![]() If there is no SSL certificate communicate is not safe. An SSL certificate secures communication between your computer and the website. Want to know more about Safe Payment Options? Read our blog. We recommend you pay with payment methods which offer some level of "money-back' guarantees such as the major credit cards and Paypal. Especially paying with a wire transfer, Moneygram, Western Union, and cryptocurrencies makes it very difficult to trace back the merchant. While this may have benefits for the consumer, it also allows the merchant to "hide". This website is offering payment methods that allow the buyer and seller to remain anonymous. Want to know more? Read our article on " Safe Payment Methods". Make sure you are paying with the method you want to. Each payment method has its own restrictions to get money back and the merchant may still entice you to use a different payment method. We have identified payment methods such as Alipay, Mastercard, Paypal, Visa who offer the consumer the option to get their money back if a product is not delivered or another form of dispute arises between the consumer and the merchant. We therefor recommend you to be cautious before you enter any personal data. What you see may actually be located on a completely different website. This means that the website is including or iframing functionality located on another webserver. This website is a website within a website. So checking a website remains a necessity. In some cases, scammers have been found to buy existing domain names and start their malicious practice here. However, the age of the website is unfortunately no guarantee. The longer a website exists, the more it can be expected that it is legit. This website has been set-up several years ago. Please read our article How to check if a cryptocurrency site is legit or a scam. Not only due to their inherent nature (cryptocurrencies are often volatile compared to currencies like the Dollar and Euro) but also because many scammers try to lure consumers into investing in (non-existing) digital valuta. Cryptocurrency services like bitcoin exchanges, crypto-mining, and trading services are considered high-risk. This website seems to offer cryptocurrency information and or services. A popular website however should have a higher Alexa ranking. You can expect this from a small, starting or niche website. This means that the number of visitors to this website is quite low. According to Tranco this site has a low Tranco rank.
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![]() With online multiplayer that features several modes (Team Deathmatch, Capture the Flag, FFA), this game cannot be ignored. Skewering Confederates with the tip of your bayonet has never looked better. The lush environments of each map are enhanced by the wide variety of 9 different power-ups, which include muskets, water horns, and bayonets. The game features 16 original tracks, such as the battles of Vicksburg, Bull Run, and Gettysburg. As you progress through the game's dense, 200-hour story mode, you can unlock new characters, such as General Garfield, Corporal Nermal, and a young slave girl named Arlene. The graphics are incredible and the game handles brilliantly running over Union soldiers feels realistic and true to historic fact. You play as Jon Arbuckle, a young Confederate officer, as he experiences the visceral horrors of the Civil War. As you progress through the game's dense, 200-hour story mode, you can unlock new characters, such as Beautiful and enthralling action game. … Expandīeautiful and enthralling action game. The previous iteration (without the Furious Racing addendum) is not quite as good, maybe only a billion out of ten. The ancient Egyptians cleary worshipped cats because they knew this game would one day exist, the pyramids were some sort of ancient computed designed to play it. If car manufacturers like Tesla do dot remodel their cars after the ones in Garfield Kart: Furious Racing (Blessed is it’s name) they will surely go broke. If I died and my consciousness was uploaded into this game, it would be like an episode of Black Mirror but instead it would be White Mirror. If this game ever goes on sale, it would be an insult to the concept of money itself and needless to say, if anyone pirates it, they should receive capital punishment. This game should cost a highly paid professional three years salary at minimum, a blue collar worker should be able to spend his retirement savings on it and poor people should not even be able to play it, well maybe a demo if they donate blood everyday and one kidney. Hopefully, one day the three will one day merge into an indecipherable blissful haze. This game should cost a highly paid professional three years salary at minimum, a blue collar worker should be able to spend his retirement savings on it and poor people should not even be able to play it, well maybe a In my existence there is waking life, sleeping life and Garfield Kart: Furious Racing. In my existence there is waking life, sleeping life and Garfield Kart: Furious Racing. ![]() Humiliated in the eyes of many Iraqis by his failure to defeat Iran, and with the impoverished Iraqi state unable to contemplate flooding an already near-non-existent job market with hundreds of thousands of demobilized soldiers, Saddam sought to shift the blame for his country’s precarious condition onto the Arab nations that had supported Iraq during its war with Iran - Kuwait and Saudi Arabia.