Казино Вулкан Гранд – Вход и регистрация

Starburst       Только у нас: более 150 лучших гаминаторов, высокая отдача, быстрые выплаты.         Добро пожаловать в казино Вулкан24. Скоротать время в поездке, автомобильной пробке или очереди, при полном отсутствии финансового риска. Получить практический опыт азартных вращений. Если вы поклонник игровых автоматов, но вы чувствуете, что никогда не получите реальный шанс отправиться в Вегас, вы всегда можете попробовать улучшить свой онлайн-опыт. Хотя некоторые люди имеют возможность опробовать реальный автомат, но большинству людей придется быть довольным 24 часовым онлайн доступом к слотам, не выходя из собственного дома. Постоянно обновляемый список игровых слотов от мировых брендов. Доступность проведения партий на деньги и бесплатно. На сайте казино Вулкан Делюкс представлено широкое разнообразие игровых автоматов от известных производителей, таких как Новоматик, Игрософт, EvoPlay и др. Вы можете сыграть как в популярные слоты, такие как Книжки, Резидент, Обезъянки, так и в новинки — Golden Ark, Tres Amigos и др. В клубе регулярно проводятся турниры с приятными призами. Кроме большого количества слотов (200+), приятного качественного интерфейса и звукового сопровождения вас ожидает приветственный бонус, увеличивающий вероятность победы. Все, что нужно иметь потенциальному гемблеру для игры — желание заработать и стремление быть на уровень выше остальных. Ну что ж, клуб рад здороваться вас. Еще какую–то сотню лет игровые автоматы считались чем-то фантастическим и невозможным. Люди любят развлекаться и отдыхать, можно еще и играть в игровые автоматы на деньги. Лотереи, турниры, конкурсы – все для вас, в активном режиме. Бонусы, призы, акции, подарки –отличное дополнение к увеселению. В Санкт-Петербурге началась
подготовка к Общегородскому Крестному ходу. Санкт-Петербургская епархия призывает верующих
города на Неве принять участие в прославлении святого
благоверного князя Александра Невского8230. Фильм представляет из себя неплохой образец жанра катастрофы, смотрится с удовольствием, но немного затянут вначале и в конце. Правда присутствует множество непоняток, недоработок сюжетных линий… Особо бесит тупой вопрос в самом разгаре событий “Are you okay. Бонус на первый депозит устроен очень интересно его размер целиком зависит от величины первичного вклада и колеблется от 100 до 400. Бонусы на следующие депозиты также приятно удивляют, поскольку могут достигать 270% при внесении максимально суммы (от 10000 рублей.

Дипломату США сделано представление о попытке вмешательства во внутренние дела РФ

Основная задача вируса – заменить вашу стартовую страницу браузера на сайт Вулкана. Таким образом осуществляется продвижение ресурса и привлекаются новые игроки. После этого вам останется только согласиться с открытием доступа к личным данным. Мы никому их не передаем, поэтому можете не переживать. Сайт отлично сочетает в себе богатую подборку игровых автоматов, удобный интерфейс, надежную поддержку пользователей портала и удобную навигацию по платформе. Здесь игрок найдет около 100 ярких новейших слотов, при этом отдача составляет до 98. Откуда вы там знаете что Америка денег не даст, может втихаря уже дает и давно,ато безсиськи,без письки,сами такие, масковские тролли , несчастье вы Ордынское,а Весёлый Роджер видел системы юу С-350. До чёртиков допивается,видит то чегонет и быть не может, Роджер не пей ,к то алкоголиком будешь. Кэшбэк начисляется автоматически и зависит от активности геймера, которую он демонстрировал в течение прошедшей недели. Средства зачисляются на баланс с вейджером х5. Лотереи, турниры, конкурсы – все для вас, в активном режиме. Бонусы, призы, акции, подарки –отличное дополнение к увеселению. Барнаульца вызывали в ФСБ из-за видеосохраненного в «ВКонтакте» семь лет назад. Почему паркинги в Барнауле стоят полупустымикогда дворы забиты машинами. Поэтому, пополняя депозит, играя на определенных автоматах, вы будете накапливать баллы, которые впоследствии можно будет обменять на реальные деньги или бонусы, как, например, бесплатное вращение рулетки и т. Акции в казино тоже устраиваются, и информация о них дается на главной странице сайта, из первых рук под шапкой. Программа устанавливается быстро – всего 2-3 минуты. После установки игроки получают тот же сайт Вулкан, только на компьютере. Постепенно сумма всех ваших общих ставок и баллов будет суммироваться, автоматически открывая для вас двери новых возможностей. А подробнее ознакомиться с табличкой уровней, и что открывает каждый из них можно в меню на вулкан официальный сайт. Сегодня видео слотов в интернет салоне Казино вулкан собралось большое множество. Для практичности их порой структурируют по тематикам. Игровые автоматы представлены как классические в стиле уже упомянутых игр, так и современные с реалистичной графикой, дополнительными режимами и улучшенной стабилизацией. Игровые аппараты Вулкан дарят уникальную возможность каждому начинающему гемблеру оценить свои силы и наконец почувствовать всю прелесть развития гемблинг-индустрии в России.

