to take a medical exam, they have very little information on you and what problems could arise in the future. The goal of the insurance agent is to decide how much risk you are for their plans.
For a 60-year-old male that needs $100,000 of coverage, you are looking at a rough cost of about $5000 a year for your premium. Is that expensive? For some people it can be, but if you absolutely need the life insurance coverage then that is the price you are going to have to pay.
As you can see, even though the individual had heart disease with a defibrillator, he could get protection. If you have been denied from a previous carrier for basic term insurance because of a heart condition, this is another option that you should consider.
Every insurance company is different, some companies have experience working with certain conditions, like diabetes or heart conditions. Depending on your heart condition and defibrillator, there could always be a company that accepts you for a traditional medically underwritten policy. It’s important to work with an agent that has experience with your specific situation.
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Getting the lowest rates
Life insurance doesn’t have to be a major expense. You can get the lowest rates possible by shopping with different companies before you pick a policy. As we mentioned early, because every company is different, they have different standards and rating system that translates into different monthly premiums.
Similarly, focusing on your health can have a huge impact on your life insurance premiums. If you choose to apply for a traditional policy, the life insurance company is going to review every area of your life. If you want to increase your chance of being accepted for a term policy, make sure that you maintain a healthy weight.
Being overweight or obese can drastically reduce your chances of getting life insurance coverage, especially if you have another health problem. Regular exercise and a healthy diet will work wonders on your waistline, your health, and your wallet every month.
The Importance of Life Insurance
Regardless of your health or heart conditions, it’s important that you get life insurance coverage for you and your family. Giving your loved ones the financial security that they need.
Before you buy a plan, you have to add up your mortgage payments, car loans, credit card bills, and much more. These are the debts which would go to your family members. This isn’t the type of inheritance that you want to leave to your children. You’ll leave emotional pain, but it can be even more difficult as the debts are piling up and they have no way to pay for them.
The best way to keep your family from struggling financially to pay for your final expenses is to have a life insurance policy that will cover all those debts. Before you purchase a policy, regardless if it’s a no medical exam or a traditional medically underwritten policy, crunch the numbers to buy a big enough plan.
Not only do you have to calculate all of your debt, but you also have to think about how much income your family would lose. Do you have a wife and children that rely on your salary? Would they have thousands of dollars of debt thanks to you? Depending on how much coverage you can get, you should consider how long your family would need to replace your income.
From a family robot assistant to a self-driving car, there are so many technological advancements to look forward to. In this article, we explore some of the most futuristic tech that could change your life in the next five years.
1. Enabot EBO X
The Enabot EBO X Family Robot is a versatile home assistant robot equipped with advanced features such as a built-in camera for home security, a speaker system and projector for entertainment, and functions such as vacuuming and mopping floors. It can also interact with voice commands and engage in conversations, making it a fun and interactive companion for your family. Overall, the Enabot EBO X is a cutting-edge technology designed to make your daily life easier and more enjoyable. The Enabot EBO X is expected to start shipping in 2023.
2. Hypershell Exoskeleton
You’ve always seen them in movies but it’s about to become a reality. With the Hypershell Exoskeleton, you’d be able to improve your mobility drastically. The Hypershell exoskeleton is a wearable technology designed to enhance human performance and mobility. It provides support to the legs, hips, and lower back, using advanced motors and sensors to provide assistance and reduce the risk of injury. The exoskeleton is controlled by a computer mounted on the waist and can be adjusted manually. It has the potential to improve the quality of life and independence for individuals with mobility impairments and those who perform physically demanding tasks.
3. SeeAir
The SeeAir tankless dive system is a portable and lightweight device that provides a nearly unlimited air supply for scuba divers. It uses a compact compressor to draw in air from the environment, eliminating the need for bulky tanks or hoses. The system is easy to use and maintain and features a rechargeable 5-hour battery, depth gauge, and timer. It is ideal for adventurous and novice divers and has a smaller environmental impact than traditional scuba diving equipment.
4. Geo Wallet
This is the world’s first MagSafe wallet with full Find My functionality. As they said on their product page, nothing ruins a vacation like losing your wallet with all your credit cards and IDs. The GeoWallet can hold up to 10 cards, features RFID-blocking technology, and is both scratch and water-resistant. With its GPS technology, it can be located using the Find My app, and users can activate Lost Mode to receive alerts if it is found. The Geo Wallet is a stylish and practical accessory for those who want to keep track of their belongings.
5. Heisenberg LawnMeister
The Heisenberg LawnMeister is an all-in-one robot lawn mower that uses Vision AI technology to create a detailed image of the lawn and guide the mower in a precise and efficient manner. It has a large-capacity battery, a built-in rain sensor, and comes with a user-friendly app that allows homeowners to set up a mowing schedule and monitor the mower’s progress. It also has plant-trimming and fertilizing capabilities and can mow up to one acre. The LawnMeister is a convenient and reliable solution for homeowners who want to simplify their lawn care.
6. TIMEMORE Electric Coffee Grinder
For all you coffee enthusiasts, watch out cause TIMEMORE is changing the Coffee grinding game. The TIMEMORE Electric Coffee Grinder is a high-quality coffee grinder that features a powerful motor and stainless steel burrs that produce a consistent grind size. It has adjustable settings for grind size, is easy to use with a user-friendly interface, and has a large capacity for multiple cups. It is durable, easy to maintain, and comes with a brush for cleaning hard-to-reach areas. Overall, it is a reliable and practical choice for coffee lovers.
7. AliSleep
AliSleep is a high-tech pillow that is designed to reduce snoring and provide a soothing massage while you sleep. It has built-in sensors that detect snoring and adjust the pillow’s height and position to reduce snoring, as well as built-in vibration motors that provide a gentle massage to the neck and head. The pillow has a memory foam core for optimal support and pressure relief and is made with breathable materials for temperature regulation. Overall, it is a potential choice for anyone who wants to improve their quality of sleep.
