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every March, Silicon Valley heads into convention season. Tech behemoths like Google, fb, Intel and Nvidia welcome thousands of developers to their tech showcases — always with a deep center of attention on synthetic intelligence. nowadays it become Apple’s turn to unveil new machine discovering tools and software at its 2018 worldwide builders conference (WWDC), which runs June 4–eight on the McEnery conference middle in San Jose, California.
Apple introduced Create ML, a new desktop studying tool that allows builders to quite simply import customized records and create desktop vision and natural language AI fashions on the macOS.
“Create ML is designed to allow you to educate with out being a laptop researching expert,” talked about Craig Federighi, Apple Senior vice chairman of software Engineering.
Create ML is developed on Swift, Apple’s widely wide-spread-aim programming language for its operating methods and Linux. builders can use the Xcode Playgrounds UI to train models by way of readily dragging practising statistics right into a default mannequin builder.
Create ML hurries up model training on exterior GPUs. during the past, Mac users might simplest run AI practising with in-desktop Intel CPUs and GPUs or by way of renting computational vigor from cloud carrier providers akin to AWS or Google Cloud. closing week, Apple officially brought help for exterior GPUs to macOS, powering computation in video games, video modifying, and AI processing.
Apple’s steel 2, a know-how released remaining 12 months to optimize efficiency, snap shots and computation for GPUs, can additionally speed up neural network working towards on macOS.
With Create ML, developers can retailer colossal time on practicing AI models. Federighi says the practising time of an object detection model in accordance with a 20,000-graphic dataset is decreased from 24 hours to just 48 minutes on MacBook seasoned.
It’s now not handiest Apple, different tech giants are additionally striving to simplify developers’ entry into the world of AI. Microsoft’s custom vision and Google’s AutoML can additionally create refined models with minimal effort and skills.
Core ML 2
remaining year, Apple released Core ML, a expertise for prime efficiency on-equipment computing device discovering applied to Apple items reminiscent of Siri, digital camera, and QuickType. Core ML helps developers integrate disparate laptop discovering fashions into apps. It supports extensive deep getting to know models with 30+ layers, together with average tree ensembles, SVMs, and generalized linear models.
nowadays, Apple released Core ML 2, a more robust-then-ever new release that may procedure 30 percent sooner using batch prediction, and reduce model measurement through 75 percent using quantization.
Apple’s expanding Ambitions in AI
not like lots of its Silicon Valley neighbors, Apple is a relative latecomer in this field. Apple’s researchers had not launched any computer studying papers unless late 2016, and its sensible speaker HomePod which went on sale this January is experiencing sluggish income.
In a bid to catch up, Apple poached Google Search and artificial Intelligence head John Giannandrea in April to guide its desktop discovering and AI strategy efforts.
Apple nowadays introduced main updates for Siri, including ShortCut, a function that makes it possible for iOS users to create custom Siri voice commands for third-party apps integration. When ordering espresso at Starbucks as an instance, a person can preset a voice command for “a grande ice latte with soy milk and one sugar” and simply voice set off with the note “latte.”
whereas Amazon Alexa and Google Assistant are main the wise assistant battle within the US, Siri’s ShortCut is a smart, practical and economical stream via Apple that builds on its specialty within the cell ecosystem to explore the competencies of voice commands.
Apple is additionally investing in the autonomous vehicle market. final month the business registered 55 self-using automobiles with the California department of Motor cars, which makes it the state’s second greatest such fleet.
Apple has about 20 million developers on its AppStore, which has develop into the world’s greatest app market with a staggering 500 million guests per week. developers obviously respect Apple simplifying the transfer of AI facets into prevalent purposes. Apple may well be trailing within the AI race nevertheless it has the components to close the space instantly.
although I’ve been supporting Macs considering that they came out in 1984 (when i was in high school), I haven’t obtained any “formal” practising. It has in most cases been researching by way of doing, analyzing the occasional ebook and now of direction, TheAppleBlog. Does formal certification truly make a difference as a technician? You inform me.commercial
lately I got into an argument with a dealer that come what may concept a technician who first began repairing Macs sixth months in the past trumped my 25 years event. Did certification make this person a stronger technician? Having achieved rather somewhat of hiring myself, I’ve too regularly discovered that certification most effective verifies your capability to take a examine and may now not have bearing in the real world.