Зеленский готовит реформы, которые изменят экономическую ситуацию в Украине

Выгодные акции, бонусы и программу лояльности. Наличие исправной мобильной версии. После этого вам останется только согласиться с открытием доступа к личным данным. Мы никому их не передаем, поэтому можете не переживать. Lucky Lady Charm Deluxe – 120 900 рублей. Игровые автоматы Вулкан: акции и бонусы. Создать новый аккаунт в онлайн казино можно с помощью кнопки «Зарегистрироваться. Пользователя перебросит на новую страницу, где необходимо заполнить контактные данные и придумать логин с паролем для авторизации. Поэтому онлайн казино с бездепозитным бонусом за регистрацию будут существовать всегда, а выиграют от этого как операторы, так и сами игроки. Вы сможете совершить платеж через Qiwi и начать играть на реальные деньги прямо сейчас. 77 фри-спинов за регистрацию доступны всем новым пользователям. Многосоставный приветственный бонус, начинающийся со 100% на 1-й депозит, 110% на 2-й депозит, и так далее с шагом +10. 23 сентября — 21 марта — полярный день. 22 марта — 8 апреля — гражданские сумерки (при полном отсутствии облачности можно читать и писать, работать без искусственного освещения. Сегодня мы поговорим обонусной системе и ее возможностях о преимуществах бесплатной и платной игры на игровых автоматах об огромном ассортименте игр в казино о том, как правильно зарегистрироваться, чтобы получить подарочные бонусы. Вулкан игровые автоматы и чудо бонусы. As franjas cortinas, aquelas que são divididas ao meio, são uma opção mais segura e fácil de arrumar. O segredo do corte é trabalhar bem o comprimento, já que as franjas cortinas podem ser mais longas na lateral ou na frente do rosto. Starburst       Только у нас: более 150 лучших гаминаторов, высокая отдача, быстрые выплаты.         Добро пожаловать в казино Вулкан24. В Санкт-Петербурге началась
подготовка к Общегородскому Крестному ходу. Санкт-Петербургская епархия призывает верующих
города на Неве принять участие в прославлении святого
благоверного князя Александра Невского8230. Игровые автоматы в казино Вулкан на деньги. Как играть бесплатно в нашем клубе.

Последние новости

Создать новый аккаунт в онлайн казино можно с помощью кнопки «Зарегистрироваться. Пользователя перебросит на новую страницу, где необходимо заполнить контактные данные и придумать логин с паролем для авторизации. В таком случае выберите понравившийся аппарат и запустите демо. Это не будет стоить вам ни копейки. Вы также можете воспользоватьсяпомощью в режиме реального времени формой обратной связи. Слоты, бонусы, Джекпоты, турниры. Их нельзя перепутать друг с другом. Это делает игровой процесс настолько увлекательным, что оторваться просто нет возможности. Бесплатный бонус в казино Вулкан Делюкс. Поете в караоке, читаете стихи или стреляете в тире. Поэтому, пополняя депозит, играя на определенных автоматах, вы будете накапливать баллы, которые впоследствии можно будет обменять на реальные деньги или бонусы, как, например, бесплатное вращение рулетки и т. Акции в казино тоже устраиваются, и информация о них дается на главной странице сайта, из первых рук под шапкой. Спецназ начал разгон митингующих http://ameriflexcare.vpsrx.com/2020/01/15/%d5%af%d5%a1%d5%a6%d5%ab%d5%b6%d5%b8-%d5%be%d5%a5%d6%80%d5%a1%d5%b6%d5%a1%d5%b5%d5%b8%d6%82%d5%b4-%d5%b0%d6%80%d5%a1%d5%a2%d5%ad%d5%ab-x-volcano-iks-%d5%a1%d6%80%d5%b1%d5%a1%d5%a3%d5%a1%d5%b6/ в Бишкеке. Пассажир авиакомпании Ryanair, ударивший бортпроводницу, получил пожизненный запрет на полеты. Рассмотрены методы заполнение таблиц СУБД ACCESS путем импортирования данных из таблиц другой (внешней. Создание базы данных с помощью инструкций SQL. По данным Нацполиции Украины, на сегодняшний день сотрудники киберполиции уже провели 15 санкционированных обысков. По их результатам изъяты более сотни единиц компьютерной техники, мобильные телефоны, дополнительные носители информации, банковские карточки, чековая книжка американского банка, российские паспорта участников преступной группы, служебная и черновая документация. Если вы поклонник игровых автоматов, но вы чувствуете, что никогда не получите реальный шанс отправиться в Вегас, вы всегда можете попробовать улучшить свой онлайн-опыт. Хотя некоторые люди имеют возможность опробовать реальный автомат, но большинству людей придется быть довольным 24 часовым онлайн доступом к слотам, не выходя из собственного дома.

За регистрацию на сайте!

