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[ad_1] As some borrowers exit forbearance and consider selling their homes, they could use some guidance to ensure they’re making the right decision. Using Xome’s Xpert Seller Program, servicers can help borrowers determine the best marketing strategy list and sell their homes. HousingWire recently spoke with Joe Cutrona, SVP, Auction Exchange & Asset Management at Xome, about Xpert Seller and how it benefits both servicers and borrowers. HousingWire: As borrowers come out of forbearance, what role do servicers play and what can they do to ensure homeowners understand their options including selling their home via auction? Joe Cutrona: Today, with nearly 2.2. million homeowners still in active forbearance, servicers have an important responsibility to communicate with homeowners about their mortgage reinstatement options and to help them navigate eligibility requirements to determine the best path forward. Once this path is determined, the servicer should be involved in assisting homeowners through the plan to exit forbearance, which may include the sale of their home. According to Black Knight, 96% of homeowners have at least 10% equity – meaning they may be able to pay off their loan, closing costs, and agent commissions without paying out of pocket or a short payoff. Once a homeowner decides to sell, it’s up to the servicer to ensure they fully understand each step of the home selling process.  When the homeowner elects to sell their home, either because they want to take advantage of their home’s current market price or they are not eligible for any reinstatement options, an auction sale becomes a viable pre-foreclosure solution for a graceful exit.   HW: When we think about servicer capacity, what are some of the potential challenges servicers might face and how can having a partner like Xome help solve this? JC: There is no question that servicer capacity is a big issue. Foreclosure moratoriums have forced servicers to shift capacity away from traditional late-stage delinquency recovery efforts, including foreclosure, and direct it toward forbearance processing and heavy home retention efforts. At the same time, loan advances continue to increase, putting additional financial pressure on servicers. A partnership with Xome could include utilizing any of our disposition real estate product and services, which are powered by our MLS analytics and Xome’s extensive online auction platform to help alleviate issues. Simply put, we add capacity by stepping in and acting as an intermediary between the homeowner and servicer.  As a result, servicers can focus on home retention efforts for their other customers, and the homeowner can focus on the decisions that need to be made during the sale of their property.   Should a servicer recognize that a homeowner is not eligible for home retention options, Xome can work with the servicer to determine the best marketing strategy to assist the homeowner with the decision to list and sell their home. This is where offerings like Xome’s Xpert Seller program come into play. This new program is designed to connect borrowers with local real estate professionals and guide them through the process of marketing and selling their home.   HW: How does Xome’s Xpert Seller address and solve these issues; can you tell us more about the benefits of leveraging a program like this? JC: Xome’s Xpert Seller program is designed to assist homeowners with a graceful exit from forbearance while complementing the servicer’s homeowner retention and disposition efforts. When a homeowner decides to sell their home, Xome manages the communication process directly with the homeowner and real estate professional to ensure homeowners understand all their options. For example, if a homeowner is eligible for a home retention option, we want to make sure the servicer is dialed in and focused on sharing these options with the homeowner. At the end of the day, this is a pre-foreclosure avoidance situation, and it’s in everyone’s best interest when the homeowner can make a truly educated decision on whether they should sell their home. Not only can a sale help homeowners realize their equity through a sale, but they can also save thousands of dollars on transactions costs and even qualify for relocation assistance. Servicers have a capacity advantage by partnering with us. They can expect total transparency throughout the listing and marketing process through Xome’s national network of brokers and our proprietary real estate listing tracking platform, XomePro. In addition, Xome’s access to MLS data provides servicers and homeowners with the confidence that they are receiving the most accurate and real-time transactional activity to ensure the best sales price is achieved.  HW: Is there anything else you’d like us to know about Xome’s Xpert Seller program, perhaps more about how Xome’s online auction platform plays such an important role?  