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IBM hopes Domino version 10 offers the platform new life | Real Questions and Pass4sure dumps

IBM is taking the low-code road to hold its 29-year-historical Domino platform important to modern application developers...

and IT retail outlets.

Domino version 10 is the first large upgrade considering 2013 for the platform, which comprises the Verse collaboration tool that makes use of analytics to help users prioritize email messages, as neatly because the Sametime collaboration device that competes with Slack and Microsoft teams.

Domino edition 10 presents improved cell capabilities, broader go-language compatibility and guide for the Linux-based mostly CentOS operating system to create Docker containers on premises or within the cloud, including the enterprise's own hosted service, IBM Domino functions on Cloud.

Domino edition 10 pushes mobile apps, cloud ties

a consumer-based mostly utility at the moment in beta, referred to as IBM Domino cell Apps, lets corporate developers create applications for each executives and far off users who work with Apple's iPad, with out a additional programming effort. added iPad guide for cellular users has been high on users' wish lists for some time.

"Domino Apps on an iPad is huge information for us; I won't must rewrite apps and can with ease mobilize them," talked about Fabrice Langlois, an IT gadget architect with Teradyne, a maker of computerized testing gadget in North analyzing, Mass.

Teradyne plans to use Domino edition 10's collaboration capabilities to enhance its consumer-dealing with and interior assist portals and aid users entry suggestions themselves.

"This now offers us a new platform to more desirable mobilize their personnel, with new apps that do not require a heavy desktop," Langlois talked about.

as an example, with the mobile help, corporate builders can enhance their purposes with the skill to access the iPad's GPS and digicam capabilities. developers can additionally use present Domino functions to work both offline or on-line, regardless of their vicinity, and sidestep the aggravation of lost connectivity.

IBM's emphasis on the Domino platform's software construction capabilities is a nod to a developer's expanded need to create purposes that work across both on-premises and cloud environments, spoke of Andrew Manby, director of product administration for IBM's Domino portfolio.

Domino edition 10 works with JavaScript, so developers can combine and build new functions the use of Domino records, in addition to any purchasable rest APIs that live on a full net-based software stack.

[IBM] has pitched [Domino] as a mail platform, but it surely is a much better app-dev platform. they are going to position it now as a low-code building environment, which it all the time changed into, method earlier than MongoDB and Docker. Fabrice LangloisIT equipment architect, Teradyne

developers can also combine functions with any Node.js ambiance the usage of the DominoDB NPM kit, Domino AppDev Pack and a high-pace gRPC protocol. additionally, IBM has introduced the Domino question Language to aid a local Node.js programming mannequin that is purchasable from the Domino command line or any Domino API.

"when it comes to their future vision, they appreciate that people wish to do full-stack building, however they additionally are looking to do all the different stuff they have been doing for the reason that 1989," Manby talked about. "here is to claim they want to build and put in force purposes right now. there is an incredible area for us now round low code to do exactly that -- whatever they have been doing for decades."

Teradyne's Langlois is heartened with the aid of the broader compatibility with other languages and systems, as well as IBM's dedication to advertise that energy.

"They [IBM] have pitched it as a mail platform, however it is a stronger app-dev platform," Langlois spoke of. "they're going to position it now as a low-code construction ambiance, which it always turned into, method earlier than MongoDB and Docker."

Domino's future performs in AI, laptop gaining knowledge of

In October 2017, IBM and HCL technologies entered into an extended-term deal whereby HCL applied sciences would largely set the technical route of the Domino portfolio, and IBM would lead revenue and marketing.

"The neatest thing to happen to the platform in 10 years is IBM handing over development of the platform and [moving it] to HCL developers," Langlois mentioned.

In 1995, IBM bought Lotus building Corp., the inventors of Notes, for on the time a whopping $3.5 billion. Joint sales efforts of IBM and Lotus made it the main e-mail and collaboration product in the marketplace. huge Blue eventually renamed the server element Domino and retained the Notes company for the client only. Over time, besides the fact that children, Microsoft's alternate server and Outlook took off, while Domino's fortunes flickered.

Domino version 10 doesn't focus a good deal on AI and laptop discovering capabilities, however IBM's Manby noted he sees a couple of makes use of for these technologies in later types, corresponding to to assist Domino builders build a variety of advice repositories for assist situations.

"it will be very effortless thing for us to add AI and cognitive for looking data, specially due to the fact that they brought JavaScript, and additionally how Domino works with [IBM] Connections and different ingredients of the Watson portfolio," he noted.