Įven in the face of such an extraordinary betrayal, the Gulf states worked to find a peaceful solution to the crisis, but Saddam was hellbent on bloodletting. He was dissuaded only when Britain rapidly dispatched 3,000 troops to protect it.īut Saddam’s motivation for launching such a risky land grab was rooted less in historical precedent than in bitterness, desperation and self-delusion. Qasim argued that as Kuwait had been part of the Ottoman vilayet of Basra, which was now in modern-day Iraq, Kuwait was “an integral part” of Iraq. In 1961, one week after Kuwait gained its independence after 62 years as a British protectorate, Iraq’s President Abd Al-Karim Qasim, who had overthrown the Iraqi monarchy in 1958, threatened to invade. It was not the first time in living memory that an Iraqi leader had tried to annex the small country. Having failed in his declared ambition to annex Iran’s oil-rich Khuzestan Province, the dictator now intended to make Kuwait the 19th province of Iraq. In 1988, not for a moment did any rational observer foresee what came next. Another war would surely be the very last thing that Saddam would contemplate after the carnage of the past eight years, and yet he invaded his small southern neighbor, Kuwait, triggering the First Gulf War and the calamitous chain of events that would follow it. By some estimates, as many as 500,000 on both sides had died in the fighting, and Iraq, formerly an oil-rich country, had been transformed into a nation on its financial knees. It was certainly shorter than the Iraq-Iran War, a brutal eight-year conflict that finally came to an end on Aug. 28, 1991, after a 42-day aerial bombardment followed by a ground assault by a US-led coalition that lasted just 100 hours.Īs wars go, it was a short one - Saddam’s aggression was met by an overwhelming display of force by a US-led coalition of nations, including the Gulf states, outraged by the dictator’s murderous adventurism. 2, 1990, when Saddam invaded and occupied his small southern neighbor, Kuwait. Perhaps most traumatic for Saudi Arabia and the other Gulf states threatened by Saddam Hussein’s Iraq was the sundering of the brotherly bonds that, until that moment, had meant that the prospect of one Arab state turning on another was unthinkable. ![]() In the urban areas, they make dens, caves, trees, abandoned vehicles, barns, brush piles, and other human-made locations in their homes. They are mostly found in areas such as Europe, North America, Central America, and Japan. You will find these clever creatures foraging for food in garbage cans as well as raid campsites. ![]() While they are mostly found in areas with lots of trees and bodies of water, they can also adapt well to city life. Raccoons can thrive on a variety of habitats, including the urban city. The University of Michigan’s Animal Diversity Web established that raccoons lose about 50% of their body weight during cold seasons. Apart from their dense coat of fur, they use the extra layer of fat gotten during fall to insulate themselves. During winter, these animals sleep in dens and don’t head out to look for food.Īs a result, they eat more during fall so that their bodies survive on stored fat in colder seasons. However, during winter, they sleep longer and seldom leave their dens until after several weeks. They can be woken up, and their metabolic rate doesn’t change. Unlike other animals, raccoons don’t hibernate. Do not approach or feed the raccoon regardless of the time of day. Therefore, caution should be exercised when you come across raccoons during the day or night. Sick raccoons may exhibit behaviors like walking in staggers, overly aggressive, and may appear disoriented. However, if the raccoon acts erratically during the day, then they are likely to have rabies. If you see a daytime raccoon that is moving with purpose and whose limbs are working as required, then it is most probably healthy. It is essential to know the typical behaviors of raccoons, so you can easily distinguish a healthy one from a sick one. It is also not surprising to find raccoons out during the mating season or in urban areas when foraging for food. As mentioned earlier, raccoons are highly adaptable creatures that can change their behaviors to find a source of food.