8. ARKH
ARKH is an augmented reality development platform that simplifies the process of creating AR applications by providing a visual editor, APIs, and SDKs. It is compatible with a range of devices and allows developers to add AR features to their existing applications. ARKH offers a powerful and flexible solution for creating cutting-edge AR experiences. With the ARKH AR controller, you could move around AR items in real-time.
9. Tesla Autopilot
If you’ve ever wanted to relax and let your car do the driving, Tesla has got you covered. Tesla’s self-driving technology, Autopilot, is a suite of advanced driver assistance systems that enables Tesla vehicles to operate semi-autonomously on the road. The system uses cameras, radar, and sensors to detect surroundings, navigate roads, change lanes, and park itself. Tesla’s Autopilot also includes safety features to prevent accidents and improve driver safety. The Full Self-Driving (FSD) system, currently in development, is designed to enable fully autonomous driving. It is expected to be ready and fully functioning in a few years.
10. Emake 3D Galaxy 1
The Emake3D Galaxy 1 is a large-scale SLA 3D printer designed for professional and industrial use. It offers a large build volume of 400 x 200 x 400 mm, a high-precision optical system that delivers a resolution of up to 25 microns, a user-friendly interface with a touchscreen display, and a built-in camera for remote monitoring. The printer supports a range of materials and features a resin management system with auto resin feeding for optimal resin usage and waste reduction.
The future is looking bright with these technologies on the horizon. From household robots to self-driving cars, cutting-edge technologies are poised to revolutionize the way we live, work, and play.
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Who’s the best villain you’ve watched in a movie or television series? After polling the internet, these are the top-ranked twenty-five villains of all time.
1. Ian McShane as Al Swearengen in Deadwood
One person suggested, “Al Swearengen from Deadwood, played by Ian McShane. It’s the story of a villain defending his village. He’s so good that the entire series pivoted to being about him.” “He’s a bad guy you’d want on your side, that’s for sure. My favorite TV character,” a second confessed.
2. Tony Dalton as Lalo Salamanca in Better Call Saul
“Lalo Salamanca in Better Call Saul. When he jumped down that cliff, I knew he was a maniac,” claimed one. A second said, “He was so well-written and a charming devil.”
3. Marc Alaimo as Gul Dukat in Star Trek: Deep Space Nine
One user noted, “Gul Dukat in Star Trek: Deep Space Nine. He goes from evil Hitler type to loving father on the run from his government to crazy possessed madman in a single series.”
4. Darth Vader in The Star Wars Franchise
“Darth Vader” shared one. A second admitted, “I’m shocked I needed to scroll so far for this. He was only in the original StarWars for nine minutes and made a global impact.” A third agreed, “I’m astonished this isn’t the top comment. He’s one of the best-written villains, let alone a cultural icon.”
5. Hannibal Lector
“Hannibal Lector. Anthony Hopkins from the film franchise and Mads Mikkelsen from the series both did a fantastic job,” suggested one. “This was instantly my first thought. So unbelievably scary but equal parts intriguing, and the intelligence and likability of his character were so interesting,” a second added.
6. Andrew Scott as Moriarty In Sherlock Holmes
Someone shared, “Andrew Scott as Moriarty In Sherlock Holmes. I kept thinking, ‘I don’t like this actor,’ and then I saw him in other roles. Finally, it hits me that it’s not that I don’t like this guy. His specific acting as Moriarty is so good he is subconsciously bothering me in a way that no one had managed to do before!”
7. Walton Goggin as Boyd Crowder in Justified
“Boyd Crowder (played by Walton Goggins) in Justified,” shared one. “He’s not particularly strong in season one, but by season two, you want him to keep getting away to have more. That he’s Raylan’s frenemy and not just a generic evil guy was such a nice touch.”
8. Gary Oldman as Lord Shen in Kung Fu Panda 2
One person volunteered, “Lord Shen in Kung Fu Panda 2.” Another admitted, “I love the way they create characters in these movies. A literal bird was the villain; A BIRD.”
“He was somehow more terrifying and threatening than any other villain in the trilogy. Birds like him aren’t supposed to be so powerful, yet Dreamworks convinced me otherwise.” Finally, a third added, “That’s also the power of Gary Oldman.”
9. Vincent D’onofrio as Wilson Fisk/Kingpin in Daredevil and Hawkeye
“Vincent D’onofrio as Wilson Fisk/Kingpin in Daredevil and the Hawkeye Marvel series on Disney+,” shared one. Others noted he was also a fabulous villain in The Cell, Full Metal Jacket, and Men in Black.
10. Grey DeLisle as Azula in Avatar: The Last Airbender Series
“AGREED. I was searching for that comment. The way she NEVER looked into a mirror until the episode she went crazy and all those other tiny little details… She was, is, and always will be the best villain in cinematic history,” expressed one.
11. Eartha Kitt as Yzma in The Emperor’s New Groove
“Eartha Kitt as Yzma in The Emperor’s New Groove is a remarkable and underrated Disney villain,” suggested one. After several people quoted the film, one stated, “That whole movie is just so quotable. Eartha Kitt killed it as Yzma.”
12. Leonardo DiCaprio as Calvin Candie in Django Unchained
“Leonardo DiCaprio in Django Unchained was on point,” one expressed. However, “Stephen (Samuel L. Jackson) was also pretty great, and if anything, was the real villain in that movie,” a second user argued.
13. Christopher McDonald as Shooter McGavin in Happy Gilmore
One person suggested, “Christopher McDonald as Shooter McGavin in Adam Sandler’s Happy Gilmore is easily one of the best villains of all time.” However, another argued, “I would go further and say the caretaker (Ben Stiller) at the old folks home was worse.”
14. Louise Fletcher as Nurse Ratched in One Flew Over the Cuckoo’s Nest
“Nurse Ratched in One Flew Over the Cuckoo’s Nest just because of how implicitly she tortured the inmates. She was such a good, evil actress, and I instantly hated her as Kai Wynn in Star Trek: Deep Space Nine, too,” one said. Another noted, “She apparently couldn’t watch the film for years because of her performance. Imagine playing a villain so well that it psychs you out.”