How Hatboro-Horsham faculties used PARIS application to be greater efficient | Real Questions and Pass4sure dumps

Like many school districts in the region, Hatboro-Horsham is trying to do more with much less.

during this case, the district's superintendent asked his workforce to reach some proof-primarily based conclusions about its special-training spending. whereas the query turned into easy, the college's tech and finance teams rapidly realized that the facts they mandatory to answer had been scattered across distinctive spreadsheets and web sites.

What would have taken hours now can also be completed in minutes. The faculty gadget relies on Doylestown-based PARIS applied sciences' PowerOLAP to immediately link diverse Excel info with different sources to assemble a unified records set for analysis.

happily, the district realized that its spending to place particular-needs students in really expert amenities become below typical.

however the district might superior measure particular-ed teacher revenue prices and make better selections on hiring in-condo vs. contracting out. It also developed an early warning device for college kids that took into consideration their classification (talented, standard, or economically disadvantaged), grades, attendance, and disciplinary list.

"we're capable of be proactive in proposing services to students in need of aid," observed Marc Greenberg, director of software applications and data management.

Hatboro-Horsham, with about 5,000 students, can pay a maintenance fee of $25,000 per year (except building fees) for an commercial enterprise server answer to make use of PowerOLAP. The district gets practicing and technical support, in addition to ordinary upgrades. present pricing for the same system tiers from $600 to $1,000 per consumer.

"It in fact has helped us make more advantageous selections," noted Hatboro-Horsham's director of company affairs, Robert Reichert. "it's saved a ton of time in terms of gathering statistics and advice to make those selections."

PARIS technologies' founder and CEO, Duane Presti, began his career at what is now the drugmaker Bristol-Myers Squibb. He mentioned he became some of the first to undertake technologies such because the workstation and Lotus spreadsheets and shortly realized there was a need to support companies connect the information they hold siloed in different departments.

Presti headquartered PARIS in 1996 to aid consumers make experience of the information they collect. The company, which competes with Microsoft's SQL Server evaluation functions, IBM's TM1, and Oracle's Essbase, referred to it has 35 personnel, and has offered PowerOLAP to 1,025 companies, yielding about 12,000 users worldwide. About forty % of income are overseas.

up to now, PARIS counts primary organizations akin to McDonald's, Starbucks, Ferrari, DHL, and Toshiba as valued clientele. however a key focal point for the company is still midsized purchasers just like the Hatboro-Horsham district and Florida-primarily based Ion Media Networks.

Mandy Chan, Ion's vice chairman of functions, has worked with PARIS because 2001. Ion operates greater than 60 tv stations across the country and desired to see if the cash for a particular web page became getting used optimally to generate earnings. PowerOLAP enabled Ion to tally its performance by using market. From this photo, Ion changed into in a position to shift elements from inefficient stations to greater efficient ones and store a whole lot of thousands of greenbacks.

sooner or later, Chan hopes to installation PowerOLAP to gain knowledge of if the business is pricing its promoting effectively. "analyzing greater than just financial counsel but things like scores and ad charges will support us greatly," she noted.

Presti spoke of superior counsel is essential to good administration. "it be a large deal to the people who're in fact doing the evaluation," he spoke of. "We additionally need to provide administration the most reliable counsel they could ought to be competitive."

tuition of Pennsylvania professor Ryan Baker, who stories the role that information management and analysis play in enhancing pupil effects, agreed that more faculty districts should still be using records to make the form of choices Hatboro-Horsham is grappling with.

"there may be a great deal to be won, particularly for at-possibility college students and special-wants students with these analysis concepts," he talked about.

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Apple's Macintosh has pressured the world to exchange for 30 years | Real Questions and Pass4sure dumps



Thirty years ago these days, Steve Jobs introduced the new Macintosh own computing device to a room of Apple investors. The machine has maintained its have an impact on upon the world ever on account that, despite at all times morphing into new varieties while detractors voiced their disapproval. A legendary launch

while met with excited applause from Apple's shareholders, the brand new Macintosh in 1984 pretty much flopped. It changed into top class priced and arrived devoid of an immense library of application in a position to taking skills of its unique points. moreover, the novel rethinking of private computing that the Macintosh brought made it elaborate for many current software builders to enthusiastically embody the new platform.