После загрузки можно запускать гаминаторы, получать бонусы, участвовать в акциях. Pyramid: Quest for immortality. Здесь можно ставить минимальные суммы, а в государственных тотализаторах это невозможно. Как говорится: «Начни с копейки, а заработай миллион. Это путешествие в мир развлечений, где вас ждёт множество самых лучших слотов. Знаменитые видеослоты Fruit Cocktail, Crazy Monkey, Book of Ra, Sizzling Hot, Aztec Gold и много-много других представлены на нашем ресурсе. В ванной комнате с ванной и душем предоставляются бесплатные туалетно-косметические принадлежности. Услуга «звонок-будильник» / будильник. Отличается лишь адрес Вулкан Делюкс зеркала, благодаря чему вы можете получить беспроблемный доступ к игровому порталу в любое время. Лучшие слоты, аппараты и автоматы на нашем казино Вулкан Делюкс. Игровой автомат The Magic Flute. Игровой автомат The Money Game. Если вы поклонник игровых автоматов, но вы чувствуете, что никогда не получите реальный шанс отправиться в Вегас, вы всегда можете попробовать улучшить свой онлайн-опыт. Хотя некоторые люди имеют возможность опробовать реальный автомат, но большинству людей придется быть довольным 24 часовым онлайн доступом к слотам, не выходя из собственного дома. Регистрируясь с помощью почтового ящика помните, что на ваш эмейл казино вулкан онлайн сможет отправлять полезные письма с бонусами, приглашения на закрытые турниры, акционные предложения и все новинки сайта, которые просто невозможно пропустить. Информация о статусах и уровнях в онлайн казино вулкан. Более 900 пожарных борются с огненной стихией в Португалии. Страшное существо ползет перед женщиной на дороге (ВИДЕО. Игровой зал Slotor – одно из тех онлайн казино на гривны в Украине, которое обеспечивает своим пользователям возможность играть в том числе и на гривны. Впрочем, у нас поддерживаются и другие валюты, а также биткоины, так что каждый клиент найдет оптимальный вариант для игры в игровые аппараты. Если у Вас еще остались хоть какие-то сомнения, то скорее читайте отзывы реальных игроков во всемирной паутине. Они докажут, что Вулкан клуб — это лучшее место для азартного отдыха с совершенно прозрачными условиями и честными правилами.

Чем грозит сколиоз? ®

Помимо честности и разнообразия слотов, за преимущества можно так же отметить отличную техническую поддержку и приятную бонусную систему. Если у игрока вдруг возникнуть какие-либо вопросы по работе казино или конкретного слота, то ответы на эти вопросы можно узнать у технической поддержки сайта. Получить квалифицированную помощь и ответы на вопросы можно у менеджеров техподдержки. Для связи с ними предусмотрен онлайн-чат, мобильный телефон и электронная почта. Как уже говорилось, игровой клуб Вулкан 24 играть бесплатно предлагает каждому своему постояльцу. Для этого достаточно из двух предложений «Играть на деньги» или «Играть в Демо» выбрать первое. Посетив казино впервые, запустите бесплатные аппараты. Игра в деморежиме поможет вам освоить правила игры. Основная задача вируса – заменить вашу стартовую страницу браузера на сайт Вулкана. Таким образом осуществляется продвижение ресурса и привлекаются новые игроки. Избрание Бориса Джонсона премьер-министром Великобритании не оставляет никаких шансов на поиск компромисса. Заметки любопытного в охваченной правопорядком Москве. На официальном сайте казино Вулкан Рояль представлены качественные игровые аппараты от всемирно известных провайдеров: Novomatic, Ifrosoft,Evoplay,Betcore, Ud Production, Unicum. Каждая игра отличается качественной графикой, достойным звуковым сопровождением, а также разнообразными сюжетами. Также интернет-казино регулярно (примерно один-два раза в месяц) проводит для пользователей лотереи. Как и в настоящей оффлайновой лотерее здесь нужно купить билет. Из-за ограничений провайдеров, не в каждой стране можно зайти в казино. Однако, если казино Вулкан недоступно в Вашей стране, необходимо использовать специальную ссылку для входа. 77 фри-спинов за регистрацию доступны всем новым пользователям. Многосоставный приветственный бонус, начинающийся со 100% на 1-й депозит, 110% на 2-й депозит, и так далее с шагом +10. Достаточно просто найти понравившийся слот и нажать кнопку «Демо» рядом с ним. Будут начислены виртуальные кредиты, на которые и можно в Вулкан Гранд играть бесплатно.


The watchdog for Fannie Mae and Freddie Mac has been interviewing advisory firms to handle the public offerings of their shares and is likely to announce a name within the next few weeks, according to Jaret Seiberg, managing director of Cowen Washington Research Group.

“Our expectation is that FHFA in the coming few weeks will announce its financial adviser,” Seiberg said in a note to investors obtained by HousingWire. “We believe the agency in February will publish the proposed capital rules. We expect the enterprises to hire financial advisers this spring.”

Naming the investment bank to start the underwriting process for the companies known as government-sponsored enterprises is the first major step in releasing them from conservatorship. Fannie Mae and Freddie Mac, the nation’s largest mortgage financiers, were seized by regulators in 2008, in the midst of the financial crisis.

For the record, while the process of selling shares to the public is referring to as an “initial public offering,” or IPO, it would be a second go-round for both companies. Fannie Mae began trading on the New York Stock Exchange in 1968, and Freddie Mac began trading on the same exchange in 1989.

The “offering” would be the 80% of Fannie Mae and Freddie Mac held by the federal government since 2008.

Prior to the government takeover in 2008, shares of the Fannie Mae and Freddie Mac traded above $68. After regulators seized them, they were kicked off the NYSE and their share prices tumbled to around 50 cents by the end of 2008. Today, they trade at around $3.

“Next step, in our view, is for FHFA to issue consent orders that will automatically remove each enterprise from conservatorship once they hit the minimum capital level that the capital rule requires,” Seiberg said. “The consent order, however, will maintain FHFA’s control over the enterprises until they are well-capitalized.”

The process of releasing the companies from conservatorship won’t be stopped by the election of a new president if the FHFA has consent orders in place, Seiberg said.

“There will be an election between the issuance of the consent orders and the enterprises becoming well-capitalized,” Seiberg said. “To us, it will be difficult for Democrats to stop this process even if they win in November. And if President Trump gets re-elected, then there should be no real risk of a disruption.”



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It was another hot summer day in Lancaster, PA. But there was a consistent breeze blowing over the hillside, which did a good job of keeping the heat from sticking.

