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How Improved Relations Boost the Bottom Line

first_img January 19, 2021 839 Views Demand Propels Home Prices Upward 2 days ago  Print This Post Related Articles Home / Daily Dose / How Improved Relations Boost the Bottom Line Grateful to have a calamitous year behind us, companies across the mortgage spectrum have renewed energy and interest in finding ways to safeguard their bottom line.One often-overlooked area is accounts receivable.Ironically, after a year surviving on re-engineering the workplace and implementing technology advances—working from home and meeting via Zoom—focusing on personal relationships and sincere appreciation goes a long way.The role of AR within a mortgage, real estate, default management, or title company may seem thankless compared with sales and production contributions, but no business survives without it. Salespeople may be credited with “closing a deal,” but the deal isn’t really closed until payment is collected.Research now shows that improved relations between accounting departments within a vendor and its customer can go a long way to strengthening ties between companies. In the area of default title invoicing, where invoices are created to be ‘passed on’ to the servicer, being consistent and adding a personal touch is making the difference.”Default title is not like a typical sales or refinance transaction within the other WFG divisions,” said Dean Kirchen, SVP, WFG Default Title Services. “With a refi or resale transaction, there’s a funding of money and everything is done when the file closes. With trustee sale guarantees (TSGs), we’re advancing recording fees and issuing the title product and then we have to collect it.”He knows it’s imperative to make sure an invoice gets to the right person so payment can be returned by the last day of the month; otherwise, the statement won’t sync up.”We have procedures in place,” Kirchen said, “but what drives the procedures is nurturing a personal connection with every customer’s accounts payable department. To ensure accuracy, we take the time to review each statement as it arrives from accounting, making sure that no file numbers are ‘missing’ and that it is organized by date order or file number order, or any other customer preference.”Taking time to personalize something as seemingly cut and dried as billing, Kirchen said, “directly benefits our bottom line.”Monthly invoicing and providing the most accurate information in a readable format is vitally important. This includes highlighting any aging receivables and adding key descriptors into the invoices and statements that clearly identify what the invoice is for.”If we don’t invoice and upload within 24 hours of that service being provided, we won’t get paid,” Kirchen added. “This way our client can get their fees (and ours) and we can get reimbursed for recording charges and advances of fees. It’s truly a partnership.”The True Source of Collection SuccessThat brings us back to the importance of personal relationships. It’s not unusual for the person who receives an invoice to be the same person that the sales team or another department within the company is approaching.Kirchen goes on to say that so many of WFG’s customers have worked in the default industry for a long time. “We have a real history with them. They may someday work at another company and become an advocate for our business.””We’re always thanking our counterparts for their continued business and acknowledging how hard the person in accounting works to send us the checks,” he continued. In fact, despite the pandemic, WFG Default Title Services’ collections in 2020 were the highest in the division’s history.”Sometimes we just need to get back to the basics to find what works,” Kirchen added.For more information about how WFG Default Title Services helps optimize account receivables success on behalf of its clients, access the tip sheet here. Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Accounts receivable WFG WFG Default Title Services 2021-01-19 David Wharton Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Dean Kirchen Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Tagged with: Accounts receivable WFG WFG Default Title Services A 25-year veteran of the default services industry, Dean Kirchen is SVP of WFG Default Title Services. He is a graduate of the University of Southern California’s Marshall School of Business and was invited to join a leading national underwriter upon graduation. His interest and expertise in civil code statutes, foreclosure case law, and the impact of title issues related to a lender’s ability to complete a foreclosure sale and subsequent transfer to a bona fide purchaser have made him a recognized industry leader and earned him the respect of his peers. One of WFG National Title Insurance Company’s early hires, Kirchen’s reputation and keen market insights have been instrumental to WFG Default Title Services’ rapid growth. He may be reached at 818.638.7505 or [email protected] in Daily Dose, Featured, News How Improved Relations Boost the Bottom Line Previous: Credit Quality Leads to ‘Stable’ Housing-Sector Outlook Next: HUD Proposes New Home Inspections Rule Subscribe Share Savelast_img read more

ABF: Allied recovering loss but Ryvita under pressure

first_imgAllied Bakeries is continuing to make progress in recovering its losses, according to owner Associated British Food (ABF).The Kingsmill and Allinson’s producer – which made a loss in the year to September 2017 – enjoyed good trading over the Christmas period, ABF reported in an update today (26 February).“Volumes at Allied Bakeries in the UK remained strong,” stated ABF, adding that “some progress has been made in reducing the loss for this financial year”.Allied has held discussions about raising bread prices with retailers after coming under pressure from low retail pricing and a highly competitive bread market.ABF also reported that UK sales of Ryvita crispbread have suffered from strong competition, although Ryvita Thins had shown continued growth. The company added that its new Ryvita bakery at Bardney, Lincolnshire, is expected to be commissioned in September.Revenue from ABF’s ingredients division – which includes AB Mauri – is expected to be up year-on-year in constant currency.“Good progress is expected at both AB Mauri and ABF Ingredients and margin will again show improvement at the half year,” the company stated.“In North America, AB Mauri is benefiting from the successful integration of the bakery ingredients business acquired last year and improved plant performance. The business in South America has per-formed well given the challenging economic conditions.”The trading update was given ahead of ABF entering the close period for its interim results for the 24 weeks to 3 March 2018. These are scheduled to be announced on 17 April 2018.last_img read more