15. Javier Bardem as Anton Chigurh in No Country for Old Men
One person volunteered, “Javier Bardem, as Anton Chigurh in No Country for Old Men.” “Chigurh is terrific not only because he’s a terrifying psychopath, but he holds the delusion of being an agent of fate – then the car crash which nearly kills him happens in the end. Chigurh isn’t immune to fate. He’s just insane,” a second added.
16. Imelda Staunton as Dolores Umbridge in Harry Potter
“Dolores Umbridge,” one replied. “The thing with her is that she is such a REAL, COMMON character to everyday life. For example, you’re not going to encounter a Darth Vader or Lalo Salamanca, but chances are that you have already met someone like Umbridge. She is almost the perfect definition of a lawful evil character.”
17. Alan Rickman as Hans Gruber in Die Hard
“Hans Gruber. Alan Rickman portrays him so well,” one noted. “This needs to be higher! Rickman was also an incredible villain like The Sherriff of Nottingham in Robin Hood: Prince of Thieves, but Hans Gruber in Die Hard is the greatest villain of all time,” a second professed.
18. Erik Lehnsherr/Magneto From the X-Men Comics and Films
“Magneto. There are times when you can sympathize with him, and his actions almost seem justified. The most likable villain,” said one. A second added, “How can you go wrong with Ian McKellen and Michael Fassbender? The combination did an outstanding job as Erik Lehnsherr/Magneto, undoubtedly one of the best younger and older acting combinations ever.”
19. Jack Gleeson as Joffrey Baratheon in Game of Thrones
“Joffrey Baratheon in Game of Thrones,” said one. “Let’s all be honest. Jack Gleeson did an outstanding job acting that we all hated him.” A second shared, “Joffrey, please put some respect on this tragically messed up character who made Jack Gleeson take an acting hiatus.”
20. David Tennant as Killgrave in Jessica Jones
One user admitted, “I found Killgrave in Jessica Jones to be a fantastic villain. David Tennant nailed the role! Which is strange after only seeing him play good characters like The Doctor.” A second stated, “Easily one of the best Marvel villains who doesn’t get enough attention.”
21. Giancarlo Esposito as Gus Fring in Breakign Bad
“Gus Fring helped me understand that Walt was genuinely evil. For example, when the villain is more honorable than the protagonist, there may be a problem with the protagonist (morally, not thematically),” one suggested. A second added, “I came here to say this, and more broadly, Giancarlo Esposito. He plays villains who are so nuanced and terrifying.”
22. Ellen McLain as GLaDOS From The Portal Video Game Series
Someone suggested, “Everything GLaDOS says is pure, sarcastic gold. She can pull all of it off so well. “A second confessed, “I’m playing Portal for the first time, and I’ve known how GLaDOS is pretty sarcastic, but I still got pleasantly surprised and just a little hurt by her dialogue. I wasn’t expecting the fat jokes.”
23. Antony Star as Homelander in The Boys
Someone volunteered, “Homelander from The Boys is one of them. Whenever I thought he couldn’t get any worse, he’d do something even more depraved. He is selfish and self-centered and gets away with it because he’s so powerful. Oh, and what makes him the most dangerous is that he’s pretty dumb.”
24. Matthew Goode as Ozymandias in Watchmen
One user quoted Ozymandias from Watchmen, “You don’t think I’d explain my plan if there were the slightest chance you could stop me, do you? I did it 35 minutes ago.” A second added, “This was a brilliant piece of meta-dialogue. They didn’t break the fourth wall entirely, but it was a great way to address what is often such a silly movie trope.”
25. Christoph Waltz as Hans Landa in Inglourious Basterds
“Christoph Waltz in Inglourious Basterds is the first that came to mind,” confessed one. “Hans Landa was terrifying in so many ways. This actor is insanely good,” replied another.
What do you think? Did Reddit get this right, or is your favorite villain missing from this list?
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Pets are like your children, and just as you would ensure your little one’s oral health, you can’t ignore your pet’s dental health either.
Admittedly, dental issues can be costly for pets as they are for humans. That’s one crucial reason for getting a pet insurance plan covering every dental illness or accident.
So, if you’re planning to get the best pet insurance for dogs and cats, welcome to the perfect guide for all pet owners. Below we mention all you must know about pet dental insurance when buying a pet insurance policy.
Though, before we delve deeper, let’s first discuss the vital million-dollar question: whether your pet insurance coverage can include dental care or not.
What’s Ahead:
Can pet insurance plans cover dental care?
Typically, pet insurance companies don’t consider coverage for dental illnesses or a dental disease as a standard clause. Therefore, if you want accident and illness coverage, you have to buy the special pet insurance explicitly designed for dental coverage.
Or, you can do your research and contact a pet insurance company offering dental coverage as a preliminary to all pet owners. Pet insurance providers like Healthy Paws understand the significance of dental cleanings and how painful gum disease can be if not prevented- or treated- at the right time.
Whatever insurance plan you opt for, you need to check the kind of dental coverage. For instance, some pet dental insurance plans may include dental injuries, while some like Health Paws can cover extensive treatments like tooth extractions.
In addition, one pet insurance plan may cover the dental issues of pets under three years of age. In contrast, other pet insurance plans might cover dental treatment only if your pet received its annual dental exam within the previous 13 months. Therefore, you must check all these clauses before getting an insurance plan covering your pet’s dental hygiene.
We’re not exaggerating when we claim that it’s always safer and more rewarding to look for your pet’s dental insurance coverage. If you need more convincing, let’s head on to understand the benefits of buying coverage for pet dental care.
Why get dental insurance for your pet?
One of the top benefits of having pet health insurance with dental coverage is safety. You can have a peaceful state of mind because you can stay ready for dental issues in dogs like gingivitis and periodontal disease. Additionally, you never know when your pet might require a tooth extraction or treatment for periodontal disease.
Furthermore, cats’ dental accident and illness coverage include preventive dental care for deciduous teeth and routine teeth cleanings. These covered expenses ensure your adorable pet cat ages healthily.