JC: If a homeowner is faced with an expiring forbearance or pending foreclosure, the auction process proactively addresses these critical timelines. With Xome’s auction platform, Xome.com, the homeowner retains full control over the listing price and final price acceptance.  Additionally, Xome.com drives over 1.6 million unique visitors per month increasing marketing exposure for the homeowner, resulting in a highly competitive bidding environment.  We believe that auction is the most transparent way to buy and sell real estate. Homeowners can see which potential buyers are interested in their property in real-time and can compare all offers, while servicers benefit from added capacity and the ability to serve their homeowners more effectively. The auction process accommodates the critical, time-sensitive nature of an expiring forbearance plan and offers a potential relocation cash incentive to the homeowner. Empowering homeowners with all the information they need and help them walk away with cash in hand is a win-win for all stakeholders. Xome’s Xpert Seller program doesn’t just assist homeowners as they exit forbearance, it also compliments the servicer’s portfolio by helping them retain customers. The post Borrowers exiting forbearance may choose to sell their homes – What role do servicers play? appeared first on HousingWire. [ad_2] Source link

[ad_1] There’s no better time to learn about investing than at an early age. The earlier the better! Although investing is not rocket science, a solid foundation can go a long way. It’s important to educate your children about the pros and cons of investing so that they can determine what role investing will play in their lives. Plus, educating kids about investing is an excellent opportunity to spend some quality time together, while supplementing financial information your children are learning elsewhere. But where to begin when trying to teach a child about investing? The investing universe, after all, is huge, and, most likely, the youngster doesn’t even know what a stock or bond is! The best place to begin is at the beginning, and you can do that with these six tools: Statements from Your Brokerage House If you do some investing of your own, you probably receive a monthly statement that provides you with an overview of your account(s). Take some time to sit down with your child to browse the statement. You don’t have to go too in depth, but this can serve as a good cursory overview of different types of investments such as stocks, bonds, certificates of deposit. Plus, you can check out together whether you’ve lost or gained money in various types of investments. Investment Websites The Internet holds a variety of interactive resources for beginner investors. You can look up the definitions of investing terms on various web sites such as Investopedia, or take advantage of the web site of your brokerage institution or regulatory bodies such as the New York Stock Exchange or Securities and Exchange Commission. Many of these websites offer educational materials designed for middle school and high school students. The NYSE website even includes a poster-size explanation of stock tables. Mock Investment Accounts If you don’t feel your child is ready to take the plunge by investing cold, hard cash, there’s nothing wrong with opening a mock account online. These programs simulate the investing process, often with real-time stock and bond information. Just search Google for “mock investing account” to start one of these fun programs. These accounts are a great way for a child to learn about the ins and outs of investing first hand. It’s an especially great way to teach them how easy it is to lose money with poor investments! Small Investments If your child seems interested in investing, give him or her some money to invest – maybe in place of another gift for a birthday or holiday gift. That way, you can let your child choose where to make a small investment, and watch with excitement as the money (hopefully!) grows. Try purchasing a few shares or fractional shares of stock through ShareBuilder. Some mutual funds, like Monetta Young Investor, have very low minimum investments. Children’s accounts can be opened for as little as a $100 deposit and a $25 automatic monthly investment or a one-time $1,000 deposit. As a bonus, young investors get a kit full of helpful educational materials. Introduce Kids to Your Stock Broker If you work with a “brick and mortar” stock broker, it might be a great idea to introduce your child to your stock broker. Not only will the youngster see what a stock broker does first hand, but he/she can see the computer trading system that the broker uses to execute trades. This may serve to get the child closer to the actual source and become more excited about the prospect of investing. Certainly, the broker will be able to impart some tried and true investing tips that will help get the youngster on his/her way. Use the Data Finally, if your child seems to want to take the more quantitative approach to learning and already has a small knowledge foundation, a copy of the 2011 Stock Trader’s Almanac — a calendar filled with historical trading data, notable moments in the markets, and much more — might be very helpful! The key is to start early. By the time these youngsters become young adults, the sky is the limit!Teach your child about investing in stocks, so they can become financially literate and set themselves up for a bright financial future. The post Great Ways To Introduce Kids to Stock Investing appeared first on The Dough Roller. [ad_2] Source link

