Caution: A loan without mortgage insurance will come at a higher interest rate and possibly tighter underwriting guidelines, so shop both programs and compare their amortization schedules to find the lowest cost of borrowing. Of course you should always ensure to do your research before investing, but it has never been as important as it is in the case of a reverse mortgage. You always want to ensure that you have the right insurance so that you are never caught off guard. This is too big a risk otherwise. However, when you do the research it can be the biggest reward.

REVIEW AND RENEW: CLIENT SERVICE AS A RETENTION TOOL Today's busy consumer prefers one-stop shopping to running around town in search of...

REVIEWING THE ENTIRE SALES MANAGEMENT PROCESS by Tom Markley Successful sales management depends on how you answer eight questions. Selling is the act of negotiating between a co...

RISK ABATEMENT IN A HARDENING MARKET: YOUR CLIENT AND YOUR FIRM CAN WIN WITHOUT LOSING by John Beringer No longer can you as the agent simply sit back and await the outcome of a client...

RISK MANAGEMENT FOR DISASTERS: THE INSURANCE SOLUTION If disaster strikes, how well you protect your business against the risks it faces can make the difference between survival and extinction....

Operational risk management is not only advised but crucial for any business, regardless of size and standing. Having risk management measures in place helps keep the wheels of commerce turning as businesses navigate a landscape fraught with potential disruptions.

RISK MANAGEMENT: A VALUE-ADDED TOOL by R. Thomas Jr. Theres no better way than offering risk management services for your agency to survive and grow. THE PROBLEM: ...

RISK MANAGEMENT: KEEP SAFETY IN THE FOREFRONT Once your employees have gone through safety training, make sure that they use what theyve learned to make their jobs safer. When every work...

RISK MANAGEMENT: MAXIMIZE GOOD AND MINIMIZE BAD by Mike Manes Risk management provides a powerful tool for serving your clients and growing your bottom line. Every per...

RIZZO'S RESTAURANT BELIEVES IN A SECOND CHANCE WORKING PARTNERS Philip Beal believes that everyone, even people who are having problems with drug or alcohol abuse, deserves a chance to become a...