Thus, having insurance to cover gum disease and your pet’s overall oral health is blissfully assuring and pocket-friendly. That’s vital, considering even preventive care and tooth cleaning can put quite a dent in your bank accounts otherwise.
What does pet dental coverage include?
Dental insurance coverage can vary, primarily depending on what American pet insurance company you get the insurance policy from. Usually, there are two categories for a pet’s dental health insurance: dental accidents and illnesses.
While some insurance firms may offer protection against accidents, others may cover dental illness only. And if you contact to get an insurance policy including both dental services, you can expect reimbursements for dental treatments for:
Gum disease
Root canals
Crowns
Damaged teeth
Gingivitis
Stomatitis
Tooth extractions
Dental procedures your pet insurance may not cover
While pet insurance for dental health can be quite comprehensive, insurance providers like Lemonade and other credible firms often don’t cover every dental disease or problem. Some general exclusions include:
Pre-existing conditions occurring before your pet insurance plan even started
Orthodontic, cosmetic, or endodontic dental treatments like fillings and implants
Regular treatments like routine teeth cleanings and routine dental care
Here’s a disclaimer:
Pet owners often consider getting pet oral care insurance to get reimbursements for tasks like routine dental cleanings. Some individuals even aim to get compensated for their pet’s dental illness with pre-existing conditions.
However, you must understand that pet insurance cover primarily includes injury and illness coverage to save you from expensive treatments. But routine dental cleaning is your responsibility as a pet owner.
While periodontal disease is unexpected and can happen for several reasons, cosmetic surgeries are a luxury, and pet teeth cleaning is your job. Ignoring teeth cleaning shows a lack of responsibility.
Poor dental health can lead to painful dental illnesses like gum diseases and eventually any periodontal disease, damaging your pet’s tissues and bones.
Because now, it’s not a matter of regular dental cleaning but gum issues, some pet owners think they can get reimbursed for this dental disease. But it’s not always the case. Insurance providers like Lemonade assess your pet’s dental claims and evaluate past treatments and health conditions before accepting and compensating for your claims.
Tips for managing your pet’s dental problems like a pro
Although having pet dental care insurance means reimbursement for costly dental disease, saving you from piling healthcare debts.
It’s still preferable to keep the costs low by incorporating effective medical care for your pets.
The tips below will help you manage your pet’s dental problems like a pro and keep their smile healthy and shining.
1. Feed them a dental diet
There are specially formulated foods that can help reduce tartar and plaque buildup on your pet’s teeth. These diets usually have ingredients that are abrasive enough to scrub away at the build-up while also containing ingredients that fight bacteria and support overall dental health.
2. Schedule regular checkups and cleanings
Regular checkups with your vet are necessary to keep an eye on your pet’s dental health. Your vet will be able to spot any developing problems, such as tartar buildup or gum inflammation, early on so that they can be treated promptly before they become more severe.
3. Brush their teeth at home
Brushing your pet’s teeth is one of the most effective ways to keep their smile healthy and clean. You can purchase toothpaste specifically formulated for pets, or you can use a small amount of human toothpaste on your finger to gently rub their teeth and gums.
4. Give them dental treats
There are a variety of dental treats available that can help reduce tartar buildup and promote overall dental health. These treats usually have ingredients that fight bacteria and support healthy gums.
5. Use water additives
Water additives are designed to help reduce plaque and tartar buildup on your pet’s teeth. Simply add the recommended amount to their water bowl and let them drink as usual.
Proceeding with your pet’s dental claims against accidents and illnesses
Buying your pet’s oral insurance policy isn’t a smooth sail. Problems arise when you don’t skim through the insurance coverage and face hassles at the time of claim settlement. Therefore, as you sign up for the insurance, be sure to ask the firm about three essential questions:
if your policy covers both dental injury and illness or any one of them
if you will have to pay more when making a claim
if there are additional limits apart from the veterinary fees
That helps you assess when and if applying for a claim is beneficial and when you’re more likely to get reimbursed.
Usually, there aren’t special instructions for filing an oral health insurance claim. But some policies may ask your pet to fulfill minimum age or dental examination requirements. Therefore, it’s better to clarify these potential limitations beforehand.
Pet insurance claims are almost like human health insurance claims. You can pay for the vet bills and submit the claim form with the attached relevant documents. And then receive the reimbursed amount for covered expenses by your insurance provider.
Or, you can check if your insurance provider pays to vets directly once your claim is approved. But for that, you’ll first need to check if the vets accept this form of payment or not.
Summary
Managing your pet’s oral routine is as important as ensuring its physical health. Of course, brushing your pet’s teeth every day doesn’t mean complete protection from dental illnesses or untimely accidents. And if you fear the high vet bills for such treatments, having pet insurance with dental coverage is even more vital for you.
Hopefully, the information mentioned above managed to clarify your concerns regarding pet insurance and dental coverage. What are you waiting for now? Research the dental policies of pet insurance companies and choose the one that offers coverage for both- oral health illnesses and accidents.
Last Updated: May 25, 2023 BY Michelle Schroeder-Gardner – 54 Comments
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Last month, I published Frugality And Ethics – When Is It Stealing? The post was very popular and everyone had an opinion on what was stealing and what was not. Also, many of you gave me new ideas, and I wanted to hear everyone’s input on the situations below. So, I, of course, wanted to publish a Part 2 to the post!
I don’t think that there is anything wrong with saving money (this is a personal finance blog after all), but I do wonder how far people will go to save money – whether it be $1 or $2 or a few hundred dollars.
No one is perfect, and I definitely am not. However, when does frugality or cheapness cross the line and turn into stealing?
Using another person’s wi-fi.
This is something that probably a lot of people are guilty of, or have been guilty of in the past. This is where you use someone else’s wi-fi so that you can get on the internet for free.
Some of you said that if there is no password to the internet account, that it’s free range for anyone to use.
However, I think that you should always pay for your own wi-fi. You might be slowing down the internet for someone else, and they might not even realize that their wi-fi isn’t password protected.