Now that the market has changed and everyone appears to be competing for scarce supplies, perhaps a certification would be an additional facet? What’s the business method for independent Mac technicians looking greater? The answer took loads of analysis — even Apple wasn’t able to answer my questions — so gain knowledge of from my event.
credit goes to both Brian better of BestMacs and Doug Hanley of MacTEK training, because devoid of them I wouldn’t be aware the alphabet soup of ACSP, ACMT, ACTC, ACSA, AASP, ACN and more. Didn’t all of us become Mac users to stay away from mysterious terms? As lots of you comprehend, the convenience of the Apple consumer interface is equalled most effective by way of the frustration of making an attempt to take note Apple’s certifications courses. identifying this course was a great deal more durable than any video game I’ve ever performed, however a “video game” could be the foremost metaphor to explain the method.The video game
You begin the “game” as a familiar Mac consumer. The three worlds you’ll generally see within the online game are IT, pro Apps, and sales. As an IT grownup probably you have advantage, possibly you don’t. Nothing stops you from with no trouble repairing Macs on your own, unless you do things that chiefly void the assurance and you get caught doing so. You wouldn't have permission per se from Apple to work on Macs. Many folks are happy at this stage collecting coins separately, but that you could’t proceed any additional unless you get a certification — the key that unlocks the subsequent level within the game.
the primary certification most go for is Apple certified guide expert (ACSP) which was called an Apple certified aid Desk expert (ACHDS). This certifies your capacity to remember the working device and is earned according to the OS version. therefore, you're an Apple certified support expert in 10.5 (or soon 10.6). each and every OS requires certification, but your certification does not expire. for this reason, when you are a ACHDS in 10.3, you can name your self licensed devoid of understanding 10.5 in any respect. Your can take the examine with out practicing (many do), self-examine by way of substances from Peachpit, or attend an instructor-lead route at an Apple licensed training center (AATC). MacTek is a kind of facilities. You’ll take the verify at a Prometric trying out core and pay around $200. The verify takes about ninety minutes or so and also you get the effects immediately.Apple Consultants community
whereas certification is the capacity, the end you may well be reaching for is the capability to be part of the Apple Consultants network (ACN). joining the ACN requires any Apple certification, such as the ACSP mentioned above, or any variety of different certifications (described beneath, although one supply says now not all certifications are legitimate, so pay attention). retaining with the video online game analogy, the ACN is like an entire new enviornment of the video video game you are looking to explore, but the boss that ought to be defeated first is Apple, and your weapon is a certification!
After getting a certification that you could then follow to be part of the ACN. The utility charge is $60 and the precise payment to join is $395 as a sole proprietor. the whole requirements are here. You’ll get loads of benefits akin to product coupon codes as well as the capability to network with different Macintosh consultants. As an ACN, Apple shop employees may hand out your card to shoppers in the shop. Now your company can in reality extend as every Apple save customer is a potential consumer for you.
ACN membership is terrific and many stay at this level of the “video game” the use of the ACN membership as a multiplier for their salary. however, you still can’t do hardware repairs below warranty nor order Apple ingredients. As with the video online game, you’re caught at this degree unless you discover further and try to defeat the subsequent boss. Apple at all times controls the guidelines. settle for it as part of the video game. Fail to accept it and also you’ll get slapped back to the starting of the game faster than which you could click the domestic button.Server Administration Certification
From this element, you have a couple instructions which you could go. you can focus on repair and repair, or you can focus on server or superior utility administration (many folks will do both). i will be able to focus on the server administration certifications and the hardware features certifications. that you would be able to think of each and every of those as two separate worlds within the video game. which you can opt for one or the other, or discover them both.
the first level server administration certification is another 4-letter acronym: ACTC: Apple licensed Technical Coordinator. in addition to passing the look at various for ACSP, you’ll face the Server necessities look at various. This extends your pc abilities to servers. an excellent larger level of certification within the server realm is an ACSA — Apple certified programs Administrator. For the ACSA, you’ll deserve to move 4 checks: Server necessities, listing features, Deployment, and Mobility and safety for 10.6 (or superior gadget Administration for 10.5).