įor instance, you may find a mother raccoon with her babies during the day on a hunting trip. Rabid raccoons show abnormal behaviors like walking during daylight however, this doesn’t mean that all raccoons that are active during the day have rabies. For adequate insulation, they tend to hoard the material so that there is an adequate pile to hideaway in. They can haul pieces of fabric back to their den location. Long grasses and hay are the most common materials that raccoons use to build the outside of their nests. Raccoons are not particular when selecting materials to build their nests. This explains why most raccoons that invade homes are females. They are great places to raise babies and keep them protected from predators and other elements. At home, they will be more comfortable and at ease when the time to deliver comes. In most cases, mother raccoons will be inside homes if they are planning to have a family. For this reason, raccoons build their nests in secure, warm, and dry sites, which only they can access. Their mating season begins in January, and they can nest up to June. Raccoons are usually active during spring, summer, and fall, and just like most creatures, they tend to build nests. What Does a Raccoon Nest Look Like? Image Credit These creatures will typically eat everything, and their food sources can be ponds, rivers, garbage cans, and farm fields. Raccoons who are scouting for new territory may also be seen out during the daytime.Īfter sunset, the rested raccoons will leave their dens and go to their nearest food source. With the new obligations, the female raccoon may forage during daylight to get extra nutrition for the young ones. It is particularly true for mother raccoons that change their habits with the arrival of their babies. ![]() Nevertheless, you can still find some raccoons foraging for food during the daytime, especially in urban environments. When food is scarce, these foraging omnivores can sleep for a long time. Most often, these creatures find their dens at sunrise to sleep during the day. Since raccoons are nocturnal, they sleep during the day and stay up all night looking for food. If you want to know more about a raccoon’s sleeping habit, here are some things you may find interesting about them. In urban areas, they may sleep in abandoned vehicles or on top of telephone poles. Where do raccoons sleep during the day? These opportunistic mammals usually sleep during the day in dark tunnels such as hollow parts of trees or logs, or even in barns, attics, sheds, and basements. While active at night, these intelligent creatures sleep during the day. Raccoons are mammals known for their nocturnal habits. Disclosure: We may get commissions for purchases made through links in this post. ![]() In other words, the ego will eventually allow the behavior but only when the time and place is deemed socially appropriate. In several cases, the id can be satisfied through the use of delayed gratification. The reality principle is responsible for weighing the benefits and the costs of an action before acting upon an impulse. In other words, the ego is based on the reality principles, in which attempts to satisfy the id in the most realistic and socially acceptable ways. EgoĪccording to Freud, the ego is produced by the id in order to ensure that the impulses from the id can be handled in an acceptable manner in the real world. This was due to the fact that my id was not being immediately satisfied. The longer the plan took to create, the more anxious I became. I remember becoming anxious during the planning process because I wanted to the game system so bad. This caused my original reaction to be “absolutely” without even thinking about the negative implications of the act. When I first heard about the plan, my id was instantly interested. ![]() For example, infants will remain crying when he or she is hungry until the demands of the id are satisfied (Segrist, 2009, p. It is what is responsible for making sure that an infant’s needs are met. The id is especially important when it comes to an infant. For example, increase in thirst should prompt an immediate desire to drink. If the needs of the id are not satisfied, then the individual is left in a state of anxiety or tension. The id is considered to be driven by pleasure it strives for immediate gratification when it comes to needs and desires. The following analyzes my mental processes in relation to Freud’s theory of personality and the concept of the id, the ego, and the superego. Since we all would be utilizing the gaming system, we all had to help. His plan was go inside, steal