NewLeaf Wholesale and Morf Media Inc. Host TRID Training Game Plan for Loan Originators in Los Angeles

Los Angeles, CA (PRWEB) May 11, 2015

Morf Media Inc., leader in enterprise compliance training for the mobile workforce, today announced NewLeaf Wholesale, a division of Skyline Financial Corporation is hosting training on upcoming regulatory changes that impact real-estate loans. Register for the session here conducted by Morf Media, Inc. SVP of e-Learning Ginger Bell. She will present best practices to get ready for the new integrated disclosure rule issued by the Consumer Financial Protection Bureau, TILA-RESPA (TRID) on August 1, 2015.

In this seminar, mortgage originators and real estate agents will gain insights, tools, tips and training to prepare for the new processes, deadlines and archiving rules associated with meeting TRID compliance. The training helps industry professionals make sense of the major 1800 page rule which requires significant process and communication changes. In a step by step process, the training shows how attendees can become experts on the new rule.

“The secret to TRID success is to start now with the materials and resources I provide in the training and on my TILA/RESPA Toolkit website,” said Bell. “When you leave the workshop, you will have a game plan that’s easy to follow. Take the initiative now to learn how to educate your partners to keep their transactions on tract with the upcoming disclosure changes.”

This session will be led by Bell, mortgage industry training veteran, who will explain the highlight of the new rules and provide tools and resources to help originators understand the changes and gain valuable information to be able to share the changes with their agents.

TRID consolidates four existing disclosures for closed-end credit transactions secured by real property. The forms being replaced by TRID are:

Good Faith Estimate (GFE)
Initial Truth-in-Lending Disclosure
HUD-1 Settlement Statement
Final Truth-in-Lending Disclosure

In their place, TRID mandates the use of two disclosures: a three-page loan estimate and a five-page closing disclosure. The free Train-the-Trainer events will provide a step-by-step approach to help trainers and company managers know about the mandated changes while ensuring their loan origination software is up-to-date.

For industry professionals who cannot attend the event, training is available in its entirety online via Morf Learning, award-winning enterprise training platform for mobiles. Morf Learning is optimized to make enterprise compliance training effective for professionals on the go. It includes a library of certified course content that is delivered in an innovative way to delight and engage employees, partners and administrators with its playbooks for compliance success. It offers powerful analytics engines that show an individual’s progress, strengths and areas needed for improvement, proof of examination for audits and more.

For more information about piloting Morf Learning, please visit Morf Media invites industry training experts to contact us to learn more about the benefits of delivering enterprise training with Morf Learning.

About Morf Media, Inc.

Morf Media, Inc., developer of Morf Learning,™ mobile platform as a service, simplifies enterprise compliance training for companies and the mobile workforce in highly regulated industries. Founded in 2013 by a seasoned management team with expertise in developing start ups, Morf Learning is in pilot with more than 100 companies and partners in the financial services and life sciences industries. Morf Playbooks™–three minute courses with gamification and smart analytics deliver a more effective and fun way to engage in training. Its digital platform offers centralized reporting for managing governance, regulatory and compliance training on a sustained basis. Morf Learning turns compliance training into playbooks for business in highly regulated industries.

For more information about Morf Media, please visit:

For crowdfunding information about Morf Media, please visit Angel List, Gust or Equitynet.


Heidi Wieland

Vice President Marketing of Morf Media, Inc. USA



Most Americans Plan to Cap Holiday Spending at $500 This Year []

Foster City, Calif. (PRWEB) November 11, 2014

For many Americans, the winter holiday shopping season is one of the most expensive after buying gifts for family and friends. New research from suggests that consumers are trying to prevent those bills from becoming too high, with three out of four respondents to a new survey saying that they planned to spend the same or less than they spent in 2013.

Here is how many of the 2,000 respondents plan to spend on the holidays in 2014:

Less than $ 250 – 27.64 percent
$ 251-500 – 31.93 percent
$ 501-750 – 21.39 percent
$ 751-1,000 – 10.04 percent
$ 1,000 or more – 9 percent

Men plan on spending more than women in 2014, with 37.4 percent of men planning to spend over $ 500, to just 25.4 percent of women.

This is what Americans plan on spending their money on in their winter shopping (more than one option could be selected):

Gifts for adults – 73.41 percent
Gifts for children – 67.52 percent
Gifts for pets – 26.04 percent
Food and beverage at home – 44.48 percent
Food and beverage out – 22.84 percent
Travel fare – 7.80 percent
Decorations – 27.37 percent
None of the above – 6.30 percent

While over 50 percent of respondents saying they will or might use credit cards for the majority of their spending, just 14.9 percent expect to go into debt because of it. This is how soon Americans anticipate paying off their credit card balance:

Immediately – 42.42 percent
January – 9.24 percent
Within 3 months – 12.19 percent
Within 6 months – 11.09 percent
I don’t know – 25.04 percent

“Credit cards, when used wisely, can result in a smarter holiday spending plan,” says Loryll Nicolaisen, managing editor. “Cash-back spending rebates, zero-percent introductory purchase APRs and bonus rewards from preferred retailers can all come in handy when making your list and checking it twice.”

For full analysis and ways to minimize spending while maximizing rewards, visit


OP4G surveyed 2,000 Americans on behalf of

About offers easy, fast and free solutions to consumers looking to track their credit score and make the most of their money. offers consumers free access to their TransUnion credit score. The site also features money management tips and tools, including the unique WisePiggy Report Card, a one-of-a-kind tool to guide consumers to a better credit score. This new site joins an award-winning portfolio of personal finance sites under the QuinStreet, Inc. (NASDAQ: QNST) brand – one of the largest Internet marketing and media companies in the world. QuinStreet is committed to providing consumers and businesses with information they need to research, find and select the products, services and brands that best meet their needs.

Did adding a free credit score website inside a resource link is a violation of yahoo answers plan?

Question by peaceandlove: Did adding a free credit score website inside a resource link is a violation of yahoo answers plan?
Did adding a free credit score site inside a resource link is a violation of yahoo answers plan?
No, I am just placing the relevant link. I just place the link to credit score website when the query has asked anything regarding credit score.

Best answer:

Answer by Wildgrl
It can be:

Any outside link (url) need to be straight relevant to the query being answered. If the link is continually being shown with ALL the answers, it get’s fast picked up by the Spam hunters. Even when it’s not a direct violation, it might constantly result we difficulties. Spamming seldom / when ever wins appeals.

I recommend NOT posting them. YA is a Q&A url…not a site to create “customers”.

Know greater? Leave your answer inside the comments!