[ad_1] Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors.  Why inflation might stick around a while America’s finance chiefs don’t think inflation will go away overnight. It’s all part of a “transitory for longer” argument or framing that is making the rounds in financial circles. And perhaps we’re spinning in circles on the transitory inflation debate. And, yes, “transitory for longer” is an oxymoron.  From that CNN post…  “Chief financial officers, on average, expect higher-than-normal cost increases to persist for eight to 10 months, according to a Duke University survey released Wednesday. “Some worry inflation will linger longer. About one in four CFOs expect elevated costs to last through most of 2022.” In the Duke survey, the vast majority of executives admitted they have passed along cost hikes to customers; any supply chain hits end up on the consumer’s bill. And business bosses believe that will continue well into 2022. (Duke’s survey also confirmed the business optimism we reported in last week’s column.) A recent U.S. report showed broad-based inflation levels at a 13-year high, increasing by 5.4% year over year. The core index, which excludes food and energy, rose 4.5% year over year, the biggest increase since November 1991. Labour shortages in the U.S. are also pitching in on increased costs to businesses—they have to increase wages to attract workers. Once again, those costs are often passed along to the consumer. That is called wage-push inflation, and it’s one of many isolated forces pushing on the inflation front. They can add up over time, creating more structural or long-lasting inflation that could be hard to unwind.  So, transitory for longer might be more than the phrase of the week—but how much longer is anyone’s guess. But it appears likely that higher levels of inflation will be with us at least well into 2022.  Let’s not forget the biggest risk is still the pandemic. It’s not over. And barriers to full vaccination could blunt or delay any economic recovery, and the global vaccination rate is still only in the 25% range.  This week, bonds considered inflation and then had second thoughts: The bond market momentarily perked up and then went back to deciding yup, it's transitory. pic.twitter.com/rddO75K4yg — Lisa Abramowicz (@lisaabramowicz1) July 13, 2021 It’s earnings season again, and here’s what to expect We’re going to see some eye-popping numbers on earnings and revenue growth in many cases—but remember we have that base effect as we’re comparing to very depressed levels from the pandemic.  The initial reports are very encouraging. That said, this is expected to be the earnings peak. Not that earnings will reach a peak level, but the rate of growth will top out. Most estimates suggest we’ll continue to see earnings growth over the next few quarters, but it will be hard to match the current quarter. Analysts estimate earnings increased 64% in this, the second quarter of 2021. That’s the highest level of growth in more than a decade. Look for the earnings growth rate chart in that link.  The chart from FactSet offers that growth for the last quarter of 2020 was 3.8%; the first quarter of 2021 delivered 52.5%; and 64% in this quarter, potentially topping out.  Q4 – 3.8% Q1- 52.5% Q2 – 64%  From that Wall Street Journal article…  “[F]orecasts have drifted higher in recent months, helped by an unusually large number of companies advising investors that they expect earnings to come in higher than analysts had been estimating. “‘The reason for that is simple: The speed and robustness of the recovery is greater today than everyone anticipated three months ago,’ said Hal Reynolds, chief investment officer at Los Angeles Capital Management.” Pepsi gets a pop The restaurant industry is ramping back up, and we will see the spin-off effect for food and beverage suppliers. From Seeking Alpha…  PepsiCo Q2 Non-GAAP EPS of $1.72 beats by $0.19; GAAP EPS of $1.70 beats by $0.18 Revenue of $19.22B (+20.5% Y/Y) beats by $1.27B Organic growth of 12.8% vs. consensus of +7.59% Pepsi beat on revenue and earnings, and the stock saw a nice pop upon the earnings release.  Source: Seeking Alpha I’m happy to own this “boring,” usually slow-growth consumer discretionary stock. It’s a very diverse global food and beverage company that owns many strong brands. It also pays a solid dividend near 2.8%. It typically grows the dividend at an annual 7% rate.  