Always protect your wi-fi account!– I also remember discussing a case when I was in college about someone who had unprotected wi-fi and it turned out that their neighbor was searching something illegal. The SWAT team showed up at their door, created a huge scene, took the computers, and destroyed the person’s house all because the neighbor was searching something illegal.
Sharing accounts with others.
This is where someone has an account and multiple people/households share that one account so that only one person is actually paying for the service or product. I have heard of many people doing this with Netflix…
Netflix and other companies have specifically stated that it’s stealing, so yes, I believe it is stealing.
Drinks at a restaurant.
There are three different situations that I would like to share with this one…
1. Paying for one drink and sharing it between two people. The first person might order a soda and the second person orders a water. However, the second person never actually touches the water and only drinks the soda. – I think this is stealing.
2. Asking for a water cup but filling it up with something besides water (such as a soda). – I think this is stealing.
3. Asking for water, a bowl of lemons (I’m talking 4 or 5 whole lemons), and sugar so that you can make your own lemonade. – I think this is being cheap/frugal. I wouldn’t do this though… I know waiters and waitresses hate it when customers do this.
Signing up for something to get something for free.
There are a couple of situations that this applies to. This is when you sign up for something knowing that you won’t buy anything, so that you can get a product or service for free for trying something out. Since Wes used to work in sales, I wouldn’t do either of the situations below just because I don’t like to waste people’s time…
My first example applies to timeshares. Many people listen to timeshare presentations even though they know they will not buy a timeshare, so that they can get whatever it is for free that the timeshare workers are pitching (free movie tickets, free vacation, etc.).
My second example applies to getting professional makeup done. Usually makeup counters/companies at the mall and/or department store will offer free makeup applications as long as you buy something for from them. Some require that you pay upfront, whereas others give you the “option” to pay at the end. I have heard of some people getting a free makeup application knowing full well that they do not plan on buying any makeup afterwards.
Learn more at How To Get Rid Of A Timeshare – Stop Wasting Your Money!
Taking condiments.
This is where you go to a restaurant and take a bunch of condiment packs so that you can bring it home and put it in your fridge.
I have received extra packs before (such as from a takeout order), but I have never gone out of my way to take condiments.
Disputing items on your credit card.
In many cases, you can dispute a transaction on your credit card bill that is less than $25 and your credit card company will just automatically refund you because it’s not worth their time to investigate the problem.
I have heard of people who dispute many transactions each year and take advantage of this…
I don’t do this. I believe it is stealing. I have only ever disputed one item on my credit card bill before, and that was because a restaurant accidentally charged me twice for the same meal.
Have you ever done any of the above? What do you think of these situations?
Editor’s note: This is a recurring post, regularly updated with new information.
In the points and miles world, a mention of the infamous 5/24 rule is sure to follow whenever a Chase card comes up. In short, this refers to the unofficial rule that Chase won’t approve a credit card application for someone who has opened five or more new credit cards from any issuer in the past 24 months.
However, without any published policy from Chase, dissecting the 5/24 rule still relies heavily on crowdsourced data. There are outlier data points that can turn out to be false, as well as exceptions to what we generally believe to be true.
Here’s everything you need to know about Chase’s 5/24 restrictions.
What is the 5/24 rule?
In order to be approved for any Chase card subject to 5/24, you cannot have opened five or more personal credit cards across all banks in the last 24 months (more on business cards in a moment).
This means you actually need to be under 5/24 to be approved. The 5/24 rule only applies to getting approved for cards issued by Chase, but your 5/24 count includes credit cards from all banks.
Related: The best ways to use your 5/24 slots
Are all Chase cards subject to 5/24?
Most travel cards issued by Chase are subject to 5/24 for approval, including cobranded cards. The following are cards reported to be subject to the 5/24 rule:
*The information for these cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
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Reader reports also indicate that applying for too many Chase cards too quickly can lead to account scrutiny and shutdowns, regardless of your 5/24 status. Some online reports have noted that Chase will not accept you for more than two new accounts within 30 days.
Because of that, a general recommendation is to avoid applying for a new account more frequently than every three or four months.
Remember that 5/24 is not the only factor determining whether your Chase credit card application is approved — your credit score, income, debt levels and many other variables get considered. For business cards, Chase also sometimes requests documentation such as financial statements or articles of organization to show that you have a legitimate business or sole proprietorship.
Related: Clearing up the confusion: How to complete a Chase business credit card application
How do I check my 5/24 status?
We’ve found the easiest way to check your 5/24 status is to sign up for the free credit report service at Experian (make sure you don’t accidentally sign up for a paid service). Using the Experian app, you can view all of your accounts and sort them by the date they were opened. From here, count anything opened within the last 24 months. Chase only looks at whether an account was opened — it doesn’t matter if you’ve since closed it.
According to most recent data points, you will not technically be below 5/24 until the first day of the 25th month after your fifth account was opened. For example, if your fifth most recent account was opened on Oct. 17, 2021, do not apply for a new card until at least Nov. 1, 2023.
Related: How to calculate your 5/24 standing
What accounts add to your 5/24 status?
The following accounts count toward your 5/24 standing:
All personal credit cards opened with any bank in the immediate past 24 months (even if they’re now closed).
Business cards opened with Discover and TD Bank in the past 24 months, plus any Capital One small business card other than the Capital One Spark Travel Elite card and Capital One Spark Cash Plus accounts.
Authorized user cards from another person’s personal card opened in the past 24 months, as they’re reported on your credit report. However, you can call the Chase reconsideration line and ask for these accounts to not be considered.
Specific store cards opened in the last 24 months that are part of a national payment system and can be used elsewhere. Some data points suggest that even store cards that can only be used at a single establishment also now count. Assume that if it shows up on your credit report then Chase will count it.
The information for the Spark Travel Elite card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The following accounts will not count toward your 5/24 standing:
Related: These business cards can help you stay under Chase’s 5/24 rule
What about card conversions and upgrades?
Depending on how a bank processes a card conversion or upgrade — also known as a product change — it might not be reported as a new account. Before completing an upgrade or product change, ask the bank if a hard credit pull will be completed. In addition, ask if you’ll receive a new account number after the switch.