Apple also offers the ACMA (Apple licensed Media Administrator) which contains Server essentials, Xsan, remaining reduce Server and as an choice, support necessities, Deployment, listing services, or closing cut stage 1. other certifications are not always IT related and are software-focused. That’s a realm I’m no longer exploring as we chose the IT song at the start of the game.Hardware restoration Certification
moving on from server administration to genuine Apple hardware repair, the fundamental certification you are going to earn is the Apple licensed Macintosh Technician (ACMT), previously the Apple certified portable Technician (ACPT) and Apple certified laptop Technician (ACDT). This certification capacity you are theoretically certified to do warranty repairs on Apple Macintosh device. The abilities required for ACMT are these of hardware fix and utility troubleshooting. You don’t need an ACSP to be an ACMT, however many individuals earn each. The academic manner for hardware restore is more intense and it’s less likely you’ll move the examine without some practicing. At this stage, which you could also go to an AATC and pay about $4,800 for both the hardware and application aspects of the course, or your can purchase self-examine materials from Apple known as “Apple Care Technician practising” for $299.Apple approved carrier company
comparable to how passing the ACSP permits you to join the Apple Consultants network, passing the ACMT allows you to enter the realm of an Apple approved provider issuer (AASP). You might also no longer immediately become one even though, and handiest AASP’s get repayment from Apple for guarantee work. although, being an ACMT is terribly useful if you need to get a job as an AASP. You may additionally also practice to do warranty repairs to your better organization of over 50 Macs via the Self-carrier program. if you wish to boost to being capable of do warranty repairs for any individual, you’ll face that identical boss again, Apple. word that fitting an ACMT will now not always earn you to any extent further money than an ACSA or ACTC. dealing with the subsequent boss may well be too expensive and too restricting, but if you do desire the next stage, read on.
getting to that AASP level is in fact the remaining level of the game. You’ll deserve to have an ACMT on staff and comply with stricter requirements than becoming a member of the Apple Consultants community. commonly you’ll want a real store front and never be a one-person operation. Apple supplies exceptions (doesn’t every video game have cheat codes?), but don’t count number on it. after getting your AASP you may also be listed with Apple as a service provider and get reimbursed for assurance repairs.
So I’ve loaded the game and pressed start. Is certification worth it? What about ACN or AASP? Which practising may still i'm going for? Is instructor lead training worth it? Any practicing providers willing to sponsor me? What about the self-study programs? Share with me your experiences in the online game and let’s develop a definitive e-book together with “cheat codes.”Apple-licensed corporations
ACN (Apple Consultants community)What it's: community on Apple experts, receives coupon codes and suggestions from Apple, and can be referred from Apple retail outlets.necessities: Any certification.
AASP (Apple approved provider company)what is it: business it really is authorized to do Apple guarantee repairs for repayment and order parts from Apple.necessities: Have an Apple licensed Macintosh Technician on staff, among different necessities.Certifications
Apple certified assist skilled: fundamental figuring out of the client Mac operating equipment and troubleshooting.
Apple certified Technical Coordinator: Deeper realizing of the Mac OS, together with the Mac OS X Server and Server necessities.
Apple certified systems Administrator: Even more suitable technical figuring out of the Mac OS X Server, including passing checks on Server necessities, directory services, Deployment, and Mobility and protection.
Apple certified Media Administrator: here is a sister track of the “Apple certified systems Administrator” with a focus on the wants of media management, and comprises training in XSan or last reduce.
Apple licensed Macintosh Technician: that you would be able to do Apple hardware repairs, both out and in of warranty. Required to delivery (or get a job with) an Apple authorized service issuer, or self-carrier your tremendous firm.
Apple has posted a guide doc on-line to tackle standard questions related to some upcoming adjustments to Apple provider practising and Certification courses.
within the doc, Apple confirms that the AppleCare division will be present process some changes to its carrier training and Certification software.
Going into effect June 23, 2013, “This replace is in accordance with comments from the container and may make sure an easier and less complicated approach to create and preserve provider technician credentials,” says Apple.
right here’s the breakdown (and you can consult with the guide doc here for the complete scoop):
- No more ACMT re-certifications;
- New exam elements;
- No extra checking out centers (all tests will be attainable online);
- No extra proctored tests (for initial ACMT certification).
Apple explains that this change is necessary because its AppleCare unit wants “technicians to be qualified earlier than servicing new items that require special dealing with.”
particular training and tests may be created for all new items, “for the reason that new products commonly require new strategies and equipment,” Apple adds.
so as to attain service materials, passing tests will be necessary, but if you are already ACMT-certified, you don’t have to do the rest presently.
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If you like running or cycling but not a huge fan of doing it all outdoors, you can of course take that workout action indoors. We know treadmills and indoor bikes have served us pretty well for those training sessions when you don't want to brave the cold. But Zwift wants to make that experience a more motivating and competitive one.
The online fitness platform that lets you cycle and run in a virtual world has been around for a few years now. While previously a cyclist-only domain, its virtual doors have now been open to runners too.
Read this: Best Strava compatible watches to buy
If you're thinking Zwift could be a good option for you or you just want to know a bit more about how it works and what you need to get it set up in your home, we've pulled together this little guide on all the important things you need to know about getting into Zwift.