And its dividend growth history is impressive. Pepsi is one of the U.S. dividend aristocrats. BlackRock on very solid ground Also in my portfolio, BlackRock reported very impressive numbers and eyes an astounding $10-trillion level in assets under management. That AUM number increased by an incredible 30% in the quarter, aided greatly by market gains, of course.  Many of the major U.S. banks reported very good numbers, but the markets mostly shrugged that off. Bank of America was hit by lower interest rate concerns. The market makers can be quite picky at times.  Morgan Stanley beat expectations thanks to stock trading and investment banking.  But what about revenue increases?  Here’s a more than interesting tweet from Lance Roberts (no relation), chief strategist at RIA Advisors.  Thought this was interesting.#Earnings are expected to hit $151 #reported this quarter Q4-2020 = 94.13Q1-2021 = 128.20Q2-2021 = 151.17 est. But here is revenue Q4-2020 = 367.48Q1-2021 = 364.05Q2-2021 = 360.81 Anyone notice an issue relating to #Price/Sales — Lance Roberts (@LanceRoberts) July 13, 2021   We see earnings growth for the market, but not the matching revenue growth. And perhaps that is part of the higher-level and longer-term framing of the U.S. stock market’s earnings and revenue story.  Source: RIA Advisors We’re back to that earning valuation “thing.” Much of the returns for U.S. stocks are courtesy of prices being bid up. It is not fully supported by operating earnings and sales increases.  North of the border Total earnings for companies in the S&P/TSX Composite Index are estimated to rise by 98%

[ad_1] The post 7 Top Media Stocks to Buy Now appeared first on Millennial Money. It’s likely no surprise to investors that we’re in a golden age of video content. For just a few dollars a month, consumers can sign up for any number of first-class media streaming services that offer libraries of award-winning content and new original programming.   Consumers are devouring video media like never before, with the average American now signed up for four streaming services. The more the merrier, right?  The shift to video streaming from cable and satellite services has forced many traditional media companies to merge with others or adopt new long-term content strategies. Some media companies may be losing ground, but new leaders are emerging at a rapid pace. And all of this upheaval in the media has created some massive opportunities for investors.   That’s why I’ve put together this list of top media stocks investors shouldn’t miss. The media landscape is shifting, and when the dust settles many of the companies on this list will be left dominating their respective markets. 7 Best Media Stocks These are the 7 best media stocks in the industry right now. Netflix  Apple Walt Disney Company Discovery ViacomCBS Amazon.com Comcast Corporation Netflix (Nasdaq: NFLX)  Netflix (NASDAQ:NFLX)Price: $532.28 (as of close Jul 16, 2021) document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-26a92b417c6da545795914e440b646c9”,{rangeSelector:{selected:1},title:{text:”Netflix (NASDAQ:NFLX)Closing Stock Price”},subtitle: {text: “30-Day Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false },series:[{name:”NASDAQ:NFLX”,data:[[1624248000000,497],[1624334400000,508.82],[1624420800000,512.74],[1624507200000,518.06],[1624593600000,527.07],[1624852800000,533.03],[1624939200000,533.5],[1625025600000,528.21],[1625112000000,533.54],[1625198400000,533.98],[1625544000000,541.64],[1625630400000,535.96],[1625716800000,530.76],[1625803200000,535.98],[1626062400000,537.31],[1626148800000,540.68],[1626235200000,547.95],[1626321600000,542.95],[1626408000000,530.31],[1626667200000,532.28],],tooltip:{valueDecimals:2,xDateFormat: “%A, %B %e, %Y”}}]}); }); There’s no doubt Netflix can be credited for single-handedly starting the rush to streaming media after the company launched its video streaming service back in 2007.  Netflix wins the first-mover advantage award for understanding that consumers would pay to have video content streamed to their TVs, commercial-free, and without a long-term contract commitment. In hindsight, it seems like a no-brainer move, but it was unheard of at the time it started. Fast-forward 13 years and Netflix finished 2020 with 208 million paid members and is still one of consumers’ core video streaming services year after year.  The company has a mix of licensing deals to stream movies and TV shows and is constantly building its own library of original content as well. In 2020 alone the company spent nearly $12 billion on original content, from which it earned 129 Emmy nominations in 2021.  Netflix’s streaming media dominance has resulted in the company’s share price skyrocketing more than 440% over the past five years.  