the videogame system, and get out before anyone realized it. One of the neighborhood boy’s cousins just got the video game console and his mother had a spare key to his house. There was just one catch: we had to steal it. One night, one of neighborhood boys found a way that we all could have access to the new video game console. Our ten year old lives were consumed by our desire for this video game. We spent over a month thinking and dreaming about the console and how cool it would be if just one of us had one. However, due to its expense, none of our parents would buy it for us. Several of my friends and I were obsessed with the latest video game console. ![]() When I was around the age of ten, I was placed in a situation I will never forget. ![]() The following analyzes the id, the ego, and the superego in relations to a significant personal life event and how each one of the systems contributed to the overall result. When these systems do not properly interact, then there may be an adverse effect when it comes to behavior. It is the interaction between these three systems that determine whether or not an individual is going to conduct socially acceptable behavior. They are all characterized by their different roles they play and by their level of consciousness. The ego says, “I’m hungry and my friend has a candy bar, so I will ask my friend if I can have a piece.Id, Ego, and Superego: A Personality PerspectiveĪccording to Freud, there are three different psyche systems: the id, ego, and the superego.The superego says, “It’s wrong to steal so I won’t take the candy bar.”.The id says, “I’m hungry so I will take that candy bar and eat it!”.Let’s see the process of the id, ego, and superego. The ego has a hard job because it has to balance the id that wants immediate gratification while the superego tries to do the right thing.Įxample: You are hungry. It is also known as the reality principle. The ego is like the middleman struggling to make the id and superego behave properly. The superego helps us make judgments based on moral standards and ideals. The superego is like the angel (good spirit) on your shoulder. The id is also known as the pleasure principle. The id is like the devil (bad spirit) edging you to do the impulsive thing. I like to refer to this as an angel (good spirit) and devil (bad spirit) on your shoulder. Now, we will study the id, ego, and superego. For a list of Epson Connect enabled printers and compatible devices and apps, visit /connect. About translucent printing paper: Get translucent printing paper for amazing prices at. Data usage fees may apply.Ħ Most features require an Internet connection to the printer, as well as an Internet- and/or email-enabled device. Each vellum paper measures 8.5 x 11 inches. Printable Magnet 0.3mm A4 - P150/pk 5pcsPrintable Magnet 0.3mm 4R - P50/pk 5pcsMagnetic Sheet 0.5mm 4R WITH ADHESIVE - P7.00Magnetic Sheet 1mm 4R WITH ADHESIVE - P9.00Magnetic Sheet no adhesive, not printable:0. Savings and cost per ISO 24712 page are based on the cost of replacement ink bottles and the cost of enough standard cartridges to achieve the total page yields of the bottles using the MSRP (USD) and yields for Epson standard-capacity ink cartridges for similarly featured Epson consumer inkjet printers as of April 2021.ģ Based on product and replacement ink bottle sales in North America 2015 – June 2021.Ĥ Individual cartridges estimate based on print yields of a replacement set of Black and color ink as compared to Epson standard-capacity ink cartridges for similarly featured Epson consumer inkjet printers as of April 2021.ĥ Epson Smart Panel App download required. Cridoz vellum papers come with 50 sheets vellum. PRINTABLE MAGNET, MAGNETIC SHEET, P50.00 PER PACK OF 5 PCS. Savings and cost per ISO 24712 page are based on the cost of replacement ink bottles and the cost of enough standard cartridges to achieve the total page yields of the bottles using the MSRP (USD) and yields for Epson standard-capacity ink cartridges for similarly featured Epson consumer inkjet printers as of April 2021.ġ Based on average monthly document print volumes of about 200 pages.Ģ Actual savings and costs will vary considerably based on print tasks, print volumes and usage conditions. Using Vellum in combination with coloured cards creates a stunning layered visual effect, with a reveal of the full colour and design when your guests first look through and then inside the Vellum cover.* Actual savings and costs will vary considerably based on print tasks, print volumes and usage conditions. Cut to size and if required pre creased to your exact dimensions. High-quality adhesive paper is recommended for one-sided printing in laser printers and copiers Each sheet is translucent with frost effect and has no cuts. ![]() ![]() ![]() TIP 2: Use vellum made specifically for inkjet printers or office supply vellum. EcoTank Photo can print fully borderless on a wide range of papers from thin vellums, to fine art and photographic papers, to even posterboards up to 1.3mm. Or with the addition of Hot Foiling, with or without a printed design also.