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9L0-008 | Macintosh Service Certification

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9L0-008 - Macintosh Service Certification - braindump

Vendor Apple
Exam Number 9L0-008
Exam Name Macintosh Service Certification
Questions 89 Q & A
Recent Update February 11, 2019
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9L0-008 exam Dumps Source : Macintosh Service Certification

Test Code : 9L0-008
Test Name : Macintosh Service Certification
Vendor Name : Apple
Q&A : 89 Real Questions

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Apple Macintosh Service Certification

Apple Seeks to Simplify AI practicing and Inferencing on macOS | killexams.com Real Questions and Pass4sure dumps

every March, Silicon Valley heads into conference season. Tech behemoths like Google, facebook, Intel and Nvidia welcome thousands of developers to their tech showcases — always with a deep focal point on artificial intelligence. today it was Apple’s turn to unveil new machine researching tools and utility at its 2018 global developers convention (WWDC), which runs June four–eight at the McEnery conference middle in San Jose, California.

Create ML

Apple introduced Create ML, a new computing device studying device that permits builders to effectively import custom records and create computing device imaginative and prescient and natural language AI models on the macOS.

“Create ML is designed to allow you to coach devoid of being a computer researching expert,” referred to Craig Federighi, Apple Senior vice president of utility Engineering.

Create ML is developed on Swift, Apple’s common-aim programming language for its working systems and Linux. builders can use the Xcode Playgrounds UI to coach fashions by way of easily dragging training data right into a default mannequin builder.

Create ML hurries up model practicing on exterior GPUs. during the past, Mac clients may simplest run AI practising with in-computer Intel CPUs and GPUs or by using renting computational energy from cloud provider companies corresponding to AWS or Google Cloud. closing week, Apple formally brought support for exterior GPUs to macOS, powering computation in video games, video enhancing, and AI processing.

Apple’s steel 2, a know-how launched final year to optimize performance, images and computation for GPUs, can also accelerate neural network working towards on macOS.

With Create ML, developers can store tremendous time on training AI fashions. Federighi says the practising time of an object detection mannequin based on a 20,000-photograph dataset is reduced from 24 hours to simply forty eight minutes on MacBook professional.

It’s now not best Apple, other tech giants are additionally striving to simplify builders’ entry into the area of AI. Microsoft’s custom imaginative and prescient and Google’s AutoML can also create sophisticated fashions with minimal effort and expertise.

Core ML 2

ultimate year, Apple launched Core ML, a know-how for prime performance on-gadget laptop studying applied to Apple products similar to Siri, camera, and QuickType. Core ML helps builders integrate disparate machine gaining knowledge of fashions into apps. It supports wide deep getting to know models with 30+ layers, together with ordinary tree ensembles, SVMs, and generalized linear fashions.

these days, Apple launched Core ML 2, a far better-then-ever new release that can method 30 % sooner the use of batch prediction, and in the reduction of model dimension via seventy five % the usage of quantization.

Apple’s increasing Ambitions in AI

unlike many of its Silicon Valley neighbors, Apple is a relative latecomer in this container. Apple’s researchers had not released any computing device learning papers unless late 2016, and its smart speaker HomePod which went on sale this January is experiencing sluggish sales.

In a bid to capture up, Apple poached Google Search and synthetic Intelligence head John Giannandrea in April to steer its desktop gaining knowledge of and AI approach efforts.

Apple nowadays introduced predominant updates for Siri, together with ShortCut, a feature that makes it possible for iOS users to create customized Siri voice commands for third-birthday party apps integration. When ordering espresso at Starbucks for instance, a consumer can preset a voice command for “a grande ice latte with soy milk and one sugar” and simply voice set off with the notice “latte.”

while Amazon Alexa and Google Assistant are main the smart assistant fight within the US, Siri’s ShortCut is a sensible, functional and low-priced move by Apple that builds on its strong point in the cellular ecosystem to discover the advantage of voice commands.

Apple is additionally investing within the self reliant automobile market. ultimate month the enterprise registered fifty five self-driving vehicles with the California department of Motor motors, which makes it the state’s 2nd biggest such fleet.