The Fisher farm is located just outside of Intercourse, PA and just down the road from a local Amish Furniture retail store. Alongside being a fully functioning farm, the Fisher’s also have an Amish woodshop on the premises, where quality oak Amish furniture is constructed.

The benefit auction has been held at the Fisher farm for a number of years now. All of the proceeds go to benefit a local special needs school and care center. The sale is held annually on the closest Monday to the 4th of July, and it has become a popular social event for the Amish community in the Intercourse area.

The Fisher’s had set up three tents the previous week, in anticipation of the sale. However, a heat wave brought in some severe thunder storms which tour two of those tents apart. Replacement tents were found and the sale went on without a hitch.

The heat of the day and the severe weather from the weekend did not deter the local Amish as well as the visitors lucky enough to come along the sale that day. The sale is open to the public and tourists are encouraged to visit.

Three tents made up the venue for the event. This Fisher Farm sits along Old Philadelphia Pike, just down from Intercourse, PA. The largest tent was for the incredible amount of Amish food sold at the event. Freshly grilled BBQ chicken, BBQ ribs, homemade ice cream, homemade potato chips, whoopee pies, shoe fly pies, fresh waffle cut french fries, fruit smoothies, fresh roasted almonds, and more. The food is an experience all in itself, making this event worthy of the likes of Anthony Bourdain.

The second tent was dedicated just for eating the food, with tables and chairs set up underneath to shelter the feasting crowd from the warm sun.

The third tent was set up for the sale itself. Items sold at the auction were donated throughout the year and included a variety of wonderful treasures including Amish quilts, Amish furniture, Amish crafts, and a large number of other Amish goods and keep sakes.

This event is a great opportunity for the “English” (“English” is a term used by the Amish to refer to anyone who is not Amish) to interact and be alongside the Amish in a natural social setting. If you have the opportunity to be in Lancaster County in early July, be sure to put this event on your calendar. It is a must see and a perfect opportunity to experience a bounty of Amish culture in a welcoming and community oriented setting. Plus, you will be supporting a great cause!

One of our favorite photo opportunities of the day was the set up for the horse and buggy ties. The Amish buggies were parked on the outside of a long line of hay wagons. The horses were unhitched and tied up to the hay wagons, were they were provided with lots of delicious hay to eat whilst escaping the heat underneath a beautiful shade tree.

Stay tuned to Amish Chic’s, “This Amish Life” to find more stories, images and video direct from Amish centered events in Lancaster County, PA.

View photos from this event on our website at http://www.AmishChic.com

*(The Amish do not like to have their pictures depicted as individuals. We do our best to provide you with quality and dynamic images that depict Amish life, without betraying their desire to be kept anonymous.)



Source by J Michael Glick


Last year, Plaid, a technology platform that connects various applications with users’ bank accounts and has a growing presence in the mortgage space, secured investments from Visa and Mastercard.

The fintech company did not reveal at the time how much the credit card companies were investing, but it turns out that Visa’s interest in Plaid was much more than just exploratory as the credit card giant is now set to buy Plaid.

Visa announced Monday that it reached an agreement to buy Plaid for a total purchase consideration of $5.3 billion.

That figure is exactly twice as much as Plaid’s reported valuation in late 2018 when it raised $250 million in its Series C funding round at a valuation of $2.65 billion.

Noted venture capitalist Mary Meeker led that funding round, with participation from Andreessen HorowitzIndex Ventures, Norwest Venture Partners, and Coatue Management, along with existing investors Goldman SachsNEA, and Spark Capital.

Plaid later brought on Visa and Mastercard as investors but now, Visa is set to buy the company flat-out.

“We are extremely excited about our acquisition of Plaid and how it enhances the growth trajectory of our business,” said Al Kelly, CEO and chairman of Visa. “Plaid is a leader in the fast-growing fintech world with best-in-class capabilities and talent. The acquisition, combined with our many fintech efforts already underway, will position Visa to deliver even more value for developers, financial institutions and consumers.”

In the mortgage space, Plaid, a 2019 HW Tech100 winner, provides an asset verification program that can be used as part of Fannie Mae’s Day 1 Certainty program.

The company expanded last year when it acquired Quovo, another company that also connects applications to customers’ accounts, although Quovo’s business is focused more on investment and brokerage accounts. Plaid reportedly paid around $200 million for Quovo.

But that deal pales in comparison to Visa’s deal to acquire Plaid itself.

According to a release, Visa views the acquisition as an entry into new businesses and “complementary” to its existing businesses.

“First, Plaid’s fintech-centric business opens new market opportunities for Visa both in the U.S. and internationally,” the company said in a release. “Second, the combination of Visa and Plaid provides the opportunity to deliver enhanced payment capabilities and related value-added services to fintech developers. Finally, the acquisition will enable Visa to work more closely with fintechs through all stages of their development and drive growth in Visa’s core business.”

Plaid’s products allow consumers to share their financial information with thousands of apps and services, including Acorns, Betterment, Chime, Transferwise, and Venmo.

“This acquisition is the natural evolution of Visa’s 60-year journey from safely and securely connecting buyers and sellers to connecting consumers with digital financial services,” Kelly said. “The combination of Visa and Plaid will put us at the epicenter of the fintech world, expanding our total addressable market and accelerating our long-term revenue growth trajectory.”

The deal is already receiving positive reviews from several sizable financial services companies.

“We believe Visa’s acquisition of Plaid is an important development in giving consumers more security and control over how their financial data is used,” said Gordon Smith, co-president, JPMorgan Chase and CEO of consumer and community banking. “Protecting customer data and helping them share that information safely has long been a top priority for Chase. We look forward to partnering with Visa to continue building a great experience for our shared customers.”

