![]() There is absolutely a place for regulations in the mortgage space. We still have pent-up demand (i.e., Millennials and people rebounding from the recession), and if you can create an economic environment with healthy job growth and credit availability, then the homeownership growth will greatly increase.Īlso, something we have not touched on: regulations have gone way up in a post-downturn world, and it has increased the cost of buying a home. So I think we’ll see the government playing a much less active role and letting the market take care of itself. But, I think it’s been enough time and things have changed enough to where now the market may be ready for a bigger private role. There were many years after the Great Recession where people asked how the government ever let private industry play such a big role in housing. And Pence is much more of a classic, small government conservative. However, if you look at the recent cabinet picks, in many ways they’re more a reflection of Pence than Trump, in my opinion. TR: The TV is filled with ideas about what people will think, but the more we learn, the more we realize it’s all in the mind of one man right now. I do think, though, that consumers do really trust their Realtors, so they’re positioned really well to help clients better understand the realities of mortgage lending.ĬA: Finally, given what you know as a professional and of the President-elect, what do you expect the housing market to look like under President Trump? So yes, traditionally buyers will go to a Realtor first, but that is not a given, and so I see financial education as a shared responsibility. TR: I think the responsibility falls to everyone in the industry, because a consumer could go to anyone in the industry first. The second thing is we are not putting the same kind of investment into financial education as we are into, say, marketing a TV.ĬA: Does the responsibility then fall on agents to prep buyers for the challenges of the lending process? So fundamentally, the survey results are a commentary on human nature. It’s because they are exciting about what they are getting, not necessarily how they are getting it. Consumers spend more time studying for a vacation or a TV than they do studying a mortgage. People do not grow up wanting a mortgage they grow up wanting a home. ![]() The first is that if people want to own a home, they do not want a mortgage. I think the Trump presidency is going to add another layer of complexity to it, because he plans to do things a little differently and the “experts” will not know which way is up. TR: I’m not sure that it’s so much that people have lost confidence, but more there is a lack of confidence. Where has the failure come in that so few people are confident in their understanding of the market, and where do things need to change in order to change that perception? In the second a final portion, Rhodes touches on Sente Mortgages recent consumer survey and the role agents should play in financial education.ĬA: In Sente mortgage’s recent survey, respondents expressed considerable fear and ignorance towards the mortgage process. In the first part of our conversation with the long-time lender, we discussed what housing will look like under a Trump Administration. Tom Rhodes is the CEO of Austin-based lender Sente Mortgage, and a past president of the Texas Mortgage Bankers Association.
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Comparison of the Best Password Managers for Chrome.Numbers 6-10 of 2023’s top Chrome password managers. ![]() Keeper - High security with tons of extras (but basic Chrome extension). NordPass - Streamlined Interface with advanced encryption. 3.□ RoboForm - Advanced form filling and bookmark sync.2.□ Dashlane - Excellent security, good Chrome integration + VPN.1.□ 1Password - Best overall password manager for Chrome in 2023.Quick summary of the best password managers for Chrome: That said, you can’t go wrong with any of the products on my list, so read on to find out which one is right for you. My top pick, 1Password, even has a Travel Mode to hide your vaults when you’re crossing borders and virtual payment cards to increase your security when you shop online. They come with features like multi-OS sync, reliable auto-fill, password sharing options, emergency access, family controls, cloud storage, and much more. 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There are also 6 additional Output tools you can use to enhance your photos: Delay before Capture, Include Mouse Pointer, Copy to Clipboard, Auto Caption, and Watermark. This can be done by checking the Preview in Editor tick box. You can also instruct FastStone to send a preview of your image before saving. You will see 10 destinations wherein you can save your captured image, namely: Editor, Clipboard, File, File with Auto Save, Printer, Email, Microsoft Word, Microsoft Excel, Microsoft PowerPoint, and Web with FTP Server. You will find these in the Output dropdown menu. Each capture function has its own hotkey while the tray icon offers functions in a pop-up menu.īefore enabling a screen cap, it is important to set the desired destination. While these are easily accessible in the control panel, you can opt to take a screen grab by pressing a hotkey or right clicking on the FastStone tray icon. The Screen Capture tools are the different capture functions, namely: Active Window, Window or Object, Rectangular Region, Freehand Region, Full Screen, Scrolling Window, and Fixed Region. This panel is divided into three types of tools: Screen Capture, Screen Recorder, and Output. The final product can be saved as a BMP, GIF, JPEG, PCX, PNG, TGA, TIFF, PDF and WMV file formats Creating a screen capįastStone opens with a small Capture Panel. You will find an array of editing tools such as draw, trim, resize, and tint. Once you have your image or video ready, FastStone opens your work in its built-in editor. It can also be used to record while you’re scrolling through a page or running a program. With it, you can take a photo of your full screen or active windows in various shapes and sizes.