Got any questions? Let us know in the comments section below.Zwift Cycle: The kit you need to get started
Before we get into the kit, we should mention that Zwift's cycling mode works on a subscription basis. So you'll have to pay £12.99 a month to access it. Zwift does offer a 7 day unlimited distance trial and you don't have to input your credit card details to do the trial. For runners, it's free to use right now, but there's likely to be a subscription service introduced for that mode too in the future.
Your account will work across platforms. So if you use it on your Apple TV but also use it on an Android phone, it will work and carry over your data.
If you're happy to pay up, here's the kit you're going to need:
You can check for a full list of compatible kit over on this Zwift page.Pairing devices
Once you are set up and ready to ride, the first thing Zwift will ask you is to pair your devices via Bluetooth. This is all straightforward, and onscreen prompts, via a helpful squirrel, will assist you if you need help. Once they are paired you won’t need to pair them again.
The first screen you encounter after logging in will list the possible devices to link up:
Your choices are: Power source (your smart trainer if you have one, which will connect via Bluetooth) or your speed sensor.
Essential reading: Best heart rate monitors to work out with
Optional extras are heart rate, via a heart rate monitor chest strap or wearable, and cadence via ANT+. Both are not essential, but if you have them, it will result in a more immersive experience and more accurate data. Some in-game events require you to have these to receive an official final position/podium place too.
Once you’ve paired what you need to, simply click Ride and you are almost ready to get to pedalling.Choosing where to ride
Next is picking where you want to go riding. You’ll see this screen (above) next and from here you can opt to ride on the Guest World Schedule course, which, in our testing time, rotated between real routes in New York, London, Richmond and Innsbruck. You can even climb Alp D’Huez once your skill level gets to level 12 or Zwift’s fictional world of Watopia.
Cofounder and CEO Eric Min says that “Watopia is really the home of Zwift”. It features a huge variety of riding terrain and geography, including leg-sapping mountains and volcanoes to climb, and flat beach fronts to spin your legs out along.
Once you have decided where you want to ride, you are then presented with a choice of routes, with varying lengths and ascent. There are more routes to unlock the more riding you do and levels you progress through.Training plans
If you want your rides to be more structured, there is a training plan option, which will help you train towards a specific target, whether that’s building endurance for a gran fondo or increasing your VO2 for races in the real world. There’s an array of different types of plan, of varying lengths and intensity, and you more to unlock as you progress.
Within these training plans you can also participate in workouts that will tell you your functional threshold power (FTP). This is the average power you can produce, in watts, over an hour. It’s important to find out what yours is as Zwift uses it to shape your training zones. The only thing is, taking the FTP test is notoriously hard work – a sufferfest, but a necessary sufferfest.Customising your character
Zwift itself doesn’t have many traditional ‘video game’ elements to it – it’s more about pure riding and training. But you are rewarded for your achievements by unlocking extra levels and the ability to customise your character.
As you progress in skill and speed, you can access more shirts and kit to add to your character. It’s one of many clever ways to entice you to push yourself harder than you may otherwise have done.Zwift Companion App
This is a separate free smartphone app (iOS and Android) that’s worth downloading as it helps you locate your friends when you want to meet up with them in the virtual Zwift world. You simply click on the Zwifters you follow, pick the ones you want to ride with and you will automatically move next to them in the game.
The app notifies you every time your friends are using Zwift, meaning your motivation to ride is higher, you can use it to find out about, and enter, upcoming events and it also works like a remote control to operate the game from your bike.How to link Zwift up to Strava
You can sync Zwift to your Strava account at the click of a button. This means your workouts are directly uploaded to the activity tracker’s site, complete with a screenshot from your ride. There are even Strava segments in the virtual world, so you can track your progress by how many trophies you get.
If you want to link Zwift to Strava, there's a couple of ways to do this. The first is head to Zwift.com, log into your Zwift account and go to Settings. Look for the Strava logo and click. This will prompt you to log into your Strava account to complete the link.
You can alternatively do this via the Zwift Mobile Link app for your phone. Go into the Settings menu and again look for the Strava logo to log in and connect the two platforms. You'll know it's been successfully done when the Strava logo is in color.Zwift Run
Zwift launched into the world of running in 2018 in an effort to transform your treadmill-based training from uninspiring ‘dreadmill’ sessions to something significantly more exciting and motivational. As mentioned, it's also free to try (for now).