PayPal President and CEO Dan Schulman, meanwhile, stated: “We have strong relationships with both Visa and Plaid. The combination of Plaid’s capabilities with the security and scale of Visa’s global network will provide us with exciting opportunities to enhance our products.”

As for Plaid, the company said that the deal will allow the company to grow.

“Plaid’s mission is to make money easier for everyone, and we are excited for this opportunity to continue delivering on that promise at a global scale,” said Zach Perret, CEO and co-founder of Plaid. “Visa is trusted by billions of consumers, businesses and financial institutions as a key part of the financial ecosystem, and together Visa and Plaid can support the rapid growth of digital financial services.”

According to a release, Visa will use cash on hand and debt issuance “at the appropriate time” to fund this deal. The companies expect the deal to close in the next three to six months.



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Recently it came to my notice that Physical Therapist Dr. Glenn Dorman has celebrated his ninetieth birthday. His book, “How to Teach Your Baby to Read,” co-athored with Janet Dorman over forty years ago, started a whole new approach to teaching reading to the very young.

It all began while Glenn Dorman was teaching brain damaged preschool children to read at Philadelphia’s Institutes for Achievement of Human Potential. Dolman claims that a baby will learn the written word as easily as  spoken language and can even learn to read before he or she learns to speak. .That is  on the basis that the written word is presented repeatedly and in large letters. His book sets out step-by-step teaching sessions, beginning when the child is two years old. There are several daily periods of less than five minutes each. In a sample of a session the parent touches the baby’s toes, pronounces the word “toes”, holds up a large sign with the word on it. It is important that each session is a “game” that both participants find it “joyous” and it must always end before the baby becomes bored.

Dorman’s approach was and still is controversial. No one has any problem with parents reading to their babies from birth. However, claims by experts  that most reading problems could be eliminated if reading was taught from an earlier age are not really proven. In Finland the literacy rate is 99.9% but pupils don’t start learning to read until they are seven years old. Four of the top ten countries don’t begin formal reading instruction until age seven.

Certain physical and mental abilities need to be developed before a child can learn to read. The child must be able to hear the differences in the phonic sounds correctly, they must be able to accurately move their eyes across the page. They must be able to sit still and concentrate and of course they must be able to understand what is being read. These are all skills that improve with age.

Educators and child psychologists are generally skeptical about the value of children learning to read at a very early age. They do not doubt that some parents can teach some three and four year olds to read. They feel that the motivation for many parents is that “it represents status”. Some critics even fear that early instruction can be harmful. Dr Paul J. Kinsella, director of the Developmental Reading Clinic at Lake Forest is of the opinion that that a young child’s hearing and sight are so disorganized that parental pressure to read may only confuse children or cause emotional blocks that would permanently impair their reading. Burton White of Harvard’s School of Education even goes so far as to call home-teaching “part of the overemphasis on cerebral development.”

However, no reliable studies of the long-term effects of parental pre-school teaching exist. There is, however, a general consensus that impatient parents, who tense up should not embark on early reading programs with their child.

Supporters of the Gentle Revolution propose that tiny children have within them the capacity to learn virtually anything while they are tiny. They believe that what children learn without any conscious effort at two, three or four years of age can only be learned with great effort, or may not be learned at all, in later life.

Personally I don’t dispute that very young children can be taught to read. But like so many other ideas today one must ask whether  long term it increases the chances of producing well-rounded individuals who can cope with life.I know one Jamaican surgeon who taught herself to read and aged two and a half was reading the newspaper. She was clearly an exceptionally gifted child.

Babies are beautifully pre-programmed to do things at the time which is right for them. A baby learns to hold its’ head up, sit up, stand up, crawl, walk  when it feels ready. I really wonder if a nine month old should have its cerebral energy directed towards learning to read. Some programs even recommend starting reading at this age.

Starting teaching three or four year olds is a different matter. Some thirty odd years ago I began using the Dorman’s book to teach my then three year old eldest son to read. He was clearly intelligent and he loved books and had an extensive library of his own. In spite of his interest things did not go well. I was very patient, not pushy, but I became convinced that I was a hopeless teacher. I soon stopped the program because I did not want to run the risk that my son felt he was an academic failure before he even started attending nursery. This son was a very late reader, as was I, and for the same reason.

 In his second year at university my son was diagnosed as being severely dyslexic in some areas. This was at a time when dyslexia was not known to many school teachers let alone the general public. Neither I nor my son had any special help to deal with our reading problems. My late father, who was a medical doctor, was convinced that I was intelligent and never gave up on me despite my teachers’ attitudes towards my abilities. I continue to thank him for that Both myself and my son reached a point where everything suddenly  fell into place by itself and we could read with no further problems. My son and I despite learning to read late went on to university. He is now an excellent secondary school teacher.

Looking back I realize that I had not been able to practice one of the Dolman’s most important precepts i.e being “joyous.” It was only as a Dance and Movement Therapist working with children with special needs that I learned to be joyous in my teaching. Being genuinely joyous completely changes the pupil teacher dynamic. The feeling of joy is powerful, infectious, creative, self-empowering and nurturing. In this troubled world we should try to live our entire lives on this energy. Joy and wonder can still be found in the midst of disaster and conflict if we know where to look. 



Source by Dzagbe Cudjoe


Editor’s note: This is an exclusive preview of our new HW+ premium content. For more information, click here.