Apple has about 20 million builders on its AppStore, which has develop into the realm’s greatest app industry with a impressive 500 million guests per week. developers surely recognize Apple simplifying the transfer of AI aspects into widespread functions. Apple can be trailing in the AI race however it has the supplies to close the space directly.

finished guide to Apple Certification and working towards | killexams.com Real Questions and Pass4sure dumps

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    although I’ve been supporting Macs on account that they came out in 1984 (when i used to be in high faculty), I haven’t obtained any “formal” training. It has basically been learning by using doing, analyzing the occasional booklet and now of course, TheAppleBlog. Does formal certification truly make a difference as a technician? You tell me.


    recently I got into an argument with a seller that by hook or by crook thought a technician who first began repairing Macs sixth months ago trumped my 25 years journey. Did certification make this adult a much better technician? Having completed reasonably somewhat of hiring myself, I’ve too regularly found that certification best verifies your capacity to take a verify and may not have bearing within the actual world.

    Now that the market has changed and everybody looks to be competing for scarce resources, perhaps a certification can be an extra edge? What’s the enterprise method for impartial Mac technicians wanting extra? The reply took loads of research — even Apple wasn’t capable of answer my questions — so learn from my journey.

    credit score goes to both Brian better of BestMacs and Doug Hanley of MacTEK practising, as a result of with out them I wouldn’t take into account the alphabet soup of ACSP, ACMT, ACTC, ACSA, AASP, ACN and extra. Didn’t we all turn into Mac clients to avoid mysterious phrases? As a lot of you know, the convenience of the Apple person interface is equalled simplest through the frustration of attempting to be mindful Apple’s certifications courses. figuring out this path became an awful lot more durable than any video online game I’ve ever performed, however a “online game” may well be the superior metaphor to describe the process.

    The online game

    You start the “online game” as a general Mac person. The three worlds you’ll often see within the online game are IT, professional Apps, and revenue. As an IT grownup maybe you have talents, possibly you don’t. Nothing stops you from effortlessly repairing Macs on your personal, except you do things that primarily void the guarantee and you get caught doing so. You don't have permission per se from Apple to work on Macs. Many folks are chuffed at this degree collecting coins one after the other, however that you could’t proceed any extra except you get a certification — the important thing that unlocks the subsequent level within the online game.

    the first certification most go for is Apple licensed help skilled (ACSP) which was once referred to as an Apple certified support Desk specialist (ACHDS). This certifies your potential to remember the working system and is earned in response to the OS version. for this reason, you're an Apple licensed guide professional in 10.5 (or quickly 10.6). every OS requires certification, but your certification doesn't expire. hence, if you're a ACHDS in 10.3, you can name your self certified devoid of understanding 10.5 at all. Your can take the test with out working towards (many do), self-examine via materials from Peachpit, or attend an instructor-lead route at an Apple authorized practicing center (AATC). MacTek is one of those centers. You’ll take the look at various at a Prometric trying out core and pay around $200. The verify takes about 90 minutes or so and also you get the effects instantly.

    Apple Consultants network

    whereas certification is the means, the conclusion you may be reaching for is the capacity to join the Apple Consultants community (ACN). becoming a member of the ACN requires any Apple certification, such as the ACSP discussed above, or any number of other certifications (described below, notwithstanding one source says not all certifications are legitimate, so beware). keeping with the video video game analogy, the ACN is like a complete new enviornment of the video video game you are looking to discover, however the boss that need to be defeated first is Apple, and your weapon is a certification!

    After getting a certification you can then follow to be part of the ACN. The software price is $60 and the specific payment to be part of is $395 as a sole proprietor. the full necessities are right here. You’ll get lots of advantages corresponding to product discounts as neatly because the means to community with different Macintosh consultants. As an ACN, Apple store personnel can also hand out your card to consumers within the save. Now your business can in fact extend as each Apple shop client is a possible customer for you.