If the answer to one (or both) if these questions is yes, that could be a sign the account will be considered new and add to your 5/24 standing.
Related: Do product changes and conversions count against Chase’s 5/24 rule?
Are the methods to bypass 5/24 all dead?
There used to be a handful of common ways to overcome 5/24 and get a card with the sign-up bonus you desire. But those avenues are no longer working.
However, there have been some instances recently where cardholders bypassed the 5/24 rule through targeted “Just for you” offers. To see if you’re targeted, navigate to “Just for you” under “Explore products” in the left-hand menu bar when you’re logged in to your Chase personal account.
If you desperately want a card now and are over 5/24, you can attempt a product change within the Chase Ultimate Rewards card family (assuming you’ve held the card you want to convert for at least a year). However, unless you’ve been specifically targeted for a bonus to upgrade a card, you will not receive a sign-up bonus for any product change.
Related: When should you ignore Chase’s 5/24 rule?
Chase 5/24 FAQ
Can I apply for two Chase cards on the same day when I’m 4/24 and get approved for both?
Historically, some data points suggested you can apply for two Chase cards on the same day when you’re at 4/24. However, one of the applications may be automatically declined in this case. If you then call the reconsideration line, the agent may see your new (approved) account, and this may make you ineligible for the second one (though you’d still have the second hard inquiry on your account).
In either case, remember that Chase may scrutinize customers applying for credit too quickly. Our recommendation is to only apply for one Chase card at a time.
I applied for a card on the exact day I went below 5/24 and was denied. What can I do?
Wait until the first day of the next month and call the Chase reconsideration line, or reapply after the first day of the next month.
I am at or over 5/24. Can I get a card from another bank?
Yes. Approvals for credit cards issued by banks other than Chase are not affected by your 5/24 score. Of course, each bank does have its own approval criteria.
Do Chase business cards count toward my 5/24 score?
No. If you are approved for a Chase business card, it shouldn’t add to your 5/24 standing. However, you must be below 5/24 to get approved for most Chase business cards.
What if I’m under 5/24 but have authorized user accounts on my credit report that make me appear at (or over) 5/24?
Your application may be outright denied or marked for further review. In either case, you’ll want to call the Chase reconsideration line and note which accounts are authorized user accounts. The agent will likely ask whether you are responsible for these accounts and may approve you if someone else is the primary cardholder. However, this is a manual process, and it may not work.
Instead, consider planning ahead and removing yourself as an authorized user at least a month before submitting your application.
Related: How TPG staffers with the most credit cards handle Chase’s 5/24 rule
Bottom line
Chase’s 5/24 is a firmly entrenched rule with no signs of disappearing any time soon. This means you need to be extremely strategic about your application and rewards strategy so you can maximize your five allowed Chase slots.
If you’re starting in the realm of credit card rewards and aren’t close to 5/24, you’ll want to prioritize getting Chase cards first. But remember not to try to fill your five slots with Chase cards quickly. Applying for that much credit so fast is a surefire way to invite unwanted attention from Chase and risk your long-term relationship with the bank. Take it nice and slow and be smart about which cards you apply for and when you do it.
For additional reading, check out our picks for the best credit cards.
Application link: Chase Sapphire Preferred, earning 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
Application link: Chase Sapphire Reserve, earning 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
Additional reporting by Emily Thompson, Stella Shon, Katie Genter and Madison Blancaflor.
For over five years now, I’ve spent most of my waking hours reading and writing about money. I’ve learned a lot. Using this knowledge, I’ve been able to get out of debt, build savings, and even begin pursuing my passions. What’s next? As time passes, I find myself thinking more about financial independence and early retirement.
No surprise then that over the last couple of months I’ve been obsessed with Jacob Lund Fisker’s Early Retirement Extreme blog. And no surprise that my first book review since September is of Fisker’s book, also called Early Retirement Extreme.
Early Retirement Extreme
Imagine a personal-finance book written by a theoretical physicist. What would it be like? Full of formulas and figures, right? Well, that’s what you get with Early Retirement Extreme. But you get more, too.
Fisker’s story and style are unique. After graduating with a PhD in theoretical physics, he worked for five years as a research associate. For that five years, he saved 75% of his net (after tax) income. Fisker reached financial independence at 30 and then, at age 33, he retired. (How does Fisker define financial independence? By the time he was 30, he’d saved the equivalent of 25 years of living expenses. That’s a 25-year emergency fund.)
While many people think you need to earn big bucks to retire early, Fisker did it differently. Instead of boosting income, Fisker cut costs drastically. While drawing an average salary, he learned to live on less. Much less. He started to do things himself. (He wrote, edited, and published this book, for example.) His pre-retirement lifestyle and post-retirement lifestyle are essentially the same. Except now he doesn’t have to work.
Early Retirement Extreme feels like a book written by an engineer for other engineers. This isn’t a bad thing, but it is unique. Some people will love it; others will hate it.
Here’s a scan from page 111 to show what I mean:
While this sort of thing isn’t on every page, there’s still plenty of it in the book. Because Fisker is (or was) a theoretical physicist, his book is filled with formulas and figures. If this bugs you, Early Retirement Extreme probably isn’t a good choice. I found these passages amusing. Instead of letting the math intimidate me (my only college math course was behavioral statistics, and that was over twenty years ago), I glossed over it looking for the core concepts the book was trying to convey. (In the example above, “spend your time and energy on the things that will give you the biggest returns”.)
Note: Fisker notes that the book only has about twenty equations, and sixteen of them belong to one argument about investing. This is true. But Early Retirement Extreme does read like a textbook, and there’s other math, even when there aren’t complex calculations involved.
Fisker’s technical mind manifests itself in other ways. When writing about how to save money in the kitchen, for instance, he approaches it as an optimization problem. How do you choose what food to buy? Fisker writes, “The most optimal method is to shop for ingredients, and then, based on the ingredients one has available, determine a recipe.” In other words, start with what you have (or what’s on sale) and go from there. Learn to improvise. And optimally, you wouldn’t have a stovetop or a refrigerator. (You would have a slow cooker and a chest freezer, though.)