The last 365 days proved that as much as the industry tries to predict the real estate market, nothing beats proactively preparing for any type of lending environment. The best example of this was also one of the biggest mortgage industry trends of 2019: the drop in interest rates.

By the end of 2018, there was an overwhelming amount of negative housing data points that didn’t bode well for a strong start to last year. A majority of the forecasts for 2019 predicted that interest rates would rise, causing would-be buyers to continue renting, along with rising home prices and tight inventory making affordability sound impossible. 

The reversal of these predictions spawned a refi boom, and when the top industry voices were asked to share which trends not only took the industry by storm last year but were expected to carry into 2020, the trend that was on the forefront of everyone’s mind was the year’s record-low interest rates, averaging around 3.9% in 2019 according to Freddie Mac.

In his video for HousingWire, United Wholesale Mortgage President and CEO Mat Ishbia quickly stated at the beginning, “Looking at 2019, it was an unexpected year for most. The rate rally was the big news.” He also noted that it was a great year for most people in the industry that helped a lot of consumers across America.

The pleasant surprise of low interest rates is the most obvious trend of last year, but to proactively prepare for 2020 and beyond, lenders need to pay attention to the other hot trends brewing.

HousingWire asked five voices in the industry to share what they uniquely saw happening in 2019 and what top mortgages trends people in the industry should watch for heading into the new year.

MOVEMENT MORTGAGE CEO CASEY CRAWFORD

In 2017, Movement Mortgage not only purchased First State Bank in Danville, Va., but they also gained a piece of history. Movement Mortgage CEO Casey Crawford shared the deep roots that the bank has in America’s history, saying, “[First State Bank] is a 100-year-old institution founded in Southern Virginia that was serving the black community during the Jim Crow South.”

He explained that during this period, the bank opened up credit options for the community when they were explicitly being discriminated against and denied access to credit products. Last year, the Movement Mortgage team decided to look back and see how black homeownership has changed over the years.

They were shocked to find that today, the country is seeing the widest rate of disparity between black and white homeownership in 100 years. He continued to expand upon this long-standing problem in America, adding that the good news is there are 1.7 million qualified black Millennials who are ready to purchase homes.

The trend that will carry into 2020: Lenders need to educate this community about homeownership opportunities to help bridge the wealth gap that exists in the United States today.

THE KNOWLEDGE COOP VICE PRESIDENT OF TRAINING AND DEVELOPMENT NATHAN KNOTTINGHAM

“Wire fraud” is a topic that should’ve come across the industry’s desk more than a handful of times last year. It’s a growing and pressing issue that people shouldn’t become numb to.

Nathan Knottingham, vice president of training and development with The Knowledge Coop, gave his unique take on how cyber security seized the industry’s attention in 2019, and is something his company has heavily focused on the last few years.

2019 brought an increase in deep fake accounts and security threats, and Knottingham stressed the importance of understanding and guarding against the dark web. “This one needs to be a continued priority going forward,” he said. “And hopefully, the heightened awareness will keep all people in the industry on alert and help the IT professionals do their job to keep organizations safe.”

The trend that will carry into 2020: The industry needs to stay vigilant in protecting consumer information as hackers become more sophisticated. 

LUND MORTGAGE TEAM OWNER/BROKER LISA LUND

With the recent refinance boom in 2019 serving as a great example, it benefits lenders to be proactive rather than reactive to what’s happening in the market. Owner/broker of Lund Mortgage Team Lisa Lund stressed, “Although 2019 was record-breaking for most of us, we have to remember it doesn’t last forever.”

A small victory lap after a great year is fine, but this doesn’t mean lenders can rest on their laurels. Lund asked, “What’s your business plan for 2020 or even 2024?”

In her video, she emphasized the importance of reinvesting back in yourself or in your company, adding “If you do that, you’re going to ensure a lifetime of success, not just while we’re all riding this crazy refinance boom.”

The trend that will carry into 2020: Companies need to make sure they are always working on ways to improve and evolve with changes in the market.

THRIVE MORTGAGE DIRECTOR OF EDUCATION AND ENGAGEMENT JAMES DUNCAN

Technology and innovation are two words that showed up in many articles and discussions over the last few years, and this isn’t likely to change moving forward. However, the focus of these technology conversations will, as Thrive Mortgage Director of Education and Engagement James Duncan shared in his video.

The rapid pace of new technology has been advancing faster than many lenders could keep up with. “They just knew that there were inefficiencies in the process and the workflow that needed to be addressed and fixed,” Duncan said.

This trend started to shift as more lenders started asking better questions and the right questions in 2019, leaving this next year to really put this technology to the test. Duncan explained that the leaders who pull away from the pack aren’t going to be the ones who simply adopted new technology, but the ones whose focus was on adopting technology to enhance the borrower’s experience and to improve the level of service and advice that they provide to the client.

The trend that will carry into 2020: Lenders need to focus on the impact technology has on the borrower experience.

UNITED WHOLESALE MORTGAGE PRESIDENT AND CEO MAT ISHBIA

In a landmark ruling for the mortgage industry, as of Nov. 24, 2019, originators could officially move from a bank to a nonbank or to a new state and keep originating new mortgages without having to wait for a new license.

The transitional authority ruling eliminated the required period that originators had to wait for a new license before they could begin originating at their new job, which was a welcome change after a long push from the mortgage industry for new regulation.

United Wholesale Mortgage President and CEO Mat Ishbia pointed to the change as one of the biggest trends of the year, saying, “This has already started to impact the mortgage broker channel, and we’re seeing even more of it coming because of compliance support and technology support, along with some of the things that weren’t available in the broker channel in 2014, 2015 or 2016.”

