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Member | General | October 7, 2013| Comments Off

Assistance League of Bellingham

Mission: Assistance League of Bellingham is an all-volunteer, nonprofit organization dedicated to community enrichment through community service.

Motto: Working together to make a difference.

Vision: To be an integral part of a community that recognizes and supports the unique philanthropy that only Assistance League of Bellingham provides.

Come hear Nellie speak about the great things the Assistance League is doing in our local community!

When: Thursday, October 3, 2013 – 12:00pm – 1:15pm
Where: WWN weekly lunch meeting
Presenter: Nellie Durham, Assistance League

Member | General, Meeting Speakers | October 3, 2013| Comments Off

What is a reverse mortgage?

·         It’s a special type of loan that enables individuals who are 62 years or older to convert some of their home’s equity into tax-free funds

·         Unlike traditional equity loans, you receive payments instead of making them

 

Who is eligible?

·         Homeowner(s) who are at least 62 years of age and occupy the property as their principal residence

·         Eligible properties include single family homes, condominiums and town houses, or a 2-4 unit dwelling

·         The home must be owned free and clear or have a small remaining balance (usually less than 50% of the value of the home) which will be paid off with the reverse mortgage

·         No income, employment or credit requirements are needed to qualify

 

How much can someone borrow?

·         The amount that can be borrowed is based on a HUD formula that factors in the age of the youngest homeowner, the interest rate, the lesser of the appraised home value and the FHA lending limit, and the amount of any existing liens on the home.

 

What are some of the benefits?

·         The reverse mortgage customer retains ownership and lives in their home

·         Cash advances can be used for any purpose

·         Loan proceeds are not considered income and will not affect Social Security or Medicare benefits.  However, your monthly reverse mortgage advances may affect your eligibility for some other programs.  Consult a professional to see how payments might affect your personal situation.

 

What type of interest rate options are there?

·         Reverse mortgage are currently available with either a fixed or variable interest rate

·         Any adjustment in a variable rate mortgage has no effect on the amount or the number of loan advances you can receive, but causes the loan balance to grow at a faster or slower rate

 

What are the tax-free options?

·         Lump sum advances make funds available immediately

·         Tenure plans provide fixed, monthly loan proceeds

·         Line of credit makes funds available upon request

 

What are the costs involved with a reverse mortgage?

·         There are closing costs, which can be financed into the loan.  These may include an origination fee, title insurance, appraisal, mortgage insurance premiums and escrow fees.

·         Typically, there are no out of-pocket expenses

·         The customer is expected to continue to maintain the property, pay real estate taxes and home ownership premiums.

 

How is the loan repaid?

·         The balance due comes from the home sale proceeds or a refinance.  There is no requirement that the home be sold, only that the loan be repaid.

 

For more information, please visit http://sfmiloans.com/reverse-mortgage/.

When: Thursday, September 26, 2013 – 12:00pm – 1:15pm
Where: WWN weekly lunch meeting
Presenter: Danielle Rosellison, Security First Mortgage

Member | General | October 1, 2013| Comments Off

 

Siobhan Murphy of Thrive Business Group holds a Master of Business Administration, is a Certified Public Accountant, Certified Management Accountant, and Certified Financial Manager.

About her work, she says, “I love serving our accounting and tax clients with a cheerful smile and an infusion of fun…I often tell them “if we’re not having fun, then we need to do something different!”

Since 1999 she has used her education, experience, and team of trusted employees to provide affordable accounting, tax and financial management services to small businesses throughout Whatcom County.

But, who is the  person behind the credentials?  Learn about Siobhan’s personal history and how it informs her work with entrepreneurs, individuals, and small business in Whatcom County.

When: Thursday, June 13, 2013 – 12:00pm – 1:15pm
Where: WWN weekly lunch meeting
Presenter: Siobhan Murphy, Thrive Business Group

SuperAdmin | General, Meeting Speakers | June 11, 2013| Comments Off

 

Mary Kay is not one size fits all.  They offer many different lines of skin care, depending on your age, skin care issues, and even gender.  There is something for everyone.

Come see Chris Hansen, Independent Beauty Consultant and Mary Kay distributor, and let her help you figure out which products work best for your skin care needs.

When: Thursday, June 6, 2013, 12:00pm – 1:15pm
Where: WWN weekly lunch meeting

Presenter: Chris Hansen, Mary Kay Cosmetics

SuperAdmin | General, Meeting Speakers | June 1, 2013| Comments Off

Member | General | May 15, 2013| Comments Off

 

Telling and listening to stories is the way we, as humans, make sense of our lives. Not surprisingly, researchers in medicine, psychology, gerontology, education, the military, and many other fields are increasingly discovering the therapeutic benefits on health and well-being that come from sharing our stories. Some of these include: decreased stress, increased resiliency, lower blood pressure, reduced depression, and greater happiness.

 

Sara will describe how a variety of life review/storytelling programs are significantly helping people in all stages of life — from children, to veterans, to retirees, to hospice patients.

 

When: Thursday, May 9, 2013 – 12:00pm – 1:15pm
Where: WWN weekly lunch meeting
Presenter: Sara Geballe, Memoir Crafters

 

Member | General, Meeting Speakers | May 15, 2013| Comments Off

The Assistance League of Bellingham is an all volunteer organization that creates programs to raise money for local needs.  All funds they raise stay in our communities to help people in need achieve a better quality of life.  The Assistance League celebrates the power of the volunteer to evoke positive change in the world.

Come here what the Assistance League is doing in our community.  The have 5 wonderful community programs,  including Operation School Bell, and a Thrift and Gift store in Downtown Bellingham.

When: Thursday, May 2, 2013 – 12:00pm – 1:15pm
Where: WWN weekly lunch meeting
Presenter: Assistance League of Bellingham

Member | General, Meeting Speakers | May 1, 2013| Comments Off

Organized people lead less complicated and more satisfying lives. Through personal consultation, classes, informational speaking, and hands-on organizing, Organized at Last can help create simple solutions which can lead to positive changes in all realms of life.

Come here Julie Clark inspire us all to do some spring cleaning and organizing.  It can be a fun and manageable experience!

When: Thursday, April 25, 2013 – 12:00pm – 1:15pm
Where: WWN weekly lunch meeting
Presenter: Julie Clark, Organized at Last

Member | General, Meeting Speakers | April 25, 2013| Comments Off

Why is commercial insurance important?  What does it cover?  What does it not cover?  Come here the benefits of being insured!

Julie doesn’t let a bad day create a bad life! Julie’s team is dedicated to simplifying the complexities of auto, home, commercial, and life insurance coverage. They strive to equip each individual to make educated choices regarding the protection they need and can afford to put into place. Let them serve you to help put appropriate insurance in place so you can recover quickly and fully after any mishap

When: Thursday, April 4, 2013 – 12:00pm – 1:15pm
Where: WWN weekly lunch meeting
Presenter: Julie Farrow, Julie Farrow’s Insurance Agency

Member | General, Meeting Speakers | April 7, 2013| Comments Off

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