Essential reading: I went for a virtual workout with Zwift Run Free AccessZwift Run: Kit you need
The idea is, unsurprisingly, very similar to Zwift Cycle: the only bit of tech you need is a Zwift RunPod (or other smart running sensors such as ones from Garmin, Stryd or Polar) to attach to your trainers, which works out your cadence and transmits it to your mobile device or tablet via Bluetooth. As with cycling, a heart-rate monitor is also handy but not essential. It will also link up with Strava, so you can pull your virtual running exploits into the sports tracking platform.Zwift Run: Getting set up
Once you have downloaded Zwift Run (currently only available on iPhone, iPad, AppleTV or Mac/PC) and logged on you arrive at the same screen as Cycle, and you can toggle between the sports to pair your RunPod, heart-rate monitor and treadmill (if it has the capabilities).
You can also calibrate your RunPod so it gives a more accurate speed reading by clicking on the spanner icon below the Run Speed connection once it is connected.Zwift Run: Routes and training plans
If you want to just run, simply choose one of the pre-programmed routes of varying distances and undulation on Watopia or the guest world. Zwift has now also introduced running routes where you can ditch the cyclists too.
Those new routes now available are:
Alternatively, if you want to work towards a certain goal, pick from one of the many training plans such as ‘Footwork Intervals’ or ‘The Hills Are Alive’, which you complete over a certain number of days or weeks, or join a group run.
It's still early days for Zwift's running platform, but you can expect more features to be added in the future.
The other day I was on a Southwest flight and I noticed someone on the aisle seat crumple up a couple of unused tissues and put them on the empty middle seat so that no one would want to sit there. What’s up with that? For something that won’t make you shake your head, the Federal Reserve released its Senior Loan Officer survey for January, noting that banks showed no significant change in lending standards for most categories of consumer loans, but standards on credit cards loans were tightened as demand for all categories of household loans decreased. Know that debt held by US households increased to a record $13.51 trillion in the third quarter, according to the Federal Reserve Bank of New York. The amount is 21% more than the total in Q3 of 2008, during the financial crisis.
Lender Products and Services
“Is your organization looking to onboard quality production talent but struggling to find and attract the right candidates? Model Match can help! Our award-winning Talent Management Suite and team of recruiting superstars, Model Match offers a full suite of solutions to help our partners grow. Our solutions are tailor fit to each of our clients unique business models and specific needs. Whether you're looking to fine tune your internal recruiting efforts to create more efficiency OR need a trusted and experienced partner to help with the process, Model Match is the answer! Click here to connect with our team and learn more about the value we are creating for our partners.”
The Choice is yours at Sierra Pacific Mortgage who is hosting a webinar that will review the Choice QM and Non-QM products. Every loan officer should attend this. These programs can help grow your business and retain business. Join them on Tuesday, Feb 12 at 10:00 am PST. Can’t make that time? A second webinar will be offered on Thursday, February 21st at 1:00 pm PST. Register now for one of them.
BCG has released its first industry white paper of 2019 on the next wave of digital transformation in mortgage. The paper analyzes mortgage market conditions, details how many lenders are using digital solutions to establish differentiated value propositions, and provides initial results observed from new solutions by review data from Blend, a leading lending platform that processes more than 100,000 applications per month and is used by more than 125 lenders nationwide. The next generation of homebuyers wants a digital-first experience from end-to-end. The paper takes a close look at how digital solutions are poised to help lenders fight their way through tough times ahead.
Conquering Shifts is a must read. Companies who incorporate the principles and techniques are seeing phenomenal results. “This well-crafted book is filled with inspiration and bullet proof tactics from some of the industry’s legends.” Daniel Harkavy, CEO Building Champions. “Conquering Shifts is a compelling read that will accelerate a salesperson’s success. Todd Duncan, High Trust Selling. “If I were to have read this book when I first began originating purchase loans in 2011, I can honestly say that I would be leaps and bounds ahead of where I am today.” Ryan Grant, Fairway Independent Mortgage. I’ve indicated in several posts the value of this book. Have you bought your copies yet? If not, why not? What are you waiting for? Authors Cindy Douglas and Kathleen Heck are providing Chrisman subscribers a 15% discount through February 28th.
Are your borrowers’ credit scores too low? Don’t turn them away! CreditXpert® Wayfinder™ can help find the path to a better credit score. Watch our video and register for our informative webinar scheduled for February 21st. Wayfinder automatically evaluates hundreds of options to give your client an actionable plan to attain a better score. That makes you look like a credit expert. Plus, you can save 1 in 3 loans that would have been lost due to a low credit score. Trust Data Facts to provide efficient mortgage lending solutions, such as credit reports, fraud products, tax return and social security verifications, a variety of lead generation tools, and more…all integrated within your LOS! Talk with a live person and take advantage of their personalized support for your business. Their 100% US based customer service team will help you increase efficiency so you can close more loans, faster and easier.