Apple's Macintosh additionally originally refused to emulate existing DOS or Apple II application, a mindful decision made by way of Apple to drive builders to create truly new classes for it, instead of simply fundamental ports of their existing, non-graphical software. amongst Apple's critics, this was quite simply an arrogant failure to appreciate the reputation quo.

the advent of the Macintosh wasn't a shock; it became definitely two years at the back of its initially anticipated ship date. Apple had hoped to ship the Macintosh with the aid of 1982. The tech world had already gotten a style of the graphical computer from Apple's Lisa computer, but Macintosh become expected to deliver an identical sophistication at a extra economical fee.

Critics widespread with the popularity quo hated the Macintosh and its new mouse, in spite of the fact that it turned into glaring to any one uncovered to the novel new ideas conceived inside Xerox's Palo Alto research middle that graphical computing and physical movement gestures articulated with a handheld "mouse" gadget were going to be the long run interface of the own desktop.

With the Macintosh, Apple not handiest vital to control the entire enterprise operations required to promote very own computing systems, however additionally needed to persuade the well-known public why they may still pay a top rate to profit entry to the next era of expertise, in place of being content to buy more low-priced, however less refined and extra poorly built-in commodity products.

application Sells methods

Steve Jobs, who had taken over Apple's Macintosh team and pushed its builders to create an "insanely top notch" laptop that ambitiously pushed the expertise envelope, became no longer best micromanaging the brand new laptop but also in the hunt for to evangelize the construction of custom, third birthday celebration Mac utility to ensure that new patrons could find adequate native content material to confidently soar to the brand new platform.

probably the most first utility businesses to work intently with Apple to increase new Mac titles was Microsoft. regardless of having centered itself in an uncontested Robber Baron position as IBM's licensor of MS-DOS, Microsoft become struggling to promote productiveness application for IBM's DOS laptop, a market the place Lotus 1-2-3 and word ideal proved to be difficult opponents.

both Lotus and WordPerfect did not carry ports their computing device software for the launch of Apple's Macintosh, giving Microsoft little competition for its Bravo-based mostly be aware processor developed at Xerox PARC and rebranded as "note," or the business's clone of VisiCalc rebranded as "Excel."

Microsoft loved such a close affiliation with Apple on the construction of the Macintosh that it enabled the software company to copy Apple's Macintosh's novel computing device with a tough approximation product for DOS PCs it named home windows 1.0.

Microsoft had promised not to steal Apple's technology and port it to IBM's pc earlier than the free up of the Mac, however that promise was contractually tied to the Mac's long-established ship date. because the Mac shipped later than expected, Microsoft might technically claim that it wasn't breaking its contract when it demonstrated windows 1.0 for DOS in 1983.

it might ultimately take Microsoft an extra ten years earlier than its windows product evolved into edition deemed a priceless competitor to the Mac by means of the laptop buying market. That arrival became also supported through a fortunate, arbitrary courtroom determination that granted Microsoft unfettered access to acceptable essentially all of Apple's expertise without paying for any of it.

Macintosh's decade of decline and the subsequent step

After a slow birth, Apple's Macintosh fortunes begun to turn round after clients found out a helpful, enjoyable application of the brand new machine: laptop publishing. After making a nearly lethal deal with Microsoft related to productivity application, Jobs coordinated the construction of the laser printer, Adobe's new PostScript web page description language additionally originating at Xerox PARC, and computing device publishing software that tied the two collectively (and to the Macintosh) from Aldus.

earlier than Jobs could see the entire impact of the new computing device publishing trade building around the Macintosh, he was pushed to go away Apple in 1986 to increase what he felt become the subsequent obvious soar in computing. Jobs' new business, subsequent computing device, used Adobe's PostScript as its native display language and built an advanced framework of construction tools designed to ease the introduction of Mac-like (or more suitable than Mac-like) apps.

next changed into additionally in line with a groundwork appropriate with AT&T's UNIX, but rewritten at the school of California, Berkeley. The Macintosh had been written from scratch in low stage code that lacked the technical computing sophistication accessible on better powered (and greater costly) workstations running a "true" operating system.

subsequent had crisis escaping Apple's environment, working into court cases that confined the business to a spot viewers. lower back at Apple, the Macintosh languished with its weak operating equipment and limited development tools. regardless of a collection of efforts to pair its Macintosh consumer interface with Unix or Unix-like working programs, Apple unexpectedly fell into irrelevance as Microsoft all started to define the state of the artwork in own computing.