The trend that will carry into 2020: The transitional authority rule will have a big impact in helping originators move jobs.

On top of all these trends, the industry is also moving ahead with a new commitment to community and collaboration. These five industry voices are just the start of a new era, one where lenders are collectively making the industry a better place. As more trailblazers join this movement, HousingWire is here to spotlight the trends that are helping move markets forward.



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There are two pretty obvious things that underlie the mortgage industry’s recruiting efforts. First, the competition is intense. The unemployment rate is at a record low and mortgage companies are competing with some of the biggest brands in the world for the best people. In addition, most people — even those who ended up in the industry — don’t grow up dreaming about getting into mortgage finance.

Despite these obstacles, lenders, servicers and other companies in the mortgage ecosystem are fighting the good fight to attract and retain top talent. HousingWire created engage.talent to support those efforts, gathering experts to share the best tools and strategies to succeed at filling some of the most important roles in mortgage.

The goal of engage.talent in Dallas on Feb. 6 is to bring more collaboration and knowledge sharing into the recruiting and retention conversation.

Companies in HousingWire’s Talent Leadership Council are committed to attracting, developing and retaining top talent. It’s going to take leaders, like those on the Talent Leadership Council, to not only help the industry compete in the battle for talent, but transform mortgage finance into a field that top people choose to comes to first.

Joining the Talent Leadership Council allows you to bring your team to engage.talent to learn together from some of the best recruiters and coaches in the business. It’s an investment in the future success of your company as you learn what’s working right now in talent acquisition. To learn more about the Talent Leadership Council, go here, and to register for engage.talent, go here.



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Naturally some of us are more competitive than others, but the vast majority of us have a good degree of competition hardwired into us. If you think you are not competitive in the least, ask yourself: have you ever felt a twinge of desire, jealousy or envy when looking at another person’s accomplishments or lifestyle? If you said yes, you are competitive – otherwise you wouldn’t care what others have.

Now before I offend anyone let me make it clear that I am not equating healthy desire or competition with vulgar jealousy. There’s a fine line between unhealthy jealousy and a competitive spirit that pushes you towards obtaining the same as another individual has. Let’s break this down into a specific example:

First we have Joe, an average guy that struggles to pay the bills each month. One evening while watching television he catches The Apprentice, sees Donald Trump and starts thinking to himself: “I wish I had what he had. It’s not fair that he was born with a silver spoon in his mouth while I sit here at risk of losing my home.”

Across the town we have Mary, another individual that is barely able to keep up with the bills each month. She is also tuning in to the abovementioned television show, and she’s thinking similar thoughts, though they have a distinct difference: “I wish I had what he had. In fact, I’m going to sign up for a real estate course and learn the business such that years down the road I can match his success.”

In the above examples, both would like to obtain Trump’s status and fortunes, but only one has a realistic shot at actually improving his/her lifestyle. Joe is practicing sheer, unadulterated jealousy, which is an ugly and self-destructive attitude that leads him to rationalizing that the rich get richer and the poor get poorer. In his eyes, life just isn’t fair, and there’s nothing he can do about it.

On the flip side, Mary recognizes that Trump is a savvy businessman that has made his fortunes via real estate. Sure, he might have had a head start with the properties inherited by his father, but anyone with enough determination and vision could potentially learn the real estate market and take their own slice of the pie. She is embracing her competitive spirit – she wants what Trump has and she’s going to do her best to stake her own claim.

The above examples are highly exaggerated and quite frankly unrealistic for most of us – as much as we’d like to become a billionaire, it’s just not going to be in the cards. But that isn’t to say we cannot become very wealthy and even hit millionaire status if that is our goal – all it takes is a lot of hard work, determination and a healthy sense of competition.

Most of us would like something that another person has, and while religions and society have trained us to reject such feelings, they aren’t inherently bad. If you allow your desires to turn into jealousy and envy then yes, you are walking down a bitter and self-destructive path, but if you instead convert your desires into an honest plan to match their achievements then you’re embracing your competitive spirit.

So reach for your desires. Embrace and nurture your inner competitive spirit such that it bubbles up and guides your actions each and every day. Competition is a wonderful motivator, and few of the world’s “elite” businessmen and individuals would have accomplished their goals and achievements without a strong competitive spirit.

Copyright 2005 Goals and Motivation.com



Source by Jeffrey Rolo


Even as home prices and rents continue to rise, a new report from ATTOM Data Solutions shows that owning a home is a better option than renting for more than half of the country.

According to ATTOM’s report, a median-priced, three-bedroom home is more affordable than renting a three-bedroom property in 53% of homes in the U.S.

The analysis found that ownership is more affordable in lightly populated counties, and renting is more affordable in more populous suburban or urban areas.

For example, renting is more affordable in 84% of counties with a population of at least one million. This includes Los Angeles County, California; Cook County, Illinois; Harris County, Texas; Maricopa County, Arizona; and San Diego County, California.

“Homeownership is a better deal than renting for the average wage earner in a slim majority of U.S. housing markets. However, there are distinct differences between different places, depending on the size and location from core metro areas,” said Todd Teta, chief product officer with ATTOM Data Solutions.

Renting is more affordable than buying a home in 94, or 69%, of the 136 counties in the report that have a population of at least 500,000 or more.

In 84% of counties with a population of one million or more, having the option to rent is an affordable alternative.

“For sure, either buying or renting is a financial stretch or out of reach for individual wage earners throughout most of the country in the current climate,” Teta said. “But with interest rates falling, owning a home can still be the more affordable option, even as prices keep rising.”