    ACN membership is exquisite and a lot of stay at this level of the “online game” the usage of the ACN membership as a multiplier for his or her earnings. however, you nonetheless can’t do hardware repairs below warranty nor order Apple ingredients. As with the video video game, you’re stuck at this degree except you explore additional and take a look at to defeat the next boss. Apple always controls the guidelines. accept it as part of the game. Fail to accept it and you’ll get slapped again to the starting of the game sooner than you could click on the domestic button.

    Server Administration Certification

    From this point, you have a couple directions that you would be able to go. that you can focus on restoration and service, otherwise you can center of attention on server or advanced utility administration (many folks will do both). i will discuss the server administration certifications and the hardware features certifications. that you could suppose of each and every of those as two separate worlds in the online game. which you can opt for one or the other, or explore them both.

    the primary stage server administration certification is a further 4-letter acronym: ACTC: Apple licensed Technical Coordinator. in addition to passing the test for ACSP, you’ll face the Server necessities examine. This extends your workstation talents to servers. an excellent greater stage of certification in the server realm is an ACSA — Apple licensed techniques Administrator. For the ACSA, you’ll deserve to pass 4 assessments: Server essentials, directory features, Deployment, and Mobility and safety for 10.6 (or advanced device Administration for 10.5).

    Apple also offers the ACMA (Apple certified Media Administrator) which includes Server necessities, Xsan, final cut Server and as an option, support essentials, Deployment, listing services, or closing reduce level 1. different certifications are not necessarily IT linked and are utility-concentrated. That’s a realm I’m not exploring as we selected the IT music at the start of the game.

    Hardware fix Certification

    moving on from server administration to precise Apple hardware repair, the primary certification you will earn is the Apple certified Macintosh Technician (ACMT), formerly the Apple licensed portable Technician (ACPT) and Apple certified computer Technician (ACDT). This certification ability you are theoretically qualified to do guarantee repairs on Apple Macintosh equipment. The knowledge required for ACMT are those of hardware restoration and software troubleshooting. You don’t need an ACSP to be an ACMT, however many americans earn both. The academic technique for hardware repair is more extreme and it’s less likely you’ll pass the look at various devoid of some practicing. At this level, that you may also go to an AATC and pay about $4,800 for each the hardware and utility elements of the direction, or your can purchase self-examine materials from Apple called “Apple Care Technician practising” for $299.

    Apple licensed service provider

    similar to how passing the ACSP permits you to be a part of the Apple Consultants community, passing the ACMT means that you can enter the realm of an Apple authorized service provider (AASP). You may also no longer immediately develop into one notwithstanding, and best AASP’s get reimbursement from Apple for warranty work. youngsters, being an ACMT is very helpful in case you wish to get a job as an AASP. You may also additionally observe to do guarantee repairs in your better company of over 50 Macs by means of the Self-carrier software. in case you are looking to develop to being capable of do guarantee repairs for any person, you’ll face that same boss once more, Apple. be aware that fitting an ACMT will not always earn you any longer money than an ACSA or ACTC. dealing with the next boss may be too high priced and too limiting, but when you do want the subsequent stage, study on.

    attending to that AASP level is actually the closing degree of the video game. You’ll should have an ACMT on team of workers and follow stricter requirements than becoming a member of the Apple Consultants network. generally you’ll want a true save entrance and not be a one-adult operation. Apple supplies exceptions (doesn’t every video game have cheat codes?), but don’t count on it. once you have your AASP you can be listed with Apple as a carrier issuer and get reimbursed for warranty repairs.

    So I’ve loaded the game and pressed beginning. Is certification value it? What about ACN or AASP? Which practicing may still i go for? Is teacher lead practicing price it? Any training companies willing to sponsor me? What in regards to the self-look at courses? Share with me your experiences in the online game and let’s develop a definitive e book together with “cheat codes.”

    Apple-approved agencies

    ACN (Apple Consultants network)What it's: community on Apple gurus, receives coupon codes and suggestions from Apple, and can be referred from Apple retail retailers.necessities: Any certification.