Mac + subsequent = OS X

with the aid of 1996, Apple became abruptly losing money besides being eclipsed by using Microsoft windows. within the very closing days of the year, the company decided to purchase Jobs' subsequent and use its technology as the foundation for a new platform that promised to push the Macintosh environment ahead into the long run: OS X. Critics complained that the reputation quo of windows did not want any competitors, nor might ever successively be competed towards.

lower back at Apple after the next acquisition, Jobs reinvented the enterprise, refocused upon growing brilliant, totally built-in computing machines rather than the commodity notebook-like items that pundits had always insisted Apple build.

the new Apple launched a sequence of novel client items beginning with iMac. The enterprise also presciently invested in mobile computing and mobile instruments, making a development legacy and market place that placed it to leap upon the emerging smartphone market in its infancy.

OS X begets iOS

whereas everybody else in the smartphone enterprise changed into fixated upon the use of low powered, button-oriented hardware, Apple leapt forward of the market by cutting down the Mac's OS X, running it upon cell hardware with unheard of ranges of computing energy and storage ability.

Critics failed to approve of this strategy, insisting even to at the present time that Apple should still definitely be concentrated on pumping out inexpensive, low end hardware, curiously oblivious to the undeniable fact that Apple has been inhaling the majority of the mobile hardware industry's gains ever due to the fact the iPhone regarded seven years in the past.

eventually dubbed iOS, the iPhone's new mobile firmware delivered the identical sophisticated working device and simple to use building tools Apple had used to win returned home windows clients to its Mac computers over the 2000s. This maintained Apple's universal product approach as being consistent considering the fact that the creation of the Macintosh, superior with the re-injection of Jobs' affect at the acquisition of next.

by way of 2010, Apple had based its new iPhone as a good higher and more crucial platform than its Mac notebooks and desktop systems. That identical yr, the company launched iPad as an easy to use, general computing equipment that delivered a great deal of the vigor of a generic aim workstation however devoid of the safety considerations or baffling complexity.

almost immediately, the brand new iPad eclipsed Apple's Mac earnings, attractive to a a whole lot higher audience just because the iPhone had before it within the really expert function of a smartphone. however, the iPhone and iPad each owed their success to the legacy of OS X, which in turn constructed upon each the Macintosh philosophy and subsequent technology.

future of the Mac

on the identical time, Apple continues to enhance and boost Mac products, suggested with the aid of the tempo of parallel iOS building. Apple lately launched its Mac pro, a product that not most effective literally thinks outdoor the container, however additionally revamps the simple structure of the typical notebook to more desirable leverage the computing energy of very effective chips designed to speed up snap shots operations.

Apple's strategy to advancing the very structure of computing device computing by means of specializing in GPUs was a movement presaged in its construction of Open CL and a decade of labor making a consumer interface established on a compositing graphics engine. Apple beat Microsoft to enhance graphics on the computing device by 6 years, and Google's Android in a similar way failed to catch up with iOS for pretty much half a decade.

Critics accuse Apple of "falling to innovate," however consistently fail to admire essential improvements that went on to disrupt the fame quo and materially shift the industry, expertise and even society in ways that don't seem to be precisely impossible to foretell. for example, none of Apple's critics even seem to understand how crucial the company's GPU-centric method has been to Apple's success with OS X and iOS during the last decade.

Apple has also persevered to develop its cell computing prowess with the aid of eschewing ostensibly core aspects of the pc to deliver systems that are comparatively smarter and greater competent. Macs have take cues from iOS devices, increasingly working to shed relocating materials akin to magnetic disc and optical drives for strong state memory as a way to enhance battery life. Detractors query why Apple is eliminating any hardware they are regular with, once again failing to bear in mind what innovation basically capacity.

Apple has already signaled that it plans to focal point on car computing with its "iOS in the automobile" initiative. The enterprise is also prone to enter the domestic automation market, doubtlessly turning the home desktop right into a computing home.

by no means before has Apple had extra capital to make investments, greater technology to strengthen, extra consumers to provider, greater developers to have an effect on or extra brand capital to leverage in building the subsequent incredible bounce in computing. Apple's subsequent ten years of setting up the Mac philosophy with subsequent technology should be more pleasing than its ultimate 30.

The most effective element they recognize for certain about Apple's future is that there can be a lot of critics upset about every change the enterprise introduces, at least unless those shifts are at last adopted by using the rest of the industry.

