High in protein beet and lentil with summer savory plant-based burger recipe.

(Birmingham, AL) The most recent fallout from the mortgage crisis that began last summer is now rearing it's ugly head in the form of Fannie Mae approved loans that cannot get insured by Mortgage Insurance companies.

Mortgage insurance companies, spurred on by recent recommendations in congress, are tightening their credit standards for providing insurance. Without mortgage insurance, borrowers are forced to provide a down payment equal to 20% of the purchase price of a home - something very few home buyers can afford to do. Just this past week, mortgage insurance companies raised their credit score requirement to 620, effectively cutting out 50% of home buyers from the home buying market. The move came unnanounced and without any notice to lenders or to Fannie Mae.

In fact, lenders are still approving loans that meet Fannie Mae guidelines for purchase in the secondary market, but then find, just before closing, that there is no mortgage insurance available to insure the loan. Without insurance on money loaned that is over 80% of the value of the property, the loan is declined. Buyers that have a "loan approval" from a lender should immediately ask their lender if the lender can get their loan insured. Otherwise, homebuyers could spend hundreds and even thousands in the days leading up to the closing only to find, at the last minute, that loan insurance is not available to them.

This move by the Mortgage Insurance companies will only add fuel to the fire that is the current US Housing market. By effectively eliminating more home buyers from the market, at a time when the housing market needs more buyers, not fewer, the mortgage insurance companies have put another nail in the coffin of the housing market. The resulting effect on the market will be an even bigger drop in home prices. The immediate impact of this new policy will be felt quickly in the market, not over time as has been the case with loan defaults, adjusting loan interest rates, and foreclosures.

Be forewarned: if you are a seller, drop your price now before the market itself forces an even larger price reduction. If you are a home buyer, your credit score must be above 620 or you cannot get a loan.

There are big opportunities for the music industry in podcasts, but one of the big barriers is licensing: the cost and complexity for podcasters of securing the rights to actually play music in their shows.

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Podcast marketing is on a roll in 2020 with many companies releasing audio content to build trust, connect with their audience on a personal level, and boost brand awareness.

1. Ease of production
2. Low entry costs
3. Language is no barrier
4. Repurpose your blog and video content as audio
5. Less competition than blogging and YouTube
6. Easier to grow a following as a podcaster
7. Successful podcasters make millions of dollars a year
8. Build connections by interviewing influential guests
9. Showcase your speaking skills
10. Build high-DA links back to your website

Russian girls of model quality seeking love and marriage to western men: Russian, Ukrainian, Belarus and Eastern European girls. Every week we add 50-100 new Russian girls to our database.

Russian girls of model quality seeking love and marriage to western men: Russian, Ukrainian, Belarus and Eastern European girls. Every week we add 50-100 new Russian girls to our database.

Extensive research, and up-to-date facts about obese children and its health issues. An easy-to-read book with practical advice that can make a difference. Plus free bonus book of hints and tips to improve your child's eating habits.

The grudge-match between AMD and Intel continues - although AMD is the clear aggressor in all of it. This week, in a follow up to AMD's antitrust lawsuit over Intel's "abuse of monopoly power" the guantlet was thrown down for...

Dr. Alexander von Paleske ----- 13.9.2024 - Annalena Baerbock wird wohl als die bisher reisefreudigste Aussenministerin in die Geschichte eingehen, wobei die zurückgelegten Kilometer allerdings im umgekehrt proportionalen Verhältnis zu ihren aussenpolitischen Erfolgen stehen, hingegen propartional zu den Flurschäden, die sie anrichtete. Nicht nur kaum messbare Erfolge, sondern sie hat es geschafft, ihren Ruf und damit den Deutschlands gegenüber Staaten wie China, der Türkei, aber auch...

Dr. Alexander von Paleske --- 14.9.2024 Ich kann es kaum erwarten: Heute abend auf dem Unterschichtenkanal RTL ist ein Jahrhundert-Boxkampf-Ereignis angesagt, der Clark Fight, fast so bedeutend wie der „Rumble in the Jungle“ als Muhammad Ali in Kinshasa/Demokratische Republik Kongo gegen George Foreman antrat. Angesichts der Überalterung der Gesellschaft sollten, so die Planer der Show offenbar, schon in die Jahre gekommene B-Personalities die Show bestreiten nach dem Motto: „Auch im...

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Bobby Valentino is back with his second Disturbing Tha Peace solo release "Special Occasion." The Atlanta based vocalist/songwriter continues where he left off, evoking music with commitment and love,...

“I…think one of us needs to crawl into the delivery truck?” A few minutes earlier, the four of us received a message on our phones from GGC headquarters: go down a particular street, and be on the lookout for a delivery truck. Once there, we should be prepared to open up a cardboard box. The […]

The post Great Gotham Challenge Goes the Extra Mile to Deliver Outdoor Puzzle Hunts first appeared on ARGNet: Alternate Reality Gaming Network.

The Silent Hill Historical Society is a small organization dedicated to preserving the small town’s rich history. Which makes their decision to set up shop on the grounds of a prison whose inmates were wiped out by disease a little questionable. Still…lakefront property doesn’t come cheap, so the lapse in judgment can be forgiven. Covering […]

The post A Murder Mystery, Hidden Within the Silent Hill Historical Society? first appeared on ARGNet: Alternate Reality Gaming Network.