![]() ![]() Jesus answered him, “Truly I tell you, today you will be with me in paradise.” Alternatively,.Depending on where the translation places the comma, you have a completely different outcome. One verse captures the seriousness of the modern translator, making the choice of punctuation, i.e., Luke 23:43. Punctuation marks started to be introduced by copyists and translators in accordance with their interpretation of context and their understanding of Bible doctrine. Generally, they select one for the translation, the other will be placed in a footnote as “or.” The Punctuation in Translationįor centuries, there was no punctuation in the earliest Greek manuscripts of the Bible. ![]() Here, “ epiousion” is defined in the lexicon as either “daily” bread or “bread for tomorrow.” The policy of almost all modern translations is to use both words if a given Hebrew or Greek word can be taken in two different ways. Matthew 6:11 Updated American Standard Version (UASV)ġ1Give us this day our daily bread, We can look at one example though from Jesus’ model prayer. The Greek New Testament does not face the same challenges, as there are a mere handful of words that does not appear outside of the New Testament literature. Radovan/ġ Samuel 13:21 Updated American Standard Version (UASV)Ģ1The charge was a pim for the plowshares and for the mattocks, for the three-pronged fork, for the axes, and for fixing the oxgoad. The translation, like the above King James Version, struggled in their translation of the word “pim.” Today, translators know that the pim was a weight measure of about 7.82 grams, or as the English Standard Version has it, “two-thirds of a shekel,” a common Hebrew unit of weight that the Philistines charged for sharpening the Israelites plowshares and mattocks. What was a pim? It would not be uncovered until 1907 when archaeology discovered the first pim weight stone at the ancient city of Gezer. Let us look at an example.Ģ1 Yet they had a file for the mattocks, and for the coulters, and for the forks, and for the axes, and to sharpen the goads. The Hebrew Old Testament has hundreds of words that have not been found outside of the Old Testament itself. Once it has been determined what the original language word is, its meaning must be established. Another basic reason that even literal translation will differ in minute ways is because of textual, literary, and grammatical problems that translators must make choices over.Īfter the translation committee has established, which critical text they are going to work from, they must still work the evidence of each word that has significant variants. Another reason is that other methods of translating have come on the scene in the 1950s, which has caused a plethora of new translations: the easy-to-read dynamic equivalents and paraphrases. We no longer speak the way of the King James Version or the American Standard Version. The primary reason is that the English language changes over time. The question that begs to be asked is, ‘why the need for so many English translations?’ There are several reasons, but as is true with many things in life, it can be taken to the extreme. If we are one of the fortunate ones who have a choice, we certainly want to choose the Bible that is literal, accurate, clear, natural, and easy to understand. In fact, the Bible has even been translated into Klingon, the made-up language of the television show Star Trek. (Wycliffe Translators) The English-speaking world has over 100 different translations, while others have just one. As of 2010, there are 6,900 languages spoken in the world today, with 2,100 still needing the Bible translated into their language. Those who wish to read the Bible likely only have access to translations, as it was originally written in ancient Hebrew, some Aramaic, and Greek. Our modern English translations begin with the 1901 American Standard Version. William Tyndale (1494–1536) produced the first printed edition of the New Testament from the original languages of Hebrew and Greek. ![]() Of course, this was a handwritten edition and produced from the Latin Vulgate and not the original language of Hebrew and Greek. He is credited with producing the first complete English Bible. John Wycliffe (1330?-84) was a Catholic priest and renowned Oxford theologian. Understanding how the Bible came down to us, how Bible translations are made, the different translation philosophies, and the textual issues that exist are essential for all serious students of the Bible. This is a brief introduction to Bible translation basics, with other articles readdressing some areas in greater detail. Andrews is the Chief Translator of the Updated American Standard Version (UASV). ANDREWS (AS in Criminal Justice, BS in Religion, MA in Biblical Studies, and MDiv in Theology) is CEO and President of Christian Publishing House. |
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