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2 - Miami's Most Wanted CarThe McLaren MP4-12C at the New World Symphony

New to most, familiar to some, McLaren Automotive enters the sports car ranks as a motorsports veteran. Compared to Ferrari or Porsche, the British firm is inexperienced as a production car brand, but based on the survival-of-the-fittest rigor of the racetrack, it could soon top the class. Since McLaren’s Formula 1 debut in 1966, and especially since executive chairman Ron Dennis joined the team in 1980, this UK-based company has introduced many technical innovations that stretch the imagination. Its steady presence in the top echelons of racing has shown such a mastery of challenges in design, mechanics and electronics as to border on the artistic. And the path to that art is science, precision, insight and thoroughness—all traits that reflect both Dennis and the company in equal measure. Eight Formula 1 Constructors’ Championships and 12 Championships for McLaren’s drivers do not lie.

Through Formula 1, McLaren pioneered the use of carbon fiber, which allowed it to perfect the process and production that continue today. The McLaren most familiar to sports car fans outside of racing is the threeseat, all-carbon-fiber monocoque-chassis, $1 million-plus McLaren F1 exotic car, which took the automotive press by storm in 1993 and achieved 240 mph with the rev limiter disengaged on its BMW-sourced powerplant. Also, the Mercedes-Benz SLR McLaren (2003 to ’09) was a joint venture between McLaren and its Formula 1 engine supplier, Mercedes-Benz. With those two limitedproduction cars under its belt, McLaren is now introducing a new exotic sports car designed solely in-house (including the engine), intended to challenge the exotic sports car establishment of Ferrari, Porsche and any others who care to join the party.

From Raceway to RoadwayThere will be only nine dealerships carrying McLaren’s new model in the entire US, including Coral Gables’ The Collection. That the dealership also carries Ferrari, Porsche, Maserati and Aston Martin speaks clearly about the brand’s commercial potential.

MP4-12C—the car’s actual name—is literally the only thing about it that may seem inelegant. McLaren doesn’t sway with prevailing technical or design winds in Formula 1, and continues that pattern with the 12C. A highly sophisticated and thoughtful suspension eschews conventional devices like anti-roll bars. The turbocharged V8 engine with 3.8-liter capacity is smaller than all competitors, yet cranks out towering oomph (592 horsepower), while the engine’s trim external size and low placement in the chassis result in a low center of gravity, benefiting handling and braking. An active airbrake improves not just heavy braking itself from high speeds, but stability under such conditions—a design demonstrating McLaren’s winning thinking for production sports car success. If one makes top performance easily attainable and livable, then anyone can feel like Mario Andretti.

The 12C’s performance specs are stellar, even in this rarefied class of exotica: a top speed of 205 mph; acceleration from zero to 60 mph in just 3.0 seconds with the optional tires (quicker official figures than for Ferrari’s 458 Italia) and braking ability from 62 mph to a dead stop in just 100 feet.

Given all those impressive car-geek numbers, you still drive the car as a totality, and that’s where McLaren has focused much of its energy. The overarching goal with the MP4-12C was to produce a true no-compromise, top-performance sports car. That meant eradicating the typical exotic car’s kidney-punching stiff ride by replacing anti-roll bars with smart, instantly adjusting interconnected shocks that result in a good ride quality in normal traffic; McLaren easily solved that problem with a bit of technology and unconventional thinking.

Price in this segment is not necessarily important vis-a-vis the competition, but it is nonetheless impressive. The McLaren will cost $231,400 upon launch this late October, whereas the Ferrari 458 Italia, its most direct competitor, stickers at $230,675. Not Mini money, but not Mini performance, style or exclusivity, either.

1 - Miami's Most Wanted CarHas McLaren achieved its product goals? Preliminary impressions from the most discriminating automotive journalists range from “yup” to “how much can I get for my nonessential body parts?” McLaren’s biggest challenge lies perhaps not in the car itself, but in how the company introduces the car to the market and subsequently builds a sales network. The occasional “if you build it, will they come?” industry conundrum most certainly applies here.

“McLaren had a lot of success from the F1 road car in the late ’90s, and learned a lot from Mercedes about production,” says Tony Joseph, director of McLaren Automotive North America. Joseph has experience in this field, with stints at both Ferrari and Porsche prior to assembling McLaren’s US operation. “However, McLaren never needed to build its own distribution network, so setting up an infrastructure has been a ground-up project.” Joseph is keen on this approach and says that by beginning with a clean sheet—not just in design, but in sales, marketing and distribution—McLaren can pick and choose priorities and avoid pitfalls learned from other manufacturers.