Addison Chamber, Efficiency Vermont announce new program to help small businesses save energy (money!)

first_imgEfficiency Vermont,The Addison County Chamber of Commerce (ACCOC) is teaming up with Efficiency Vermont to implement its new Business Energy Ambassadors program. Under this program, trained volunteers will conduct free on-site business energy visits to identify opportunities for helping small businesses save energy (and money!). The primary focus is on lighting, which can also increase the appeal of retail and office spaces to customers and clients. ACCOC will work with businesses that can benefit from the limited-time and enhanced financial incentives currently being offered by Efficiency Vermont.‘Efficiency Vermont is offering significant rebates right now for replacing inefficient lighting and other equipment, and we want to make sure that Vermont’s small businesses take full advantage of this program,’ said Bill Bowman, Director, Customer Support & Development at Efficiency Vermont. ‘For example, under our newLIGHT program, Efficiency Vermont will cover a significant portion of the equipment cost for replacing inefficient T12 fluorescent lighting.’T12 fluorescent lamps are common in many businesses throughout Vermont. They are usually 4- or 8-foot long tubes mounted horizontally in a ceiling fixture and are always 1½ inches in diameter.Under the Business Energy Ambassador program, volunteers will also provide information to businesses and property owners on other steps they can take to pursue energy saving opportunities and how to access Efficiency Vermont’s rebates. Business energy visits are free-of-charge and last approximately 1 to 1½ hours. Businesses are encouraged to preview Efficiency Vermont’s special rebates listed on the commercial incentives page at www.efficiencyvermont.org(link is external).‘In today’s economy, small businesses really have to look for savings wherever they can find them,’ said Andy Mayer, president, ACCOC. ‘We are pleased to be able to co-sponsor this program with Efficiency Vermont to help our members and other small businesses in our region save energy and money.’Addison County businesses can receive additional $100 matching grant coupons as further incentive for small businesses to make efficiency improvements. These matching grants are made possible by theAddison County Green Fund which was founded with proceeds from the 2010 Addison County Energy Expo. This is an additional incentive not available in other parts of the state in which Efficiency Vermont has partnered with Chambers of Commerce to introduce the Business Energy Ambassador program to local businesses.An informational meeting is scheduled for Wednesday, September 29th from 7:00 to 8:30 p.m. at the Middlebury Volunteer Ambulance Association’s training room, 55 Collins Drive, Middlebury. Representatives from Efficiency Vermont and Acorn Renewable Energy Co-op will provide more details on how the program will work and benefit local businesses.If you are a small business and interested in having a business energy visit scheduled, or you are interested in serving as a volunteer, please contact: Sue Hoxie at 388-7951 x2 or [email protected](link sends e-mail). Source: Middlebury, Vermont ‘ September 21, 2010 ‘ The Addison County Chamber of CommerceAbout Addison County Chamber of CommerceThe Addison County Chamber of Commerce (ACCOC) is an association of individuals representing business interests, working together to promote commercial business and tourism in Addison County. The Chamber can be found on the Web at www.addisoncounty.com(link is external).About Efficiency VermontEfficiency Vermont was created by the Vermont Legislature and the Vermont Public Service Board to help all Vermonters reduce energy costs, strengthen the economy, and protect Vermont’s environment. Efficiency Vermont is currently operated by Vermont Energy Investment Corporation (VEIC), an independent organization under contract to the Vermont Public Service Board. VEIC is a Vermont-based nonprofit organization founded in 1986. For more information, contact Efficiency Vermont at 888-921-5990 or visit www.efficiencyvermont.com(link is external).###last_img read more