įor a luxe finish it is perfect as a wrap for your stationery set, which we can provide with your design added or plain. TIP 1: Try printing on transparency setting as this puts out a lot less ink. ![]() 750 provides good toner and wet ink adhesion, print quality, line acuity with clarity across multiple print technologies printing Paper Media and Physical Properties. Our translucent bond paper features acceptance to pencil and ink notations. Whether it be as a highlight element or throughout the set, Vellum works perfectly for Wedding Invitations, Stationery Set Wraps, Menus, Place Names, Information Sheets, RSVPS’s, Belly Bands, Favour Bands, Cover Layers or any other bespoke design, adding a special finish to your stationery.Īs a paper its frosty opaqueness lends itself to being used in tandem with other printed pieces, for example as an overlay page. 750 shows muscle when using vellums or opaque backdrops. Vellum paper, also known as Translucent or Parchment paper, is a unique and extremely luxurious way to distinguish your Wedding Stationery. The illegal wildlife trade is just one more card in a tall deck stacked against them. In the wild, these frogs are found in tiny populations, limited to ranges of just a few square miles of forest that are constantly being diminished and fragmented by agriculture and logging. The frogs left at the airport were to be sold as exotic and colorful pets to a growing international base of collectors. Lozano didn’t know it at the time, but he would later look back on that moment and realize he’d stumbled into the heart of the international illegal wildlife trade, which by some estimates rakes in $10 to $20 billion a year. Scientists believe these frogs acquire their toxicity, which is used as a defense mechanism to deter predators, by assimilating plant poisons ingested by the insects that make up their diet in the wild. The most toxic of all- Phyllobates terribilis, the golden poison frog-carries enough batrachotoxin, a potent neurotoxin, to kill 10 grown men. Poison dart frogs are known as some of the most toxic animals on Earth. ![]() “The important thing was to save the frogs-that was our job.” Luckily, the brief contact with the Lehmann’s frog caused only intense pain and swelling. When one of the small frogs leaped from its enclosure, Lozano panicked and scooped it up with his bare hands, poisoning himself with the frog’s secretions. “We had to basically live there for the first several days trying to save the remaining animals, which for us were like precious jewels.” “We didn’t have food, terrariums, or anything,” he says. Most collectors consider the Lehmann’s poison frog to be the holy grail among poison dart frogs for its rarity. Lozano and his colleagues at the rescue center were accustomed to receiving animals like parrots, turtles, and monkeys-common victims of domestic trafficking-but they’d never encountered such a large single shipment of individual animals, much less of poison dart frogs. The majority were Lehmann’s poison frogs-a critically endangered species with bright red, yellow, orange, and black bands and found only in a small patch of tropical rain forest in western Colombia. ![]() “When I saw that shipment of frogs, I was left speechless,” Lozano says. But by the time he arrived, many of the frogs had died. Lozano, who was then the director of Bogotá’s wildlife rescue center, rushed to the office. Inside, the police found nearly 800 poison dart frogs, crammed into tiny containers. ![]() Two suspicious boxes had been discovered at El Dorado International Airport, in Bogotá, on their way to Europe. It was the Colombian police one Sunday in 1998, and they had some strange news. Thus, Save the Frogs Day works to raise awareness about the dangers that frogs face in their own homes and highlight the consequences of a world without them.CUNDINAMARCA, COLOMBIAIvan Lozano recalls the night the phone rang. During the holiday, the folks at Save the Frogs, as well as scientists in 58 countries, hold presentations and seminars at local schools, groups, and community centers to raise awareness of frog conservation, highlighting the threats they face and presenting ways on how to contribute to their conservation. Up to 914 frog species are currently endangered, while up to 200 species have already been declared extinct since the 1970s.