But Early Retirement Extreme is more than just a personal-finance book filled with formulas and figures. It’s also philosophical.
Philosophical Extreme
In many ways, Early Retirement Extreme is a book of philosophy. Fisker doesn’t set out to give you a step-by-step map to wealth; instead, he tries to give you the tools to draw your own map. He wants readers to think about their choices and about the world around them. He wants to challenge their assumptions about what’s financially feasible.
When I say this is a book of philosophy, I don’t mean that in some vague metaphorical sense. I meant it literally. To challenge his readers’ assumptions, Fisker begins the book by exploring Plato’s allegory of the cave.
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Plato’s allegory of the cave — like The Matrix for ancient Greeks
We’re like prisoners chained in a cave, Fisker says, except that we’re chained to our jobs, our expensive homes, the things we own. We don’t even realize there’s any other way to live. But it doesn’t have to be this way. “By taking the other end of the bargain, saving as much as other people are spending on wants, it’s possible to retire and live on invested savings after just five years of full-time work.”
Fisker notes that there are plenty of people who will dismiss this idea as crazy:
The most frequent objection to casting off the chains is that living on something corresponding to every third paycheck, or even every fourth paycheck ($6,000 to $10,000 a year), as opposed to living paycheck to paycheck, must be a boring life. Not knowing any better, I must admit that I started my own adventure with such assumptions.
[…]
As a lifelong consumer used to spending large amounts of money to obtain food, stuff, and entertainment, it’s hard to imagine how it’s possible to spend practically nothing on furniture, a few dollars on clothing, very little on food, almost nothing on transport, and generally less on rent/mortgage. However, it’s possible to live on a third or even a quarter of the median income, putting one solidly below the government defined poverty line, without living in austerity and eating grits.
This philosophical underpinning sets Early Retirement Extreme apart. The book (and the blog) are unlike any other financial material I’ve ever read. Yes, some books — including Your Money or Your Life or even my own Your Money: The Missing Manual — contain bits of philosophy, but not like this. At times, the philosophical bent is overwhelming.
Note: Think Early Retirement Extreme sounds too extreme? Check out these journals over at the ERE forums. Here’s where other people are documenting their experiments with this lifestyle.
Putting Theory into Practice
The first half of Early Retirement Extreme establishes a philosophical framework with which to evaluate your relationship to money. After he sets the stage, Fisker spends the last half of the book explaining how to put this theory into practice, how to work toward extreme early retirement.
In some ways, for instance, Fisker is like the opposite of Tim Ferriss. In The 4-Hour Workweek, you’ll remember, Ferriss advocated “outsourcing” as much of your life as possible in order to give yourself more time to do the things you want. Fisker thinks this is nuts.
“People spend eight hours a day for 30 years to buy electric can openers,” Fisker writes. (An electric can opener is one degree of outsourcing.) “The solution is to reverse the outsourcing of ordinary life skills and gradually insource skills that were previously acquired in the marketplace.” He urges readers to mend their own clothes, grow a garden, cook their own food, walk and bike for transportation, and so on.
Some parts of Early Retirement Extreme are brilliant. For instance, the six pages on “construction methods” (by which Fisker means using life skills to solve problems) are some of the best I’ve ever read about the value of doing things yourself. Fisker doesn’t actually tell the readers how to do anything; instead, he provides a framework for problem solving.
And I love the section on deciding which things to own. Fisker says that the stuff you buy should:
Have “appropriate quality” and a low lifetime cost.
Be durable.
Be easy to dispose of.
Be small and lightweight.
Be easy to make.
Be easy to service.
“For commonly used items,” Fisker writes, “a higher quality tends to pay off in the long run.” After years of frugality, I finally figured this out. Yes, it hurts to pay more for a quality item. But if it lasts, it’s worth it. (As Fisker notes, being willing to pay for quality is one of the differences between being frugal and cheap.)
Fisker also writes, “Only a fraction of the things we own contribute to our actual quality of life. These are the things we use on a daily basis.” Instead of owning lots of Stuff, why not focus on making sure the the things we use all the time are well made and a pleasure to use?
Note: My real millionaire next door is an example of someone who adheres closely to the lifestyle Fisker describes. Coincidence? Evidence that this works? Something else entirely?
Not Without Flaw
My chief complaint with Early Retirement Extreme is that the book could use an editor. Fisker writes well, but he tends to repeat himself at times. He uses long paragraphs. There are (minor) contradictions and typos here and there. An editor would help smooth some of these things — but an editor is anathema to Fisker’s philosophy.
Also, although Fisker writes with an authoritative and persuasive voice, I’m not convinced he’s always correct. (Fisker dismisses the need to cite his sources, but I think that makes the book weaker rather than stronger.)
The third chapter of Early Retirement Extreme, for instance, discusses “economic degrees of freedom” and includes a financial framework of Fisker’s own creation, which divides people into four categories:
The salary man — A wage earner with one source of income.
The working man — A freelancer or consultant with variable income.
The businessman — A business owner.
The Renaissance man — A generalist who makes a little money at many different things.
I’m sure these classifications make sense to Fisker, but they don’t make sense to me. I read this section several times and still the labels and differences between the groups seem arbitrary and not based on reality.
Despite my complaints — which are mostly about the book’s style, not its message — I loved Early Retirement Extreme. I don’t agree with everything, but I agree with much of it, and I admire the rest.
Early Retirement Extreme is about strategies, not tactics — it’s about the Big Picture instead of the day-to-day actions needed to retire early. As a result, some readers will be frustrated. But if you’re up to the challenge of filling in Fisker’s framework with your own details, this book could be a life changer.
Rates may not be as high as they were several months ago or as low as they were 5 weeks ago, but they’re close enough to either boundary that the threat (or promise) of returning is palpable. For at least the past 2 weeks, we’d been waiting for this week’s events to give us some sort of push higher or lower, but it looks like the waiting will continue.