Late upset bid falls short against No. 7 Boston College in 4-3 loss

first_imgDown one goal with just under two minutes left in the game, Syracuse head coach Paul Flanagan pulled goaltender Ady Cohen for the extra attacker. It had worked two minutes prior when Anonda Hoppner cut the lead to just one, but this time, the Orange were already up a player.Time ticked off the clock and the Orange took two shots on net in the waning seconds. Both of them were blocked before they reached the goalie, leaving Syracuse with a third straight loss.“Probably for us it’s a lesson to learn,” said Flanagan. “We gotta be better prepared mentally.” It’s the second week in a row that the Orange have lost a close game to a ranked team. Syracuse (0-3) never held a lead against No. 7 Boston College (4-0, 3-0 Hockey East) Saturday afternoon at Tennity Ice Pavilion. Syracuse trailed 4-1 halfway through the third, and despite a late rally, SU was unable to beat BC, losing 4-3. Syracuse had plenty of shots, but even when they weren’t blocked, Boston College goalie Maddy McArthur was there to stop them. Down three goals, defender Jessica DiGirolamo played a big part in that late push. DiGirolamo joined the rush in the hopes of generating some offense and was rewarded after a nice passing play with fellow defensemen Kristen Siermachesky. DiGirolamo then picked up the assist on a shot that was saved by McArthur but fell to Hoppner, who buried it in the net.  AdvertisementThis is placeholder textDiGirolamo, who finished the night with a goal and two assists, actually played with McArthur back in their junior hockey days. While she was happy to play against McArthur, it was not the outcome she was looking for. “She’s a great goalie,” said DiGirolamo. “You just gotta keep getting her moving because if she sees a shot she’s going to save it for sure.”The other Syracuse player that managed to beat McArthur was forward Emma Polaski. She put Syracuse on the board in the second period with a power play goal from in front of the net. Syracuse was getting shut out in the second period until Polaski scored her goal. SU had 19 shots to BC’s four in the second period, but the Orange still tied the period 1-1. It was a game of missed opportunities as Syracuse fell behind early and was chasing the Eagles for the rest of the game.“We came out kinda flat and gave them too much credit,” said Polaski. “We really have to know that we deserve to be out here and take it to them the entire 60 minutes.” After going down a goal and being outshot in the first period, Flanagan knew there needed to be a change, he said. The Orange were stuck in a speed and skill game against a smaller, faster, and highly-skilled Eagles team. However in the second period, SU used its size and strength advantage to block shots and forced Boston College into turning the puck over.Down a goal after dominating the second period, SU looked like it had a chance to shift momentum. Instead, McArthur came up with game-altering saves. On the other end, Boston College took advantage of a high stick penalty and scored on the ensuing power play. Another even strength goal three minutes later had Syracuse reeling. “I give our kids credit because that just diffuses you and any energy you’ve got,” said Flanagan. “We did everything we could, but unfortunately it was reminiscent of the first Clarkson game here.”Syracuse challenged a top team in Boston College, but McArthur ensured the upset wouldn’t happen. She ended the game with 33 saves, including 20 in the second period, and stopped any chance SU had of picking up the win.“Their goalie made more saves than our goalie,” said Flanagan. “I hate to say it, but you change the goalies and it’s probably a different ballgame.” Comments Published on October 5, 2019 at 7:48 pm Contact Gaurav: [email protected] Facebook Twitter Google+last_img read more

Test Races Road to EYOF 2019 successfully completed on Bjelasnica

first_imgOn the Olympic mountain Bjelasnica, on the location Stinji Do, was completed the first day of the test races in snowboarding entitled “Road to EYOF 2019”.This is the sixth consecutive competition of Snowboard Europa Cup Sarajevo, which is successfully organized by Freestyle Ski Team and the Ski Union of BiH since 2010. In this two-day event participated about 35 contestants from Italy, Russia, Belarus, Poland, Slovenia, Australia, Serbia, and Macedonia.This is only one of the competitions in winter sports, which is the test of our organizational skills for the European Youth Olympic Games, which will be held in Sarajevo in 2019.There is a great interest for these types of sport in the region. The competition is the central event of the ski season on Bjelasnica, and it is the only European Cup in BiH.This competition has the international character of the highest rank in the sports on the snow in BiH, with international referees and international technical delegates.(Source: klix.ba)last_img read more

NASA to make announcements about life on mars

first_imgIs there life on Mars?NASA will answer that very question soon.One chief scientist says they’re close to “making some announcements” and “it will be revolutionary.”He added to the intrigue by saying “I don’t think we’re prepared for the results.”NASA launches another rover in July to hunt for extraterrestrial life.It’s expected to touch down seven months later on a crater with a history of having water.Click to learn more.last_img

Live updates: 49ers suffer disappointing 29-27 loss to Chargers

first_imgGet scoring updates, news and analysis on Sunday at 1: 25 p.m. when the 49ers face the Chargers in Los Angeles as C.J. Beathard gets his first shot at replacing Jimmy Garoppolo at quarterback.Beathard, who went 1-4 in four starts a year ago, hopes to improve on his 55% completion percentage and his TD/interception ration of four scoring passes vs. six picks in 2017. Beathard could lean a lot on running … Click HERE if you’re having trouble viewing the gallery on your mobile device.last_img read more