Īlso, few regulations exist that prevent the transport of infected frogs, which can cause problems for unfamiliar environments and for those who use them as pets or food. Kriger, the main threats frogs face today are habitat destruction, disease, pollution, pesticides, and climate change, all of which threaten to accelerate their extinction worldwide. ![]() However, like many animal species on this Earth, frogs are also endangered. The little amphibians, of which there are over 5,000 species, are fans of insects such as mosquitos, as they gobble them up voraciously to help keep their numbers at bay, which also helps ensure the health and comfort of human life. Not only do they play an important role in keeping the global ecosystem in check, but they are an unmistakable part of the atmosphere, as their croaks add to the ambiance of nature and in some areas, signal the beginning of springtime. Frogs have been a part of the Earth’s ecosystem since the Triassic period and are found all over the world. This holiday was created to promote education and conservation efforts for the little amphibians. Kerry Kriger of the Save the Frogs organization. Save the Frogs Day was founded in 2009 by Dr. ![]() To an application, the button still appears to be pressed down. ![]() The Mouse ClickLock accessibility feature enables a user lock down the primary mouse button after a single click. If one of the thread's windows has captured the mouse, GetCapture retrieves a handle to the window. If an application has not captured mouse input and the user releases the mouse button outside the window, the window does not receive the button-up message.Ī thread can use the GetCapture function to determine whether one of its windows has captured the mouse. For example, an application typically tracks the cursor position after a mouse button down event, following the cursor until a mouse button up event occurs. When a background window attempts to capture mouse input, it receives messages only for mouse events that occur when the cursor hot spot is within the visible portion of the window.Ĭapturing mouse input is useful if a window must receive all mouse input, even when the cursor moves outside the window. Only the foreground window can capture mouse input. The lParam parameter of the message specifies a handle to the window that is gaining the mouse capture. When the mouse capture changes, the system sends a WM_CAPTURECHANGED message to the window that is losing the mouse capture. The window receives all mouse messages until the application calls the ReleaseCapture function or specifies another capture window, or until the user clicks a window created by another thread. An application can change this behavior by using the SetCapture function to route mouse messages to a specific window. The system typically posts a mouse message to the window that contains the cursor hot spot when a mouse event occurs. For more information about mouse cursors, see Cursors. ![]() You can use the SystemParametersInfo function with the SPI_GETMOUSE or SPI_SETMOUSE flag to retrieve or set mouse speed. The system maintains a variable that controls mouse speed-that is, the distance the cursor moves when the user moves the mouse. The window need not be active or have the keyboard focus to receive a mouse message. When a mouse event occurs, the window that contains the hot spot typically receives the mouse message resulting from the event. The mouse cursor contains a single-pixel point called the hot spot, a point that the system tracks and recognizes as the position of the cursor. When the user moves the mouse, the system moves a bitmap on the screen called the mouse cursor. ![]() This section covers the following topics: The application should provide full keyboard support as well.Īn application receives mouse input in the form of messages that are sent or posted to its windows. A well-written application should include a mouse interface, but it should not depend solely on the mouse for acquiring user input. Therefore, xmCHART opens up a wealth of new ways for analyzing and representing numerical data for both FileMaker developers and users.The mouse is an important, but optional, user-input device for applications. a logo, can be easily added to complete a chart. Furthermore, a title, legend, background picture, additional texts and picture information, e.g. XmCHART is a very powerful FileMaker plugin for creating graphs of numerical data in which all important types of charts such as bar, scatter, line, area, bubble, high-Low, candlestick, pie, radar, polar and Gantt charts are supported.īy means of an extensive set of functions, all important chart components such as scalings, axes, grids and labels can be controlled by the user. ![]() Last month, brokers and landlord groups said early signs of distress had begun to hit the rent-stabilized market.