Track to the Future“It’s very rare to have a new model in this segment, let alone a new company, and we’re very excited to help establish McLaren,” says Ken Gorin, president and CEO of The Collection. Gorin’s decision to rep McLaren was an important one that necessitated an understanding of the brand’s intentions, which he illustrates with an example: “We gave back the Lotus brand because it wasn’t performing the way it should have; Lotus wasn’t doing something markedly different from its competition,” confides Gorin. “But McLaren’s focus is very clear, and they look forward to the differentiation. The Collection is fueled by new models, and the McLaren launch is exciting from that standpoint alone. This business is also about choice, and they do well by their customers by offering choices.” McLaren Automotive executive chairman Ron Dennis likens the brand’s launch to a strenuous yet rewarding ascent to a mountain summit. “It’s a steep and difficult climb to where they want to get to. As with any climb, you have to have the right equipment. You have to have the right training. They have every intention of making it and hitting their definition of the summit, which is a successful sports car brand. It’s the foundation for the future of McLaren.”

With the history of success, racing acumen, technical and design depth and a winning dealer network in place, could the top of the class be far away?

LO Training, Lender Products; State-Level Changes | real questions and Pass4sure dumps

Plenty of folks are moving to Florida, where I am today for a VA Conference. Do property taxes matter? Sure they do. Enough to move to an entirely different state?  This article says, “Apparently.” Experts say that jobs are the most important determinant of where home buyers will locate. After that, state and local taxes matter in areas that are seeing strong population inflows anyway. Among the counties that saw the biggest percentage of in-migration in 2017, according to Census data, all are in Texas, Florida, Georgia, or the Carolinas. (Texas’ property taxes aren’t low, but it has no personal income tax, making the overall tax burden much more manageable.) Lots more state stuff below.

State-level Changes and Lender State Changes

Texas has amended 7 TAC Chapter 153 Home Equity Lending. Key changes include: The current three percent fee limitation has been replaced with a two percent fee limitation. The revisions clarify that the fees included in the limitation calculation do not include certain third-party charges such as appraisal fees, property survey fees, lender’s title insurance premium and title report fees. The current prohibition on home equity loan for agricultural property has been removed. Certain subsidies of depository institutions have been added to the list of lenders permitted to make home equity loans. A home equity loan is now allowed to be refinanced into a non-home equity loan if four conditions are met: one-year timing limitation for refinance, limitation on advance of additional funds, may not be more than 80% LTV, required 12-day disclosure to property owner providing information concerning consumer protections that may be lost by a refinance into a non-home equity loan. The revisions outline changes to the required 12-day consumer disclosure to conform to new requirements. The current 50% limitation on additional debits or advances for a home equity line of credit has been removed.

South Dakota has enacted provisions regarding notifications relating to system security breaches where personal or protected information has been or may have been acquired by an unauthorized person. Personal information includes a person’s name in combination with other assigned identification numbers such as a social security number, driver’s license number, employee number or credit card number. Protected information includes a user name or email address in addition to a password or security question answer or other information that permits access to an online account; and an account number in addition to a security or access code that permits access to a financial account.

Florida has recently enacted House Bill 935, regarding business purpose mortgage loans. The updated provisions are effective as of July 1, 2018. The crux of this update is a new provision stating that, under Florida law, it is unlawful for any person in a mortgage loan transaction to misrepresent a residential mortgage loan as a business purpose loan. A “business purpose loan” is a mortgage loan in which the borrower intends to use the proceeds primarily for a business purpose, rather than a personal, family, or household purpose. A common example of a business purpose loan is the purchase of a non-owner-occupied investment property. An example of the type of fraud that this update is targeting is the situation where a borrower’s income is too low to qualify for a mortgage to purchase a primary residence. A borrower may decide to fraudulently apply for a mortgage to purchase the home as an investment property, so that he or she may use rental income to qualify for the loan.

Indiana amended provisions relating to notarial acts through Senate Bill 372. Provisions in this bill range from being effective immediately to being effective on July 1, 2019. Many of the amendments make technical changes to the standard language and definitions as they relate to notarial acts. There are also new provisions in Senate Bill 372 that specify requirements for remote notarial acts.

