The Element in Mortgage Lending- 2019 Quarterly Edition

the ELEMENT age Lending in Mortg

2 0 1 9 Q U A R T E R LY E D I T I O N

INSIDE THIS ISSUE: EXCELLENCE AWARD

Origins of

HALLOWEEN HEALTH in the NEWS

MEDITATE

Blueberries to help your heart

for INSPIRATION

THE LITTLE PUPPY

Spotlight

Nichole Manor A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

1 | www.elementfunding.com Loan Officer

Loan Originator in the Spotlight With close to 15 years of experience in finance, Nichole Manor has a professionally proven record of accomplishment in the mortgage industry. She’s been recognized in Top Agent Magazine as a top originator, and her extensive knowledge of mortgage products, the loan process, and the local market ensures the mortgage experience is fast, easy, and hassle-free for real estate agents, builders and homebuyers.

As an Element Funding mortgage consultant, Nichole creates comprehensive mortgage packages designed to meet each customer’s long- and short-term financial goals. She maintains a consulting relationship with each customer to ensure the original mortgage product continues to be the best fit as lifestyle or financial needs change.

Believing that the key to success is constant communication and putting others first, she consistently ensures that all parties are up to date on the progress of the loan. Genuine care for her clients, communication combined with professionalism, experience, strong ethical behavior, and quick response time to questions and inquiries has strongly influenced Nichole’s success.

Nichole Manor Element Funding | Branch Manager NMLS# 339002 701 Northpoint Parkway, Suite 405 West Palm Beach, FL 33407 Office 561-253-0571 Cell 561-385-1895 nmanor@elementfunding.com www.elementfunding.com/nmanor

Nichole graduated from State University of New York at Plattsburgh with a Bachelor of Science in psychology and Schenectady Community College with an associate’s degree in applied sciences. She stays on top of industry related issues through continuing education and constant industry monitoring, because she believes knowledge of the financial markets and the mortgage industry facilitate the best service to her customers.

Nichole and her twin boys, Ian and Owen reside in Palm Beach Gardens. Outside of work, she enjoys going to the beach, reading, traveling, and spending time with her boys.

The scary origins of Halloween The day we call Halloween has its origins in Samhain, a Celtic festival some 2,000 years old. The Celts of Ireland, Britain, and northern France celebrated their new year on Nov. 1 and believed that the line between life and death blurred the night before.

The Celtic Druids built large sacred bonfires and sacrificed animals to their deities and tried to gain mystical information from the dead for their prophecies concerning the coming year.

The Celts would place a skeleton in their window on Hallows’ Eve— the night before Samhain—to represent their dead.

The jack-o’-lantern comes from an Irish legend about a farmer named Jack who tricked the devil and trapped him in a tree.

The devil got revenge with a curse that forced Jack to wander the earth forever by the light of a candle inside a hollowed-out turnip.

What about trick-or-treating, though? It may have originated with the medieval tradition of “souling,” in which poor people would go door to door on All Souls’ Day asking for donations of food in exchange for prayers for the dead.

In North America, the first recorded practice of anything resembling 2 | www.elementfunding.com

modern trick-or-treating was in 1911 in Ontario.

A newspaper reported on children in costumes visiting neighbors and shops, singing songs in exchange for candy and nuts.

TALK TOWN OF THE

@ELEMENT FUNDING

Talk of the Town is Element’s latest monthly circular that highlight comments shared by fellow colleagues about other members of the organization who continuously make a positive contribution to the workplace through areas such as productivity or quality gains.

This Month’s EXCELLENCE AWARD goes to

Dana Burton Awarded for Exceptional Internal and External Service Above and Beyond Element Expectations

Look who else has been the Talk of the Town: Ray Evans: He is a great leader and truly cares for our clients.

Brad Roche: In just a couple of brief conversations, he has elevated my idea of value.

Marlene Pena: She is so helpful with everything.

Melanie Whobrey: She’s amazing!

Suzanne Wiggins: Suzanne is an unsung hero... behind the scenes...getting it done and often on very short notice with rush requests... never complains, never says no, but ALWAYS MAKES IT HAPPEN!!!

Ashley Campbell: Ashley has some of the hardest files yet she always seems to make it happen. She goes the extra mile.

Tonya King: Love working with Tonya, she goes above and beyond for us!

You all are true difference makers....every day.....thank you all!!!

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The little puppy

A shop owner placed a sign above his door that said, “Puppies for sale.” Signs like this always have a way of attracting young children, and soon a boy saw the sign and approached the owner. “How much are you going to sell the puppies for?” he asked.

Lady, who ran down the aisle of his shop followed by five teeny, tiny balls of fur.

buy. I’ll give you $2.37 now, and 50 cents a month until I have him paid for.”

One puppy was lagging considerably behind. Immediately the little boy singled out the lagging, puppy saying, “What’s wrong with that little dog?”

The shop owner countered, “You really don’t want to buy this little dog. He is never going to be able to run and jump and play with you like the other puppies.”

The little boy pulled out some change from his pocket. “I have $2.37,” he said. “Can I please look at them?”

The shop owner explained that the veterinarian had examined the little puppy and had discovered it didn’t have a hip socket. It would always limp. It would always be lame.

The shop owner smiled and whistled. Out of the kennel came

The little boy became excited.

“That is the puppy that I want to

The little boy reached down and rolled up his pant leg to reveal a badly twisted left leg supported by a big metal brace. He looked up at the shop owner and replied, “I don’t run so well myself, and the little puppy will need someone who understands.”