ĭata from Westchester’s MLS shows the sales price per rent-stabilized unit fell in the suburban county, too. ![]() In New York, the inability to raise rents on stabilized units has weighed on the value of rent-regulated buildings. Owners can now recoup just 2 percent each year of what they spend on fixes through rent hikes over a 12-year period, compared to 15 percent annually over eight years before the law changed.Īs a result, landlords’ net income for the county’s approximately 400 rent-stabilized buildings dropped 7 percent to $43.5 million from 2020 to 2021, the report finds, as the increase in expenses outpaced revenue growth. Still, the analysis concludes that the drop in dollars directed toward building-wide fixes “supports the prediction that changes in HSTPA will lead to lower levels of spending on property maintenance and improvement.” Construction, for instance, stalled during 2020, which could have depressed repair work. The report authors acknowledge that Covid may have affected this data. Expenditures in 2021 remained below 2019 levels. ![]() The report also cites state housing data that shows landlords spent 9 percent less on repair and maintenance bills in 2020 than in 2019. The vast majority of such buildings are in New York City, but rent stabilization exists in some of its suburbs as well. Applications for MCIs across all rent-regulated buildings in New York dropped 66 percent in the same period, according to an annual report by the state Office of Rent Administration. To be considered a qualified mortgage, a home loan cannot include such risky features as negative amortization, balloon payments or an interest-only feature. Mortgages with such "toxic" features were widely blamed for playing a major role in the housing bubble and subsequent crash. The QM rule, sometimes known as "ability to repay," is intended to ensure that borrowers are not sold mortgages with features that can cause them to become unaffordable. Citibank officials have also said that bank intends to offer proprietary jumbo loans in excess of Fannie and Freddie guidelines in 2014, though it is not clear whether those will exceed QM guidelines or not. ![]() mortgages.īank of the West has also indicated that it plans to issue non-QM mortgages that it will keep on its books, with no planned cap on loan amounts. He said the move is in line with the Wells Fargo's efforts to place a greater emphasis on mortgages it will keep in its own portfolio, rather than originating with the intent of selling the loans to investors, as is done with the vast majority of U.S. Wells Fargo is assigning about 400 employees to a new underwriting group that will focus on issuing nonconforming loans, mortgages that the bank will keep on its own books rather than passing them along to entities such as Fannie Mae or Freddie Mac, according to Brad Blackwell, a senior Wells Fargo executive.īlackwell told Bloomberg News than non-QM mortgages could account for one-quarter or more of the bank's proprietary loans, or about 5 percent of all the mortgages it originates. Major lending unit established at Wells Fargo While those mortgages will likely be more costly and difficult to obtain than a QM, they'll allow borrowers to get interest-only mortgages or other loans with features not available on QMs. ![]() Several major lenders, including Wells Fargo, are gearing up to provide private mortgages that fall outside the qualified mortgage (QM) definition. But that doesn't mean you're out of luck if you're a borrower who needs a home loan that doesn't meet those guidelines. The new federal rules for "qualified mortgages" go into effect on Jan. ICB Solutions | NMLS #491986 ( Close Modal Mortgage products are not offered directly on the website and if you are connected to a lender through, specific terms and conditions from that lender will apply. will not charge, seek or accept fees of any kind from you. By submitting your information you agree Mortgage Research Center can provide your information to one of these companies, who will then contact you. For a full list of these companies click here. ![]() If you submit your information on this site, one or more of these companies will contact you with additional information regarding your request. ICB Solutions and Mortgage Research Center receive compensation for providing marketing services to a select group of companies involved in helping consumers find, buy or refinance homes. Neither, Mortgage Research Center nor ICB Solutions are endorsed by, sponsored by or affiliated with any government agency. ICB Solutions partners with a private company, Mortgage Research Center, LLC, (nmls # 1907), that provides mortgage information and connects homebuyers with lenders. ![]() is a product of ICB Solutions, a division of Neighbors Bank. |
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