    AASP (Apple licensed carrier provider)what's it: enterprise this is accredited to do Apple guarantee repairs for reimbursement and order components from Apple.requirements: Have an Apple certified Macintosh Technician on group of workers, amongst other requirements.


    Apple certified aid expert: basic figuring out of the customer Mac operating gadget and troubleshooting.

    Apple licensed Technical Coordinator: Deeper knowing of the Mac OS, together with the Mac OS X Server and Server essentials.

    Apple licensed programs Administrator: Even better technical figuring out of the Mac OS X Server, including passing assessments on Server necessities, listing capabilities, Deployment, and Mobility and safety.

    Apple certified Media Administrator: here's a sister music of the “Apple licensed methods Administrator” with a focus on the needs of media administration, and contains training in XSan or final cut.

    Apple licensed Macintosh Technician: which you can do Apple hardware repairs, both in and out of assurance. Required to start (or get a job with) an Apple authorized carrier provider, or self-service your big company.

    Apple displays changes to carrier practising and Certification courses | killexams.com Real Questions and Pass4sure dumps

    Apple has posted a aid doc online to address average questions involving some upcoming changes to Apple provider training and Certification classes.

    in the doc, Apple confirms that the AppleCare division can be present process some changes to its service working towards and Certification program.

    Going into impact June 23, 2013, “This replace is according to comments from the field and will make certain a simpler and easier approach to create and hold service technician credentials,” says Apple.

    right here’s the breakdown (and you can talk over with the support doc here for the complete scoop):

    - No extra ACMT re-certifications;

    - New exam resources;

    - No greater checking out centers (all assessments could be available online);

    - No more proctored tests (for initial ACMT certification).

    Apple explains that this change is fundamental as a result of its AppleCare unit wishes “technicians to be qualified before servicing new products that require particular handling.”

    particular practising and checks will be created for all new products, “for the reason that new products regularly require new approaches and tools,” Apple provides.

    to be able to acquire service elements, passing exams should be mandatory, but if you are already ACMT-licensed, you don’t should do the rest at the moment.

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    Zwift: A guide to the virtual training platform for cyclists and runners | killexams.com real questions and Pass4sure dumps

    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

    Zwift: A guide to the virtual training platform for cyclists and runners

    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:

  • A bike.
  • A turbo trainer or rollers. Smart trainers, such as certain models from Wahoo, Bkool, Elite or Tacx, will transmit all power and speed data to Zwift. If you have an older trainer, you can connect via an ANT+ or BLE power meter, or a speed and cadence sensor and it will estimate your wattage for you.
  • A PC or Mac, Android or iOS device or Apple TV.
  • A bridge receiver for the ANT+/BLE signal.
  • You can check for a full list of compatible kit over on this Zwift page.

    Pairing devices

    Zwift: A guide to the virtual training platform for cyclists and runners

    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

    Zwift: A guide to the virtual training platform for cyclists and runners

    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

    Zwift: A guide to the virtual training platform for cyclists and runners

    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: A guide to the virtual training platform for cyclists and runners

    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

    Zwift: A guide to the virtual training platform for cyclists and runners

    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

    Zwift: A guide to the virtual training platform for cyclists and runners

    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: A guide to the virtual training platform for cyclists and runners

    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 Access

    Zwift 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).

    Zwift: A guide to the virtual training platform for cyclists and runners

    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:

  • 5k Loop - 3.1 miles (100ft elevation)
  • 11.1 Ocean Blvd - 6.9 miles (171ft elevation)
  • Chili Pepper - 5 miles (157ft elevation)
  • Jon's Route - 7.8 miles (192ft elevation)
  • That's Amore - 4 miles (179ft elevation)
  • 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.

    LO Products, Digital White Paper; Training Events Across the Country and at Home | killexams.com real questions and Pass4sure dumps

    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.

    Capital Markets

    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. 

    Fighter pilot Mac Staples of Lubbock remembers the air over Vietnam | killexams.com real questions and Pass4sure dumps

    Flying has been a part of Mac Staples' identity since 1958.

    Patriotism, also.

    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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