Apple (Nasdaq: AAPL)  Apple (NASDAQ:AAPL)Price: $142.45 (as of close Jul 16, 2021) document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-3b2b8960c050717b85de6d887a904073”,{rangeSelector:{selected:1},title:{text:”Apple (NASDAQ:AAPL)Closing Stock Price”},subtitle: {text: “30-Day Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false },series:[{name:”NASDAQ:AAPL”,data:[[1624248000000,132.3],[1624334400000,133.98],[1624420800000,133.7],[1624507200000,133.41],[1624593600000,133.11],[1624852800000,134.78],[1624939200000,136.33],[1625025600000,136.96],[1625112000000,137.27],[1625198400000,139.96],[1625544000000,142.02],[1625630400000,144.57],[1625716800000,143.24],[1625803200000,145.11],[1626062400000,144.5],[1626148800000,145.64],[1626235200000,149.15],[1626321600000,148.48],[1626408000000,146.39],],tooltip:{valueDecimals:2,xDateFormat: “%A, %B %e, %Y”}}]}); }); Yes, Apple’s a media company now. How? When the company launched its own video streaming service, Apple TV+, just two years ago and started producing its own original TV shows and movies to put on the service, Apple clearly added “media company” to its already insanely impressive resume.  If you’re wondering if content created by Apple can be any good, then go watch a few episodes of Ted Lasso and tell me you don’t love it. I’ll wait. Or you can just ask the more than 40 million Apple TV+ subscribers.  Apple TV+ may not be as big as other media services out there, but Apple doesn’t need its streaming service to be as big as Netflix to benefit from the service. The company is pairing its video streaming service with its other growing list of services, including Apple Music, iCloud Storage, Apple Fitness+, and others, allowing this FAANG stock to add a growing amount of recurring revenue to its top line. Walt Disney Company (NYSE: DIS)  Walt Disney (NYSE:DIS)Price: $0 (as of close Jul 16, 2021) document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-1facbc584fefd31764e2e83a0340ad29”,{rangeSelector:{selected:1},title:{text:”Walt Disney (NYSE:DIS)Closing Stock Price”},subtitle: {text: “30-Day Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false },series:[{name:”NYSE:DIS”,data:[[1623988800000,172.42],[1624248000000,173.97],[1624334400000,173.5],[1624420800000,175.33],[1624507200000,177.93],[1624593600000,178.35],[1624852800000,176.57],[1624939200000,173.93],[1625025600000,175.77],[1625112000000,177.26],[1625198400000,177.11],[1625544000000,173.69],[1625630400000,172.82],[1625716800000,172.8],[1625803200000,177.04],[1626062400000,184.38],[1626148800000,183.65],[1626235200000,183.42],[1626321600000,184.15],[1626408000000,179.31],],tooltip:{valueDecimals:2,xDateFormat: “%A, %B %e, %Y”}}]}); }); Disney is one of the biggest media companies in the world, with a content library that should make all of its rivals jealous. Not only does the company have many decades worth of Disney-branded animated movies that consumers can now stream on Disney+, but the company made two incredible media purchases over the past decade. The first was Disney’s purchase of Marvel Entertainment in 2009 for $4 billion. That gave the company the characters in the lucrative Marvel Cinematic Universe and has already helped Disney launch new shows on Disney+ based on Marvel characters.  Second was Disney’s other $4 billion purchase: the media giant’s acquisition of Lucasfilm in 2012. That purchase gave Disney ownership of the entire Star Wars film collection and possession of all its characters, allowing Disney to create new shows and movies for, well, forever.  Disney has amassed 100 million users since it launched its streaming service—in part as the coronavirus pandemic forced many people to stay home in 2020—and the early boost is likely to set the company up for future growth.  With Disney’s own branded content and its lucrative purchases of Marvel and Lucasfilm, Disney is perfectly positioned to be a media giant for many more decades to come.  Pick Like A Pro Where to invest $500 right now Before you buy Amazon, or Netflix, or Apple, consider this… The team at Motley Fool first recommended each of those stocks more than a dozen years ago! They discovered Netflix for $1.85 per share, back in the days of DVDs by mail. And recommended Amazon at $15.31 in 2002, before most people were comfortable using credit cards online. And even hit Apple at $4.97 per share, about a month before the release

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[ad_1] Opioid Settlement of $26 Billion Between Drug Companies, States Expected This Week  The Wall Street Journal U.S. is said to near $26B opioid settlement with drug distributors, J&J  Seeking Alpha U.S. states to unveil $26 billion opioid settlement with drug distributors, J&J – sources  Reuters US states to unveil $26 billion opioid settlement with drug distributors, J&J: Sources  Moneycontrol View Full Coverage on Google News [ad_2]

[ad_1] SEC charges individuals connected to former iced tea-turned-mining company [ad_2] Source link