Renting a three-bedroom in California, Colorado or Hawaii required an average of 37.6% of weekly wages.

In a whopping 67% of markets, median home prices rose quicker than the price of renting did.

Consequently, the average rent rose faster than average wages in 43.3% of counties in the report.

On a more positive note, wage growth outpaced rent growth in 57% of counties, which included Harris County, Texas; San Bernardino County, California; Bexar County, Texas; Wayne County, Michigan and Philadelphia County, Pennsylvania.

Note: For this report, ATTOM Data Solutions looked at 50th percentile average rental data for three-bedroom properties in 2020 from the U.S. Department of Housing and Urban Development, along with Q2 2019 average weekly wage data from the Bureau of Labor Statistics (most recent available) and January-November (YTD) 2019 home price data from ATTOM Data Solutions publicly recorded sales deed data in 855 counties nationwide.

Rental affordability is average fair market rent for a three-bedroom property as a percentage of the average monthly wage (based on average weekly wages). Home buying affordability is the monthly house payment for a median-priced home (based on a 3 percent down payment plus mortgage payment, property tax, homeowner’s insurance and private mortgage insurance) as a percentage of the average monthly wage.



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HousingWire sat down with LoanCare Chief Operations Officer Mike Blair to discuss the company’s growth, its approach to servicing and the best way to prepare for a potential downturn or recession.

HousingWire: LoanCare has witnessed significant growth this past year as the company’s size and overall market share have increased. What do you attribute this tremendous growth to?

LoanCare COO Mike Blair

Mike Blair: In the past year, we have grown our servicing portfolio by more than 50 percent. We are currently managing approximately 1.7 million loans which ranks us second among all subservicers. To some extent we have been the beneficiary of the consolidation that is taking place in the market, earning some sizable portfolios with our proven performance and long-standing history in the industry.

Our approach to subservicing, which focuses client and borrower experience, is a powerful differentiator in the market and one that appeals to today’s more sophisticated MSR investor. Finally, we are in a unique position to take advantage of this opportunity with enhanced technology, giving us the ability to scale our operations to handle the increased volume while improving our delivery quality.

HW: As you continue to help the company rapidly grow, how do you plan to maintain consistency for your clients?

MB: The right people, the right processes and keeping ahead of the market. We opened a fourth call center location in the second quarter of 2019 to help address our rapid growth. Given how competitive the labor market is for servicers today, being able to expand our geographic footprint and offering attractive compensation and benefits has been critical to bringing in the level of talent we need now and into the future. We’ve also invested in technology to enhance the client experience with the creation of new data warehouse and by enhancing the online borrower experience for desktop, mobile and app interfaces.

HW: What is LoanCare doing to improve the borrower experience?

MB: We are investing heavily in technology that enables us to roll out enhancements to our web and mobile interfaces in months, not years. We believe that in order to be a leader in the servicing space, our technology must continually evolve, not stay static. We provide support to over 1.7 million loans, and we understand the increasing preference of borrowers to interact digitally via their channel of choice.

So, we’ll be launching a completely new web and mobile experience in 2020 which will fully automate the borrowers’ ability to manage their loans with new self-service options. Importantly, we are adding significant security and privacy upgrades to protect borrowers. We are also reviewing and enhancing our telephony package. Finally, we are constantly analyzing borrower surveys for insights that provide a roadmap for improvement opportunities that will drive further customer engagement and loyalty.

HW: Looking ahead in the market, what do you see subservicers doing to prepare for a potential downturn/recession?

MB: The decade that just closed is the first in recent memory that didn’t include a recession. So many observers believe we’re due for one, if not this year because it’s an election year, soon. Although no one can predict the “when” of a market downturn, LoanCare and other prudent servicers are always working under the assumption that it’s more near-term than somewhere far outside of the horizon.

The best way to prepare for a sharp increase in delinquencies and eventual foreclosures is to have the right people, partners and technology ready, so you can be proactive, rather than reactive. We are actively managing our delivery platforms to be able to adjust to changing market conditions and to scale our operations, even for worst case scenarios like the industry dealt with a decade ago. As a division of ServiceLink, one of LoanCare’s unique advantages is we’re already vertically integrated with best-in-class default capabilities.

HW: Since joining the company, how have you watched LoanCare deliver on its commitment to customer service?

MB: I am personally excited to be part of what is happening here at LoanCare. Not only our management team, but every employee understands how critical the client and borrower experience are to our success. We have set the highest goals to deliver best-in-class service and the features and enhancements scheduled for 2020 will clearly demonstrate our progress towards that goal.

HW: Now that we’re officially in the new year, what are your key takeaways on the industry right now and where do you see LoanCare growing moving forward?

MB: We may very well see additional consolidation in the servicing space given that it is a low margin/high scale driven business. At the same time, we have to be ready for unforeseen forces, like last year’s mini-refinance boom. Very few forecasters saw it coming, but it significantly challenged our industry. Usually when refinances spike up, purchase is slow, giving originators and servicers a chance to catch up. But that didn’t happen in 2019, so both sides of the industry were running at top speed and competing for talent.

Fortunately, LoanCare was positioned to help clients with their retention programs while also being large and nimble enough to take on additional loans in their portfolio. LoanCare’s key to continued growth is the company’s ongoing commitment and dedication to operational excellence and constant improvement. This translates to a continued eye towards ongoing technology investment while identifying opportunities to improve the customer experience through back office administration. We’re very lucky to be part of a company that totally understands the industry, shares our commitment to technology and is willing to continually invest in our success.



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