yr76d dhha3 87sa6 4e3ns 4ebi4 f3e36 niiid nnn2r bykty ei472 hz6k7 ytz4h rdt3n 2d5a4 fbkyz 8372y t8fkh d8432 ae5t7 ef99f 4fib4 3D Stereo Fractal-a-Day 2022-01-18 |

3D Stereo Fractal-a-Day 2022-01-18

2022.01.18 13:34 Rathinagiri 3D Stereo Fractal-a-Day 2022-01-18

3D Stereo Fractal-a-Day 2022-01-18 submitted by Rathinagiri to CrossView [link] [comments]

2022.01.18 13:34 trueworldnews Hartë e fiseve Shqiptare në veri të vendit. [/u/lololololxdddd]

submitted by trueworldnews to worldGlance [link] [comments]

2022.01.18 13:34 Ok-Perception-5412 Is Rocket the Top Purchase Lender?

UWM investors constantly talk about how UWM is far superior in purchase, how they are the largest purchase lender and how when rates rise it will show their superiority in the mortgage industry.
Question: So, are UWM investors right? Is Rocket really going to crash and burn in the purchase market?
Let's take a look and see....
For UWM, I will be referencing items out of their most recent Investor Presentation Deck from November 2021. Link is below so you can follow along:

  1. Page 6 states, "One of the largest mortgage lenders by volume in total origination, and believed to be the largest in purchase volume as of September 30, 2021."
  1. Page 10 is where the wheels fall off. So, to a normal investor you look at these graphs that UWM has posted and you immediately think WOW! UWM is crushing Rocket in purchase volume. Rocket must only do refinances as UWM investors have been claiming all along. UWM's graph shows them producing $74.9B in purchase volume and Rocket's graph is at at $44.9B. Simple math says that is $30B more than Rocket!
UWM puts out an Investor Deck showing their number for the last 12 months through Q3'21, but somehow when they decided to make the graph for Rocket they used their numbers based on Q2'21. They left out a full quarter of numbers for Rocket. Why does that matter? Q2 and Q3 are historically the best quarters for purchase volume. So, by leaving out Q3 volume from Rocket we have no clue. Rocket could have done $10B, $20B, $50B... we have no idea cause UWM left that out of their deck somehow.
Conclusion: While it is impossible to know for sure who is the largest purchase lender, we can clearly see UWM is being deceptive at the very least. They even say themselves, "believed to be" in their own deck. Also, leaving out the #1 mortgage orginators purchase volume during a purchase quarter is just a shady move. If you are going to present a graph like that compare apples to apples. Make UWM's chart through the same period of time, or give Rocket's Q3 numbers for purchase. So, at first glance it appears UWM is smashing Rocket in the purchase volume, but I think they left out those numbers on their graph strategically because Rocket gained big time on them OR passed them up.

Side Note: Rocket has been focused primarily on refinances because that is where the market has had the most fruit to harvest. Refinancing people during times of historically low interest rates was the right place to focus their time and energy as those customers on the books will never be able to refi elsewhere for a better rate. Now that rates are finally rising, we will see all the marketing, advertising and investments go into the purchase market. This is where the most fruit to harvest will be going forward. Again, I do not know if Rocket is the larget purchase lender at the moment based on shady tactics from UWM and their graphs, but I can assure you the switch has already flipped over for Rocket to focus their time and energy into purchase. We will be the largest purchase lender (if we aren't already).
submitted by Ok-Perception-5412 to TeamRKT [link] [comments]