For the fourth consecutive year, LendingQB ranked highest in overall client satisfaction among the top-10 mortgage LOS providers by lender share with an overall rating of 8.6 out of 10, according to The STRATMOR Group’s recently released 2018 Technology Insights Study. The study also noted that PriceMyLoan, LendingQB’s built-in loan pricing engine, scored 95 percent in overall satisfaction across nine categories, recognizing LendingQB’s LOS and loan pricing components as the industry’s leading technologies. Learn more about LendingQB and PriceMyLoan here.
Trainings and Events Coming soon
Today join Mountain West Financial for Monthly Mortgage Insights with special guest, Tonya Todd, Sr. SVP of Strategic Projects.
For mortgage brokers in Houston, Texas, and Irvine, California, REMN is teaming up with two other powerhouses in the wholesale space, Angel Oak Mortgage Solutions, and Liberty Home Equity Solutions, on the Diversify & Thrive Growth Summit series of events. These evening events will explore ways a diverse product portfolio, including renovation mortgages, non-QM products, and reverse mortgages, can help brokers. The first event in the complimentary series takes place on February 5th in both cities and will include an after-summit cocktail reception.
Register for the upcoming Buckley webcast on February 6th: Compliance with RESPA Section 8: The current state of play. Topics will include marketing services agreements, joint advertising, lead generation, portfolio retention, and the CFPB’s process for no-action letters.
Momentifi CEO Gibran Nicholas is hosting a free webinar tomorrow, February 6 at 3pm ET: How to Use a CRM to STOP LOSING DEALS to Your Competition. Topics include: how to use a CRM to win more deals and convert more sales leads; how to use a CRM to stay focused on your most important sales opportunities; and, how to use a CRM to spend less time putting out fires and more time doing high-value sales activities. Click here to register.
Join MBA St. Louis for lunch on February 7th. This luncheon’s program will be Digital Transformation & Day One Certainty presented by Ms. Nancy Lucio, Technology Delivery Manager, Customer Engagement for Fannie Mae.
There are two upcoming Wells Fargo Funding first-time homebuyer/affordable product events in key California markets. The free events, in cooperation with Freddie Mac, will be held in Sacramento Tues., Feb. 12th and Anaheim Wed., Feb. 13th, from 11:00 - 3:30 p.m. Pacific (including a networking lunch). The day’s focus will be on helping lenders grow market share in the affordable/first-time homebuyer space, strategies to connect with first-time homebuyers, including Freddie Mac’s Home Possible, their new HomeOne product, and in-depth insight into the local markets. Approved and prospective Wells Fargo Funding and Freddie Mac clients are welcome. Contact a member of your regional sales team or send an email to organizers.
Attend the Southern Los Angeles County Chapter of CAMP on Wednesday, February 13th at the Grand in Long Beach. Nicole Soares, COO of bSquared Credit, will reveal to how to help support clients to improve their credit scores and Tannia Ayala, Portfolio-Lending Business Development Specialist at Caliber, will show us how we can help more clients qualify to purchase or refi with Portfolio Loans. RSVP Online.
Join over 1,000 mortgage industry professionals at the 2019 CMLA Mortgage Expo on February 12th at the Denver Marriott DTC. There will be a diverse lineup of knowledgeable industry speakers who will cover a wide range of mortgage-related topics and an extensive, comprehensive exhibit hall featuring companies who are dedicated to helping your business grow! Several exhibitor and sponsorship opportunities are available and light refreshments will be served.
The sixth annual San Antonio edition of the Texas Mortgage Roundup is being held Tuesday, Feb. 12th at the Marriot Plaza SA hotel in San Antonio with a bonus 8-hour NMLS class there on Wednesday, Feb. 13th. Sessions will cover how to pump up your purchase mortgage business to how the new Trid 2.0 will affect you. From opening sessions featuring Caroline Jones,commissioner of the Texas Department of Savings & Mortgage Lending, to a great interactive session on the Whole Tale of Wholesale, to awesome speakers on how to take more market share towhat you need to do to compete for the Millennials market. Register now.
The Mortgage Collaborative’s 2019 Winter Conference will take place February 17-19 at the J.W. Marriott in Austin, TX. The interactive agenda will feature over 30 lender led discussion-based educational breakout sessions, a heavy emphasis on peer-to-peer networking and experiences with third parties and exchange of best practices, with a sharp focus on lender growth and efficiency solutions. Visit www.mortgagecollaborative.com or contact TMC COO Rich Swerbinsky.