The store owner replied, “Anywhere from $30 to $50.”

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Candy Corn Punch A layered punch that is super awesome, tasty and makes celebrating the Halloween holiday so much fun!

For an awesome layered punch, no matter what colors you are going for, start with a sugary beverage like a soda, then choose a slightly less sugary beverage, like a sports drink, and then go even lighter with a flavored water type drink. If you are unsure, just read the labels. For our Candy Corn Punch, follow the steps below.

Ingredients

Ice 1/3 part Crush orange soda 1/3 part yellow Gatorade 1/3 part zero calorie lemonade Vitamin Water

Directions Fill your container to the very top with ice.

Pour the orange soda in first until you’ve filled about 1/3 of your glass.

Next, slowly pour the Gatorade directly on top of the ice and let it trickle down on top of the orange soda until it fills 2/3 of your glass.

Finally, slowly pour the lemonade on top of the ice and let it trickle down on top of the Gatorade.

Take care not to stir this drink or it won’t work.

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Health in the News Eat blueberries to help your heart, says study

Watch for the mental health risks of your social media use

Blueberries are delicious, but can they aid your heart? Maybe, according to the Medical News Today website.

Social media can help you keep in touch with friends and family, but it’s not always beneficial to your mental health. It’s been linked to depression, low self-esteem, social anxiety, and other problems.

A study by a team of researchers from the University of East Anglia in the United Kingdom and Harvard University in the United States (at least partially funded, by the United States Highbush Blueberry Council), found that blueberries may indeed help with high blood pressure, high blood sugar, and other metabolic conditions affecting heart health.

Specifically, the team gathered 155 participants age 70–75 who were overweight or had other metabolic symptoms and split them into three groups. Over a six-month period, one group consumed a cup of freeze-dried powdered blueberries per day, and another group had half a cup.

The third group, used as a control, consumed a powder with dextrose, maltodextrin, and fructose.

The scientists found that those eating a full cup of blueberry powder showed improvement in vascular function and arterial stiffness. They saw no improvement in those who consumed just half a cup. They credit the improvement to the presence in blueberries of anthocyanins, which have been linked to a reduced risk of cardiovascular disease.

How can you stay sane online? The Philadelphia Inquirer website offers these suggestions: • Limit your use of social media.

Don’t let Facebook, Twitter, and other social media platforms dominate your life or interrupt your interactions with people in the real world. Put your smartphone down during mealtimes, and don’t take it to bed with you. Take breaks from social media from time to time to reduce its hold on you.

• Pay attention to your emotions.

Think about why you’re scrolling down the screen and how what you see and read makes you feel.

Are you genuinely enjoying the experience? Do you find yourself getting depressed or angry?

Are you checking social media because you want to find out something, or just from habit? Be mindful about your social media use so you can control it instead of letting it control you.

• Prioritize your real-world relationships. Make a point of spending time with your family and friends in person, not just online.

From time to time, go through your list of friends and contacts and eliminate those who are no longer relevant to your life.

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Two hours a week in nature boosts well-being Staying healthy isn’t all about exercise and diet— as important as they are.

An article in Science News suggests that spending just two hours a week in nature is crucial to your well-being.

A study of 20,000 people, conducted by the University of Exeter, found that spending 120 minutes a week out in nature tends to lead to significantly better health and psychological well-being than not communing with nature for 2 hours in a typical week.

Your two hours don’t have to happen all at once, either.

The findings showed that the benefits accrued in both one single visit or several short periods. The benefits also were evident across the board regardless of gender, age, ethnicity, financial status, and disability.

The bottom line: Get outside

Meditate for Inspiration Meditation can boost your creativity, according to an article on the Chopra Center website.

You don’t need a mantra, just a quiet place where you can relax and let your mind roam without preconditions.

• Try guided meditations.

Although meditation is often practiced in silence, you can find guided meditations on the Chopra website. Meditation themes include healing, gratitude, and emotional release.

Here’s what to do: • Be playful. Don’t think too much or take your meditation too seriously. Focus your mind inward, not outward.

• Consider group meditation.

It can be useful to meditate in a group. The energy is different when you’re in a room full of people meditating together.

• Plant seeds in your mind.

If you’re trying to solve a problem, let it sit in your mind without obsessing over it. As your mind wanders, you may find a solution, but don’t try to force it.

• Be mindful. When you’re not meditating, pay attention to the world around you instead of taking the familiar for granted. You may find new connections that help you think more creatively.

New material recharges devices as you walk Soon you may be able to recharge your smartphone by taking a walk, the Science Daily website reports.

Scientists at the Chinese University of Hong Kong are developing an “energy harvester” that attaches to the knee, generating 1.6 microwatts of energy when the wearer walks at a normal pace, enough to power small devices like health monitors and GPS devices.

Scientists designed a special smart macrofiber material that generates energy from bending. The constant back-and-forth motion every time the knee flexes makes the device bend, creating electricity.

A prototype weighing just 0.68 pounds was tested on people walking at one to four miles per hour. Measurement of the wearers’ breathing patterns with and

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without the device showed that it worked without any extra effort on the part of the walker. The device could enable users to stop worrying about the daily charge.

A DIVISION OF PRIMARY RESIDENTIAL MORTGAGE INC

A HIGH POWERED MORTGAGE COMPANY

with a hometown feel

www.ElementFunding.com Primary Residential Mortgage, Inc., DBA Element Funding, NMLS #3094. PRMI is an Equal Housing Lender. Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. Florida Office of Financial Regulation MLD646. NMLS# 1161082