Cloud computing has driven, and continues to drive, a paradigm shift for enterprise IT. Mastering the cloud has become essential for businesses amp;hellip; but what does that mean, and how can it be achieved? In a recent report titled 'From Taming Cloud Complexity to Achieving Cloud Mastery,'amp;nbsp;EPAM Continuum, the integrated business, technology and experience consulting practice of EPAM Systems, Inc. (NYSE: EPAM),amp;nbsp;answers the most pressing questions on the topic and reveals how to achieve the ultimate goal, mastering cloud complexity.

Today, SAP SE announced the next step in its long-standing partnership with Microsoft, using the latest in enterprise-ready generative AI innovation to help solve customers' most fundamental business challenges. The companies will collaborate on integrating SAPamp;reg;SuccessFactorsamp;reg; solutions with Microsoft 365 Copilot and Copilot in Viva Learning, as well as Microsoft's AzureOpenAI Service to access powerful language models that analyze and generate natural language. The integrations will enable new experiences designed to improve how organizations attract, retain and skill their people.

Sheffield Metal unit unveil a brand new track. It's really heavy.. obviously.

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[WHO] More than 100 governments today made historic commitments to end childhood violence, including nine pledging to ban corporal punishment - an issue that affects 3 out of every 5 children regularly in their homes. These commitments were made at a landmark event in Bogotá, Colombia, where government delegations are set to agree on a new global declaration aimed at protecting children from all kinds of violence, exploitation and abuse.

[allAfrica] Geneva -- Every day, many millions of children around the world experience violence in their homes and communities, schools, and conflict-affected areas. This reality is unacceptable. Every child has the right to live in a world where they are respected, protected and safe, and it is our responsibility to make this a reality.

[Stop Pneumonia] Pneumonia is the single biggest infectious killer of adults and children - claiming the lives of 2.2 million, including 502,000 children under five, in 2021 according to the Global Burden of Disease. Pneumonia-causing pathogens are also the most likely cause of the next pandemic, according to the latest Disease Control Priorities estimates.

[Capital FM] Nairobi -- Kenyan athletes lining up for Sunday evening's Chicago Marathon are looking to earn success in dedication to the late World Record Holder Kevin Kiptum, who died early this year in a road accident in Iten.

[263Chat] In a groundbreaking development for HIV prevention, the efficacy and safety of a six-monthly injection containing the antiretroviral drug lenacapavir have been confirmed through two pivotal studies. This innovative jab represents a significant advancement in the fight against HIV, providing a new option for individuals at risk.

[Capital FM] Kisii -- The U.S Food and Drug Administration ( FDA) has confirmed the availability of lenacapavir, a two-yearly injectable HIV/ADS treatment as early as the summer 2025, a decision made by FDA after the completion of phase 3 trial of lenacapavir treatment.

[Nile Post] Uganda's efforts to combat the HIV/AIDS epidemic have made significant strides, yet crucial gaps remain, particularly in preventing mother-to-child transmission of the virus.

[Lesotho Times] LESOTHO is being challenged to transform its HIV response for sustainability by 2030 and beyond, as declining funding and competing priorities threaten progress.

[Independent (Kampala)] Kampala, Uganda -- Uganda has made major strides in reducing the number of infants born with HIV, but persistent challenges remain in achieving the goal of zero infections. While the country has implemented effective prevention strategies and expanded access to antiretroviral therapy (ART), the number of new HIV infections among children continues to be higher than expected.

[Daily Trust] The Development Research and Projects Centre (dRPC), a Nigerian non-profit organization, has organized a two-day training for Imams and Muslim Opinion Leaders (MOLs) from Kaduna and Kano States.

[Capital FM] Nairobi -- Four-time Boston Marathon champion Catherine Ndereba has urged male athletes going through gender based violence (GBV) and other challenges to speak out.

[Unicef] Johannesburg -- Ahead of World Children's Day 2024, data from multiple countries reveal children's awareness of their rights, but significant barriers to education persist

[Capital FM] Nairobi -- Senators have threatened to impose a censure motion on Health Cabinet Secretary Deborah Barasa and her counterpart for Tourism Rebecca Miano for failing to appear before the house plenary.

[263Chat] In Zimbabwe, a quiet revolution is taking root as smallholder farmers embrace traditional grains like millet and sorghum to secure their livelihoods and combat the growing threat of climate change.

[RSF] The political turbulence rocking Mozambique since the start of the protests against fraud in the general elections, which were held on 9 October, has made journalism a dangerous practice. Reporters Without Borders (RSF) condemns the repeated attacks on media professionals and calls for their protection as they carry out their work.

January 24, 2006 – Yesterday, Ameriquest Mortgage agree to pay $325 million in restitution to those who had borrowed money from the company. The agreement settles legal disputes with 49 states and the District of Columbia, and is the second largest in US history.

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Aerospace startup Natilus is taking on the biggest players in civil aviation, unveiling its plans to build its Horizon Blended Wing Body (BWB) passenger/cargo liner that can carry 200 passengers from New York to London with 50% lower emissions.

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Category: Aircraft, Transport

Tags: blended wing, Airlines

Six years on from the first iMicro smartphone microscope, the team has unveiled its latest: the iMicro Q3p, a fingertip-sized, lightweight device that makes microscopy inexpensive, portable and accessible to anyone with a camera on their phone. What's more, this new model features polarization, allowing you to see (and photograph) incredible detail in the structures of materials such as crystals and minerals – all for less than 1% of the cost of the equipment normally required to view these structures.

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Category: Technology

Tags: Kickstarter, smartphones, Microscopes, Gadgets

Thanks to all of our guests who have posted on Trip Advisor. We have been awarded a Certificate of Excellence for 2011.

Kind of. Drawn with Procreate on an (old) iPad Pro with an (old) Apple Pencil.