New Film: God of Wonders

first_imgA new nature documentary with a gospel message, God of Wonders, has been released by Eternal Productions (see trailer at GodofWondersVideo.org).  The 85-minute film, described as “Exploring the Wonders of Creation, Conscience, and the Glory of God,” features beautiful nature photography narrated by various creation scientists and theologians, leading to a presentation of the gospel.  It is organized around four themes: God of Power, God of Wisdom, God of Justice, and God of Love. Having seen only the trailer, we cannot rate the entire production, other than to say that Eternal Productions did a good job on its prequel, A Question of Origins.  This film company is unashamed and uncompromising in its presentation of the scientific evidence as pointing to salvation in Jesus Christ.  For that matter, so was the apostle Paul (Romans 1:16-22).    Need additional in-depth reasons for trusting the validity of the Christian world view?  Check out the phenomenal series from Focus on the Family, The Truth Project, featuring Dr. Del Tackett.  This outstanding teacher examines the Christian world view from all angles, including philosophy, history and science, in a 12-hour classroom setting interspersed with captivating video.  The Truth Project is geared for small-group settings and is marketed via a discipleship program, in which teachers motivate other teachers to start new small groups.  The production quality and content is excellent.  It’s a great stimulus for group discussion and just might lead to a deep transformation of your life.(Visited 13 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

Ezekiel Elliott wins top Big Ten offensive player leads 14 Ohio State

OSU junior running back Ezekiel Elliott (15) runs with the ball to the end zone during a game against Michigan on Nov. 28 at Michigan Stadium in Ann Arbor, Michigan. OSU won 42-13. Credit: Muyao Shen | Assistant Photo EditorAfter rushing for 1,672 yards through 12 games, Ohio State running back Ezekiel Elliott was named the Big Ten Graham-George Offensive Player of the Year on Tuesday evening.The junior headlined a class of six offensive players named to either the coaches’ or media’s all-Big Ten teams and was also named the Ameche-Dayne Running Back of the Year.Elliott was a steady influence on the offense all season long, rushing for triple-digit yardage in 11 of 12 games, including 274- and 214-yard outbursts against Indiana and Michigan, respectively.The St. Louis native tacked on 19 touchdowns in 12 games, one more than his 15-game total a season ago. He has also been lauded by coach Urban Meyer as one of the top blockers on the team all season long. In addition to the ground attack, he added 176 yards on 26 receptions, the third-most catches on the team.Meyer said after the Michigan game that he believes Elliott should be a Heisman Trophy finalist. Regardless, the Offensive Player of the Year award stands as a fitting end to his junior season, which he already announced would be his final one collegiately.Elliott, as expected, was also named to the all-Big Ten first team by both the coaches and media.Joining Elliott on both first teams were a pair of offensive linemen: senior left tackle Taylor Decker and redshirt junior right guard Pat Elflein.Decker also took home a top positional honor as a blocker, winning the Rimington-Pace Offensive Lineman of the Year award.Decker, for the second year in a row, was the anchor of an offensive line that overcame a slow start to turn into one of OSU’s biggest strengths toward the latter part of the season.The Vandalia, Ohio, native played a big role in opening up holes that enabled Elliott to have the year he did, as well as buying quarterbacks Cardale Jones and J.T. Barrett room to run and time to throw.Decker was named to the all-Big Ten second team in 2014 by both the coaches and media but took a step up to the elite of the conference in his senior season.Elflein was another solid performer all season long on the opposite side from Decker. The first-team honors on the coaches’ ballot were the second in as many years as a starter for the Pickerington, Ohio, product, and he also appeared on the media’s first team for the first time.In addition to the threesome on the coaches’ and media’s first teams, two of Decker’s and Elflein’s mates on the offensive line, sophomore left guard Billy Price and senior center Jacoby Boren, were named to the third team. Redshirt senior wide receiver Michael Thomas joined the two blockers on both third teams.Elliott was the third Offensive Player of the Year from OSU in the past four years, joining redshirt senior H-back Braxton Miller, who won the award as a quarterback in 2012 and 2013. He is also the second OSU running back to win the top Big Ten honors at the position, joining Carlos Hyde in 2013.Decker was the first OSU offensive lineman to win the Rimington-Pace award since 2001, when center LeCharles Bentley nabbed the honors.Eight OSU players appeared on the all-conference lists for defense and special teams, which were released Monday night: defensive end Joey Bosa, linebackers Joshua Perry, Raekwon McMillan and Darron Lee, safety Vonn Bell, cornerback Eli Apple, defensive tackle Adolphus Washington and punter Cameron Johnston. Bosa was also named the Smith-Brown Defensive Lineman of the Year. read more