The two key events in question were Tuesday’s release of the Consumer Price Index (CPI) and Wednesday’s Fed Announcement. CPI is the most widely followed inflation metric among regularly scheduled economic reports. It comes out once a month and has had a huge impact on rates many times over the past 2 years. This time around, it happened to be scheduled to come out a day before a particularly important Fed policy announcement.
Year-over-year CPI was destined to continue falling in this week’s report simply because it was so high 13 months ago (i.e. it’s a 12 month calculation and there was no way the current month would be as bad as the month that just got bumped out of the equation).
Month-over-month numbers filter out the impact of the past and show more detail. This is where we see the first stalemate that went unresolved this week. Simply put, month-over-month inflation remained perfectly inside the increasingly narrow sideways range that’s been intact for almost 2 years. This offered precious little guidance for the Fed announcement the following day.
Most of the market expected the Fed to hold its policy rate steady at this meeting. “Policy rate” refers to the Fed Funds Rate which applies to overnight lending between large financial institutions–something that changes no more than once every 6 weeks and that has a limited impact on things like mortgage rates by the time the Fed actually hikes/cuts.
Longer term rates (like those for mortgages) are far more interested in the forward-looking trajectory of the Fed’s rate path. At every other meeting, the Fed releases a Summary of Economic Projections. The crowd favorite is “the dots”–a reference to the dot plot that shows each Fed member’s assumptions about where the policy rate will be in the near future.
This instance of the dots was particularly interesting because it would offer insight as to whether the Fed was indeed simply pausing rate hikes or if it thought it might have reached the ceiling. On that topic, the dots left little to the imagination with the average vote clearly moving 0.50% higher, thus implying 2 more rate hikes in 2023. All that without any strong guidance from the CPI data. One can imagine the dots may have been higher if CPI had come in hot.
Markets were initially unhappy to see the Fed’s inclination toward even tighter policy, but found solace in the press conference with Fed Chair Powell. In it, he offered his typical reminder that the dots are merely projections and not predictions or forecasts (whatever that means). If he could speak more candidly, he’d likely say something like “the dots are just a guess based on how things look today. We force these people to pick a number. Most pick wrong. And depending on how the economy changes, most will change their guess in 12 weeks when the next dots come out.”
Powell went on to say that the Fed hadn’t even decided that it would hike rates at all again. It would be taking the decision on a meeting by meeting basis depending on how the data evolved. To say that places increased emphasis on economic reports would be an understatement. With some showing strength and others promising recession, it’s no surprise to see a volatile, sideways range remain intact.
In terms of 10yr yields, the short term sideways range is probably too narrow to last much longer, but it has offered solid guideposts recently.
In the bigger picture, the range isn’t as perfectly sideways. It’s more of a battle to return under the 3.4% level.
As per usual, the trends in 10yr yields substantially reflect the trends in mortgage rates.
So what does the data say about how things might evolve in the near future? Truly, that’s up for debate! The following chart from economist Justin Wolfers made rounds on Friday, tacitly shouting that it’s ridiculous to expect a recession right now based on most economic data.
At almost exactly the same time, Wells Fargo economists put out their weekly note with some thoughts on recent trends in the Leading Economic Indicators index ahead of next week’s update, saying:
“In a world chock-full of backward-looking economic data, forward-looking indicators like the Leading Economic Index (LEI) are decidedly valuable. Unfortunately, the LEI has been quite consistent in its signal of recession. The six-month average change of this index has registered below the threshold historically consistent with a downturn for 10 straight months. The LEI’s downdraft is also picking up speed, suggesting that a turn in the business cycle is more likely than not.”
It’s quite easy to ping pong the debate back and forth between “recession” and “it’s not so bad” with other data out this week. While we’re on the topic of sentiment surveys how about Consumer Sentiment itself? It may be historically low, but it has also been trending fairly consistently higher (in stark opposition of the trend seen in the chart above).
On a more recessionary note, weekly jobless claims have hit the highest levels since 2021 on two consecutive weeks.
And if we filter out the noise associated with the pandemic, these are actually the highest levels since late 2017.
As long as there are compelling ways to make cases for opposite economic outcomes, rates will find it easier to remain broadly sideways, but with big, volatile swings between the prevailing highs and lows. It’s a waiting game for now.
Texas Attorney General Greg Abbott today called for a halt to foreclosures in the state so mortgage lenders and loan servicers could conduct a thorough review to determine if “robosigners” were used in foreclosure processing.
A “robosigner” refers to an employee or agent who signed off on hundreds or thousands of foreclosure documents in a short amount of time, essentially proving they didn’t do their due diligence or follow protocol.
They have also been accused of signing affidavits which falsely claim personal knowledge of facts, or that they reviewed the attached documents when in fact they failed to do so.
Additionally, there have been accusations that robosigners notarized documents prior to getting the signature, and/or when the signer was not present.
All this, of course, led to widespread mistakes and errors, which put a halt on foreclosures in 23 states (minus Texas) for Ally Financial, Bank of America, and Chase.
Both the California AG and Connecticut AG have called for similar foreclosure freezes.
The foreclosure suspension letter was sent to 30 lenders, including:
American Home Mortgage Servicing, Inc. American General Finance, Inc. AmTrust Mortgage Corporation Aurora Loan Services, Inc. Bank of America Carrington Mortgage Services, LLC Cenlar, FSB JP Morgan Chase & Co. CitiMortgage, Inc. EMC Mortgage Corporation First Horizon National Corp. Ally Financial, Inc./GMAC Home Loan Services HomEq Servicing, Inc. HSBC North America Holdings, Inc. Litton Loan Servicing, Inc. MGC Mortgage, Inc. Midland Mortgage Company MorEquity, Inc. National City Mortgage c/o PNC Financial Services Group, Inc. Nationstar Mortgage Company Ocwen Loan Servicing, LLC OneWest Bank Group LLC PHH Mortgage Services Corporation Saxon Mortgage Services, Inc. Select Portfolio Servicing, Inc. Vanderbilt Mortgage and Finance, Inc. Washington Mutual Wells Fargo & Company Wilshire Credit Corporation