Capital Markets

Rates stayed relatively flat yesterday after a shaky Friday on Wall Street, mostly due to the lack of any meaningful economic releases. The largest news of note was the Congressional Budget Office releasing its latest Budget and Economic Outlook, which projected a slowdown in real GDP over the next two and a half years. The budget deficit is expected to grow substantially over the next few years. This comes as China is reportedly looking into yuan devaluation as one of a litany of potential responses to tariffs. In mortgage-related news, private mortgage insurers saw their stocks take a pounding yesterday following MGIC's decision to cut premiums citing benefits from lower corporate taxes.

We’ve already had the March NFIB Small Business Optimism this morning, reversing sharply. We’ve also had the March PPI (+.3%, strong) and core PPI (+.4%), of which both were expected to remain at 0.2% like their previous readings. They then have Redbook Same-Store Sales (previously 0.4% MoM and 4.4% YoY) before February Wholesale Inventories at 10am ET, where the consensus is a rise to 1.1% from the prior 0.8% reading. The only other news of note are a $30 billion 3-yr note auction, and remarks by Dallas Fed President Robert Kaplan & Atlanta's Fed President Bostic. They start Tuesday with agency MBS prices -.125 versus last night’s close and the 10-year yielding 2.80%.


LO Events and Training

Mortgage Professionals Academy is interested in teaching your employees their Continuing Education for 2018; offering live classes for mortgage Continuing Education and Pre-Licensing. “If you are a manager, owner, broker, AE., compliance officer or office manager who is hoping to have us come to your office to teach your employees, please reach out to us for a competitive bid.  We offer a live, classroom setting in lieu of online learning, and in one day. They are flexible and can teach half day or evening classes. If you are interested, reach out to Corey Moser (800-746-1961). They have a 5-Star Rating from their students.”

Todd Duncan and High Trust are pleased to announce Sales Mastery 2018. Over 60,000 Loan Originators and Leaders have made Sales Mastery their trusted source for information to keep them on the leading edge. This 4-day event will be held in San Diego, California at the Marriott Marquis San Diego Marina on October 10-13th, 2018. Click here for more information. Success in sales has everything to do with keeping personal priorities. If your numbers are stale, it may just be a matter of trust. Sales Mastery 2017 is focused on bringing you fresh ideas, easy to implement strategies, and innovative training from the most unique, standout influencers and experts in the industry. Also, if you lead others and want to take your leadership skills to the next level, Todd has just released a free resource entitled, 5 Character Traits of Lousy Sales Leaders. You can download it here.

(By the way, yesterday’s commentary noted that The North Carolina Bankers Association is hosting the American Mortgage Conference on May 1-2. The location is in Pinehurst – no change; for out-of-towners Raleigh is the likely airport to use.)


Jobs and Products

“Act Presidential, everybody, you are representing Stearns! The 2018 Stearns Wholesale President’s Club Winner’s positive attitude, hard work and an unstoppable spirit have helped countless buyers achieve the American dream, while helping brokers grow their businesses. Positive attitude and recognition are great, but they thought a trip to Hyatt Ziva in Cabo San Lucas would be even better. All of their award-winning Account Executives and Operations team members are headed to the beach tomorrow for a fabulous and well-deserved vacation. Watch out Cabo…here they come! Want to be a part of their fun? Email to learn more about Stearns.”

A very happy birthday to Mortgage Network, which is celebrating—holy cow—it’s 30th year in business! Over the past several decades, Mortgage Network has expanded from its New England roots and is now licensed in 27 states with more than 400 employees in over 40 branch offices. EVP Brian Koss attributes the company’s longevity to its vibrant sales culture, a “bend over backward” customer approach and a focus on technology. The company took the forward-thinking step of building its own technology platform, which lets borrowers start the mortgage process online while helping loan officers deliver an incredible, more efficient experience. “We’ve always done things differently here,” Koss says. “Because we’re privately owned, they call their own shots and cut through red tape for their clients.” Customer surveys have found 98% of Mortgage Network borrowers would recommend the lender to their family or friends, so the company is doing something right. And management is hiring!

Trying to keep everyone on the same page sometimes feels a bit like herding cats, especially if you have multiple branches, multiple operations centers, and distributed staff. Staying compliant and sticking to procedures can be hard without the right tools to support you. Here’s a little help to ensure your teams stay informed, have access to the most current job aides and other corporate resources, and follow consistent simple-to-use workflows. “The Hub” promises all of this, comes pre-configured with lots of mortgage-specific resources and workflows, and you can add your own within minutes. You might be surprised at how much of a unifying effect these simple-to-use tools can have on your scattered staff. The Hub is offering a free 15-day trial and they’ll waive your setup fee if you sign up before April 15th.  More at

The online loan trading platforms come up in conversations everywhere, with Resitrader appearing to be the leader in driving us to a market trading platform.  We hear about adoption from both buyers and sellers who reference “the marketplace,” and what they mean is online trading.  Maybe it’s time they start monitoring the whole loan volumes driven through platforms versus email.

