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| Pop Classics |
This style refers to a wide era of pop music...from Perry Como, Frank Sinatra, Nat King Cole, Patti Page, Glenn Miller and vocal groups such as The Four Aces, The Ames Brothers, The Platters and The Four Seasons. This was the type of music that appealed to old and young alike, it was called POP. During pop’s Golden Age, the whole family pretty much liked the same songs. That’s why they called it Pop Music: It was popular, of the people. Singers packed houses across the country and with the widespread popularity of jukeboxes, radio and movies; it enabled their music, personalities and distinctive vocal styles to catapult them to superstar status. Time, it is said, is the ultimate critic...and the songs here have passed the test of time. They hold memories for a lot of people. The subject matter is mainly love, the love between two people. They are songs of romance. Many are songs of hope and optimism, songs of love on the horizon or just around the corner. Some are songs of bittersweet memories of love past and love lost. The songwriters wrote love stories with a beginning, a middle and an end. We don’t have to guess what they’re talking about. The writing is clear and to the point. Nor do we have to guess what the melody might be. It’s all about communication of emotion. These performances are not about ego, just simple emotions conveyed directly and sincerely. And that’s the word which best describes what we have here: Sincerity. It is the sincerity that gives these songs and performances their lasting value. Great songs from 1940 – 1990...fifty years of the best songs ever recorded by the original artist. |
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1030 KCEE
Slone Broadcasting, LLC |
6700 N. Oracle Road
Suite 240
Tucson, AZ 85704
520.498-1030
520.498-9966 (Fax)
contact@1030kcee.com |
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| Why Do Mortgage Brokers Work for Borrowers Not Lenders? |
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If you are going to submit an application for a mortgage, you will feel that you are in a sort of battle with the lender, since you are on two different sides of the issue. The lender wants the highest interest rate so he can make the most money, and you want the lowest interest rate so you can have the lowest mortgage payment. A mortgage broker (courtier hypothecaire) will be a middle man in these negotiations.
Does this mean that the broker works for the lending institution or for the borrower? If you know that the lender pays the broker’s fees, you may come to the conclusion that the broker works for the lending institution, but this is not true.
The mortgage business in Canada is very competitive. Some big mortgage brokers have several billion dollars of home loans every year. Many lending institutions want to work with mortgage brokers (courtier hypothécaire), who can give them additional business.
Brokers (courtier hypotheque) make roughly the same commission, regardless of which lender they work with. This makes brokers fairly independent, as they will get the same fee from any of the lenders. Borrowers are perfectly happy not to be paying this fee.
This is what this kind of competition means:
-Lenders team up brokers to be exposed to more loan business
-A potential borrower’s application can be seen by 50 or more lenders, without any additional burden on the borrower.
The borrower then really becomes the client of the broker (courtier hypothecaire). A broker makes sure to serve his client by finding the most appropriate mortgage strategy and mortgage product for him.
The objective of a good mortgage consultant are :
1) To create clients for life
2) To make them happy enough to refer the broker to friends, family and neighbors
Mortgage consultants (courtier hypothecaire) earn their money by the commissions they are paid. Their primary goal is to serve the borrowers and build up a reputation so that their business will grow based on recommendations.
This shows that, even though the lender pays the broker’s fee, it is the borrower that the broker serves and wants to keep satisfied.
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