2022.01.18 13:34 martacipi 30/GMT+1/PC Looking for coop gaming buddies

Hi there,
I really really like fun and chill coop games, but unfortunately my friends are not into gaming at all. So you see why I am in a pickle: it’s not easy to play coop games alone!
What I would love is to find a regular crew, a group of nice and chill people to play with while chitchatting and having a laugh. So not a one-game-thing, more like a group of friends playing together the game start to finish, sometimes playing it super seriously, sometimes just setting the kitchen on fire (*any reference to overcooked is purely coincidental*).
I just turned 30, I speak English, Italian and German. My time zone is GMT+1 (so basically I am in Europe) and I can play in the evenings. I am told I am a kind person, so I am also looking for nice and tolerant people.
Here are the games I love (and have on STEAM):
- Overcooked 2
- Diner Bros
- Tools up
- Catastronauts
- Stardew valley
- Cook, serve, delicious
- Worms (I am an utter disgrace at this game. I mainly just end up killing my worms by mistake at the end of every turn…)
I think you can see the pattern: basically any fun coop game you can play with your friends. Of course I am also open to other fun but even crappy games! I am just not “full game on” because I don’t have any gaming buddy yet!! Other games that made my childhood (or scarred me for life): Crash Bandicoot (all of them), Tomb Raider, Bugs Bunny Lost In Time.
Please feel free to contact me if you are also looking for buddies to coop with around Europe!
submitted by martacipi to GamerPals [link] [comments]

2022.01.18 13:34 Electrodizzer WATCH THIS VIDEO IF YOU HOLD BITCOIN!

WATCH THIS VIDEO IF YOU HOLD BITCOIN! submitted by Electrodizzer to kucoin [link] [comments]

2022.01.18 13:34 formotagamer When the parents are astanding side of me and I say this to dad

When the parents are astanding side of me and I say this to dad submitted by formotagamer to ForShubH [link] [comments]

2022.01.18 13:34 skeletonpandemonium Podcasts about advertising/marketing?

Just finished the Jeff Goodby and Rich Silverstein MasterClass, and loved it. I never realized, but I actually kind of think about a lot of things in a marketing/advertising way, and I want to learn more about it (without committing to school, right now haha). I understand this is maybe not the right place to post about it, but are there any podcasts about what they are talking about that I could check out?
submitted by skeletonpandemonium to MasterClass [link] [comments]

2022.01.18 13:34 no1willmarryou [REQUEST] Life: The Science of Biology (11th Ed.) By Sadava et al. Sinauer Associates.

Any and all leads greatly appreciated!
submitted by no1willmarryou to textbookrequest [link] [comments]

2022.01.18 13:34 trueworldnews The robotics revolution is here, and it’s changing Libya [/u/Mohammedzaid20]

submitted by trueworldnews to worldGlance [link] [comments]

2022.01.18 13:34 n1c0sax0 Feedback on my 6 months Leica M6 experience : no regrets at all

Feedback on my 6 months Leica M6 experience : no regrets at all submitted by n1c0sax0 to Leica [link] [comments]

2022.01.18 13:34 JohnnyKDub Spicy chicken hearts & liver, with mashed potato. Cucumber & dill salad on the side.

Spicy chicken hearts & liver, with mashed potato. Cucumber & dill salad on the side. submitted by JohnnyKDub to tonightsdinner [link] [comments]

2022.01.18 13:34 yungmoney5 Electrum chest Mars Guiding Hand ep 111

Code: 1111-1111-1111
submitted by yungmoney5 to idlechampions [link] [comments]

2022.01.18 13:34 Peacefuljustin Still Unable to Log Into Crypto.com App after Hack

After yesterday’s incidents with crypto.com I am unable to log into my account. Every time I try to verify myself I get an option where I need to put in my Phone number but it doesn’t recognize it.
I’ve been using Crypto.com for the past two years and this is the first time this is has happened. My wife is going through the same thing. Just wanted if anybody else is experiencing the same thing?
submitted by Peacefuljustin to Crypto_com [link] [comments]

2022.01.18 13:34 stinkerwren 💥 🐶Atom Floki | Just Launched | 💎 DEVS KYC with GemFinder| ✅ Major Marketing Incoming | x1000 Gem 🚀| Join the most ATOM community 💥