“HomeScout – HBM knows that loan officers have got better things to do than managing traditional email and digital marketing campaigns and chasing dead end leads. In a recent survey, OutboundEngine found that over 31% of loan officers purchased leads, with many spending more than $500 a month, and average conversion rates between 2-4% without critical conversion processes. HBM has a proven 22-year history of drastically increasing lead conversion, making HomeScout the must have app for all lenders and agents looking to grow their business. Our consumer & realtor referral platform is an affordable lead conversion solution, and perfect for any lender or branch, regardless of size. For more information or to schedule a demo, reach out HERE or give us a call at 952-831-0623. You can also schedule an appointment with us at the MBA Technology Solutions Conference, in Detroit, MI April 15-18 and stop by their booth #318.”

Fundingshield, one of the fastest growing fintech firms in the risk, wire fraud and closing vendor compliance in the mortgage lending space, is pleased to share rapid growth in 2018 with a multiple increase in lender clients on its platform in the last 6 months. This includes several recently on-boarded household name banks using their loan transaction level services that have the market leading track record of over $530 Billion in verified mortgage closings with no losses, no claims and no delayed closings. “We are glad to see mortgage lenders approving and embracing their plug-n-play and pay per loan cloud-based solutions, especially the wire fraud services,” shared Ike Suri, Chairman & CEO. Fundingshield will be on two MBA Technology Solutions Conference panels in Detroit: Cyber Security: Learning From Previous Cyber Attacks and Residential Closing Session: A Conversation About Collaborative Opportunities where William Klumper, Senior Advisor of Fundingshield and Vice Chairman of MISMO, will be speaking alongside Blend, Arraya Solutions and a top 10 global law firm Jones Day.

Congrats to Mary Porges who is retiring this week after a stellar 35-year career at GE Capital (now Genworth), Chase and National MI!

And to Michelle Gill whom SoFi has named as its new Chief Financial Officer (CFO). Gill comes to SoFi from TPG Sixth Street Partners, a credit firm, but prior to that was with Goldman Sachs doing mortgage securitizations.


Lotus position: ABS a “happy Notes camper” | real questions and Pass4sure dumps

blog They couldn’t help but laugh when they read this excellent interview with Australian Bureau of Statistics chief information officer Patrick Hadley, describing the agency’s ongoing commitment to IBM’s Lotus Notes/Domino platform as part of its recently released and wide-ranging ICT strategy (PDF here). iTNews quotes Hadley (we recommend you click here for the full article):

“We have Notes programming skills in their team. They are very smart and very technologically literate,” he said. “We are a happy Notes camper.”

Now, if you examine the ABS’ ICT strategy (which they plan to go into in a great deal more detail at a future date), you’ll find the organisation is not just using Notes as a stand-alone collaboration environment; it’s actually using the complete suite, ranging from Lotus Notes 8.5.3 Mail and Calendar, SameTime for instant messaging, Connections for “social/business networking”, Work Group Databases for collaboration and knowledge management, Lotus Live and Quickr (“external collaboration”) and Lotus iNotes and Traveler Mail and Calendar via web. In short, Notes is highly entrenched at the ABS and it would be a complete platform overhaul to get it out and replace it with Microsoft Outlook/Exchange in one of its several iterations.

However, they can’t help but suspect that while Hadley might be a “happy Notes camper”, not everyone at the ABS will be. It’s hard to imagine that junior staff entering the workforce after using Gmail, Yahoo Mail or any of Microsoft’s Windows Live options in their private lives will be happy being force-fed Notes at work, and they imagine the same will be true for senior executives at the ABS, who would no doubt prefer the agency shift to the standardised Outlook/Exchange ecosystem which most people are familiar with. In fact, that’s precisely what’s happening at Hadley’s old outfit, the Department of Human Services (he joined the ABS in February this year). Will the ABS still be using Notes in five years or more? Only time will tell. In any case, I am sure Microsoft and Google have already marked the agency down on their ‘high-priority’ sales target lists.

Image credit: Aidy Spencer, Creative Commons

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