Check out the new Fall Issue!

the ELEMENT 2019 QUARTERLY EDITION in Mortgage Lending

Origins of HALLOWEEN

HEALTH in the NEWS Blueberries to help your heart

INSIDE THIS ISSUE: EXCELLENCE AWARD

MEDITATE for INSPIRATION

THE LITTLE PUPPY

1 | www.elementfunding.com Spotlight Nichole Manor Loan Officer

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

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 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.

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.

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!!!

Melanie Whobrey: She’s amazing!

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!

Candy Corn Punch

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

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

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. Directions Ingredients

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.