Start making your plans to be in San Francisco on February 21st for the Social Media & Digital Marketing Seminar. The #SIFMAsocial program will explore how we serve our clients and will feature a wide range of topics including: New trends in social, mobile and digital advice, Data analytics and artificial intelligence, Cybersecurity and risks in social media, as well as Regulatory requirements and compliance.
Learn how making informed and calculated decisions can help your business stay profitable with a new webinar, Wednesday, February 27th, “Mortgage Lending in 2019: What the Heck Do I Do Now? Part of MBA Education's "Mortgage Banking Management" webinar series with Garrett, McAuley & Co.; experts will cover the issues that matter, including necessary trade-offs, tactics that work, and strategic choices you may have never considered.
And there is the Lenders One’s March 2019 Summit in Austin, TX March 3-6, 2019, which is already seeing a record number of registrants. Contact Lauren Ketchum, Director of Member Experience for more information on these programs or how to become a member.
Registration is now open for Ellie Mae Experience 2019. The conference will be held March 10-13 in San Francisco. This year’s conference theme, “Driving Innovation Home,” encourages attendees to take the digital mortgage journey while participating in exclusive training, hearing the latest in new tracks and sessions and networking with visionaries innovating on behalf of the mortgage industry. From URLA changes to HELOC opportunities to engaging homebuyers at the point of interest, Experience 2019 has it all.
The U.S. 10-year began the week yielding 2.72% as rates rebounded upward after last week’s rally despite closures in most major markets through Wednesday in observance of the Lunar New Year. Factory orders declined in November, falling well short of expectations and raising the potential for a further decline in December since the November softness preceded the big market sell-off in December and the start of the partial government shutdown in January that were drags on business confidence.
Today’s economic calendar is filled with non-market moving stats: Redbook same-store sales, final January Markit Services PMI and January ISM Non-manufacturing PMI. President Trump will deliver his previously delayed State of the Union address before Congress starting at 9PM ET. We begin today with Agency MBS prices dead in the water versus last night’s close and the 10-year yielding 2.72%, unchanged.
Careers, Business Opportunities, Layoffs
An industry veteran is in search of a lender willing to sell its GNMA Ticket. Interested parties should send me a confidential email for forwarding; please specify the opportunity.
“Why isn’t there more discussion about trimming the fat from bloated retail shops who employ too many layers of middle management at corporate, have too many people involved in the loan process, and have outdated tech layered on top of slow LOSs? Canopy Mortgage is trimming the fat AND keeping LO comp intact. Don’t believe us? Take our price quote engine for a spin to see what it could do for your borrowers! Then schedule a call to see what it will do for your comp. Reach out to Josh Neumarker, Director of Business Development (888-696-9076).”
On the flip side, Provident Financial Holdings will discontinue its mortgage banking segment with 122 layoffs.
Flying has been a part of Mac Staples' identity since 1958.
He had entered military service to the nation as an aviation cadet, graduated, and was ready. But at that time the Air Force wanted navigators for the Strategic Air Command.
Staples complied, serving as a navigator on long-range bombers that could carry the ultimate weapon to the Soviet Union if that kind of war should come.
Remembering the past from his home in Lubbock half a century later, Staples said his position in the Strategic Air Command was one of being on standby for nuclear war.
Then, Vietnam began heating up. It looked like it would be another conventional war, and SAC was for Armageddon only.
President Lyndon Johnson apparently had made the fateful decision:
"Johnson gave his Gulf of Tonken speech, and I thought, well we're in a war and I'm being paid to be in war — but we're never going to use nukes in this thing. So, the only way I'm going to do this and get there, is to get out of SAC."
He was able to enter pilot training to be checked out on new aircraft, and the Air Force issued its weapon of choice — an F-100 fighter plane adapted to deliver bombs and napalm along with machine gun fire for ground support. Given a maximum speed approaching 900 mph, it was like a rocket with a pilot in it.
Staples only got a year in Vietnam — from 1968 to 1969 — but he made the most of it. "I would fly missions, get my adrenaline up, then come back to base."
There was lethal return fire from the ground and hazardous low-level flying at treetop altitudes.
"Three or four missions stick out in my mind when I look back on that," he said.
"We usually flew in two-ship formations. But when I was a new guy, they flew us in a three-ship formation surrounded by old guys. We went down in a delta," he said of a triangular formation.
"The squadron commander was leading, and the other senior guy was behind me."