⚡️Welcome to the Atom Crypto World where you can earn $FLOKI just by holding the ATOM FLOKI. The Atom Legacy doesn’t end here as it is only the beginning; ATOM PROJECT will launch Atom Wallet, Atom-Swap, Atom Exchange and Atom Cryptos Debit Card for instant Fiat and Cryptocurrency swaps
🚀 Telegram : https://t.me/AtomFloki
💥 Contract : 0xa7c4a5dc619e16e05b8f0d5d30c8e5dc6a3a0f3c
🌐 Buy here : https://pancakeswap.finance/swap?outputCurrency=0xa7c4a5dc619e16e05b8f0d5d30c8e5dc6a3a0f3c
🔒 Liquidity Locked : https://mudra.website/?certificate=yes&type=0&lp=0x0ed7a7113d4ba13ce5ded6d1601faaf1aff72a68
Total Supply: 100,000,000,000
💵 0% tax buy - 12% tax sell
🐶5% Floki Rewards
📰 2.5 % to Marketing
🔥 3% to Liquidity
👥 1.5% to Team
👑 Hold , earn FLOKI
Atom Floki Ecosystem
The token is going to be the first step of building a community and creating a bond between all other members as the future Atom Projects needs the community that can vouch for the team. Holders will be rewarded with Floki with each transaction as it would be a delightful way of expressing gratitude for your support.
The Atom Floki token itself is just the part of the project, but the team will be building an ecosystem of blockchain around this token and utilize every possible way to make it better than other projects i.e. Atom Swap, Atom Wallet, Atom Exchange and Atom Debit card.
Atom Swap
Though the most important step is to launch the token successfully, the team will also be keeping up the pace to follow the roadmap and launch the Atom Swap for the community.
Atom Wallet
The team will be launching a state of the art wallet for its holders and the community will benefit more than any other person out there.
Atom Exchange
As we believe, radioactively lethal to outperform all competitor projects, the Atom Team will launch Atom Exchange where the community will be able to swap or exchange all known cryptocurrency.
Atom Debit Card
What’s better than owning a debit card in which you can keep your crypto and fiat currency safe and use it instantly like any other debit card? We are Atom, and we believe in the future!
submitted by stinkerwren to CryptoGemDiscovery [link] [comments]

2022.01.18 13:34 develasco22 Jamaican bobsled teams qualify for 2022 Olympics

Jamaican bobsled teams qualify for 2022 Olympics submitted by develasco22 to NowInSports [link] [comments]

2022.01.18 13:34 Noble_Dragon2210 Been playing for half a year and I still don’t have ningguang, will I be able to get her skin without owning her?

submitted by Noble_Dragon2210 to GenshinImpactTips [link] [comments]

2022.01.18 13:34 CulturalWindow The Breakfast Podcast

The Breakfast Podcast submitted by CulturalWindow to KarmaFarming4Pros [link] [comments]

2022.01.18 13:34 Eastonsilly Finally got my display case for my strange coin!

Finally got my display case for my strange coin! submitted by Eastonsilly to destiny2 [link] [comments]

2022.01.18 13:34 UrGfJes Hi

Hi submitted by UrGfJes to DemEyesDoe [link] [comments]

2022.01.18 13:34 sweetbabyvdore The good boy out in the show again ⛄️

The good boy out in the show again ⛄️ submitted by sweetbabyvdore to Labs [link] [comments]

2022.01.18 13:34 bbbb American Express Increases 35% Business Platinum Rebate Cap (To 1,000,000 From 500,000)

American Express Increases 35% Business Platinum Rebate Cap (To 1,000,000 From 500,000) submitted by bbbb to AmexPlatinum [link] [comments]

2022.01.18 13:34 crytoloover Get FREE 🔥 25 Million Meta floki shiba token | Trust Wallet Airdrop | metaverse coin airdrop

submitted by crytoloover to coinmarketbag [link] [comments]

2022.01.18 13:34 thetrickster118 Yeah well, f*ck you then!

Yeah well, f*ck you then! submitted by thetrickster118 to reddeadredemption [link] [comments]

2022.01.18 13:34 gordjangus 1.2 dbi vs 5.8 dbi

Seems to me this dude is outperforming all hotspots in my region with 1.2dbi antennas on a majority of his hotspots. Is there a protocol I'm missing here or is labeling your hotspot in the app a 1.2 dbi antenna mess with the algorithms of how much power is allotted?? I'm interested in changing mine to this to see what happens tbh... I'm running 5.8s on both of mine with roof setups at least 10m up, yet this guy has 1.2dbi on ground level just killing it with bobcats.. am I just HNTing wrong or??
Here's dudes hotspots just look yourself
submitted by gordjangus to HeliumNetwork [link] [comments]

2022.01.18 13:34 OliPark For those getting this on xbox gamepass..

Is your pre download available yet. A mate of mine has his available but mine isn't showing.
submitted by OliPark to R6Extraction [link] [comments]