He remembers of a mission that the forward air controller was flying ahead of them at an altitude of about 10,000 feet. "He was almost whispering on the radio: 'OK, the Viet Cong have been in these two school buildings for several weeks, and I finally got permission to hit them. So, follow me. We're going up this river, and on this canal.'
"Then he pointed out the school buildings, didn't even mark them with a smoke rocket."
The school buildings, which no longer held students, instead held enemy forces with machine guns. He remembers the wind was extremely strong that day, which was unusual for Vietnam.
"The squadron commander rolled in but he couldn't get a decent release picture, and went through dry."
Staples felt awkward in the unaccustomed attack mode:
"I rolled in — just all elbows and feet — but anyway, I dropped the bombs and they blew up one of the school houses. The guy behind me came in and blew up the other school house."
Staples and the third flier then strafed a jungle area.
"Surprisingly, the No. 3 man took a hit on one of those passes out there in the jungle — someone shot him. There was lethal stuff there."
On a subsequent mission, while Staples was still new, he was chosen as flight leader. "I was on alert with an instructor pilot, and he said, 'OK, you can go ahead and lead for practice.' So we got scrambled off. They always read you the information, where to find your FAC (forward air controller), who he is, what frequency, all that stuff. He said your FAC is Sidewinder 174. I knew who Sidewinder 174 was, he was an old friend of mine."
"Clouds were at about half coverage at 3,000 feet, Staples remembers.
"We got down underneath the clouds and finally found him. He said, 'OK, you've got me in sight, follow me.'
He was doing about 90 knots, and we're doing 300. So, there was some back-and-forth there behind him, staying under the clouds. Suddenly, I saw him pull his nose up and fire a rocket. It went out there about three or four miles, and he said, 'OK, you got that smoke?' I said, 'Yeah, I do.' He said, 'Well it's about 2 kilometers beyond that."
Staples remembers the FAC described a clearing in the jungle that was about 10 acres in size, and rectangular. "There were three gun sites dug in on each side of that, so, we got up there and attacked them. We had been there only a few minutes, but by then we had dropped all our bombs and were strafing.
"My wingman said, 'Mac, how much fuel have you got?' and I said '3,500 pounds.' He said, 'I only have 2,500, I must have a hole in my wing. One of those -------- is still shooting at me, and I'm going to kill him."
"So, I got behind him to chase him and watch out for him if he had a hole in his wing. He strafed that last gun, and then I strafed it. He said, 'You go back to Phan Rang, to our home base, and I'm going to Bien Hoa.' I said, 'Negative, I'm going to chase you to make sure you get there.'"
The wingman, who was in charge, wouldn't accept, and instructed Staples to turn back.
"I listened to him on the radio, and he landed all right at Bien Hoa. Well, I found out the reason he didn't want me to go with him. He knew full well he had a hole in his wing — he had hit a tree!"
Occasionally there could be what could only be described as overkill. Staples, flying so low in an attack that he suspected he picked up green from tree leaves on his wings, had released napalm onto a machine gun nest in a five-acre clearing in the jungle, and hit it directly. His wingman dropped bombs on it, then they turned and strafed the area.
"I don't know why we did that — they were already incapacitated. But in my last pass, I pulled up, kicked over the airplane and looked down. There, less than 100 feet from me, was another machine gun nest. This one was right in the edge of the jungle. It had logs laying across it, and I could see two 50 caliber machine guns shooting at me from less than 100 feet.
"It got my attention."
In his memories, Staples can still see the Strategic Air Command, where he was on nuclear alert and could be airborne in 15 minutes with one to four nuclear bombs aboard. During a 27-year career in which he retired as a lieutenant colonel, he also spent time in Europe, Korea, and at Reese Air Force Base west of Lubbock. At Reese, he was an instructor pilot until the base was closed.
Staples is convinced U.S. forces were winning the war in Vietnam, and could have completed it except for orders from civilian authorities.
"I thought we were doing a good thing. My only bad feeling about Vietnam is the treasonous way our leaders treated it — all that blood and treasure, and then just essentially walking away from it. They would tell us where we could and couldn't bomb, instead of letting the military leaders fight the war."
When he left the Air Force, Staples didn't leave flying. He and Jim Gibler, a fellow officer he had met at Reese Air Force Base, began flying biplanes just for the exhilaration of flying.
"It was just to have a little fun in formation and taking off. We had a rule that we had to get upside down once in every flight. It was a little acrobatics, then go into the hangar and have a beer."
It's been three years since Staples has flown a plane, but he will never forget how to do it:
It's part of his identity.
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